Loading…
Financial Regulatory Improvement Act of 2015
Legislative Progress
Momentum (last 30 days)
0
score
0 actions · 0 new cosponsors · 0 votes
Speed vs cohort
83pct
51d open
vs 3,548 other S bills in the 114th — cohort avg 43d
(This measure has not been amended since it was introduced. The summary has been expanded because action occurred on the measure.) Financial Regulatory Improvement Act of 2015 TITLE I--REGULATORY RELIEF AND PROTECTION OF CONSUMER ACCESS TO CREDIT (Sec. 101) This bill amends the Gramm-Leach-Bliley Act to exempt from the requirement to provide consumers with an annual written disclosure of their privacy policy certain financial institutions that provide nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution. (Sec. 102) The Federal Home Loan Bank Act is amended to set requirements for a credit union that has applied for membership in a Federal Home Loan Bank, but whose member accounts are not federally insured, to be treated nonetheless as an insured depository institution. (Sec. 103) The Consumer Financial Protection Bureau (CFPB) shall establish a process under which a person who lives or does business in an area not CFPB-designated as rural may apply to the CFPB for a rural area designation. Evaluation criteria which the CFPB must consider are set forth. (Sec. 104) The Federal Financial Institutions Examination Council Act of 1978 is amended to establish in the Financial Institutions Examination Council an Office of Independent Examination Review to investigate complaints concerning examinations, examination practices, or examination reports, as well as to conduct a continuing and regular program of examination quality assurance for all types of examinations conducted, by the federal financial institutions regulatory agencies. The Riegle Community Development and Regulatory Improvement Act of 1994 is amended to require the CFPB to establish an independent intra-agency appellate process to ensure that safeguards exist to protect the insured depository institution or insured credit union from retaliation by a federal banking agency for exercising its rights. The principle of retaliation is expanded to include delaying consideration of, or withholding approval of, any request, notice, or application that would have been approved but for the exercise of its rights by the insured depository institution or credit union. (Sec. 106) The Truth in Lending Act (TILA) is amended to exempt certain creditors from civil liability, except in particular circumstances, for failure to comply with specified prohibitions with respect to a residential mortgage loan if among other things: the creditor (or any person acquiring the loan) has continued to hold the loan on its balance sheet since loan origination; the loan has not been acquired through a securitization; all prepayment penalties with respect to the loan comply with the limitations; the loan does not have negative amortization, interest-only features, or a loan term of over 30 years; and the creditor has documented the consumer's income, employment, assets, and credit history. The Federal Deposit Insurance Act (FDIA) is amended to require periodic federal banking agency reviews of either the mortgage portfolio or targeted segments of bank portfolios belonging to banks deemed systemically important if certain conditions arise including: (1) elevated risk, (2) increased delinquency and loss rates, (3) new lines of business emerge, (4) new acquisition channels, (5) rapid growth, or (6) an internal audit is inadequate. (Sec. 107) The Government Accountability Office (GAO) shall study the effects of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) upon the availability and affordability of credit for consumers, small businesses, first-time homebuyers, and mortgage lending. (Sec. 108) The TILA is further amended to exclude from the definition of mortgage originator subject to TILA requirements and prohibitions any retailer of manufactured or modular homes or its employees, unless one or the other of them receives compensation or gain for engaging in specified activities related to mortgage loan origination that exceeds compensation or gain received in a comparable cash transaction. The criteria for a high-cost mortgage loan secured by a dwelling that is personal property, when the transaction is for less than $50,000, are revised to: (1) increase the percentage points involved from 8.5% to 10% and the maximum amount of the qualifying transaction to $75,000 (adjusted for inflation), and (2) include as an alternative any transaction that does not include the purchase of real property on which a dwelling is to be placed. The total points and fees payable for such a transaction must exceed the greater of 5% of the total transaction amount or $3,000 (adjusted for inflation) to qualify the mortgage loan as high-cost. (Sec. 109) The FDIA is further amended with respect to mandatory on-site examinations to increase from $500 million to $1 billion the maximum asset size of small insured depository institutions eligible for 18-month onsite examinations. (Sec. 110) The bill amends specified Acts to link to changes in the gross domestic product: (1) the size of insured depository institutions and insured credit unions subject to specified regulatory oversight (including the examination and reporting threshold required by the Consumer Financial Protection Act of 2010 [CFPA]), and (2) the size of small banks, savings associations, farm credit system institutions, and credit unions that may be exempt from swap or securities-based swap clearing requirements under the Commodity Exchange Act (CEA) and the Securities Exchange Act. (Sec. 111) The Home Mortgage Disclosure Act of 1975 is amended to direct GAO to study the privacy risks of government publication of personal financial data. (Sec. 112) The TILA is amended to: (1) shield from civil liability a disclosure made in good faith pursuant to mandatory reporting of unethical or unprofessional conduct concerning consumer real estate appraisals, and (2) declare civil penalties inapplicable to violations of appraisal independence requirements. (Sec. 113) Mutual holding companies and grandfathered mutual holding companies may waive the receipt of dividends declared on the common stock of their bank or mid-size holding companies. (Sec. 114) Any appraiser, employed to appraise a consumer's principal dwelling that will secure a consumer credit transaction but who voluntarily declines to receive a fee, shall not be treated as a fee appraiser with respect to appraisal independence requirements. (Sec. 115) The Bank Holding Company Act of 1956 is amended to exclude from its prohibitions against proprietary trading and certain relationships with hedge funds and private equity funds any banking institution whose total consolidated assets amount to $10 billion or less if it is not controlled by a company whose total consolidated assets exceed $10 billion (adjusted for changes in the gross domestic product). The appropriate federal banking agency for an insured depository institution with total consolidated assets of $10 billion or less may apply such prohibitions and restrictions to the activities of the insured depository institution that, but for this amendment, would be subject to them if those activities: (1) are inconsistent with traditional banking activities, or (2) because of their nature or volume pose a risk to the safety and soundness of the insured depository institution. (Sec. 116) The federal banking agencies shall jointly study the appropriate capital requirements for mortgage servicing assets for banking institutions. (Sec. 117) The TILA is amended to allow a transaction to be consummated without regard to a certain three-day waiting period if a creditor extends to the consumer a second offer of credit with a lower annual percentage rate. The CFPA is amended to shield from civil, criminal, or administrative action for failure to comply with certain mandatory disclosures relating to a consumer financial product or service any covered person that makes other specified disclosures under the TILA or the Real Estate Settlement Procedures Act of 1974 during a specified period before model disclosures are prescribed by the CFPB. (Sec. 118) The S.A.F.E. Mortgage Licensing Act of 2008 is amended to deem registered loan originators moving from a financial institution to a non-bank originator, or moving interstate, to be state-licensed for the 120-day period after a state-licensed mortgage lender, mortgage banker, or mortgage servicer that is not a depository institution registers with the Nationwide Mortgage Licensing System and Registry that the registered loan originator is employed by it. (Sec. 119) The FDIA is further amended to direct federal banking agencies to review reports of condition and jointly develop short form reports-of-condition that reduce or eliminate information or schedules currently required to be filed by an insured depository institution. (Sec. 120) The Expedited Funds Availability Act is amended to: (1) define a receiving depository institution as the proprietary automated teller machine (ATM) located in the United States in which a check is first deposited, and (2) extend coverage of the Act to American Samoa and the Commonwealth of the Northern Mariana Islands. (Sec. 121) Amends the CFPA to apply the Federal Advisory Committee Act to every CFPB advisory committee and subcommittee. (Sec. 122) The Federal Credit Union Act is amended to require the National Credit Union Administration (NCUA) Board to: (1) print in the Federal Register a draft of its detailed business-type budget before submitting it, and (2) hold a public hearing for public comments on the draft. (Sec. 123) Amends the Financial Stability Act of 2010 with respect to the exemption of the debt or equity instruments of certain small insured depository institution holding companies from mandatory capital deductions in the calculation of minimum leverage and risk-based capital requirements for insured depository institutions. Adds March 31, 2010, as an alternative to December 31, 2009, as the target date for determining consolidated assets of less than $15 billion for a depository institution holding company whose debt or equity instruments are exempt from mandatory capital deductions. (Sec. 124) The Federal Housing Finance Agency (FHFA) must withdraw its proposed rule entitled "Members of Federal Home Loan Banks" (September 12, 2014). The GAO shall report to certain congressional committees on the impact of the rule upon the Federal Home Loan Bank System and financial intermediaries. (Sec. 125) The Economic Growth and Regulatory Paperwork Reduction Act of 1996 is amended to name the federal regulatory entities that must review, together with the Financial Institutions Examination Council, all Council-prescribed regulations, including regulations under Dodd-Frank, in order to identify unnecessary regulatory requirements governing insured depository institutions. (Sec. 126) The following agencies shall neither implement nor participate in the Operation Choke Point initiative of the Department of Justice: the FDIC, the Office of the Comptroller of the Currency, the Federal Reserve Board, the CFPB, and the NCUA. TITLE II--SYSTEMICALLY IMPORTANT BANK HOLDING COMPANIES (Sec. 201) The Financial Stability Act of 2010 is amended to authorize the Financial Stability Oversight Council (FSOC), following prescribed procedures, to determine to be systemically important any bank holding company whose assets range between $50 billion and $500 billion (adjusted annually for inflation). Bank holding companies whose total consolidated assets exceed $500 billion (adjusted annually for inflation) shall be automatically deemed systemically important. ("Systemically important" and "systemic importance" refer to a situation where the failure of or a disruption to the functioning of a financial market utility or the conduct of a payment, clearing, or settlement activity could create, or increase, the risk of significant liquidity or credit problems spreading among financial institutions or markets and thereby threaten the stability of the U.S. financial system.) (Sec. 204) It is the sense of Congress that the federal banking agencies, using their existing authorities, should seek to tailor prudential regulations and differentiate among Federal Reserve Board-supervised bank holding companies and nonbank financial companies based upon capital structure, riskiness, complexity, financial activities, and size. TITLE III--GREATER TRANSPARENCY FOR THE FINANCIAL STABILITY OVERSIGHT COUNCIL PROCESS FOR NONBANK FINANCIAL COMPANIES (Sec. 301) The Financial Stability Act is further amended to allow any member of the governing body of a member agency headed by an FSOC member to attend FSOC meetings and have access to the same information and materials to which the FSOC member is entitled. (Sec. 302) The FSOC, when determining the need for the Federal Reserve Board to supervise a domestic or foreign nonbank financial company that could pose a threat to U.S. financial stability, shall consider, among other factors, the degree to which the company is already regulated by its primary financial regulatory agency (as under current law), including the appropriateness of imposing prudential standards in addition to or as opposed to other forms of regulation. The FSOC shall also reevaluate annually, through a specified process, each such determination with respect to a Board-supervised nonbank financial company and grant the company opportunity to contest the FSOC determination. TITLE IV--IMPROVED ACCOUNTABILITY AND TRANSPARENCY IN THE REGULATION OF INSURANCE (Sec. 401) It is the sense of Congress that the McCarran-Ferguson Act remains the preferred approach to regulating the business of insurance. (Sec. 402) The FDIA is amended to exempt from the requirement that it provide funds or other assets to a subsidiary depository institution any savings and loan holding company that is an insurance company, affiliate of an insured depository institution that is an insurance company, and any other company that is an insurance company and directly or indirectly controls an insured depository institution. The FDIC, during the orderly liquidation of a financial company (or subsidiary) that is an insurance company, must: notify state insurance authorities when taking a priority lien for payment of funds made available to that company or subsidiary; and take the lien only if it will not unduly impede or delay the liquidation or rehabilitation of the insurance company, or the recovery by its policyholders. (Sec. 403) It is the sense of Congress that: the Secretary of the Treasury, the Federal Reserve Board, and the Director of the Federal Insurance Office (officials) should support increasing transparency at any global insurance or international standard-setting regulatory or supervisory forum in which they participate, including advocating for greater public observer access at any such forum; and these officials should achieve consensus positions with state insurance regulators whenever they represent the United States in negotiations on insurance issues at an international forum of financial regulators considering insurance regulations. There is established within the Federal Reserve Board an Insurance Policy Advisory Committee on International Capital Standards and Other Insurance Issues. These officials must study the impact upon U.S. consumers and markets before supporting or consenting to adoption of any key elements in any international insurance proposal or international insurance capital standard. TITLE V--IMPROVING THE FEDERAL RESERVE SYSTEM (Sec. 501) The Federal Reserve Act is amended to direct the Federal Open Market Committee (FOMC) to explain quarterly to certain congressional committees the basis for its policy decisions. (Sec. 502) The Federal Reserve Board must, on a nondelegable basis, vote on whether to issue any civil money penalty assessment order or settle any other enforcement action that would involve payment of at least $1 million in compensation, penalties, fines, or other payments. Each Board member is limited to a maximum four-person staff selected by the member, and whose salaries are also set by the member. (Sec. 503) The FOMC must publish the transcript of any meeting within three years. (Sec. 505) There is established an independent Federal Reserve System Restructuring Commission to study the appropriateness of restructuring the Federal Reserve districts, analyzing potential benefits and costs. (Sec. 506) The GAO shall study the effectiveness of supervision by the Federal Reserve Board and each Federal Reserve bank of bank holding companies and nonbank financial companies subject to specified requirements of the Financial Stability Act of 2010. (Sec. 507) The Federal Reserve Board must report biennially to certain congressional committees on its plans to supervise and regulate nonbank financial companies subject to specified determinations under the Financial Stability Act of 2010. (Sec. 508) The first vice president of the Federal Reserve Bank of New York shall be appointed by the Class B and Class C directors of the Bank, with the approval of the Federal Reserve Board, for a five-year term. The president of the Federal Reserve Bank of New York shall be appointed by the President, by and with the advice and consent of the Senate, also for a five-year term. TITLE VI--IMPROVED ACCESS TO CAPITAL AND TAILORED REGULATION IN THE FINANCIAL MARKETS (Sec. 601) The Securities Exchange Act of 1934 (SEA) is amended to subject to securities registration requirements any savings and loan holding company whose total assets exceed $10,000,000 and that has a class of equity security (other than an exempted security) held of record by 2,000 or more persons. (Sec. 602) The Securities and Exchange Commission (SEC) shall increase from $5 million to $10 million the aggregate sales price or securities threshold sold during any consecutive 12-month period in excess of which the issuer must make additional disclosures to investors regarding compensatory benefit plans. (Sec. 603) The CEA and the SEA are amended to repeal the requirement that derivatives clearing organizations, swap data repositories, and security-based swap data repositories indemnify the Commodity Futures Trading Commission or the SEC, as appropriate, for any expenses arising from litigation relating to disclosed information. (Sec. 604) The Securities Act of 1933 is amended to require continued treatment as an emerging growth company, for a certain period, of any company previously registered as an emerging growth company that has since ceased to qualify as one. TITLE VII--TAXPAYER PROTECTIONS AND MARKET ACCESS FOR MORTGAGE FINANCE (Sec. 702) For purposes of determining budgetary impacts to evaluate points of order under the Congressional Budget Act of 1974, a legislative vehicle that would either increase or extend the increase of guarantee fees for the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), and any of their affiliates (enterprises) may not be scored with respect to the level of budget authority, outlays, or revenues. Legislation may be scored, however, if it: (1) includes a specific instruction regarding the disposition of senior preferred stock acquired pursuant to the Senior Preferred Stock Purchase Agreement; and (2) provides for an increase, or extension of an increase, of any enterprise guarantee fee in order to finance reforms to the secondary mortgage market. (The Senior Preferred Stock Purchase Agreement is: the Amended and Restated Senior Preferred Stock Purchase Agreement, dated September 26, 2008, as amended on several specified later dates, and as it may be further amended and restated, entered into between the Department of the Treasury and each enterprise; and any provision of any certificate in connection with the Agreement creating or designating the terms, powers, preferences, privileges, limitations, or any other conditions of the Variable Liquidation Preference Senior Preferred Stock of an enterprise issued or sold pursuant to the Agreement.) (Sec. 703) Treasury may not dispose of outstanding shares of senior preferred stock acquired pursuant to the Senior Preferred Stock Purchase Agreement unless legislation has been enacted specifically instructing Treasury regarding such a disposition. (Sec. 704) The FHFA shall direct the enterprises and Common Securitization Solutions, LLC, (CSS) (the joint venture the enterprises have formed) to establish the Secondary Market Advisory Committee (SMAC) to advise the enterprises and CSS on decisions pertaining to the development of secondary mortgage market infrastructure. The SMAC must include private market participants that represent multiple aspects of the mortgage market, including mortgage lenders and poolers of mortgage-backed securities. (Sec. 705) It is the sense of Congress that: the capacity and functionality of the securitization Platform described in the FHFA paper "Building a New Infrastructure for the Secondary Mortgage Market," which is currently geared toward enterprise issuance of mortgage-backed securities, should be expanded to facilitate the issuance of such securities by issuers other than the enterprises; CSS should develop the contractual and disclosure framework for issuers other than the enterprises; and specified enterprise property constitutes valuable assets for which the enterprises should receive appropriate compensation upon their transfer. The FHFA must present to Congress a plan to transition the Platform and the contractual and disclosure framework from a joint venture owned by the enterprises into a private, nonprofit entity that best facilitates a deep, liquid, and resilient secondary mortgage market for mortgage-backed securities. The FHFA must direct the enterprises and CSS to re-constitute a CSS Board of Directors that meets certain composition requirements. CSS is prohibited from undertaking certain activities, including: (1) guaranteeing mortgage loans or mortgage-backed securities, (2) assuming or holding mortgage loan credit risk, and (3) owning or holding mortgage loans or mortgage-backed securities for investment purposes. The FHFA shall have general regulatory authority over CSS and any subsequent private successor. The FHFA must transfer from the enterprises to CSS any funds necessary to implement Platform activities and operations. (Sec. 706) The Federal Housing Enterprises Financial Safety and Soundness Act of 1992 is amended to require: each enterprise to develop and engage in significant and increasing risk-sharing transactions, including front-end risk sharing and risk-sharing transactions in which the first loss position is transferred, considering market conditions and the safety and soundness of the enterprise; and the FHFA to report annually to Congress a 5-year plan describing steps it intends to take to broaden the eligible investor base for credit risk-sharing programs. TITLE VIII--DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT TECHNICAL CORRECTIONS (Sec. 801) Technical and conforming amendments are made to specified Acts cited in Dodd-Frank, including: (1) the Financial Stability Act of 2010, (2) the Enhancing Financial Institution Safety and Soundness Act of 2010, and (3) the Private Fund Investment Advisers Registration Act of 2010. (Sec. 816) Extended for one year are rulemaking deadlines prescribed in Dodd-Frank which have either not been met, or have not been met in final form.
These links require the bill number to appear in the filing's source-reported specific issue text. Client expenses and lobbying-firm income are separate disclosure fields.
Committee on Banking, Housing, and Urban Affairs. Hearings held.
Committee on Banking, Housing, and Urban Affairs. Hearings held.
Committee on Banking, Housing, and Urban Affairs. Hearings held. Hearings printed: S.Hrg. 114-103.
Placed on Senate Legislative Calendar under General Orders. Calendar No. 103.
Committee on Banking, Housing, and Urban Affairs. Original measure reported to Senate by Senator Shelby. Without written report.
Introduced in Senate
Bills with similar content found using semantic analysis.
Sources: Congress.gov
2019 · first_quarter · Housing
H.R. 5983 Financial CHOICE Act of 2016 S. 1484 Financial Regulatory Improvement Act of 2015 - Fannie Mae & Freddie Mac credit risk retention H.R. 3556 - The Taxpayer Protections & Market Access for Mortgage Finance Act - legislation requiring the GSEs to increase credit risk transfers (CRT) with the private sector. H.R. 1 of 2017 - The Tax Cuts and Jobs Act - and The Tax Extenders - to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages. Issue: Housing Finance Reform - to have private capital's role, specifically Mortgage Insurance, be an expanded and integral part of any reform. Issue: Housing Finance Reform proposals and previous legislative work on the Senate side including Corker Warner and Johnson Crapo Housing Reform proposals from previous Congresses. Proposal from December 2018 from Chairman Jeb Hensarling and Congressman Delaney. Chairman Mike Crapo's outline on Housing Finance Reform. Administrative Reforms being discussed in the Treasury Department and the Trump Administration.
Client expense: $653,708 · Firm income: Not reported
Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), SENATE, Treasury, Dept of, Vice President of the U.S.
2019 · first_quarter · Banking
S. 708 Regulatory Improvement Act (Establishes in the legislative branch the Regulatory Improvement Commission.) S.774 Financial Institutions Examination Fairness and Reform Act (Amends the Federal Financial Institutions Examination Council Act of 1978 to require a federal financial institutions regulatory agency to make a final examination report to a financial institution within 60 days of the later of: (1) the exit interview for an examination of the institution, or (2) the provision of additional information by the institution relating to the examination.) S. 1484 Financial Regulatory Improvement Act of 2015 (This bill amends the Gramm-Leach-Bliley Act to exempt from the requirement to provide consumers with an annual written disclosure of their privacy policy certain financial institutions that provide nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution.) S.1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 (Bill amends the Truth in Lending Act, Gramm0Leach Bliley Act, FDI Act, FHLB Act, and the Securities Exchange Act)S.1607 the Independent Agency Regulatory Analysis Act of 2015 (A bill to affirm the authority of the President to require independent regulatory agencies to comply with regulatory analysis requirements applicable to executive agencies, and for other purposes.)S. 1647 Developing a Reliable and Innovative Vision for the Economy Act (To amend title 23, United States Code, to authorize funds for Federal-aid highways and highway safety construction programs, and for other purposes.) S. 1773 Consumer Reporting Fairness Act of 2015 (To amend title 11, United States Code, to require creditors to inform consumer reporting agencies that certain debts discharged in bankruptcy cases.)S. 1818 Principled Rulemaking Act (This bill revises the federal agency rulemaking process to require a agencies to promulgate only rules (defined to exclude agency actions involving a military or foreign affairs function of the United States or a matter relating to agency management or personnel or to public property, loans, grants, benefits, or contracts) that are required by law, necessary to interpret a law, or made necessary by public need, to protect or improve the health and safety of the public, the environment, or the wellbeing of the people of the United States.)S. 1820 Early Participation in Regulations Act (he bill directs an agency, not later than 90 days before publishing a notice of proposed rule making for a major rule in the Federal Register, to publish advance notice of proposed rule making S. 1817 Smarter Regulations Through Advance Planning and Review Act ( This bill requires a federal agency, when publishing a proposed major rule and when publishing a final major rule, to include a framework for assessing the rule)S. 1958 Christopher Bryski Student Loan Protection Act (To establish additional protections and disclosures for students and co-signers with respect to student loans) S. 2038 Jumpstart GSE reform Act (prohibits the use of an increase in the guarantee fee required to be charged by the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), or any affiliate of such organizations (enterprises) to offset increase in outlays or a reduction in revenues for purposes other than those related to enterprises' business functions) S. 2663 Reforming CFPB Indirect Auto Financing Guidance Act (This bill declares without force or effect Consumer Financial Protection Bureau (CFPB) Bulletin 2013-02 (Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act), published March 21, 2013.) S.J. Res. 19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of rule submitted by Bureau of Consumer Financial Protection on prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) S. 552: Justice for Victims of Fraud Act (This bill amends the Truth in Lending Act and the Electronic Fund Transfer Act to prohibit predispute arbitration agreements with consumers (i.e., agreements to arbitrate any future disputes between parties instead of pursuing the claims in court) from being valid or enforceable in disputes related to credit card accounts or personal bank accounts that are not subject to a final judgment by a court if credit card or bank account was not issued in response to a request or application for that account.) S. 537: Arbitration Fairness Act (This bill prohibits a predispute arbitration agreement from being valid or enforceable if requires arbitration of aemployment, consumer, antitrust, or civil rights dispute.) S.550: Restoring Statutory Rights and Interests of the States Act (This bill amends the Federal Arbitration Act to invalidate arbitration agreements between parties in certain commercial contracts or transactions if they require arbitration of a claim for damages or injunctive relief brought by an individual or small business arising from the alleged violation of a federal or state statute, the U.S. Constitution, or a state constitution, unless the written agreement to arbitrate is entered into by both parties after the claim has arisen and pertains solely to an existing claim.)S.553: Court Legal Access and Student Support (CLASS) Act (This bill makes procedures for the enforcement of arbitration agreements inapplicable to enrollment agreement between student and an institution of higher education (IHE).) S. 647: Mandatory Arbitration Transparency Act (This bill prohibits predispute arbitration agreements from containing a confidentiality clause regarding an employment, consumer, or civil rights dispute that could be interpreted to prohibit a party from: (1) making a communication in a manner such that prohibition would violate a whistle-blower statute; or (2) reporting or making communication about tortious conduct, unlawful conduct, or issues of public policy or public concern. )S. 646: Justice for Servicemembers Act (This bill authorizes the Department of Justice (DOJ) to initiate an action for relief in a service member's employment or reemployment rights action: (1) a private or state employer, or (2) a state or private employer that is engaged in a pattern or practice to infringe upon such rights.) S.867 - PROTECT Students Act of 2019 ; To protect students of institutions of higher education and taxpayer investment in institutions of higher education by improving oversight and accountability of institutions of higher education, particularly for-profit colleges, improving protections for students and borrowers, and ensuring the integrity of postsecondary education programs, and for other purposesS.951 - Regulatory Accountability Act of 2017 (This bill codifies and revises notice-and-comment rulemaking procedures to require federal agencies to consider: (1) whether a rulemaking is required by statute or is within the discretion of the agency, (2) whether existing federal laws or rules could be amended or rescinded to address the problem, and (3) reasonable alternatives for a new rule.) S.1642, Protecting Consumers Access to Credit Act of 2017 (This bill amends the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to state that bank loans that are valid when made as to their maximum rate of interest in accordance with federal law shall remain valid with respect to that rate regardless of whether a bank has subsequently sold or assigned the loan to a third party. S.J.Res.47 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of rule submitted by Bureau of Consumer Financial Protection on "Arbitration Agreements" S.1659, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) S.2155, Economic Growth, Regulatory Relief, and Consumer Protection Act (bill aimed at rolling back financial regulations concerning banks other financial institutions) S.J.Res57 A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act"H.R. 4, makes revisions to Federal law to improve the conditions necessary for economic growth and job creation, and for other purposes.H.R. 37, makes technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, to enhance the ability of small and emerging growth companies to access capital through public and private markets, to reduce regulatory burdens, and for other purposes.H.R. 50, provides for additional safeguards with respect to imposing Federal mandates, other purposes. H.R113, improves the accountability and transparency of the Board of Governors of the Federal Reserve System, and for other purposes. H.R185, reforms the process by which Federal agencies analyze and formulate new regulations and guidance documents. H.R.347, amends the Credit Repair Organizations Act to exempt certain consumer reporting agencies, and for other purposes.H.R. 367, amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law.H.R. 427, amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law.H.R. 527, amends chapter 6 of title 5, United States Code (Regulatory Flexibility Act), to ensure complete analysis of potential impacts on small entities of rules, and for other purposes.H.R. 650, amends the Truth in Lending Act to modify the definitions of a mortgage originator and a high-cost mortgage.H.R.685, amends the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction.H.R.766, provides requirements for the appropriate Federal banking agencies when requesting or ordering a depository institution to terminate a specific customer account, to provide for additional requirements related to subpoenas issued under the Financial Institutions Reform, Recovery, and Enforcement Act of 1989, and for other purposes.H.R. 899, provides for additional safeguards with respect to imposing Federal mandates, other purposes.H.R. 957, requires Senate confirmation of Inspector General of the Bureau of Consumer Financial Protection, and for other purposes.H.R. 1090, amends the Securities Exchange Act of 1934 to provide protections for retail customers, and for other purposes.H.R. 1195, amends the Consumer Financial Protection Act of 2010 to establish advisory boards, and for other purposesH.R. 1210, amends the Truth in Lending Act to provide a safe harbor from certain requirements related to qualified mortgages for residential mortgage loans held on an originating depository institution's portfolio, and for other purposes.H.R. 1259, provides for an application process for interested parties to apply for an area to be designated as a rural area, and for other purposes.H.R. 1261, amends the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process,H.R1264, provides an exemption from rules and regulations of the Bureau of Consumer Financial protection for community financial institutions, H.R.1265, applies the requirements of the Federal Advisory Committee Act to the Bureau of Consumer Financial Protection.H.R.1266, amends the Consumer Financial Protection Act of 2010 to make the Bureau of Consumer Financial Protection an independent Financial Product Safety Commission, other purposes.H.R. 1413, terminates Operation Choke Point.H.R.1493, imposes certain limitations on consent decrees and settlement agreements by agencies that require the agencies to take regulatory action in accordance with the terms thereof, and for other purposes.H.R.1529, amends the Truth in Lending Act and the Real Estate Settlement Procedures Act of 1974 to modify the requirements for community financial institutions with respect to certain rules relating to mortgage loans, and for other purposes. H.R.1553 amends the Federal Deposit Insurance Act to specify which smaller institutions may qualify for an 18-month examination cycle. H.R.1660, amends the Home Owners' Loan Act to allow Federal savings associations to elect to operate as national banks, H.R. 1737, nullifies certain guidance of the Bureau of Consumer Financial Protection and to provide requirements for guidance issued by the Bureau with respect to indirect auto lending. H.R1799, amends the Real Estate Settlement Procedures Act of 1974 to prohibit certain financial benefits for referrals of business and to improve the judicial relief for certain violations, other purposes. H.R. 1941, improves the examination of depository institutions, other purposes. H.R.2213, provides for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, H.R. 2243 suspends the current compensation packages for the senior executives of Fannie Mae and Freddie Mac and establish compensation for such positions in accordance with rates of pay for senior employees in the Executive Branch of the Federal Government, other purposes. H.R. 2354, directs Securities and Exchange Commission to review all its significant regulations to determine such regulations are necessary in the public interest or whether such regulations should be amended or rescinded. H.R.4294, amends the Internal Revenue Code of 1986 to ensure that retirement investors receive advice in their best interests, other purposes. H.R. 2542 amends chapter 6 of title 5, United States Code (commonly known as the Regulatory Flexibility Act), to ensure colete analysis of potential impacts on small entities of rules H.R.2683, amends the Fair Credit Reporting Act to delay the inclusion in consumer credit reports and to establish requirements for debt collectors with respect to medical debt information of veterans due to inappropriate or delayed billing payments or reimbursements from the Department of Veterans Affairs, and for other purposes.H.R. 2577, makes appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2016, and for other purposes.H.R. 2804, amends title 5, United States Code, to require the Administrator of the Office of Information and Regulatory Affairs to publish information about rules on the Internet other purposes. H.R. 3035, amends the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain positive consumer credit information to consumer reporting agencies, other purposes. H.R. 3189. amends the Federal Reserve Act to establish requirements for policy rules and blackout periods of the Federal Open Market Committee, to establish requirements for certain activities of the Board of Governors of the Federal Reserve System, and to amend title 31, United States Code, to reform the manner in which the Board of Governors of the Federal Reserve System is audited H.R. 3192, provides for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending ActH.R. 3438, amends title 5, United States Code, to postpone the effective date of high-impact rules H.R. 3634, establishes student loan borrowers' rights to basic consumer protections, reasonable flexible repayment options, access to earned credentials, and effective loan cancellation in exchange for public service H.R 4018 amends the Truth in Lending Act to establish deferred presentment transaction requirements, other purposes. H.R. 4293 amends the Employee Retirement Income Security Act of 1974 to ensure that retirement investors receive advice in their best interests, H.R. 4439, amends the Revised Statutes, the Bank Service Company Act, the Federal Deposit Insurance Act, and the Home Owners' Loan Act to clarify that the role of the insured depository institution as lender and the location of an insured depository institution under applicable law are not affected by any contract between institution and a third-party service provider, and to clarify that Federal preemption of State usury laws applies to any loan to which an insured depository institution is the party to which the debt is initially owed according to its terms, other purposes. H.R. 4550, amends the Fair Debt Collection Practices Act to exclude law firms and licensed attorneys who are engaged in activities related to legal proceedings from definition of a debt collector, to amend the Consumer Financial Protection Act of 2010 to prevent the Bureau of Consumer Financial Protection from exercising supervisory or enforcement authority with respect to attorneys H.R. 4725, amends the Federal Deposit Insurance Act to require short form call reports for certain depository institutions. H.R. 4768, amends title 5, United States Code, to clarify the nature of judicial review of agency interpretations of statutory, regulatory provisions. H.R. 5143, provides greater transparency and congressional oversight of international insurance standards setting processes, other purposes. H.R. 5485, makes appropriations for financial services and general government for the fiscal year ending September 30, 2017,other purposes. H.R. 5982, amends chapter 8 of title 5, United States Code, to provide for en bloc consideration in resolutions of disapproval for "midnight rules" Fiscal Year 2016 spending bills for the Department of Justice (CJS) Makes appropriations for the Departments of Commerce and Justice, Science, and Related Agencies for the fiscal year ending September 30, 2016, and other purposes. Fiscal Year 2016 spending bills for the Department of Housing and Urban Development (THUD), Bill will fund critical infrastructure and safety programs, provide responsible levels of funding for low-income housing H.R. 21 -Midnight Rules Relief Act of 2017, amends chapter 8 of title 5, United States Code H.R. 26 -Executive Need of Scrutiny Act of 2017 (REINS Act), amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 5 -Regulatory Accountability Act of 2017 (RAA), reforms the process by which Federal agencies analyze and formulate new regulations and guidance documents, to clarify the nature of judicial review of agency interpretations, to ensure complete analysis of potential impacts on small entities of rules, other purposes.H.J. Res. 73 - Providing congressional disapproval under chapter 8 of title 5, United States Code, of rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts H.R. 1424, amends the Truth in Lending Act and the Electronic Fund Transfer Act to provide justice to victims of fraud. H.R. 1374, amends title 9 of the United States Code with respect to arbitration.H.R. 1396, restores statutory rights to the people of the United States from forced arbitration.H.R. 985, amends the procedures used in Federal court class actions and multidistrict litigation proceedings to assure fairer, more efficient outcomes H.R. 585, amends the Securities Exchange Act of 1934 to prohibit mandatory pre-dispute arbitration agreements, and for other purposes. H.R. 864, (Rep. Love), amends the Fair Debt Collection Practices Act to restrict the debt collection practices of certain debt collectors H.R. 924, (Rep. Rothfus), amends the Federal Financial Institutions Examination Council Act of 1978 to establish a three-judge independent examination review panel.H.R. 1457, (Rep. Tipton), the Making Online Banking Initiation Legal and Easy Act of 2017 (To establish requirements using a driver's license or personal identification card by certain financial institutions for opening an account or obtaining a financial product or service, and for other purposes.)H.R. 2133, (Rep. Luetkemeyer), the Community Lending Enhancement and Regulatory Relief Act of 2017 (CLEARR act) (To provide regulatory relief to community financial institutions, and for other purposes.) H.R. 2226, (Rep. Barr), the Portfolio Lending and Mortgage Access Act ( This bill amends the Truth in Lending Act to allow a depository institution or credit union with assets below a specified threshold to forgo certain ability-to-pay requirements regarding residential mortgage loans) H.R. 2396, (Rep. Trott), the Privacy Notification Technical Correction Act (Bill amends section 503 of the Gramm-Leach Bliley Act. H.R. 3221, (Rep. Kustoff), the Access to Affordable Mortgages Act of 2017 (Sec. 2) This bill amends the Truth in Lending Act and the Financial Institutions Reform, Recovery, Enforcement Act of 1989 to exempt from property appraisal requirements a mortgage loan of $250,000 or less if it appears on the loan creditor's balance sheet for at least three years.) H.R. 6792 -Consumers First Act -Draft bill H.R. _ To amend the Economic Growth, Regulatory Relief, and Consumer Protection Act to clarify seasoning requirements for certain refinanced mortgage loans, and for other purposes -H.R. 134 - To amend title 11 of the United States Code with respect to modification of certain mortgages on principal residences H.R._, (Rep. Hollingsworth), the Ensuring Quality Unbiased Access to Loans Act of 2017 (nullify certain guidance on deposit advance products and to amend the Federal Deposit Insurance Act to provide the appropriate Federal banking agencies with additional requirements H.R. _, (Rep. Tenney), to simplify the process for national banks to obtain deposit insurance,House Appropriations Financial Services and General Government Financial Services Bill H.R1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 (This bill requires federal financial regulatory agencies to: (1) tailor any regulatory actions so as to limit burdens on the institutions involved, with consideration of the risk profiles and business models of those institutions; and (2) report to Congress on specific actions taken to do so, related issues) H.R. 1699, Preserving Access to Manufactured Housing Act of 2017 (This bill amends the Truth in Lending Act to specify that a retailer of manufactured housing is generally not a "mortgage originator" subject to requirements under that Act. Similarly, the bill amends the Secure and Fair EnforcementMortgage Licensing Act of 2008 to specify such a retailer is generally not a "loan originator" subject to requirements under Act.)H.R. 2954, Home Mortgage Disclosure Adjustment Act (amends Home Mortgage Disclosure Act of 1975 H.R. 3299, Protecting Consumers Access to Credit Act of 2017 (This bill amends the Revised Statutes, the Home Owners' Loan Act, H.R. 3791, Community Institution Mortgage Relief Act of 2017 (This bill amends the Truth inH.J.Res.111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection on arbitration H.R. 3760, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) H.R. 1153, the Mortgage Choice Act This bill amends the Truth in Lending Act to specify that neither escrow charges for insurance nor affiliated title charges shall be considered "points and fees" for purposes of determining whether a mortgage is a "high-cost mortgageH.R. 3978, the TRID Improvement Act ( This bill specifies that the amount deposited in the Securities and Exchange Commission (SEC) Reserve Fund for FY2018 may not exceed $48 million.) H.R. 6972, the Consumers First Act: To require the Consumer Financial Protection Bureau to meet its statutory purpose, and for other purposes. H.J.Res. 122 Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Payday, Vehicle Title, and Certain High-Cost Installment Loans
2018 · fourth_quarter · Banking
S.708 Regulatory Improvement Act (Establishes the legislative branch the Regulatory Improvement Commission.) S.774 Financial Institutions Examination Fairness and Reform Act (Amends the Federal Financial Institutions Examination Council Act of 1978 to require a federal financial institutions regulatory agency to make a final examination report to a financial institution within 60 days of the later of: (1) the exit interview for an examination of the institution, or (2) the provision of additional information by the institution relating to the examination.) S.1484 Financial Regulatory Improvement Act of 2015 (amends the Gramm-Leach-Bliley Act to exempt from the requirement to provide consumers with an annual written disclosure of their privacy policy certain financial institutions that provide nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution.) S.1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 (amends the Truth in Lending Act, Gramm0Leach Bliley Act, FDI Act, FHLB Act, and the Securities Exchange Act) S.1607 the Independent Agency Regulatory Analysis Act of 2015 (A bill to affirm the authority of the President to require independent regulatory agencies to comply with regulatory analysis requirements applicable to executive agencies, and for other purposes.) S. 1647 Developing a Reliable and Innovative Vision for the Economy Act (amend title 23, United States Code, to authorize funds for Federal-aid highways and highway safety construction programs, and for other purposes.) S.1773 Consumer Reporting Fairness Act of 2015 (amend title 11, United States Code, to require creditors to inform consumer reporting agencies that certain debts have been discharged in bankruptcy cases.) S.1818 Principled Rulemaking Act (revises the federal agency rulemaking process to require a agencies to promulgate only rules (defined to exclude agency actions involving a military or foreign affairs function of the United States or a matter relating to agency management or personnel or to public property, loans, grants, benefits, or contracts) that are required by law, necessary to interpret a law, or made necessary by public need, to protect or improve the health and safety of the public, the environment, or the wellbeing of the people of the United States.) S.1820 Early Participation in Regulations Act (bill directs an agency, not later than 90 days before publishing a notice of proposed rule making for a major rule in the Federal Register, to publish advance notice of proposed rule making for such rule,) S.1817 Smarter Regulations Through Advance Planning and Review Act (requires a federal agency, when publishing a proposed major rule and when publishing a final major rule, to include a framework for assessing the rule) S.1958 Christopher Bryski Student Loan Protection Act (establish additional protections and disclosures for students and co-signers with respect to student loans, and for other purposes.) S.2038 Jumpstart GSE reform Act (prohibits the use of an increase in the guarantee fee required to be charged by the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), or any affiliate of such organizations (enterprises) to offset an increase in outlays or a reduction in revenues for any purposes other than those related to the enterprises' business functions) S.2663 Reforming CFPB Indirect Auto Financing Guidance Act (declares without force or effect Consumer Financial Protection Bureau (CFPB) Bulletin 2013-02 (Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act), published March 21, 2013.) S.J. Res. 19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) S.552: Justice for Victims of Fraud Act (This bill amends the Truth in Lending Act and the Electronic Fund Transfer Act to prohibit predispute arbitration agreements with consumers (i.e., agreements to arbitrate any future disputes between parties instead of pursuing the claims in court) from being valid or enforceable in disputes related to credit card accounts or personal bank accounts that are not subject to a final judgment by a court if the credit card or bank account was not issued in response to a request or application for that account.) S. 537: Arbitration Fairness Act (prohibits a predispute arbitration agreement from being valid or enforceable if it requires arbitration of an employment, consumer, antitrust, or civil rights dispute.) S.550: Restoring Statutory Rights and Interests of the States Act (amends the Federal Arbitration Act to invalidate arbitration agreements between parties in certain commercial contracts or transactions if they require arbitration of a claim for damages or injunctive relief brought by an individual or small business arising from the alleged violation of a federal or state statute, the U.S. Constitution, or a state constitution, unless the written agreement to arbitrate is entered into by both parties after the claim has arisen and pertains solely to an existing claim.) S.553: Court Legal Access and Student Support (CLASS) Act (makes procedures for the enforcement of arbitration agreements inapplicable to an enrollment agreement between a student and an institution of higher education (IHE).) S.647: Mandatory Arbitration Transparency Act (prohibits predispute arbitration agreements from containing a confidentiality clause regarding an employment, consumer, or civil rights dispute that could be interpreted to prohibit a party from: (1) making a communication in a manner such that the prohibition would violate a whistle-blower statute; or (2) reporting or making a communication about tortious conduct, unlawful conduct, or issues of public policy or public concern. ) S.646: Justice for Servicemembers Act (authorizes the Department of Justice (DOJ) to initiate an action for relief in a service member's employment or reemployment rights action with respect to: (1) a private or state employer, or (2) a state or private employer that is engaged in a pattern or practice to infringe upon such rights.) S.951 - Regulatory Accountability Act of 2017 (codifies and revises notice-and-comment rulemaking procedures to require federal agencies to consider: (1) whether a rulemaking is required by statute or is within the discretion of the agency, (2) whether existing federal laws or rules could be amended or rescinded to address the problem, and (3) reasonable alternatives for a new rule.) S.1642, Protecting Consumers Access to Credit Act of 2017 (amends the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to state that bank loans that are valid when made as to their maximum rate of interest in accordance with federal law shall remain valid with respect to that rate regardless of whether a bank has subsequently sold or assigned the loan to a third party.0 S.J.Res.47 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 1659, the Protecting Consumers from Unreasonable Credit Rates Act (amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) S.2155, Economic Growth, Regulatory Relief, and Consumer Protection Act (bill aimed at rolling back financial regulations concerning banks and other financial institutions) S.J. Res. 57 A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act" H.R. 4, makes revisions to Federal law to improve the conditions necessary for economic growth and job creation, and other purposes. H.R. 37, makes technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, to enhance the ability of small and emerging growth companies to access capital through public and private markets, to reduce regulatory burdens, and other purposes. H.R. 50, provides for additional safeguards with respect to imposing Federal mandates, & other purposes. H.R. 113, improves the accountability and transparency of the Board of Governors of the Federal Reserve System, and for other purposes. H.R. 185, reforms the process by which Federal agencies analyze and formulate new regulations and guidance documents. H.R. 347, amends the Credit Repair Organizations Act to exempt certain consumer reporting agencies, and for other purposes. H.R. 367, amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 427, amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 527, amends chapter 6 of title 5, United States Code (commonly known as the Regulatory Flexibility Act), to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.R. 650, amends the Truth in Lending Act to modify definitions of a mortgage originator & high-cost mortgage. H.R. 685, amends the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. H.R. 766, provides requirements for the appropriate Federal banking agencies when requesting or ordering a depository institution to terminate a specific customer account, to provide for additional requirements related to subpoenas issued under the Financial Institutions Reform, Recovery, and Enforcement Act of 1989, and for other purposes. H.R. 899, provides for additional safeguards with respect to imposing Federal mandates, and for other purposes. H.R. 957, requires Senate confirmation of Inspector General of the Bureau of Consumer Financial Protection, and other purposes. H.R. 1090, amends the Securities Exchange Act of 1934 to provide protections for retail customers, and for other purposes. H.R. 1195, amends the Consumer Financial Protection Act of 2010 to establish advisory boards, other purposes H.R. 1210, amends the Truth in Lending Act to provide a safe harbor from certain requirements related to qualified mortgages for residential mortgage loans held on an originating depository institution's portfolio, and for other purposes. H.R. 1259, provides for an application process for interested parties to apply for an area to be designated as a rural area, and for other purposes. H.R. 1261, amends the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes. H.R. 1264, provides an exemption from rules and regulations of the Bureau of Consumer Financial protection for community financial institutions, and for other purposes. H.R. 1265, applies the requirements of the Federal Advisory Committee Act to the Bureau of Consumer Financial Protection. H.R. 1266, amends the Consumer Financial Protection Act of 2010 to make the Bureau of Consumer Financial Protection an independent Financial Product Safety Commission, and for other purposes. H.R. 1413, terminates Operation Choke Point. H.R. 1493, imposes certain limitations on consent decrees and settlement agreements by agencies that require the agencies to take regulatory action in accordance with the terms thereof, and for other purposes. H.R. 1529, amends the Truth in Lending Act and the Real Estate Settlement Procedures Act of 1974 to modify the requirements for community financial institutions with respect to certain rules relating to mortgage loans, and for other purposes. H.R. 1553 amends the Federal Deposit Insurance Act to specify which smaller institutions may qualify for an 18-month examination cycle. H.R. 1660, amends the Home Owners' Loan Act to allow Federal savings associations to elect to operate as national banks, and for other purposes. H.R. 1737, nullifies certain guidance of the Bureau of Consumer Financial Protection and to provide requirements for guidance issued by the Bureau with respect to indirect auto lending. H.R. 1799, amends the Real Estate Settlement Procedures Act of 1974 to prohibit certain financial benefits for referrals of business and to improve the judicial relief for certain violations, & other purposes. H.R. 1941, improves the examination of depository institutions, and for other purposes. H.R. 2213, provides for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029, makes appropriations for military construction, the Department of Veterans Affairs, and related agencies for the fiscal year ending September 30, 2016, and for other purposes. H.R. 2243, suspends the current compensation packages for the senior executives of Fannie Mae and Freddie Mac and establish compensation for such positions in accordance with rates of pay for senior employees in the Executive Branch of the Federal Government, and for other purposes. H.R. 2354, directs the Securities and Exchange Commission to review all its significant regulations to determine whether such regulations are necessary in the public interest or whether such regulations should be amended or rescinded. H.R. 4294, amends the Internal Revenue Code of 1986 to ensure that retirement investors receive advice in their best interests, and for other purposes. H.R. 2542 amends chapter 6 of title 5, United States Code (commonly known as the Regulatory Flexibility Act), to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.R. 2683, amends the Fair Credit Reporting Act to delay the inclusion in consumer credit reports and to establish requirements for debt collectors with respect to medical debt information of veterans due to inappropriate or delayed billing payments or reimbursements from the Department of Veterans Affairs, and for other purposes. H.R. 2577, makes appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2016, and for other purposes. H.R. 2804, amends title 5, United States Code, to require the Administrator of the Office of Information and Regulatory Affairs to publish information about rules on the Internet, and for other purposes. H.R. 3035, amends the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain positive consumer credit information to consumer reporting agencies, and for other purposes. H.R. 3189. amends the Federal Reserve Act to establish requirements for policy rules and blackout periods of the Federal Open Market Committee, to establish requirements for certain activities of the Board of Governors of the Federal Reserve System, and to amend title 31, United States Code, to reform the manner in which the Board of Governors of the Federal Reserve System is audited, & other purposes. H.R. 3192, provides for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 3438, amends title 5, United States Code, to postpone the effective date of high-impact rules pending judicial review. H.R. 3634, establishes student loan borrowers' rights to basic consumer protections, reasonable and flexible repayment options, access to earned credentials, and effective loan cancellation in exchange for public service, and for other purposes. H.R. 4018, amends the Truth in Lending Act to establish deferred presentment transaction requirements, and other purposes. H.R. 4293, amends the Employee Retirement Income Security Act of 1974 to ensure that retirement investors receive advice in their best interests, and for other purposes. H.R. 4439, amends the Revised Statutes, the Bank Service Company Act, the Federal Deposit Insurance Act, and the Home Owners' Loan Act to clarify that the role of the insured depository institution as lender and the location of an insured depository institution under applicable law are not affected by any contract between the institution and a third-party service provider, and to clarify that Federal preemption of State usury laws applies to any loan to which an insured depository institution is the party to which the debt is initially owed according to its terms, and other purposes. H.R. 4550, amends the Fair Debt Collection Practices Act to exclude law firms and licensed attorneys who are engaged in activities related to legal proceedings from the definition of a debt collector, to amend the Consumer Financial Protection Act of 2010 to prevent the Bureau of Consumer Financial Protection from exercising supervisory or enforcement authority with respect to attorneys when undertaking certain actions related to legal proceedings, and other purposes. H.R. 4648, delays the effective date of certain regulations relating to home mortgage disclosures, to suspend certain data sharing requirements, and other purposes. H.R. 4725, amends the Federal Deposit Insurance Act to require short form call reports for certain depository institutions. H.R. 4768, amends title 5, United States Code, to clarify the nature of judicial review of agency interpretations of statutory and regulatory provisions. H.R. 4986, amends certain banking statutes in response to Operation Choke Point. H.R. 5143, provides greater transparency and congressional oversight of international insurance standards setting processes, and for other purposes. H.R. 5485, makes appropriations for financial services and general government for the fiscal year ending September 30, 2017, and for other purposes. H.R. 5982, amends chapter 8 of title 5, United States Code, to provide for en bloc consideration in resolutions of disapproval for "midnight rules", and for other purposes. Fiscal Year 2016 spending bills for the Department of Justice (CJS) Makes appropriations for the Departments of Commerce and Justice, Science, and Related Agencies for the fiscal year ending September 30, 2016, and for other purposes. Fiscal Year 2016 spending bills for the Department of Housing and Urban Development (THUD), Bill will fund critical infrastructure and safety programs, provide responsible levels of funding for low-income housing Fiscal Year 2017 Commerce, Justice, Science Funding Bill, Bill targets funding to law enforcement and national security efforts, economic development, and fundamental research activities H.R. 21 -Midnight Rules Relief Act of 2017, amends chapter 8 of title 5, United States Code, to provide for en bloc consideration in resolutions of disapproval for "midnight rules", and for other purposes. H.R. 26 -Executive Need of Scrutiny Act of 2017 (REINS Act), amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 5 -Regulatory Accountability Act of 2017 (RAA), reforms the process by which Federal agencies analyze and formulate new regulations and guidance documents, to clarify the nature of judicial review of agency interpretations, to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.J. Res. 73 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) H.R. 1424, amends the Truth in Lending Act and the Electronic Fund Transfer Act to provide justice to victims of fraud. H.R. 1374, amends title 9 of the United States Code with respect to arbitration. H.R. 1396, restores statutory rights to the people of the United States from forced arbitration. H.R. 985, amends the procedures used in Federal court class actions and multidistrict litigation proceedings to assure fairer, more efficient outcomes for claimants and defendants, and for other purposes. H.R. 585, amends the Securities Exchange Act of 1934 to prohibit mandatory pre-dispute arbitration agreements, & other purposes. H.R. 864, (Rep. Love), amends the Fair Debt Collection Practices Act to restrict the debt collection practices of certain debt collectors H.R. 924, (Rep. Rothfus), amends the Federal Financial Institutions Examination Council Act of 1978 to establish a three-judge independent examination review panel. H.R. 1457, (Rep. Tipton), the Making Online Banking Initiation Legal and Easy Act of 2017 (To establish requirements for use of a driver's license or personal identification card by certain financial institutions for opening an account or obtaining a financial product or service, and for other purposes.) H.R. 2133, (Rep. Luetkemeyer), the Community Lending Enhancement and Regulatory Relief Act of 2017 (CLEARR act) (To provide regulatory relief to community financial institutions, and for other purposes.) H.R. 2226, (Rep. Barr), the Portfolio Lending and Mortgage Access Act (amends the Truth in Lending Act to allow a depository institution or credit union with assets below a specified threshold to forgo certain ability-to-pay requirements regarding residential mortgage loans) H.R. 2396, (Rep. Trott), the Privacy Notification Technical Correction Act (amends section 503 of the Gramm-Leach Bliley Act. H.R. 3221, (Rep. Kustoff), the Access to Affordable Mortgages Act of 2017 (Sec. 2) amends the Truth in Lending Act and the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 to exempt from property appraisal requirements a mortgage loan of $250,000 or less if it appears on the loan creditor's balance sheet for at least three years.) H.R. 6792 -Consumers First Act -Draft bill H.R. ___ To amend the Economic Growth, Regulatory Relief, and Consumer Protection Act to clarify seasoning requirements for certain refinanced mortgage loans, and for other purposes -H.R. 134 - To amend title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes H.R. __, (Rep. Hollingsworth), the Ensuring Quality Unbiased Access to Loans Act of 2017 (To nullify certain guidance on deposit advance products and to amend the Federal Deposit Insurance Act to provide the appropriate Federal banking agencies with additional requirements when issuing such guidance, and for other purposes.) H.R. __, (Rep. Tenney), to simplify the process for national banks to obtain deposit insurance, & other purposes. House Appropriations Financial Services and General Government Financial Services Bill H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 (This bill requires federal financial regulatory agencies to: (1) tailor any regulatory actions so as to limit burdens on the institutions involved, with consideration of the risk profiles and business models of those institutions; and (2) report to Congress on specific actions taken to do so, as well as on other related issues. The bill's tailoring requirement applies not only to future regulatory actions but also to regulations adopted within the last seven years.) H.R. 1699, Preserving Access to Manufactured Housing Act of 2017 (amends the Truth in Lending Act (TILA) to specify that a retailer of manufactured housing is generally not a "mortgage originator" subject to requirements under that Act. Similarly, the bill amends the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 to specify that such a retailer is generally not a "loan originator" subject to requirements under that Act.) H.R. 2954, Home Mortgage Disclosure Adjustment Act (amends the Home Mortgage Disclosure Act of 1975 to exempt a depository institution from certain records and disclosure requirements related to the itemization of loan data: (1) with respect to closed-end mortgage loans, if the depository institution originated fewer than 500 such loans in each of the two preceding years; and (2) with respect to open-end lines of credit, if the depository institution originated fewer than 500 such lines of credit i
2018 · fourth_quarter · Housing
H.R. 5983 Financial CHOICE Act of 2016 S. 1484 Financial Regulatory Improvement Act of 2015 - Fannie Mae & Freddie Mac credit risk retention H.R. 3556 - The Taxpayer Protections & Market Access for Mortgage Finance Act - legislation requiring the GSEs to increase credit risk transfers (CRT) with the private sector. H.R. 1 - The Tax Cuts and Jobs Act - and The Tax Extenders - to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages. Issue: Housing Finance Reform - to have private capital's role, specifically Mortgage Insurance, be an expanded and integral part of any reform. Issue: Housing Finance Reform proposals and previous legislative work on the Senate side including Corker Warner and Johnson Crapo Housing Reform proposals from previous Congresses. New proposal this quarter from Chairman Jeb Hensarling and Congressman Delaney.
Client expense: $520,338 · Firm income: Not reported
Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), SENATE, Treasury, Dept of, Vice President of the U.S.
2018 · third_quarter · Housing
H.R. 5983 Financial CHOICE Act of 2016 S. 1484 Financial Regulatory Improvement Act of 2015 - Fannie Mae & Freddie Mac credit risk retention H.R. 3556 - The Taxpayer Protections & Market Access for Mortgage Finance Act - legislation requiring the GSEs to increase credit risk transfers (CRT) with the private sector. H.R. 1 - The Tax Cuts and Jobs Act - and The Tax Extenders - to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages. Issue: Housing Finance Reform - to have private capital's role, specifically Mortgage Insurance, be an expanded and integral part of any reform. Issue: Housing Finance Reform proposals and previous legislative work on the Senate side including Corker Warner and Johnson Crapo Housing Reform proposals from previous Congresses. New proposal this quarter from Chairman Jeb Hensarling and Congressman Delaney.
Client expense: $525,388 · Firm income: Not reported
Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), SENATE, Treasury, Dept of, Vice President of the U.S.
| S 1910 |
114th |
| Related bill |
| S 1560 | 114th | Related bill |
| S 1491 | 114th | Related bill |
| S 1367 | 114th | Related bill |
| S 1344 | 114th | Related bill |
| HR 3808 | 114th | Related bill |
| HR 299 | 114th | Related bill |
| HR 2642 | 114th | Related bill |
| HR 2121 | 114th | Related bill |
Client expense: $60,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, White House Office
Client expense: $70,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office
2018 · third_quarter · Banking
S.708 Regulatory Improvement Act (Establishes the legislative branch the Regulatory Improvement Commission.) S.774 Financial Institutions Examination Fairness and Reform Act (Amends the Federal Financial Institutions Examination Council Act of 1978 to require a federal financial institutions regulatory agency to make a final examination report to a financial institution within 60 days of the later of: (1) the exit interview for an examination of the institution, or (2) the provision of additional information by the institution relating to the examination.) S.1484 Financial Regulatory Improvement Act of 2015 (amends the Gramm-Leach-Bliley Act to exempt from the requirement to provide consumers with an annual written disclosure of their privacy policy certain financial institutions that provide nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution.) S.1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 (amends the Truth in Lending Act, Gramm0Leach Bliley Act, FDI Act, FHLB Act, and the Securities Exchange Act) S.1607 the Independent Agency Regulatory Analysis Act of 2015 (A bill to affirm the authority of the President to require independent regulatory agencies to comply with regulatory analysis requirements applicable to executive agencies, and for other purposes.) S. 1647 Developing a Reliable and Innovative Vision for the Economy Act (amend title 23, United States Code, to authorize funds for Federal-aid highways and highway safety construction programs, and for other purposes.) S.1773 Consumer Reporting Fairness Act of 2015 (amend title 11, United States Code, to require creditors to inform consumer reporting agencies that certain debts have been discharged in bankruptcy cases.) S.1818 Principled Rulemaking Act (revises the federal agency rulemaking process to require a agencies to promulgate only rules (defined to exclude agency actions involving a military or foreign affairs function of the United States or a matter relating to agency management or personnel or to public property, loans, grants, benefits, or contracts) that are required by law, necessary to interpret a law, or made necessary by public need, to protect or improve the health and safety of the public, the environment, or the wellbeing of the people of the United States.) S.1820 Early Participation in Regulations Act (bill directs an agency, not later than 90 days before publishing a notice of proposed rule making for a major rule in the Federal Register, to publish advance notice of proposed rule making for such rule,) S.1817 Smarter Regulations Through Advance Planning and Review Act (requires a federal agency, when publishing a proposed major rule and when publishing a final major rule, to include a framework for assessing the rule) S.1958 Christopher Bryski Student Loan Protection Act (establish additional protections and disclosures for students and co-signers with respect to student loans, and for other purposes.) S.2038 Jumpstart GSE reform Act (prohibits the use of an increase in the guarantee fee required to be charged by the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), or any affiliate of such organizations (enterprises) to offset an increase in outlays or a reduction in revenues for any purposes other than those related to the enterprises' business functions) S.2663 Reforming CFPB Indirect Auto Financing Guidance Act (declares without force or effect Consumer Financial Protection Bureau (CFPB) Bulletin 2013-02 (Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act), published March 21, 2013.) S.J. Res. 19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) S.552: Justice for Victims of Fraud Act (This bill amends the Truth in Lending Act and the Electronic Fund Transfer Act to prohibit predispute arbitration agreements with consumers (i.e., agreements to arbitrate any future disputes between parties instead of pursuing the claims in court) from being valid or enforceable in disputes related to credit card accounts or personal bank accounts that are not subject to a final judgment by a court if the credit card or bank account was not issued in response to a request or application for that account.) S. 537: Arbitration Fairness Act (prohibits a predispute arbitration agreement from being valid or enforceable if it requires arbitration of an employment, consumer, antitrust, or civil rights dispute.) S.550: Restoring Statutory Rights and Interests of the States Act (amends the Federal Arbitration Act to invalidate arbitration agreements between parties in certain commercial contracts or transactions if they require arbitration of a claim for damages or injunctive relief brought by an individual or small business arising from the alleged violation of a federal or state statute, the U.S. Constitution, or a state constitution, unless the written agreement to arbitrate is entered into by both parties after the claim has arisen and pertains solely to an existing claim.) S.553: Court Legal Access and Student Support (CLASS) Act (makes procedures for the enforcement of arbitration agreements inapplicable to an enrollment agreement between a student and an institution of higher education (IHE).) S.647: Mandatory Arbitration Transparency Act (prohibits predispute arbitration agreements from containing a confidentiality clause regarding an employment, consumer, or civil rights dispute that could be interpreted to prohibit a party from: (1) making a communication in a manner such that the prohibition would violate a whistle-blower statute; or (2) reporting or making a communication about tortious conduct, unlawful conduct, or issues of public policy or public concern. ) S.646: Justice for Servicemembers Act (authorizes the Department of Justice (DOJ) to initiate an action for relief in a service member's employment or reemployment rights action with respect to: (1) a private or state employer, or (2) a state or private employer that is engaged in a pattern or practice to infringe upon such rights.) S.951 - Regulatory Accountability Act of 2017 (codifies and revises notice-and-comment rulemaking procedures to require federal agencies to consider: (1) whether a rulemaking is required by statute or is within the discretion of the agency, (2) whether existing federal laws or rules could be amended or rescinded to address the problem, and (3) reasonable alternatives for a new rule.) S.1642, Protecting Consumers Access to Credit Act of 2017 (amends the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to state that bank loans that are valid when made as to their maximum rate of interest in accordance with federal law shall remain valid with respect to that rate regardless of whether a bank has subsequently sold or assigned the loan to a third party.0 S.J.Res.47 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 1659, the Protecting Consumers from Unreasonable Credit Rates Act (amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) S.2155, Economic Growth, Regulatory Relief, and Consumer Protection Act (bill aimed at rolling back financial regulations concerning banks and other financial institutions) S.J. Res. 57 A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act" H.R. 4, makes revisions to Federal law to improve the conditions necessary for economic growth and job creation, and other purposes. H.R. 37, makes technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, to enhance the ability of small and emerging growth companies to access capital through public and private markets, to reduce regulatory burdens, and other purposes. H.R. 50, provides for additional safeguards with respect to imposing Federal mandates, & other purposes. H.R. 113, improves the accountability and transparency of the Board of Governors of the Federal Reserve System, and for other purposes. H.R. 185, reforms the process by which Federal agencies analyze and formulate new regulations and guidance documents. H.R. 347, amends the Credit Repair Organizations Act to exempt certain consumer reporting agencies, and for other purposes. H.R. 367, amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 427, amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 527, amends chapter 6 of title 5, United States Code (commonly known as the Regulatory Flexibility Act), to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.R. 650, amends the Truth in Lending Act to modify definitions of a mortgage originator & high-cost mortgage. H.R. 685, amends the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. H.R. 766, provides requirements for the appropriate Federal banking agencies when requesting or ordering a depository institution to terminate a specific customer account, to provide for additional requirements related to subpoenas issued under the Financial Institutions Reform, Recovery, and Enforcement Act of 1989, and for other purposes. H.R. 899, provides for additional safeguards with respect to imposing Federal mandates, and for other purposes. H.R. 957, requires Senate confirmation of Inspector General of the Bureau of Consumer Financial Protection, and other purposes. H.R. 1090, amends the Securities Exchange Act of 1934 to provide protections for retail customers, and for other purposes. H.R. 1195, amends the Consumer Financial Protection Act of 2010 to establish advisory boards, other purposes H.R. 1210, amends the Truth in Lending Act to provide a safe harbor from certain requirements related to qualified mortgages for residential mortgage loans held on an originating depository institution's portfolio, and for other purposes. H.R. 1259, provides for an application process for interested parties to apply for an area to be designated as a rural area, and for other purposes. H.R. 1261, amends the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes. H.R. 1264, provides an exemption from rules and regulations of the Bureau of Consumer Financial protection for community financial institutions, and for other purposes. H.R. 1265, applies the requirements of the Federal Advisory Committee Act to the Bureau of Consumer Financial Protection. H.R. 1266, amends the Consumer Financial Protection Act of 2010 to make the Bureau of Consumer Financial Protection an independent Financial Product Safety Commission, and for other purposes. H.R. 1413, terminates Operation Choke Point. H.R. 1493, imposes certain limitations on consent decrees and settlement agreements by agencies that require the agencies to take regulatory action in accordance with the terms thereof, and for other purposes. H.R. 1529, amends the Truth in Lending Act and the Real Estate Settlement Procedures Act of 1974 to modify the requirements for community financial institutions with respect to certain rules relating to mortgage loans, and for other purposes. H.R. 1553 amends the Federal Deposit Insurance Act to specify which smaller institutions may qualify for an 18-month examination cycle. H.R. 1660, amends the Home Owners' Loan Act to allow Federal savings associations to elect to operate as national banks, and for other purposes. H.R. 1737, nullifies certain guidance of the Bureau of Consumer Financial Protection and to provide requirements for guidance issued by the Bureau with respect to indirect auto lending. H.R. 1799, amends the Real Estate Settlement Procedures Act of 1974 to prohibit certain financial benefits for referrals of business and to improve the judicial relief for certain violations, & other purposes. H.R. 1941, improves the examination of depository institutions, and for other purposes. H.R. 2213, provides for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029, makes appropriations for military construction, the Department of Veterans Affairs, and related agencies for the fiscal year ending September 30, 2016, and for other purposes. H.R. 2243, suspends the current compensation packages for the senior executives of Fannie Mae and Freddie Mac and establish compensation for such positions in accordance with rates of pay for senior employees in the Executive Branch of the Federal Government, and for other purposes. H.R. 2354, directs the Securities and Exchange Commission to review all its significant regulations to determine whether such regulations are necessary in the public interest or whether such regulations should be amended or rescinded. H.R. 4294, amends the Internal Revenue Code of 1986 to ensure that retirement investors receive advice in their best interests, and for other purposes. H.R. 2542 amends chapter 6 of title 5, United States Code (commonly known as the Regulatory Flexibility Act), to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.R. 2683, amends the Fair Credit Reporting Act to delay the inclusion in consumer credit reports and to establish requirements for debt collectors with respect to medical debt information of veterans due to inappropriate or delayed billing payments or reimbursements from the Department of Veterans Affairs, and for other purposes. H.R. 2577, makes appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2016, and for other purposes. H.R. 2804, amends title 5, United States Code, to require the Administrator of the Office of Information and Regulatory Affairs to publish information about rules on the Internet, and for other purposes. H.R. 3035, amends the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain positive consumer credit information to consumer reporting agencies, and for other purposes. H.R. 3189. amends the Federal Reserve Act to establish requirements for policy rules and blackout periods of the Federal Open Market Committee, to establish requirements for certain activities of the Board of Governors of the Federal Reserve System, and to amend title 31, United States Code, to reform the manner in which the Board of Governors of the Federal Reserve System is audited, & other purposes. H.R. 3192, provides for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 3438, amends title 5, United States Code, to postpone the effective date of high-impact rules pending judicial review. H.R. 3634, establishes student loan borrowers' rights to basic consumer protections, reasonable and flexible repayment options, access to earned credentials, and effective loan cancellation in exchange for public service, and for other purposes. H.R. 4018, amends the Truth in Lending Act to establish deferred presentment transaction requirements, and other purposes. H.R. 4293, amends the Employee Retirement Income Security Act of 1974 to ensure that retirement investors receive advice in their best interests, and for other purposes. H.R. 4439, amends the Revised Statutes, the Bank Service Company Act, the Federal Deposit Insurance Act, and the Home Owners' Loan Act to clarify that the role of the insured depository institution as lender and the location of an insured depository institution under applicable law are not affected by any contract between the institution and a third-party service provider, and to clarify that Federal preemption of State usury laws applies to any loan to which an insured depository institution is the party to which the debt is initially owed according to its terms, and other purposes. H.R. 4550, amends the Fair Debt Collection Practices Act to exclude law firms and licensed attorneys who are engaged in activities related to legal proceedings from the definition of a debt collector, to amend the Consumer Financial Protection Act of 2010 to prevent the Bureau of Consumer Financial Protection from exercising supervisory or enforcement authority with respect to attorneys when undertaking certain actions related to legal proceedings, and other purposes. H.R. 4648, delays the effective date of certain regulations relating to home mortgage disclosures, to suspend certain data sharing requirements, and other purposes. H.R. 4725, amends the Federal Deposit Insurance Act to require short form call reports for certain depository institutions. H.R. 4768, amends title 5, United States Code, to clarify the nature of judicial review of agency interpretations of statutory and regulatory provisions. H.R. 4986, amends certain banking statutes in response to Operation Choke Point. H.R. 5143, provides greater transparency and congressional oversight of international insurance standards setting processes, and for other purposes. H.R. 5485, makes appropriations for financial services and general government for the fiscal year ending September 30, 2017, and for other purposes. H.R. 5982, amends chapter 8 of title 5, United States Code, to provide for en bloc consideration in resolutions of disapproval for "midnight rules", and for other purposes. Fiscal Year 2016 spending bills for the Department of Justice (CJS) Makes appropriations for the Departments of Commerce and Justice, Science, and Related Agencies for the fiscal year ending September 30, 2016, and for other purposes. Fiscal Year 2016 spending bills for the Department of Housing and Urban Development (THUD), Bill will fund critical infrastructure and safety programs, provide responsible levels of funding for low-income housing Fiscal Year 2017 Commerce, Justice, Science Funding Bill, Bill targets funding to law enforcement and national security efforts, economic development, and fundamental research activities H.R. 21 -Midnight Rules Relief Act of 2017, amends chapter 8 of title 5, United States Code, to provide for en bloc consideration in resolutions of disapproval for "midnight rules", and for other purposes. H.R. 26 -Executive Need of Scrutiny Act of 2017 (REINS Act), amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 5 -Regulatory Accountability Act of 2017 (RAA), reforms the process by which Federal agencies analyze and formulate new regulations and guidance documents, to clarify the nature of judicial review of agency interpretations, to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.J. Res. 73 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) H.R. 1424, amends the Truth in Lending Act and the Electronic Fund Transfer Act to provide justice to victims of fraud. H.R. 1374, amends title 9 of the United States Code with respect to arbitration. H.R. 1396, restores statutory rights to the people of the United States from forced arbitration. H.R. 985, amends the procedures used in Federal court class actions and multidistrict litigation proceedings to assure fairer, more efficient outcomes for claimants and defendants, and for other purposes. H.R. 585, amends the Securities Exchange Act of 1934 to prohibit mandatory pre-dispute arbitration agreements, & other purposes. H.R. 864, (Rep. Love), amends the Fair Debt Collection Practices Act to restrict the debt collection practices of certain debt collectors H.R. 924, (Rep. Rothfus), amends the Federal Financial Institutions Examination Council Act of 1978 to establish a three-judge independent examination review panel. H.R. 1457, (Rep. Tipton), the Making Online Banking Initiation Legal and Easy Act of 2017 (To establish requirements for use of a driver's license or personal identification card by certain financial institutions for opening an account or obtaining a financial product or service, and for other purposes.) H.R. 2133, (Rep. Luetkemeyer), the Community Lending Enhancement and Regulatory Relief Act of 2017 (CLEARR act) (To provide regulatory relief to community financial institutions, and for other purposes.) H.R. 2226, (Rep. Barr), the Portfolio Lending and Mortgage Access Act (amends the Truth in Lending Act to allow a depository institution or credit union with assets below a specified threshold to forgo certain ability-to-pay requirements regarding residential mortgage loans) H.R. 2396, (Rep. Trott), the Privacy Notification Technical Correction Act (amends section 503 of the Gramm-Leach Bliley Act. H.R. 3221, (Rep. Kustoff), the Access to Affordable Mortgages Act of 2017 (Sec. 2) amends the Truth in Lending Act and the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 to exempt from property appraisal requirements a mortgage loan of $250,000 or less if it appears on the loan creditor's balance sheet for at least three years.) H.R. 6792 -Consumers First Act -Draft bill H.R. ___ To amend the Economic Growth, Regulatory Relief, and Consumer Protection Act to clarify seasoning requirements for certain refinanced mortgage loans, and for other purposes -H.R. 134 - To amend title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes H.R. __, (Rep. Hollingsworth), the Ensuring Quality Unbiased Access to Loans Act of 2017 (To nullify certain guidance on deposit advance products and to amend the Federal Deposit Insurance Act to provide the appropriate Federal banking agencies with additional requirements when issuing such guidance, and for other purposes.) H.R. __, (Rep. Tenney), to simplify the process for national banks to obtain deposit insurance, & other purposes. House Appropriations Financial Services and General Government Financial Services Bill H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 (This bill requires federal financial regulatory agencies to: (1) tailor any regulatory actions so as to limit burdens on the institutions involved, with consideration of the risk profiles and business models of those institutions; and (2) report to Congress on specific actions taken to do so, as well as on other related issues. The bill's tailoring requirement applies not only to future regulatory actions but also to regulations adopted within the last seven years.) H.R. 1699, Preserving Access to Manufactured Housing Act of 2017 (amends the Truth in Lending Act (TILA) to specify that a retailer of manufactured housing is generally not a "mortgage originator" subject to requirements under that Act. Similarly, the bill amends the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 to specify that such a retailer is generally not a "loan originator" subject to requirements under that Act.) H.R. 2954, Home Mortgage Disclosure Adjustment Act (amends the Home Mortgage Disclosure Act of 1975 to exempt a depository institution from certain records and disclosure requirements related to the itemization of loan data: (1) with respect to closed-end mortgage loans, if the depository institution originated fewer than 500 such loans in each of the two preceding years; and (2) with respect to open-end lines of credit, if the depository institution originated fewer than 500 such lines of credit i
Client expense: $70,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office
2018 · second_quarter · Housing
H.R. 5983 Financial CHOICE Act of 2016 S. 1484 Financial Regulatory Improvement Act of 2015 - Fannie Mae & Freddie Mac credit risk retention H.R. 3556 - The Taxpayer Protections & Market Access for Mortgage Finance Act - legislation requiring the GSEs to increase credit risk transfers (CRT) with the private sector. H.R. 1 - The Tax Cuts and Jobs Act - pertaining to the mortgage insurance deduction Issue: Housing Finance Reform - to have private capital's role, specifically Mortgage Insurance, be an expanded and integral part of any reform. Issue: Housing Finance Reform proposals and previous legislative work on the Senate side including Corker Warner and Johnson Crapo Housing Reform proposals from previous Congresses.
Client expense: $403,989 · Firm income: Not reported
Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), SENATE, Treasury, Dept of, Vice President of the U.S.
2018 · second_quarter · Banking
Bills in the Senate: S. 708 Regulatory Improvement Act (Establishes in the legislative branch the Regulatory Improvement Commission.) S. 774 Financial Institutions Examination Fairness and Reform Act (Amends the Federal Financial Institutions Examination Council Act of 1978 to require a federal financial institutions regulatory agency to make a final examination report to a financial institution within 60 days of the later of: (1) the exit interview for an examination of the institution, or (2) the provision of additional information by the institution relating to the examination.) S. 1484 Financial Regulatory Improvement Act of 2015 (This bill amends the Gramm-Leach-Bliley Act to exempt from the requirement to provide consumers with an annual written disclosure of their privacy policy certain financial institutions that provide nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution.) S. 1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 (Bill amends the Truth in Lending Act, Gramm0Leach Bliley Act, FDI Act, FHLB Act, and the Securities Exchange Act) S. 1607 the Independent Agency Regulatory Analysis Act of 2015 (A bill to affirm the authority of the President to require independent regulatory agencies to comply with regulatory analysis requirements applicable to executive agencies, and for other purposes.) S. 1647 Developing a Reliable and Innovative Vision for the Economy Act (To amend title 23, United States Code, to authorize funds for Federal-aid highways and highway safety construction programs, and for other purposes.) S. 1773 Consumer Reporting Fairness Act of 2015 (To amend title 11, United States Code, to require creditors to inform consumer reporting agencies that certain debts have been discharged in bankruptcy cases.) S. 1818 Principled Rulemaking Act (This bill revises the federal agency rulemaking process to require a agencies to promulgate only rules (defined to exclude agency actions involving a military or foreign affairs function of the United States or a matter relating to agency management or personnel or to public property, loans, grants, benefits, or contracts) that are required by law, necessary to interpret a law, or made necessary by public need, to protect or improve the health and safety of the public, the environment, or the wellbeing of the people of the United States.) S. 1820 Early Participation in Regulations Act (he bill directs an agency, not later than 90 days before publishing a notice of proposed rule making for a major rule in the Federal Register, to publish advance notice of proposed rule making for such rule,) S. 1817 Smarter Regulations Through Advance Planning and Review Act ( This bill requires a federal agency, when publishing a proposed major rule and when publishing a final major rule, to include a framework for assessing the rule) S. 1958 Christopher Bryski Student Loan Protection Act (To establish additional protections and disclosures for students and co-signers with respect to student loans, and for other purposes.) S. 2038 Jumpstart GSE reform Act (prohibits the use of an increase in the guarantee fee required to be charged by the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), or any affiliate of such organizations (enterprises) to offset an increase in outlays or a reduction in revenues for any purposes other than those related to the enterprises' business functions) S. 2663 Reforming CFPB Indirect Auto Financing Guidance Act (This bill declares without force or effect Consumer Financial Protection Bureau (CFPB) Bulletin 2013-02 (Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act), published March 21, 2013.) S.J. Res. 19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) S. 552: Justice for Victims of Fraud Act (This bill amends the Truth in Lending Act and the Electronic Fund Transfer Act to prohibit predispute arbitration agreements with consumers (i.e., agreements to arbitrate any future disputes between parties instead of pursuing the claims in court) from being valid or enforceable in disputes related to credit card accounts or personal bank accounts that are not subject to a final judgment by a court if the credit card or bank account was not issued in response to a request or application for that account.) S. 537: Arbitration Fairness Act (This bill prohibits a predispute arbitration agreement from being valid or enforceable if it requires arbitration of an employment, consumer, antitrust, or civil rights dispute.) S. 550: Restoring Statutory Rights and Interests of the States Act (This bill amends the Federal Arbitration Act to invalidate arbitration agreements between parties in certain commercial contracts or transactions if they require arbitration of a claim for damages or injunctive relief brought by an individual or small business arising from the alleged violation of a federal or state statute, the U.S. Constitution, or a state constitution, unless the written agreement to arbitrate is entered into by both parties after the claim has arisen and pertains solely to an existing claim.) S. 553: Court Legal Access and Student Support (CLASS) Act (This bill makes procedures for the enforcement of arbitration agreements inapplicable to an enrollment agreement between a student and an institution of higher education (IHE).) S. 647: Mandatory Arbitration Transparency Act (This bill prohibits predispute arbitration agreements from containing a confidentiality clause regarding an employment, consumer, or civil rights dispute that could be interpreted to prohibit a party from: (1) making a communication in a manner such that the prohibition would violate a whistle-blower statute; or (2) reporting or making a communication about tortious conduct, unlawful conduct, or issues of public policy or public concern. ) S. 646: Justice for Servicemembers Act (This bill authorizes the Department of Justice (DOJ) to initiate an action for relief in a service member's employment or reemployment rights action with respect to: (1) a private or state employer, or (2) a state or private employer that is engaged in a pattern or practice to infringe upon such rights.) S.951 - Regulatory Accountability Act of 2017 (This bill codifies and revises notice-and-comment rulemaking procedures to require federal agencies to consider: (1) whether a rulemaking is required by statute or is within the discretion of the agency, (2) whether existing federal laws or rules could be amended or rescinded to address the problem, and (3) reasonable alternatives for a new rule.) S. 1642, Protecting Consumers Access to Credit Act of 2017 (This bill amends the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to state that bank loans that are valid when made as to their maximum rate of interest in accordance with federal law shall remain valid with respect to that rate regardless of whether a bank has subsequently sold or assigned the loan to a third party.0 S.J.Res.47 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 1659, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) S.2155, Economic Growth, Regulatory Relief, and Consumer Protection Act (bill aimed at rolling back financial regulations concerning banks and other financial institutions) S.J. Res. 57 A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act" Bills in the House: H.R. 4, makes revisions to Federal law to improve the conditions necessary for economic growth and job creation, and for other purposes. H.R. 37, makes technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, to enhance the ability of small and emerging growth companies to access capital through public and private markets, to reduce regulatory burdens, and for other purposes. H.R. 50, provides for additional safeguards with respect to imposing Federal mandates, and for other purposes. H.R. 113, improves the accountability and transparency of the Board of Governors of the Federal Reserve System, and for other purposes. H.R. 185, reforms the process by which Federal agencies analyze and formulate new regulations and guidance documents. H.R. 347, amends the Credit Repair Organizations Act to exempt certain consumer reporting agencies, and for other purposes. H.R. 367, amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 427, amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 527, amends chapter 6 of title 5, United States Code (commonly known as the Regulatory Flexibility Act), to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.R. 650, amends the Truth in Lending Act to modify the definitions of a mortgage originator and a high-cost mortgage. H.R. 685, amends the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. H.R. 766, provides requirements for the appropriate Federal banking agencies when requesting or ordering a depository institution to terminate a specific customer account, to provide for additional requirements related to subpoenas issued under the Financial Institutions Reform, Recovery, and Enforcement Act of 1989, and for other purposes. H.R. 899, provides for additional safeguards with respect to imposing Federal mandates, and for other purposes. H.R. 957, requires Senate confirmation of Inspector General of the Bureau of Consumer Financial Protection, and for other purposes. H.R. 1090, amends the Securities Exchange Act of 1934 to provide protections for retail customers, and for other purposes. H.R. 1195, amends the Consumer Financial Protection Act of 2010 to establish advisory boards, and for other purposes H.R. 1210, amends the Truth in Lending Act to provide a safe harbor from certain requirements related to qualified mortgages for residential mortgage loans held on an originating depository institution's portfolio, and for other purposes. H.R. 1259, provides for an application process for interested parties to apply for an area to be designated as a rural area, and for other purposes. H.R. 1261, amends the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes. H.R. 1264, provides an exemption from rules and regulations of the Bureau of Consumer Financial protection for community financial institutions, and for other purposes. H.R. 1265, applies the requirements of the Federal Advisory Committee Act to the Bureau of Consumer Financial Protection. H.R. 1266, amends the Consumer Financial Protection Act of 2010 to make the Bureau of Consumer Financial Protection an independent Financial Product Safety Commission, and for other purposes. H.R. 1413, terminates Operation Choke Point. H.R. 1493, imposes certain limitations on consent decrees and settlement agreements by agencies that require the agencies to take regulatory action in accordance with the terms thereof, and for other purposes. H.R. 1529, amends the Truth in Lending Act and the Real Estate Settlement Procedures Act of 1974 to modify the requirements for community financial institutions with respect to certain rules relating to mortgage loans, and for other purposes. H.R. 1553 amends the Federal Deposit Insurance Act to specify which smaller institutions may qualify for an 18-month examination cycle. H.R. 1660, amends the Home Owners' Loan Act to allow Federal savings associations to elect to operate as national banks, and for other purposes. H.R. 1737, nullifies certain guidance of the Bureau of Consumer Financial Protection and to provide requirements for guidance issued by the Bureau with respect to indirect auto lending. H.R. 1799, amends the Real Estate Settlement Procedures Act of 1974 to prohibit certain financial benefits for referrals of business and to improve the judicial relief for certain violations, and for other purposes. H.R. 1941, improves the examination of depository institutions, and for other purposes. H.R. 2213, provides for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029, makes appropriations for military construction, the Department of Veterans Affairs, and related agencies for the fiscal year ending September 30, 2016, and for other purposes. H.R. 2243, suspends the current compensation packages for the senior executives of Fannie Mae and Freddie Mac and establish compensation for such positions in accordance with rates of pay for senior employees in the Executive Branch of the Federal Government, and for other purposes. H.R. 2354, directs the Securities and Exchange Commission to review all its significant regulations to determine whether such regulations are necessary in the public interest or whether such regulations should be amended or rescinded. H.R. 4294, amends the Internal Revenue Code of 1986 to ensure that retirement investors receive advice in their best interests, and for other purposes. H.R. 2542 amends chapter 6 of title 5, United States Code (commonly known as the Regulatory Flexibility Act), to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.R. 2683, amends the Fair Credit Reporting Act to delay the inclusion in consumer credit reports and to establish requirements for debt collectors with respect to medical debt information of veterans due to inappropriate or delayed billing payments or reimbursements from the Department of Veterans Affairs, and for other purposes. H.R. 2577, makes appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2016, and for other purposes. H.R. 2804, amends title 5, United States Code, to require the Administrator of the Office of Information and Regulatory Affairs to publish information about rules on the Internet, and for other purposes. H.R. 3035, amends the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain positive consumer credit information to consumer reporting agencies, and for other purposes. H.R. 3189. amends the Federal Reserve Act to establish requirements for policy rules and blackout periods of the Federal Open Market Committee, to establish requirements for certain activities of the Board of Governors of the Federal Reserve System, and to amend title 31, United States Code, to reform the manner in which the Board of Governors of the Federal Reserve System is audited, and for other purposes. H.R. 3192, provides for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 3438, amends title 5, United States Code, to postpone the effective date of high-impact rules pending judicial review. H.R. 3634, establishes student loan borrowers' rights to basic consumer protections, reasonable and flexible repayment options, access to earned credentials, and effective loan cancellation in exchange for public service, and for other purposes. H.R. 4018, amends the Truth in Lending Act to establish deferred presentment transaction requirements, and for other purposes. H.R. 4293, amends the Employee Retirement Income Security Act of 1974 to ensure that retirement investors receive advice in their best interests, and for other purposes. H.R. 4439, amends the Revised Statutes, the Bank Service Company Act, the Federal Deposit Insurance Act, and the Home Owners' Loan Act to clarify that the role of the insured depository institution as lender and the location of an insured depository institution under applicable law are not affected by any contract between the institution and a third-party service provider, and to clarify that Federal preemption of State usury laws applies to any loan to which an insured depository institution is the party to which the debt is initially owed according to its terms, and for other purposes. H.R. 4550, amends the Fair Debt Collection Practices Act to exclude law firms and licensed attorneys who are engaged in activities related to legal proceedings from the definition of a debt collector, to amend the Consumer Financial Protection Act of 2010 to prevent the Bureau of Consumer Financial Protection from exercising supervisory or enforcement authority with respect to attorneys when undertaking certain actions related to legal proceedings, and for other purposes. H.R. 4648, delays the effective date of certain regulations relating to home mortgage disclosures, to suspend certain data sharing requirements, and for other purposes. H.R. 4725, amends the Federal Deposit Insurance Act to require short form call reports for certain depository institutions. H.R. 4768, amends title 5, United States Code, to clarify the nature of judicial review of agency interpretations of statutory and regulatory provisions. H.R. 4986, amends certain banking statutes in response to Operation Choke Point. H.R. 5143, provides greater transparency and congressional oversight of international insurance standards setting processes, and for other purposes. H.R. 5485, makes appropriations for financial services and general government for the fiscal year ending September 30, 2017, and for other purposes. H.R. 5982, amends chapter 8 of title 5, United States Code, to provide for en bloc consideration in resolutions of disapproval for "midnight rules", and for other purposes. Fiscal Year 2016 spending bills for the Department of Justice (CJS) Makes appropriations for the Departments of Commerce and Justice, Science, and Related Agencies for the fiscal year ending September 30, 2016, and for other purposes. Fiscal Year 2016 spending bills for the Department of Housing and Urban Development (THUD), Bill will fund critical infrastructure and safety programs, provide responsible levels of funding for low-income housing Fiscal Year 2017 Commerce, Justice, Science Funding Bill, Bill targets funding to law enforcement and national security efforts, economic development, and fundamental research activities H.R. 21 -Midnight Rules Relief Act of 2017, amends chapter 8 of title 5, United States Code, to provide for en bloc consideration in resolutions of disapproval for "midnight rules", and for other purposes. H.R. 26 -Executive Need of Scrutiny Act of 2017 (REINS Act), amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 5 -Regulatory Accountability Act of 2017 (RAA), reforms the process by which Federal agencies analyze and formulate new regulations and guidance documents, to clarify the nature of judicial review of agency interpretations, to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.J. Res. 73 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) H.R. 1424, amends the Truth in Lending Act and the Electronic Fund Transfer Act to provide justice to victims of fraud. H.R. 1374, amends title 9 of the United States Code with respect to arbitration. H.R. 1396, restores statutory rights to the people of the United States from forced arbitration. H.R. 985, amends the procedures used in Federal court class actions and multidistrict litigation proceedings to assure fairer, more efficient outcomes for claimants and defendants, and for other purposes. H.R. 585, amends the Securities Exchange Act of 1934 to prohibit mandatory pre-dispute arbitration agreements, and for other purposes. H.R. 864, (Rep. Love), amends the Fair Debt Collection Practices Act to restrict the debt collection practices of certain debt collectors H.R. 924, (Rep. Rothfus), amends the Federal Financial Institutions Examination Council Act of 1978 to establish a three-judge independent examination review panel. H.R. 1457, (Rep. Tipton), the Making Online Banking Initiation Legal and Easy Act of 2017 (To establish requirements for use of a driver's license or personal identification card by certain financial institutions for opening an account or obtaining a financial product or service, and for other purposes.) H.R. 2133, (Rep. Luetkemeyer), the Community Lending Enhancement and Regulatory Relief Act of 2017 (CLEARR act) (To provide regulatory relief to community financial institutions, and for other purposes.) H.R. 2226, (Rep. Barr), the Portfolio Lending and Mortgage Access Act ( This bill amends the Truth in Lending Act to allow a depository institution or credit union with assets below a specified threshold to forgo certain ability-to-pay requirements regarding residential mortgage loans) H.R. 2396, (Rep. Trott), the Privacy Notification Technical Correction Act (Bill amends section 503 of the Gramm-Leach Bliley Act. H.R. 3221, (Rep. Kustoff), the Access to Affordable Mortgages Act of 2017 (Sec. 2) This bill amends the Truth in Lending Act and the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 to exempt from property appraisal requirements a mortgage loan of $250,000 or less if it appears on the loan creditor's balance sheet for at least three years.) H.R. ____, (Rep. Hollingsworth), the Ensuring Quality Unbiased Access to Loans Act of 2017 (To nullify certain guidance on deposit advance products and to amend the Federal Deposit Insurance Act to provide the appropriate Federal banking agencies with additional requirements when issuing such guidance, and for other purposes.) H.R. ____, (Rep. Tenney), to simplify the process for national banks to obtain deposit insurance, and for other purposes. House Appropriations Financial Services and General Government Financial Services Bill H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 (This bill requires federal financial regulatory agencies to: (1) tailor any regulatory actions so as to limit burdens on the institutions involved, with consideration of the risk profiles and business models of those institutions; and (2) report to Congress on specific actions taken to do so, as well as on other related issues. The bill's tailoring requirement applies not only to future regulatory actions but also to regulations adopted within the last seven years.) H.R. 1699, Preserving Access to Manufactured Housing Act of 2017 (This bill amends the Truth in Lending Act (TILA) to specify that a retailer of manufactured housing is generally not a "mortgage originator" subject to requirements under that Act. Similarly, the bill amends the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 to specify that such a retailer is generally not a "loan originator" subject to requirements under that Act.) H.R. 2954, Home Mortgage Disclosure Adjustment Act (This bill amends the Home Mortgage Disclosure Act of 1975 to exempt a depository institution from certain records and disclosure requirements related to the itemization of loan data: (1) with respect to closed-end mortgage loans, if the depository institution originated fewer than 500 such loans in each of the two preceding years; and (2) with respect to open-end lines of credit, if the depository institu
Client expense: $110,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office
2018 · first_quarter · Housing
H.R. 5983 Financial CHOICE Act of 2016 S. 1484 Financial Regulatory Improvement Act of 2015 - Fannie Mae & Freddie Mac credit risk retention H.R. 3556 - The Taxpayer Protections & Market Access for Mortgage Finance Act - legislation requiring the GSEs to increase credit risk transfers (CRT) with the private sector. H.R. 1 - The Tax Cuts and Jobs Act - pertaining to the mortgage insurance deduction. Issue: Housing Finance Reform - to have private capital's role, specifically Mortgage Insurance, be an expanded and integral part of any reform. Issue: Housing Finance Reform proposals and previous legislative work on the Senate side including Corker Warner and Johnson Crapo Housing Reform proposals from previous Congresses.
Client expense: $623,916 · Firm income: Not reported
Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), SENATE, Treasury, Dept of, Vice President of the U.S.
2018 · first_quarter · Financial Institutions/Investments/Securities
Federal Reserve Proposed Rule on FRB, Enhanced Prudential Standards and Early Remediation Requirements for Covered Companies (77 Fed. Reg. 594, Jan. 5, 2012) The Volcker Rule S. 1484, Financial Regulatory Improvement Act of 2015 General Fixed Income Market Structure General Equity Market Structure H.R. 3312, Systemic Risk Designation Improvement Act of 2017 H.R. 10, Financial CHOICE Act of 2017 General Dodd-Frank Act Title VII Reforms S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act H.R. 4239, Stress Test Improvement Act of 2017 H.R. 4790, Volcker Rule Regulatory Harmonization Act FY18 and FY17 Financial Services and General Government (FSGG) appropriations bills
Client expense: $270,000 · Firm income: Not reported
Government targets: Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of
2018 · first_quarter · Banking
Bills in the Senate: S. 708 Regulatory Improvement Act S. 774 Financial Institutions Examination Fairness and Reform Act S. 1484 Financial Regulatory Improvement Act of 2015 S. 1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 S. 1607 the Independent Agency Regulatory Analysis Act of 2015 S. 1647 Developing a Reliable and Innovative Vision for the Economy Act S. 1773 Consumer Reporting Fairness Act of 2015 S. 1818 Principled Rulemaking Act S. 1820 Early Participation in Regulations Act S. 1817 Smarter Regulations Through Advance Planning and Review Act S. 1958 Christopher Bryski Student Loan Protection Act S. 2038 Jumpstart GSE reform Act S. 2050 Private Education Loan Refinancing Act S. 2387 Commerce, Justice, Science, and Related Agencies Appropriations Act, FY2017 Senate Appropriations on Financial Services and General Government appropriations bill FY2017 S. 2663 Reforming CFPB Indirect Auto Financing Guidance Act S.J. Res. 19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) S. 552: Justice for Victims of Fraud Act S. 537: Arbitration Fairness Act S. 550: Restoring Statutory Rights and Interests of the States Act S. 553: Court Legal Access and Student Support (CLASS) Act S. 647: Mandatory Arbitration Transparency Act S. 646: Justice for Servicemembers Act S.951 - Regulatory Accountability Act of 2017 S. 1642, Protecting Consumers Access to Credit Act of 2017 S.J.Res.47 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 1659, the Protecting Consumers from Unreasonable Credit Rates Act S.2155, Economic Growth, Regulatory Relief, and Consumer Protection Act S.J.Res. 56 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Payday, Vehicle, Title, and Certain High-Cost Installment Loans (Payday CRA) S.J.Res. 57 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act (Auto CRA) Bills in the House: H.R. 4 Jobs for America Act H.R. 37 Promoting Job Creation and Reducing Small Business Burdens Act H.R. 50 Unfunded Mandates Information and Transparency Act of 2015 H.R. 113 Federal Reserve Accountability and Transparency Act of 2015 H.R. 185 The Regulatory Accountability Act H.R. 347 Facilitating Access to Credit Act H.R. 367 Regulations from the Executive in Need of Scrutiny (REINS) Act H.R. 427 Regulations from the Executive in Need of Scrutiny Act of 2015 H.R. 527 Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 650 Preserving Access to Manufactured Housing Act of 2015 H.R. 685 Mortgage Choice Act of 2015 H.R. 766 Financial Institution Customer Protection Act of 2015 H.R. 899 Unfunded Mandates Information and Transparency Act H.R. 957 CFPB IG act of 2015 H.R. 1090 Retail Investor Protection Act H.R. 1195 Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1259 Helping Expand Lending Practices in Rural Communities Act H.R. 1261 Bureau of Consumer Financial Protection Accountability Act of 2015 H.R. 1264, Community Financial Institution Exemption Act H.R. 1265 Bureau Advisory Commission Transparency Act H.R. 1266 Financial Product Safety Commission Act of 2015 H.R. 1413 Firearms Manufacturers and Dealers Protection Act of 2015 H.R. 1493 Sunshine for Regulatory Decrees and Settlements Act H.R. 1529 the Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act of 2015 H.R. 1660 Federal Saving Association Charter Flexibility Act of 2015 H.R. 1737 Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1799 Ensure Fair Prices in Title Insurance Act H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 2213 To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029 and related amendments Consolidated Appropriations Act of 2016 H.R. 2243 Equity in Government Compensation Act of 201 H.R. 2354 Streamlining Excessive and Costly Regulations Review Act H.R. 4294 -SAVERS Act of 2015 H.R. 2542 Regulatory Flexibility Improvements Act H.R. 2683, the Protecting Veterans Credit Act of 2017 H.R. 2577 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2016 H.R. 2804 Achieving Less Excess in Regulation and Requiring Transparency (ALERRT) Act (H.R. 2804). H.R. 3035 Credit Access and Inclusion Act H.R. 3189 FORM Act of 2015 H.R. 3192 Homebuyers Assistance Act H.R. 3438 REVIEW Act H.R. 3634 Student Loan Debt Protection Act H.R. 4018 Consumer Protection and Choice Act H.R. 4293 Affordable Retirement Advice Protection Act H.R. 4439 Modernizing Credit Opportunities Act H.R. 4550, the Practice of Law Technical Clarification Act H.R. 4648, the Home Mortgage Reporting Relief Act of 2017 H.R. 4725, the Community Bank Reporting Relief Act H.R. 4768 The Separation of Powers Restoration Act, 2016 H.R. 4986 End Operation Choke Point Act of 2014 H.R. 5143 The International Insurance Standards Act H.R. 5485 The "Financial Services and General Government Appropriations Act, 2017 H.R. 5982 Midnight Rules Relief Act of 2016 Fiscal Year 2016 spending bills for the Department of Justice (CJS) and the Department of Housing and Urban Development (THUD) Fiscal Year 2017 Commerce, Justice, Science Funding Bill H.R. 21 -Midnight Rules Relief Act of 2017 H.R. 26 -Executive Need of Scrutiny Act of 2017 (REINS Act) H.R. 5 -Regulatory Accountability Act of 2017 (RAA) H.J. Res. 73 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) H.R. 1424: Justice for Victims of Fraud Act H.R. 1374: Arbitration Fairness Act H.R. 1396: Restoring Statutory Rights and Interests of the States Act H.R. 985: The Fairness in Class Action Litigation Act of 2017 H.R. 585: Investor Choice Act of 2017 H.R. 864, (Rep. Love), the Stop Debt Collection Abuse Act of 2017 H.R. 924, (Rep. Rothfus), the Financial Institutions Due Process Act of 2017 H.R. 1457, (Rep. Tipton), the Making Online Banking Initiation Legal and Easy Act of 2017 H.R. 2133, (Rep. Luetkemeyer), the Community Lending Enhancement and Regulatory Relief Act of 2017 (CLEARR act) H.R. 2148, (Rep. Pittenger), the Clarifying Commercial Real Estate Loans H.R. 2226, (Rep. Barr), the Portfolio Lending and Mortgage Access Act H.R. 2396, (Rep. Trott), the Privacy Notification Technical Correction Act H.R. 3221, (Rep. Kustoff), the Access to Affordable Mortgages Act of 2017 H.R. ____, (Rep. Hollingsworth), the Ensuring Quality Unbiased Access to Loans Act of 2017 H.R. ____, (Rep. Tenney), to simplify the process for national banks to obtain deposit insurance, and for other purposes. House Appropriations Financial Services and General Government Financial Services Bill H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 H.R. 1699, Preserving Access to Manufactured Housing Act of 2017 H.R. 2954, Home Mortgage Disclosure Adjustment Act H.R. 3299, Protecting Consumers Access to Credit Act of 2017 H.R. 3791, Community Institution Mortgage Relief Act of 2017 H.J.Res.111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" H.R. 3760, the Protecting Consumers from Unreasonable Credit Rates Act H.R. 1153, the Mortgage Choice Act H.R. 3978, the TRID Improvement Act H.J.Res. 122 Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Payday, Vehicle Title, and Certain High-Cost Installment Loans". Under Discussion: A bill to reform Government-Sponsored Enterprises (GSE Reform) A bill to provide consumer protections for overdraft fees A bill to provide consumer protections in auto lending Amendments and riders to appropriations bills House Bill re: Non-profit CDFI Depository Bank Expansion House Bill, Chairman Hensarling discussion draft, The Financial Choice Act House Bill, Rep. Pearce Seller Finance and Balloon Loans Senate and House - Updates to the Stopping Abuse and Fraud in Electronic (SAFE) Lending Act Senate and House -Updates to the Secure and Fair Enforcement for Mortgage Licensing Act (also SAFE act) Senate - Senator Durbins usury rate cap bill (unintroduced at this time)
Client expense: $70,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office
2017 · fourth_quarter · Banking
Bills in the Senate: S. 708 Regulatory Improvement Act S. 774 Financial Institutions Examination Fairness and Reform Act S. 1484 Financial Regulatory Improvement Act of 2015 S. 1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 S. 1607 the Independent Agency Regulatory Analysis Act of 2015 S. 1647 Developing a Reliable and Innovative Vision for the Economy Act S. 1773 Consumer Reporting Fairness Act of 2015 S. 1818 Principled Rulemaking Act S. 1820 Early Participation in Regulations Act S. 1817 Smarter Regulations Through Advance Planning and Review Act S. 1958 Christopher Bryski Student Loan Protection Act S. 2038 Jumpstart GSE reform Act S. 2050 Private Education Loan Refinancing Act S. 2387 Commerce, Justice, Science, and Related Agencies Appropriations Act, FY2017 Senate Appropriations on Financial Services and General Government appropriations bill FY2017 S. 2663 Reforming CFPB Indirect Auto Financing Guidance Act S.J. Res. 19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) S. 552: Justice for Victims of Fraud Act S. 537: Arbitration Fairness Act S. 550: Restoring Statutory Rights and Interests of the States Act S. 553: Court Legal Access and Student Support (CLASS) Act S. 647: Mandatory Arbitration Transparency Act S. 646: Justice for Servicemembers Act S.951 - Regulatory Accountability Act of 2017 S. 1642, Protecting Consumers Access to Credit Act of 2017 S.J.Res.47 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 1659, the Protecting Consumers from Unreasonable Credit Rates Act S.2155, Economic Growth, Regulatory Relief, and Consumer Protection Act Bills in the House: H.R. 4 Jobs for America Act H.R. 37 Promoting Job Creation and Reducing Small Business Burdens Act H.R. 50 Unfunded Mandates Information and Transparency Act of 2015 H.R. 113 Federal Reserve Accountability and Transparency Act of 2015 H.R. 185 The Regulatory Accountability Act H.R. 347 Facilitating Access to Credit Act H.R. 367 Regulations from the Executive in Need of Scrutiny (REINS) Act H.R. 427 Regulations from the Executive in Need of Scrutiny Act of 2015 H.R. 527 Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 650 Preserving Access to Manufactured Housing Act of 2015 H.R. 685 Mortgage Choice Act of 2015 H.R. 766 Financial Institution Customer Protection Act of 2015 H.R. 899 Unfunded Mandates Information and Transparency Act H.R. 957 CFPB IG act of 2015 H.R. 1090 Retail Investor Protection Act H.R. 1195 Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1259 Helping Expand Lending Practices in Rural Communities Act H.R. 1261 Bureau of Consumer Financial Protection Accountability Act of 2015 H.R. 1264, Community Financial Institution Exemption Act H.R. 1265 Bureau Advisory Commission Transparency Act H.R. 1266 Financial Product Safety Commission Act of 2015 H.R. 1413 Firearms Manufacturers and Dealers Protection Act of 2015 H.R. 1493 Sunshine for Regulatory Decrees and Settlements Act H.R. 1529 the Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act of 2015 H.R. 1660 Federal Saving Association Charter Flexibility Act of 2015 H.R. 1737 Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1799 Ensure Fair Prices in Title Insurance Act H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 2213 To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029 and related amendments Consolidated Appropriations Act of 2016 H.R. 2243 Equity in Government Compensation Act of 201 H.R. 2354 Streamlining Excessive and Costly Regulations Review Act H.R. 4294 -SAVERS Act of 2015 H.R. 2542 Regulatory Flexibility Improvements Act H.R. 2683, the Protecting Veterans Credit Act of 2017 H.R. 2577 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2016 H.R. 2804 Achieving Less Excess in Regulation and Requiring Transparency (ALERRT) Act (H.R. 2804). H.R. 3035 Credit Access and Inclusion Act H.R. 3189 FORM Act of 2015 H.R. 3192 Homebuyers Assistance Act H.R. 3438 REVIEW Act H.R. 3634 Student Loan Debt Protection Act H.R. 4018 Consumer Protection and Choice Act H.R. 4293 Affordable Retirement Advice Protection Act H.R. 4550, the Practice of Law Technical Clarification Act H.R. 4648, the Home Mortgage Reporting Relief Act of 2017 H.R. 4725, the Community Bank Reporting Relief Act H.R. 4768 The Separation of Powers Restoration Act, 2016 H.R. 4986 End Operation Choke Point Act of 2014 H.R. 5143 The International Insurance Standards Act H.R. 5485 The "Financial Services and General Government Appropriations Act, 2017 H.R. 5982 Midnight Rules Relief Act of 2016 Fiscal Year 2016 spending bills for the Department of Justice (CJS) and the Department of Housing and Urban Development (THUD) Fiscal Year 2017 Commerce, Justice, Science Funding Bill H.R. 21 -Midnight Rules Relief Act of 2017 H.R. 26 -Executive Need of Scrutiny Act of 2017 (REINS Act) H.R. 5 -Regulatory Accountability Act of 2017 (RAA) H.J. Res. 73 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) H.R. 1424: Justice for Victims of Fraud Act H.R. 1374: Arbitration Fairness Act H.R. 1396: Restoring Statutory Rights and Interests of the States Act H.R. 985: The Fairness in Class Action Litigation Act of 2017 H.R. 585: Investor Choice Act of 2017 H.R. 864, (Rep. Love), the Stop Debt Collection Abuse Act of 2017 H.R. 924, (Rep. Rothfus), the Financial Institutions Due Process Act of 2017 H.R. 1457, (Rep. Tipton), the Making Online Banking Initiation Legal and Easy Act of 2017 H.R. 2133, (Rep. Luetkemeyer), the Community Lending Enhancement and Regulatory Relief Act of 2017 (CLEARR act) H.R. 2148, (Rep. Pittenger), the Clarifying Commercial Real Estate Loans H.R. 2226, (Rep. Barr), the Portfolio Lending and Mortgage Access Act H.R. 2396, (Rep. Trott), the Privacy Notification Technical Correction Act H.R. 3221, (Rep. Kustoff), the Access to Affordable Mortgages Act of 2017 H.R. ____, (Rep. Hollingsworth), the Ensuring Quality Unbiased Access to Loans Act of 2017 H.R. ____, (Rep. Tenney), to simplify the process for national banks to obtain deposit insurance, and for other purposes. House Appropriations Financial Services and General Government Financial Services Bill H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 H.R. 1699, Preserving Access to Manufactured Housing Act of 2017 H.R. 2954, Home Mortgage Disclosure Adjustment Act H.R. 3299, Protecting Consumers Access to Credit Act of 2017 H.R. 3791, Community Institution Mortgage Relief Act of 2017 H.J.Res.111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" H.R. 3760, the Protecting Consumers from Unreasonable Credit Rates Act H.R. 1153, the Mortgage Choice Act H.R. 3978, the TRID Improvement Act H.J.Res. 122 Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Payday, Vehicle Title, and Certain High-Cost Installment Loans". Under Discussion: A bill to reform Government-Sponsored Enterprises (GSE Reform) A bill to provide consumer protections for overdraft fees A bill to provide consumer protections in auto lending Amendments and riders to appropriations bills House Bill re: Non-profit CDFI Depository Bank Expansion House Bill, Chairman Hensarling discussion draft, The Financial Choice Act House Bill, Rep. Pearce Seller Finance and Balloon Loans Senate and House - Updates to the Stopping Abuse and Fraud in Electronic (SAFE) Lending Act Senate and House -Updates to the Secure and Fair Enforcement for Mortgage Licensing Act (also SAFE act) Senate - Senator Durbins usury rate cap bill (unintroduced at this time)
Client expense: $70,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office
2017 · fourth_quarter · Housing
H.R.685, The Mortgage Choice Act; S.1484, The Financial Regulatory Improvement Act; Dodd-Frank corrections including qualified mortgage rule and CFPB matters; and general debate regarding GSE reform.
Client expense: Not reported · Firm income: $30,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2017 · fourth_quarter · Housing
H.R. 5983 Financial CHOICE Act of 2016 S. 1484 Financial Regulatory Improvement Act of 2015 - Fannie Mae & Freddie Mac credit risk retention H.R. 3556 - The Taxpayer Protections & Market Access for Mortgage Finance Act - legislation requiring the GSEs to increase credit risk transfers (CRT) with the private sector. H.R. 1 - The Tax Cuts and Jobs Act - pertaining to the mortgage insurance deduction. Issue: Housing Finance Reform - to have private capital's role, specifically Mortgage Insurance, be an expanded and integral part of any reform. Issue: Housing Finance Reform proposals and previous legislative work on the Senate side including Corker Warner and Johnson Crapo Housing Reform proposals from previous Congresses.
Client expense: $649,511 · Firm income: Not reported
Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), SENATE, Treasury, Dept of, Vice President of the U.S.
2017 · fourth_quarter · Financial Institutions/Investments/Securities
Federal Reserve Proposed Rule on FRB, Enhanced Prudential Standards and Early Remediation Requirements for Covered Companies (77 Fed. Reg. 594, Jan. 5, 2012) The Volcker Rule S. 1484, Financial Regulatory Improvement Act of 2015 General Fixed Income Market Structure General Equity Market Structure H.R. 3312, Systemic Risk Designation Improvement Act of 2017 H.R. 10, Financial CHOICE Act of 2017 General Dodd-Frank Act Title VII Reforms S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act
Client expense: $260,000 · Firm income: Not reported
Government targets: Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of
2017 · fourth_quarter · Housing
H.R. 685, The Mortgage Choice Act; issues under the jurisdiction of the US House Appropriations Subcommittee on Financial Services and General Government, S. 1484, The Financial Regulatory Improvement Act of 2015; S. 1910, FY2016 Financial Services and General Government Appropriations Bill; General Dodd-Frank corrections, including qualified mortgage rule and CFPB matters; General GSE reform; FHA and VA residential; HUD FHA Home Equity Conversion Program (HECM); General FHFA issues; oversight of federal housing policy; the Financial Choice Act draft
Client expense: $200,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office
2017 · fourth_quarter · Insurance
S 1770/S.177- Data Security and Breach Notification Act of 2015 - would replace a patchwork of state data security breach notification laws with a national standard HR 1704- Personal Data Notification & Protection Act of 2015- Establishes a national 30-day notification standard of a breach. Criminalizes illicit overseas trade in identities (No bill number yet)-Carper-Blunt Data Security Act of 2015- Sets a national standard for notification (preempting state laws) and gives the FTC authority to enforce (unless enforced by the SEC or FDIC) Public Law 114-1- Terrorism Risk Insurance Reauthorization Act of 2015 - Extended the termination date of the Terrorism Insurance Program established under the Terrorism Risk Insurance Act of 2002, and for other purposes Public Law 113-279 - Insurance Capital Standards Clarification Act of 2014 - A bill to clarify the application of certain leverage and risk-based requirements under Dodd Frank Wall Street Reform and Consumer Protection Act S.1484- Financial Regulatory Improvement Act of 2015 HR 4460 - Disaster Recovery Reform Act - To improve the provision of disaster and mitigation assistance to eligible individuals and households and to eligible State, local, Tribal, and territorial governments and certain private nonprofit organizations, and for other purposes HR 4667 - Making further supplemental appropriations for the fiscal year ending September 30, 2018, for disaster assistance for Hurricanes Harvey, Irma, and Maria, and calendar year 2017 wildfires, and for other purposes HR 985- Fairness in Class Action Litigation and Furthering Asbestos Claim Transparency Act of 2017 - to amend the procedures used in Federal court class actions and multidistrict proceedings to assure fairer, more efficient outcomes for claimants and defendants, and for other purposes HR 906 - Furthering Asbestos Claim Transparency (FACT) Act of 2017 - to amend title 11 of the United states Code to require the public disclosure by trusts established under section 524(g) of such title, of quarterly reports that contain detailed information regarding the receipt and disposition of claims for injuries based on exposure to asbestos, and for other purposes Public Law 114-113- Consolidated Appropriations Act of 2016-specifically the Cybersecurity Act of 2015 included in the law FAA Small Unmanned Aircraft Rule Part 107 Yet to be published FAA rules on small unmanned aircraft flight over people and flight beyond line of sight Yet to be introduced infrastructure package "Dodd Frank Act Implementation and Amendments" HR 5983- Financial CHOICE Act of 2016- Implements a number of changes to the 2010 Dodd Frank law, including changes to the Federal Insurance Office, the FSOC Independent Member with Insurance Expertise, and the authorities of the Financial Stability Oversight Council. The legislation also establishes new notice, consultation, and reporting requirements for federal prudential regulators participating in the development of international financial standards S 1157-PATCH Act of 2017 - A bill to establish the Vulnerability Equities Review Board, and for other purposes HB 2481-PATCH Act of 2017- To establish the Vulnerability Equities Review Board, and for other purposes HR 2997- 21st Century AIRR Act- To transfer operation of air traffic services currently provided by the Federal Aviation Administration to a separate not-for-profit corporate entity, to reauthorize programs of the Federal Aviation Administration, and for other purposes S 1405-Federal Aviation Administration Reauthorization Act of 2017 - A bill to amend title 49, United States Code, to authorize appropriations for the Federal Aviation Administration, and for other purposes Amendment to HR 2997 offered by Mr. Lewis of Minnesota - to provide parameters for private airspace as related to drone activity S 1272- Drone Federalism Act of 2017 - A bill to preserve State, Local, and tribal authorities and private property rights with respect to unmanned aircraft systems, and for other purposes HR 2930- Drone Innovation Act of 2017 - To develop a civil unmanned aircraft policy framework, a pilot program, and for other purposes Amendment to HR 4441 offered by Mr. Curbelo - Not later than 60 days after the date of enactment of this Act, the Secretary of Transportation and the Secretary of Homeland Security shall issue or revise regulations and coordinate with other appropriate Federal agencies, to ensure that a provider of property or casualty insurance may utilize, in a safe manner, an unmanned aircraft system in a disaster-impacted area, for the purpose of conducting insurance-related activities, including assessment activities, and for expediting repairs and the payment of claims HR 2874, the 21st Century Flood Reform Act- To achieve reforms to improve the financial stability of the National Flood Insurance Program, to enhance the development of more accurate estimates of flood risk through new technology and better maps, to increase the role of private markets in the management of flood insurance risks and to provide alternate methods to insure against flood peril, and for other purposes HR 2868- The National Flood Insurance Program Policyholder Protection Act of 2017 - To protect National Flood Insurance Program policyholders from unreasonable premium rates and to require the Program to consider the unique characteristics of urban properties, and for other purposes HR 1558- The Repeatedly Flooded Communities Preparation Act - To amend the National Flood Insurance Act of 1968 to ensure community accountability for a areas repetitively damaged by floods, and for other purposes HR - 1422 - The Flood Insurance Market Parity and Modernization Act - To amend the Flood Disaster Protection Act of 1973 to require that certain buildings and personal property be covered by flood insurance, and for other purposes HR 2875 - The National Flood Insurance Program Administrative Reform Act of 2017 - 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 HR 2565 - To require the use of replacement cost value in determining the premium rates for flood insurance coverage under the National Flood Insurance Act, and for other purposes HR 2246 - The Taxpayer Exposure Mitigation Act of 2017 - To repeal the mandatory flood insurance coverage requirement for commercial properties located in flood hazard areas and to provide for greater transfer of risk under the National Flood Insurance Program to private capital and reinsurance markets, and for other purposes S 1368 - Sustainable, Affordable, Fair, and Efficient (SAFE) National Flood Insurance Program Reauthorization Act of 2017 - A bill to reauthorize the National Flood Insurance Program, and for other purposes HR 1879/S 812 PARTS Act - To amend Title 35, United States Code, to provide for an exception from infringement for certain component parts of motor vehicles Self-Drive Act - HR 3388 - To amend title 49, United States Code, regarding the authority of the National Highway Traffic Safety Administration over highly automated vehicles, to provide safety measures for such vehicles, and for other purposes AV-START - S.185 - A bill to support the development of highly automated vehicle safety technologies,and for other purposes Discussion draft - To preserve State, local, and other tribal authorities and private property rights with respect to unmanned aircraft systems, and for other purposes Discussion Drafts: LEAD'R Act - Prohibits states or political subdivisions of a State from regulating the design, construction, mechanical systems, software systems, or communications systems of highly automated vehicles and highly automated vehicle equipment. Does not prohibit a State or political subdivision from regulating registration or licensing, (liability) driving education and training, insurance, or traffic laws PAVE Act - Expands the number of vehicles the Secretary of Transportation is permitted to exempt from a Federal Motor vehicle Safety Standard (FMVSS) from 2,500 to100,000 ROAD Act - Expands the number of years that a manufacturer can maintain a FMVSS exemption (and request a renewal for an exemption) from 2 years to 5 years EXEMPT Act - Authorizes vehicle manufacturers to obtain a FMVSS exemption in order to promote the public adoption and acceptance of facilitate meaningful commercial deployment of a new vehicle technology, and to promote transportation access for the disability community,that would provide an overall safety level at least equal to the overall safety level of nonexempt vehicles MORE Act - Extends the authority created in the FAST Act test vehicles not in compliance with FMVSS to equipment manufacturers, suppliers, universities, and new market entrants INFORM Act - Directs the National Highway and Traffic Safety Administration (NHTSA) to notify the appropriate state authority when a highly automated vehicle is exempted from FMVSS Disability Mobility Advisory Council Act-Directs the Secretary of Transportation to establish a Federal Advisory Committee to undertake information gathering activities, develop technical advice, and present recommendations to the Secretary regarding advancing mobility access for the disabled community with respect to the deployment of highly automated vehicles Improving Mobility Access for Underserved Populations and Senior Citizens Advisory Council Act-Directs the Secretary of Transportation to establish a Federal Advisory Committee to undertake information gathering activities, develop technical advice, and present recommendations to the Secretary on how to advance mobility access for seniors and populations underserved by traditional public transportation services with respect to the testing and deployment of highly automated vehicles Automated Driving System Cybersecurity Advisory Council Act-Directs the Secretary of Transportation to establish a Federal Advisory Committee to undertake information gathering activities, develop technical advice, and present recommendations to the Secretary regarding cybersecurity for the testing, deployment, and updating of automated driving systems with respect to supply chain risk management, interactions with ISACs and ISAOs, and a framework for identifying and implementing recalls SHARES Act-Directs the Secretary of Transportation to establish a Federal Advisory Committee within the NHTSA to develop a framework that allows for the sharing of relevant, situational information among highly automated vehicle manufacturers in a manner that does not risk the public dissemination or sharing of confidential business information HAV PROMPT Act-Establishes that the Secretary may not institute a pre-market approval or pre-certification process for highly automated vehicles GUARD Act-Requires that certain information submitted to NHTSA by highly automated vehicle manufacturers or highly automated vehicle equipment manufacturers be treated as confidential business information MEMO Act-Directs the Federal Trade Commission (FTC) and NHTSA to develop a Memorandum of Understanding (MOU) regarding the agencies' oversight of highly automated vehicle privacy and cybersecurity DECAL Act-Directs manufacturers to include a description of the level of driving automation for any highly automated vehicle on the Monroney label
Client expense: $1,040,000 · Firm income: Not reported
Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Postal Service (USPS)
2017 · third_quarter · Financial Institutions/Investments/Securities
Federal Reserve Proposed Rule on FRB, Enhanced Prudential Standards and Early Remediation Requirements for Covered Companies (77 Fed. Reg. 594, Jan. 5, 2012) The Volcker Rule S. 1484, Financial Regulatory Improvement Act of 2015 General Fixed Income Market Structure General Equity Market Structure H.R. 3312, Systemic Risk Designation Improvement Act of 2017 H.R. 10, Financial CHOICE Act of 2017 General FinTech (financial technology) General Dodd-Frank Act Title VII Reforms
Client expense: $320,000 · Firm income: Not reported
Government targets: Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of
2017 · second_quarter · Financial Institutions/Investments/Securities
Federal Reserve Proposed Rule on FRB, Enhanced Prudential Standards and Early Remediation Requirements for Covered Companies (77 Fed. Reg. 594, Jan. 5, 2012) The Volcker Rule Securities and Exchange Commission Customer Protection Rule, Rule 15c3-3 S. 1484, Financial Regulatory Improvement Act of 2015 General Fixed Income Market Structure General Equity Market Structure H.R. 1309, Systemic Risk Designation Improvement Act of 2015 H.R. 5983, Financial CHOICE Act of 2016 General FinTech (financial technology) House Agriculture Committee FY18 Appropriations
Client expense: $330,000 · Firm income: Not reported
Government targets: Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of
2017 · third_quarter · Housing
H.R. 5983 Financial CHOICE Act of 2016 S. 1484 Financial Regulatory Improvement Act of 2015 - Fannie Mae & Freddie Mac credit risk retention H.R. 3556 - The Taxpayer Protections & Market Access for Mortgage Finance Act - legislation requiring the GSEs to increase credit risk transfers (CRT) with the private sector. Issue: Housing Finance Reform - to have private capital's role, specifically Mortgage Insurance, be an expanded and integral part of any reform. Issue: Housing Finance Reform proposals and previous legislative work on the Senate side including Corker Warner and Johnson Crapo Housing Reform proposals from previous Congresses.
Client expense: $734,509 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), SENATE, Treasury, Dept of
2017 · third_quarter · Housing
H.R.685, The Mortgage Choice Act; S.1484, The Financial Regulatory Improvement Act of 2015; Dodd-Frank corrections including the qualified mortgage rule and CFPB matters; general debate regarding GSE reform; and issues surrounding housing blight properties.
Client expense: Not reported · Firm income: $20,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2017 · third_quarter · Banking
Bills in the Senate: S. 708 Regulatory Improvement Act S. 774 Financial Institutions Examination Fairness and Reform Act S. 1484 Financial Regulatory Improvement Act of 2015 S. 1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 S. 1607 the Independent Agency Regulatory Analysis Act of 2015 S. 1647 Developing a Reliable and Innovative Vision for the Economy Act S. 1773 Consumer Reporting Fairness Act of 2015 S. 1818 Principled Rulemaking Act S. 1820 Early Participation in Regulations Act S. 1817 Smarter Regulations Through Advance Planning and Review Act S. 1958 Christopher Bryski Student Loan Protection Act S. 2038 Jumpstart GSE reform Act S. 2050 Private Education Loan Refinancing Act S. 2387 Commerce, Justice, Science, and Related Agencies Appropriations Act, FY2017 Senate Appropriations on Financial Services and General Government appropriations bill FY2017 S. 2663 Reforming CFPB Indirect Auto Financing Guidance Act S.J. Res. 19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) S. 552: Justice for Victims of Fraud Act S. 537: Arbitration Fairness Act S. 550: Restoring Statutory Rights and Interests of the States Act S. 553: Court Legal Access and Student Support (CLASS) Act S. 647: Mandatory Arbitration Transparency Act S. 646: Justice for Servicemembers Act S.951 - Regulatory Accountability Act of 2017 S. 1642, Protecting Consumers Access to Credit Act of 2017 S.J.Res.47 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 1659, the Protecting Consumers from Unreasonable Credit Rates Act Bills in the House: H.R. 4 Jobs for America Act H.R. 37 Promoting Job Creation and Reducing Small Business Burdens Act H.R. 50 Unfunded Mandates Information and Transparency Act of 2015 H.R. 113 Federal Reserve Accountability and Transparency Act of 2015 H.R. 185 The Regulatory Accountability Act H.R. 347 Facilitating Access to Credit Act H.R. 367 Regulations from the Executive in Need of Scrutiny (REINS) Act H.R. 427 Regulations from the Executive in Need of Scrutiny Act of 2015 H.R. 527 Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 650 Preserving Access to Manufactured Housing Act of 2015 H.R. 685 Mortgage Choice Act of 2015 H.R. 766 Financial Institution Customer Protection Act of 2015 H.R. 899 Unfunded Mandates Information and Transparency Act H.R. 957 CFPB IG act of 2015 H.R. 1090 Retail Investor Protection Act H.R. 1195 Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1259 Helping Expand Lending Practices in Rural Communities Act H.R. 1261 Bureau of Consumer Financial Protection Accountability Act of 2015 H.R. 1265 Bureau Advisory Commission Transparency Act H.R. 1266 Financial Product Safety Commission Act of 2015 H.R. 1413 Firearms Manufacturers and Dealers Protection Act of 2015 H.R. 1493 Sunshine for Regulatory Decrees and Settlements Act H.R. 1529 the Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act of 2015 H.R. 1660 Federal Saving Association Charter Flexibility Act of 2015 H.R. 1737 Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1799 Ensure Fair Prices in Title Insurance Act H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 2213 To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029 and related amendments Consolidated Appropriations Act of 2016 H.R. 2243 Equity in Government Compensation Act of 201 H.R. 2354 Streamlining Excessive and Costly Regulations Review Act H.R. 4294 -SAVERS Act of 2015 H.R. 2542 Regulatory Flexibility Improvements Act H.R. 2577 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2016 H.R. 2804 Achieving Less Excess in Regulation and Requiring Transparency (ALERRT) Act (H.R. 2804). H.R. 3035 Credit Access and Inclusion Act H.R. 3189 FORM Act of 2015 H.R. 3192 Homebuyers Assistance Act H.R. 3438 REVIEW Act H.R. 3634 Student Loan Debt Protection Act H.R. 4018 Consumer Protection and Choice Act H.R. 4293 Affordable Retirement Advice Protection Act H.R. 4768 The Separation of Powers Restoration Act, 2016 H.R. 4986 End Operation Choke Point Act of 2014 H.R. 5143 The International Insurance Standards Act H.R. 5485 The "Financial Services and General Government Appropriations Act, 2017 H.R. 5982 Midnight Rules Relief Act of 2016 Fiscal Year 2016 spending bills for the Department of Justice (CJS) and the Department of Housing and Urban Development (THUD) Fiscal Year 2017 Commerce, Justice, Science Funding Bill H.R. 21 -Midnight Rules Relief Act of 2017 H.R. 26 -Executive Need of Scrutiny Act of 2017 (REINS Act) H.R. 5 -Regulatory Accountability Act of 2017 (RAA) H.J. Res. 73 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) H.R. 1424: Justice for Victims of Fraud Act H.R. 1374: Arbitration Fairness Act H.R. 1396: Restoring Statutory Rights and Interests of the States Act H.R. 985: The Fairness in Class Action Litigation Act of 2017 H.R. 585: Investor Choice Act of 2017 H.R. 864, (Rep. Love), the Stop Debt Collection Abuse Act of 2017 H.R. 924, (Rep. Rothfus), the Financial Institutions Due Process Act of 2017 H.R. 1457, (Rep. Tipton), the Making Online Banking Initiation Legal and Easy Act of 2017 H.R. 2133, (Rep. Luetkemeyer), the Community Lending Enhancement and Regulatory Relief Act of 2017 (CLEARR act) H.R. 2148, (Rep. Pittenger), the Clarifying Commercial Real Estate Loans H.R. 2396, (Rep. Trott), the Privacy Notification Technical Correction Act H.R. 3221, (Rep. Kustoff), the Access to Affordable Mortgages Act of 2017 H.R. ____, (Rep. Hollingsworth), the Ensuring Quality Unbiased Access to Loans Act of 2017 H.R. ____, (Rep. Tenney), to simplify the process for national banks to obtain deposit insurance, and for other purposes. House Appropriations Financial Services and General Government Financial Services Bill H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 H.R. 1699, Preserving Access to Manufactured Housing Act of 2017 H.R. 2954, Home Mortgage Disclosure Adjustment Act H.R. 3299, Protecting Consumers Access to Credit Act of 2017 H.R. 3791, Community Institution Mortgage Relief Act of 2017 H.J.Res.111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" H.R. 3760, the Protecting Consumers from Unreasonable Credit Rates Act Under Discussion: A bill to provide consumer protections for overdraft fees A bill to provide consumer protections in auto lending Amendments and riders to appropriations bills House Bill re: Non-profit CDFI Depository Bank Expansion House Bill, Chairman Hensarling discussion draft, The Financial Choice Act Senate and House - Updates to the Stopping Abuse and Fraud in Electronic (SAFE) Lending Act Senate and House -Updates to the Secure and Fair Enforcement for Mortgage Licensing Act (also SAFE act)\ Senate - Senator Durbins usury rate cap bill (unintroduced at this time)
Client expense: $80,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office
2017 · third_quarter · Housing
H.R. 685, The Mortgage Choice Act; issues under the jurisdiction of the US House Appropriations Subcommittee on Financial Services and General Government, S. 1484, The Financial Regulatory Improvement Act of 2015; S. 1910, FY2016 Financial Services and General Government Appropriations Bill; General Dodd-Frank corrections, including qualified mortgage rule and CFPB matters; General GSE reform; FHA and VA residential; HUD FHA Home Equity Conversion Program (HECM); General FHFA issues; oversight of federal housing policy; the Financial Choice Act draft
Client expense: $270,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office
2017 · third_quarter · Insurance
S 1770/S.177- Data Security and Breach Notification Act of 2015 - would replace a patchwork of state data security breach notification laws with a national standard HR 1704- Personal Data Notification & Protection Act of 2015- Establishes a national 30-day notification standard of a breach. Criminalizes illicit overseas trade in identities (No bill number yet)-Carper-Blunt Data Security Act of 2015- Sets a national standard for notification (preempting state laws) and gives the FTC authority to enforce (unless enforced by the SEC or FDIC) Public Law 114-1- Terrorism Risk Insurance Reauthorization Act of 2015 - Extended the termination date of the Terrorism Insurance Program established under the Terrorism Risk Insurance Act of 2002, and for other purposes Public Law 113-279 - Insurance Capital Standards Clarification Act of 2014 - A bill to clarify the application of certain leverage and risk-based requirements under Dodd Frank Wall Street Reform and Consumer Protection Act S.1484- Financial Regulatory Improvement Act of 2015 Yet To be introduced- National Mitigation Investment Strategy - building resiliency to natural disasters through a set of 6 reforms HR 985- Fairness in Class Action Litigation and Furthering Asbestos Claim Transparency Act of 2017 - to amend the procedures used in Federal court class actions and multidistrict proceedings to assure fairer, more efficient outcomes for claimants and defendants, and for other purposes HR 906 - Furthering Asbestos Claim Transparency (FACT) Act of 2017 - to amend title 11 of the United states Code to require the public disclosure by trusts established under section 524(g) of such title, of quarterly reports that contain detailed information regarding the receipt and disposition of claims for injuries based on exposure to asbestos, and for other purposes Public Law 114-113- Consolidated Appropriations Act of 2016-specifically the Cybersecurity Act of 2015 included in the law FAA Small Unmanned Aircraft Rule Part 107 Yet to be published FAA rules on small unmanned aircraft flight over people and flight beyond line of sight Yet to be introduced infrastructure package "Dodd Frank Act Implementation and Amendments" HR 5983- Financial CHOICE Act of 2016- Implements a number of changes to the 2010 Dodd Frank law, including changes to the Federal Insurance Office, the FSOC Independent Member with Insurance Expertise, and the authorities of the Financial Stability Oversight Council. The legislation also establishes new notice, consultation, and reporting requirements for federal prudential regulators participating in the development of international financial standards S 1157-PATCH Act of 2017 - A bill to establish the Vulnerability Equities Review Board, and for other purposes HB 2481-PATCH Act of 2017- To establish the Vulnerability Equities Review Board, and for other purposes HR 2997- 21st Century AIRR Act- To transfer operation of air traffic services currently provided by the Federal Aviation Administration to a separate not-for-profit corporate entity, to reauthorize programs of the Federal Aviation Administration, and for other purposes S 1405-Federal Aviation Administration Reauthorization Act of 2017 - A bill to amend title 49, United States Code, to authorize appropriations for the Federal Aviation Administration, and for other purposes Amendment to HR 2997 offered by Mr. Lewis of Minnesota - to provide parameters for private airspace as related to drone activity S 1272- Drone Federalism Act of 2017 - A bill to preserve State, Local, and tribal authorities and private property rights with respect to unmanned aircraft systems, and for other purposes HR 2930- Drone Innovation Act of 2017 - To develop a civil unmanned aircraft policy framework, a pilot program, and for other purposes Amendment to HR 4441 offered by Mr. Curbelo - Not later than 60 days after the date of enactment of this Act, the Secretary of Transportation and the Secretary of Homeland Security shall issue or revise regulations and coordinate with other appropriate Federal agencies, to ensure that a provider of property or casualty insurance may utilize, in a safe manner, an unmanned aircraft system in a disaster-impacted area, for the purpose of conducting insurance-related activities, including assessment activities, and for expediting repairs and the payment of claims HR 2874, the 21st Century Flood Reform Act- To achieve reforms to improve the financial stability of the National Flood Insurance Program, to enhance the development of more accurate estimates of flood risk through new technology and better maps, to increase the role of private markets in the management of flood insurance risks and to provide alternate methods to insure against flood peril, and for other purposes HR 2868- The National Flood Insurance Program Policyholder Protection Act of 2017 - To protect National Flood Insurance Program policyholders from unreasonable premium rates and to require the Program to consider the unique characteristics of urban properties, and for other purposes HR 1558- The Repeatedly Flooded Communities Preparation Act - To amend the National Flood Insurance Act of 1968 to ensure community accountability for a areas repetitively damaged by floods, and for other purposes HR - 1422 - The Flood Insurance Market Parity and Modernization Act - To amend the Flood Disaster Protection Act of 1973 to require that certain buildings and personal property be covered by flood insurance, and for other purposes HR 2875 - The National Flood Insurance Program Administrative Reform Act of 2017 - 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 HR 2565 - To require the use of replacement cost value in determining the premium rates for flood insurance coverage under the National Flood Insurance Act, and for other purposes HR 2246 - The Taxpayer Exposure Mitigation Act of 2017 - To repeal the mandatory flood insurance coverage requirement for commercial properties located in flood hazard areas and to provide for greater transfer of risk under the National Flood Insurance Program to private capital and reinsurance markets, and for other purposes S 1368 - Sustainable, Affordable, Fair, and Efficient (SAFE) National Flood Insurance Program Reauthorization Act of 2017 - A bill to reauthorize the National Flood Insurance Program, and for other purposes HR 1879/S 812 PARTS Act - To amend Title 35, United States Code, to provide for an exception from infringement for certain component parts of motor vehicles Discussion draft - To preserve State, local, and other tribal authorities and private property rights with respect to unmanned aircraft systems, and for other purposes Discussion Drafts: LEAD'R Act - Prohibits states or political subdivisions of a State from regulating the design, construction, mechanical systems, software systems, or communications systems of highly automated vehicles and highly automated vehicle equipment. Does not prohibit a State or political subdivision from regulating registration or licensing, (liability) driving education and training, insurance, or traffic laws PAVE Act - Expands the number of vehicles the Secretary of Transportation is permitted to exempt from a Federal Motor vehicle Safety Standard (FMVSS) from 2,500 to100,000 ROAD Act - Expands the number of years that a manufacturer can maintain a FMVSS exemption (and request a renewal for an exemption) from 2 years to 5 years EXEMPT Act - Authorizes vehicle manufacturers to obtain a FMVSS exemption in order to promote the public adoption and acceptance of facilitate meaningful commercial deployment of a new vehicle technology, and to promote transportation access for the disability community,that would provide an overall safety level at least equal to the overall safety level of nonexempt vehicles MORE Act - Extends the authority created in the FAST Act test vehicles not in compliance with FMVSS to equipment manufacturers, suppliers, universities, and new market entrants INFORM Act - Directs the National Highway and Traffic Safety Administration (NHTSA) to notify the appropriate state authority when a highly automated vehicle is exempted from FMVSS Disability Mobility Advisory Council Act-Directs the Secretary of Transportation to establish a Federal Advisory Committee to undertake information gathering activities, develop technical advice, and present recommendations to the Secretary regarding advancing mobility access for the disabled community with respect to the deployment of highly automated vehicles Improving Mobility Access for Underserved Populations and Senior Citizens Advisory Council Act-Directs the Secretary of Transportation to establish a Federal Advisory Committee to undertake information gathering activities, develop technical advice, and present recommendations to the Secretary on how to advance mobility access for seniors and populations underserved by traditional public transportation services with respect to the testing and deployment of highly automated vehicles Automated Driving System Cybersecurity Advisory Council Act-Directs the Secretary of Transportation to establish a Federal Advisory Committee to undertake information gathering activities, develop technical advice, and present recommendations to the Secretary regarding cybersecurity for the testing, deployment, and updating of automated driving systems with respect to supply chain risk management, interactions with ISACs and ISAOs, and a framework for identifying and implementing recalls SHARES Act-Directs the Secretary of Transportation to establish a Federal Advisory Committee within the NHTSA to develop a framework that allows for the sharing of relevant, situational information among highly automated vehicle manufacturers in a manner that does not risk the public dissemination or sharing of confidential business information HAV PROMPT Act-Establishes that the Secretary may not institute a pre-market approval or pre-certification process for highly automated vehicles GUARD Act-Requires that certain information submitted to NHTSA by highly automated vehicle manufacturers or highly automated vehicle equipment manufacturers be treated as confidential business information MEMO Act-Directs the Federal Trade Commission (FTC) and NHTSA to develop a Memorandum of Understanding (MOU) regarding the agencies' oversight of highly automated vehicle privacy and cybersecurity DECAL Act-Directs manufacturers to include a description of the level of driving automation for any highly automated vehicle on the Monroney label SELF-DRIVE Act - HR 3388 - To amend title 49, United States Code, regarding the authority of the National Highway Traffic Safety Administration over highly automated vehicles, to provide safety measures for such vehicles, and for other purposes AV-START - S.185 - A bill to support the development of highly automated vehicle safety technologies,and for other purposes
Client expense: $760,000 · Firm income: Not reported
Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Postal Service (USPS)
2017 · second_quarter · Financial Institutions/Investments/Securities
Federal Reserve Proposed Rule on FRB, Enhanced Prudential Standards and Early Remediation Requirements for Covered Companies (77 Fed. Reg. 594, Jan. 5, 2012) The Volcker Rule Securities and Exchange Commission Customer Protection Rule, Rule 15c3-3 S. 1484, Financial Regulatory Improvement Act of 2015 General Fixed Income Market Structure General Equity Market Structure H.R. 1309, Systemic Risk Designation Improvement Act of 2015 H.R. 5983, Financial CHOICE Act of 2016 General FinTech (financial technology) House Agriculture Committee FY18 Appropriations
Client expense: $330,000 · Firm income: Not reported
Government targets: Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of
2017 · second_quarter · Banking
2017 Q2 Legislation, Regulatory Issues and Agencies Lobbied Bills in the Senate: S. 708 Regulatory Improvement Act S. 774 Financial Institutions Examination Fairness and Reform Act S. 1484 Financial Regulatory Improvement Act of 2015 S. 1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 S. 1607 the Independent Agency Regulatory Analysis Act of 2015 S. 1647 Developing a Reliable and Innovative Vision for the Economy Act S. 1773 Consumer Reporting Fairness Act of 2015 S. 1818 Principled Rulemaking Act S. 1820 Early Participation in Regulations Act S. 1817 Smarter Regulations Through Advance Planning and Review Act S. 1958 Christopher Bryski Student Loan Protection Act S. 2038 Jumpstart GSE reform Act S. 2050 Private Education Loan Refinancing Act S. 2387 Commerce, Justice, Science, and Related Agencies Appropriations Act, FY2017 Senate Appropriations on Financial Services and General Government appropriations bill FY2017 S. 2663 Reforming CFPB Indirect Auto Financing Guidance Act S.J. Res. 19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) S. 552: Justice for Victims of Fraud Act S. 537: Arbitration Fairness Act S. 550: Restoring Statutory Rights and Interests of the States Act S. 553: Court Legal Access and Student Support (CLASS) Act S. 647: Mandatory Arbitration Transparency Act S. 646: Justice for Servicemembers Act S.951 - Regulatory Accountability Act of 2017 Bills in the House: H.R. 4 Jobs for America Act H.R. 37 Promoting Job Creation and Reducing Small Business Burdens Act H.R. 50 Unfunded Mandates Information and Transparency Act of 2015 H.R. 113 Federal Reserve Accountability and Transparency Act of 2015 H.R. 185 The Regulatory Accountability Act H.R. 347 Facilitating Access to Credit Act H.R. 367 Regulations from the Executive in Need of Scrutiny (REINS) Act H.R. 427 Regulations from the Executive in Need of Scrutiny Act of 2015 H.R. 527 Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 650 Preserving Access to Manufactured Housing Act of 2015 H.R. 685 Mortgage Choice Act of 2015 H.R. 766 Financial Institution Customer Protection Act of 2015 H.R. 899 Unfunded Mandates Information and Transparency Act H.R. 957 CFPB IG act of 2015 H.R. 1090 Retail Investor Protection Act H.R. 1195 Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1259 Helping Expand Lending Practices in Rural Communities Act H.R. 1261 Bureau of Consumer Financial Protection Accountability Act of 2015 H.R. 1265 Bureau Advisory Commission Transparency Act H.R. 1266 Financial Product Safety Commission Act of 2015 H.R. 1413 Firearms Manufacturers and Dealers Protection Act of 2015 H.R. 1493 Sunshine for Regulatory Decrees and Settlements Act H.R. 1529 the Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act of 2015 H.R. 1660 Federal Saving Association Charter Flexibility Act of 2015 H.R. 1737 Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1799 Ensure Fair Prices in Title Insurance Act H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 2213 To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029 and related amendments Consolidated Appropriations Act of 2016 H.R. 2243 Equity in Government Compensation Act of 201 H.R. 2354 Streamlining Excessive and Costly Regulations Review Act H.R. 4294 -SAVERS Act of 2015 H.R. 2542 Regulatory Flexibility Improvements Act H.R. 2577 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2016 H.R. 2804 Achieving Less Excess in Regulation and Requiring Transparency (ALERRT) Act (H.R. 2804). H.R. 3035 Credit Access and Inclusion Act H.R. 3189 FORM Act of 2015 H.R. 3192 Homebuyers Assistance Act H.R. 3438 REVIEW Act H.R. 3634 Student Loan Debt Protection Act H.R. 4018 Consumer Protection and Choice Act H.R. 4293 Affordable Retirement Advice Protection Act H.R. 4768 The Separation of Powers Restoration Act, 2016 H.R. 4986 End Operation Choke Point Act of 2014 H.R. 5143 The International Insurance Standards Act H.R. 5485 The "Financial Services and General Government Appropriations Act, 2017 H.R. 5982 Midnight Rules Relief Act of 2016 Fiscal Year 2016 spending bills for the Department of Justice (CJS) and the Department of Housing and Urban Development (THUD) Fiscal Year 2017 Commerce, Justice, Science Funding Bill H.R. 21 -Midnight Rules Relief Act of 2017 H.R. 26 -Executive Need of Scrutiny Act of 2017 (REINS Act) H.R. 5 -Regulatory Accountability Act of 2017 (RAA) H.J. Res. 73 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) H.R. 1424: Justice for Victims of Fraud Act H.R. 1374: Arbitration Fairness Act H.R. 1396: Restoring Statutory Rights and Interests of the States Act H.R. 985: The Fairness in Class Action Litigation Act of 2017 H.R. 585: Investor Choice Act of 2017 H.R. 864, (Rep. Love), the Stop Debt Collection Abuse Act of 2017 H.R. 924, (Rep. Rothfus), the Financial Institutions Due Process Act of 2017 H.R. 1457, (Rep. Tipton), the Making Online Banking Initiation Legal and Easy Act of 2017 H.R. 2133, (Rep. Luetkemeyer), the Community Lending Enhancement and Regulatory Relief Act of 2017 (CLEARR act) H.R. 2148, (Rep. Pittenger), the Clarifying Commercial Real Estate Loans H.R. 2396, (Rep. Trott), the Privacy Notification Technical Correction Act H.R. 3221, (Rep. Kustoff), the Access to Affordable Mortgages Act of 2017 H.R. ____, (Rep. Hollingsworth), the Ensuring Quality Unbiased Access to Loans Act of 2017 H.R. ____, (Rep. Tenney), to simplify the process for national banks to obtain deposit insurance, and for other purposes. House Appropriations Financial Services and General Government Financial Services Bill Under Discussion: A bill to provide consumer protections for overdraft fees A bill to provide consumer protections in auto lending Amendments and riders to appropriations bills House Bill re: Non-profit CDFI Depository Bank Expansion House Bill, Chairman Hensarling discussion draft, The Financial Choice Act Senate and House - Updates to the Stopping Abuse and Fraud in Electronic (SAFE) Lending Act Senate and House -Updates to the Secure and Fair Enforcement for Mortgage Licensing Act (also SAFE act)\ Senate - Senator Durbins usury rate cap bill (unintroduced at this time)
Client expense: $130,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office
2017 · second_quarter · Housing
H.R. 5983 Financial CHOICE Act of 2016 S. 1484 Financial Regulatory Improvement Act of 2015 - Fannie Mae & Freddie Mac credit risk retention H.R. To Be Assigned, the Taxpayer Protections and Market Access for Mortgage Finance Act, legislation requiring the GSEs to increase credit risk transfers (CRT) with the private sector. This bill is being reintroduced. The sponsors are Congressman Ed Royce and Congresswoman Gwen Moore. Issue: Housing Finance Reform - to have private capital's role, specifically Mortgage Insurance, be an expanded and integral part of any reform. Issue: Housing Finance Reform proposals and previous legislative work on the Senate side including Corker Warner and Johnson Crapo Housing Reform proposals.
Client expense: $567,237 · Firm income: Not reported
Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of
2017 · second_quarter · Housing
H.R. 685, The Mortgage Choice Act; S.1484, The Financial Regulatory Improvement Act of 2015; Dodd-Frank corrections including the qualified mortgage rule and CFPB matters; general debate regarding GSE reform; and issues surrounding housing blight properties.
Client expense: Not reported · Firm income: $20,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2017 · second_quarter · Insurance
S 1770/S.177- Data Security and Breach Notification Act of 2015 - would replace a patchwork of state data security breach notification laws with a national standard HR 1704- Personal Data Notification & Protection Act of 2015- Establishes a national 30-day notification standard of a breach. Criminalizes illicit overseas trade in identities (No bill number yet)-Carper-Blunt Data Security Act of 2015- Sets a national standard for notification (preempting state laws) and gives the FTC authority to enforce (unless enforced by the SEC or FDIC) Public Law 114-1- Terrorism Risk Insurance Reauthorization Act of 2015 - Extended the termination date of the Terrorism Insurance Program established under the Terrorism Risk Insurance Act of 2002, and for other purposes Public Law 113-279 - Insurance Capital Standards Clarification Act of 2014 - A bill to clarify the application of certain leverage and risk-based requirements under Dodd Frank Wall Street Reform and Consumer Protection Act S.1484- Financial Regulatory Improvement Act of 2015 Yet To be introduced- National Mitigation Investment Strategy - building resiliency to natural disasters through a set of 6 reforms HR 985- Fairness in Class Action Litigation and Furthering Asbestos Claim Transparency Act of 2017 - to amend the procedures used in Federal court class actions and multidistrict proceedings to assure fairer, more efficient outcomes for claimants and defendants, and for other purposes HR 906 - Furthering Asbestos Claim Transparency (FACT) Act of 2017 - to amend title 11 of the United states Code to require the public disclosure by trusts established under section 524(g) of such title, of quarterly reports that contain detailed information regarding the receipt and disposition of claims for injuries based on exposure to asbestos, and for other purposes Public Law 114-113- Consolidated Appropriations Act of 2016-specifically the Cybersecurity Act of 2015 included in the law FAA Small Unmanned Aircraft Rule Part 107 Yet to be published FAA rules on small unmanned aircraft flight over people and flight beyond line of sight Yet to be introduced infrastructure package "Dodd Frank Act Implementation and Amendments" HR 5983- Financial CHOICE Act of 2016- Implements a number of changes to the 2010 Dodd Frank law, including changes to the Federal Insurance Office, the FSOC Independent Member with Insurance Expertise, and the authorities of the Financial Stability Oversight Council. The legislation also establishes new notice, consultation, and reporting requirements for federal prudential regulators participating in the development of international financial standards S 1157-PATCH Act of 2017 - A bill to establish the Vulnerability Equities Review Board, and for other purposes HB 2481-PATCH Act of 2017- To establish the Vulnerability Equities Review Board, and for other purposes HR 2997- 21st Century AIRR Act- To transfer operation of air traffic services currently provided by the Federal Aviation Administration to a separate not-for-profit corporate entity, to reauthorize programs of the Federal Aviation Administration, and for other purposes S 1405-Federal Aviation Administration Reauthorization Act of 2017 - A bill to amend title 49, United States Code, to authorize appropriations for the Federal Aviation Administration, and for other purposes Amendment to HR 2997 offered by Mr. Lewis of Minnesota - to provide parameters for private airspace as related to drone activity S 1272- Drone Federalism Act of 2017 - A bill to preserve State, Local, and tribal authorities and private property rights with respect to unmanned aircraft systems, and for other purposes HR 2930- Drone Innovation Act of 2017 - To develop a civil unmanned aircraft policy framework, a pilot program, and for other purposes Amendment to HR 4441 offered by Mr. Curbelo - Not later than 60 days after the date of enactment of this Act, the Secretary of Transportation and the Secretary of Homeland Security shall issue or revise regulations and coordinate with other appropriate Federal agencies, to ensure that a provider of property or casualty insurance may utilize, in a safe manner, an unmanned aircraft system in a disaster-impacted area, for the purpose of conducting insurance-related activities, including assessment activities, and for expediting repairs and the payment of claims HR 2874, the 21st Century Flood Reform Act- To achieve reforms to improve the financial stability of the National Flood Insurance Program, to enhance the development of more accurate estimates of flood risk through new technology and better maps, to increase the role of private markets in the management of flood insurance risks and to provide alternate methods to insure against flood peril, and for other purposes HR 2868- The National Flood Insurance Program Policyholder Protection Act of 2017 - To protect National Flood Insurance Program policyholders from unreasonable premium rates and to require the Program to consider the unique characteristics of urban properties, and for other purposes HR 1558- The Repeatedly Flooded Communities Preparation Act - To amend the National Flood Insurance Act of 1968 to ensure community accountability for a areas repetitively damaged by floods, and for other purposes HR - 1422 - The Flood Insurance Market Parity and Modernization Act - To amend the Flood Disaster Protection Act of 1973 to require that certain buildings and personal property be covered by flood insurance, and for other purposes HR 2875 - The National Flood Insurance Program Administrative Reform Act of 2017 - 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 HR 2565 - To require the use of replacement cost value in determining the premium rates for flood insurance coverage under the National Flood Insurance Act, and for other purposes HR 2246 - The Taxpayer Exposure Mitigation Act of 2017 - To repeal the mandatory flood insurance coverage requirement for commercial properties located in flood hazard areas and to provide for greater transfer of risk under the National Flood Insurance Program to private capital and reinsurance markets, and for other purposes S 1368 - Sustainable, Affordable, Fair, and Efficient (SAFE) National Flood Insurance Program Reauthorization Act of 2017 - A bill to reauthorize the National Flood Insurance Program, and for other purposes HR 1879/S 812 PARTS Act - To amend Title 35, United States Code, to provide for an exception from infringement for certain component parts of motor vehicles Discussion draft - To preserve State, local, and other tribal authorities and private property rights with respect to unmanned aircraft systems, and for other purposes Discussion Drafts: LEAD'R Act - Prohibits states or political subdivisions of a State from regulating the design, construction, mechanical systems, software systems, or communications systems of highly automated vehicles and highly automated vehicle equipment. Does not prohibit a State or political subdivision from regulating registration or licensing, (liability) driving education and training, insurance, or traffic laws PAVE Act - Expands the number of vehicles the Secretary of Transportation is permitted to exempt from a Federal Motor vehicle Safety Standard (FMVSS) from 2,500 to100,000 ROAD Act - Expands the number of years that a manufacturer can maintain a FMVSS exemption (and request a renewal for an exemption) from 2 years to 5 years EXEMPT Act - Authorizes vehicle manufacturers to obtain a FMVSS exemption in order to promote the public adoption and acceptance of facilitate meaningful commercial deployment of a new vehicle technology, and to promote transportation access for the disability community,that would provide an overall safety level at least equal to the overall safety level of nonexempt vehicles MORE Act - Extends the authority created in the FAST Act test vehicles not in compliance with FMVSS to equipment manufacturers, suppliers, universities, and new market entrants INFORM Act - Directs the National Highway and Traffic Safety Administration (NHTSA) to notify the appropriate state authority when a highly automated vehicle is exempted from FMVSS Disability Mobility Advisory Council Act-Directs the Secretary of Transportation to establish a Federal Advisory Committee to undertake information gathering activities, develop technical advice, and present recommendations to the Secretary regarding advancing mobility access for the disabled community with respect to the deployment of highly automated vehicles Improving Mobility Access for Underserved Populations and Senior Citizens Advisory Council Act-Directs the Secretary of Transportation to establish a Federal Advisory Committee to undertake information gathering activities, develop technical advice, and present recommendations to the Secretary on how to advance mobility access for seniors and populations underserved by traditional public transportation services with respect to the testing and deployment of highly automated vehicles Automated Driving System Cybersecurity Advisory Council Act-Directs the Secretary of Transportation to establish a Federal Advisory Committee to undertake information gathering activities, develop technical advice, and present recommendations to the Secretary regarding cybersecurity for the testing, deployment, and updating of automated driving systems with respect to supply chain risk management, interactions with ISACs and ISAOs, and a framework for identifying and implementing recalls SHARES Act-Directs the Secretary of Transportation to establish a Federal Advisory Committee within the NHTSA to develop a framework that allows for the sharing of relevant, situational information among highly automated vehicle manufacturers in a manner that does not risk the public dissemination or sharing of confidential business information HAV PROMPT Act-Establishes that the Secretary may not institute a pre-market approval or pre-certification process for highly automated vehicles GUARD Act-Requires that certain information submitted to NHTSA by highly automated vehicle manufacturers or highly automated vehicle equipment manufacturers be treated as confidential business information MEMO Act-Directs the Federal Trade Commission (FTC) and NHTSA to develop a Memorandum of Understanding (MOU) regarding the agencies' oversight of highly automated vehicle privacy and cybersecurity DECAL Act-Directs manufacturers to include a description of the level of driving automation for any highly automated vehicle on the Monroney label
Client expense: $670,000 · Firm income: Not reported
Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Postal Service (USPS)
2017 · second_quarter · Housing
H.R. 685, The Mortgage Choice Act; issues under the jurisdiction of the US House Appropriations Subcommittee on Financial Services and General Government, S. 1484, The Financial Regulatory Improvement Act of 2015; S. 1910, FY2016 Financial Services and General Government Appropriations Bill; General Dodd-Frank corrections, including qualified mortgage rule and CFPB matters; General GSE reform; FHA and VA residential; HUD FHA Home Equity Conversion Program (HECM); General FHFA issues; oversight of federal housing policy; the Financial Choice Act draft
Client expense: $250,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office
2017 · first_quarter · Financial Institutions/Investments/Securities
H.R. 1309, Systemic Risk Designation Improvement Act of 2015 (114th Cong.) H.R. 5983, Financial CHOICE Act of 2016 (114th Cong.) S. 1484, Financial Regulatory Improvement Act of 2015 (114th Cong.) Federal Reserve Proposed Rule on FRB, Enhanced Prudential Standards and Early Remediation Requirements for Covered Companies (77 Fed. Reg. 594, Jan. 5, 2012) The Volcker Rule Securities and Exchange Commission Customer Protection Rule, Rule 15c3-3 General Fixed Income Market Structure General Equity Market Structure Secured Finance Transactions General FinTech (financial technology) Student lending
Client expense: $280,000 · Firm income: Not reported
Government targets: Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of
2017 · first_quarter · Housing
H.R. 5983 Financial CHOICE Act of 2016 S. 1484 Financial Regulatory Improvement Act of 2015 - Fannie Mae & Freddie Mac credit risk retention H.R. 6487, the Taxpayer Protections and Market Access for Mortgage Finance Act, legislation requiring the GSEs to increase credit risk transfers (CRT) with the private sector.
Client expense: $640,263 · Firm income: Not reported
Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE
2017 · first_quarter · Banking
Bills in the Senate: S. 708 Regulatory Improvement Act S. 774 Financial Institutions Examination Fairness and Reform Act S. 1484 Financial Regulatory Improvement Act of 2015 S. 1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 S. 1607 the Independent Agency Regulatory Analysis Act of 2015 S. 1647 Developing a Reliable and Innovative Vision for the Economy Act S. 1773 Consumer Reporting Fairness Act of 2015 S. 1818 Principled Rulemaking Act S. 1820 Early Participation in Regulations Act S. 1817 Smarter Regulations Through Advance Planning and Review Act S. 1958 Christopher Bryski Student Loan Protection Act S. 2038 Jumpstart GSE reform Act S. 2050 Private Education Loan Refinancing Act S. 2387 Commerce, Justice, Science, and Related Agencies Appropriations Act, FY2017 Senate Appropriations on Financial Services and General Government appropriations bill FY2017 S. 2663 Reforming CFPB Indirect Auto Financing Guidance Act S.J. Res. 19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) S. 552: Justice for Victims of Fraud Act S. 537: Arbitration Fairness Act S. 550: Restoring Statutory Rights and Interests of the States Act S. 553: Court Legal Access and Student Support (CLASS) Act S. 647: Mandatory Arbitration Transparency Act S. 646: Justice for Servicemembers Act Bills in the House: H.R. 4 Jobs for America Act H.R. 37 Promoting Job Creation and Reducing Small Business Burdens Act H.R. 50 Unfunded Mandates Information and Transparency Act of 2015 H.R. 113 Federal Reserve Accountability and Transparency Act of 2015 H.R. 185 The Regulatory Accountability Act H.R. 347 Facilitating Access to Credit Act H.R. 367 Regulations from the Executive in Need of Scrutiny (REINS) Act H.R. 427 Regulations from the Executive in Need of Scrutiny Act of 2015 H.R. 527 Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 650 Preserving Access to Manufactured Housing Act of 2015 H.R. 685 Mortgage Choice Act of 2015 H.R. 766 Financial Institution Customer Protection Act of 2015 H.R. 899 Unfunded Mandates Information and Transparency Act H.R. 957 CFPB IG act of 2015 H.R. 1090 Retail Investor Protection Act H.R. 1195 Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1259 Helping Expand Lending Practices in Rural Communities Act H.R. 1261 Bureau of Consumer Financial Protection Accountability Act of 2015 H.R. 1265 Bureau Advisory Commission Transparency Act H.R. 1266 Financial Product Safety Commission Act of 2015 H.R. 1413 Firearms Manufacturers and Dealers Protection Act of 2015 H.R. 1493 Sunshine for Regulatory Decrees and Settlements Act H.R. 1529 the Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act of 2015 H.R. 1660 Federal Saving Association Charter Flexibility Act of 2015 H.R. 1737 Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1799 Ensure Fair Prices in Title Insurance Act H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 2213 To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029 and related amendments Consolidated Appropriations Act of 2016 H.R. 2243 Equity in Government Compensation Act of 201 H.R. 2354 Streamlining Excessive and Costly Regulations Review Act H.R. 4294 -SAVERS Act of 2015 H.R. 2542 Regulatory Flexibility Improvements Act H.R. 2577 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2016 H.R. 2804 Achieving Less Excess in Regulation and Requiring Transparency (ALERRT) Act (H.R. 2804). H.R. 3035 Credit Access and Inclusion Act H.R. 3189 FORM Act of 2015 H.R. 3192 Homebuyers Assistance Act H.R. 3438 REVIEW Act H.R. 3634 Student Loan Debt Protection Act H.R. 4018 Consumer Protection and Choice Act H.R. 4293 Affordable Retirement Advice Protection Act H.R. 4768 The Separation of Powers Restoration Act, 2016 H.R. 4986 End Operation Choke Point Act of 2014 H.R. 5143 The International Insurance Standards Act H.R. 5485 The "Financial Services and General Government Appropriations Act, 2017 H.R. 5982 Midnight Rules Relief Act of 2016 Fiscal Year 2016 spending bills for the Department of Justice (CJS) and the Department of Housing and Urban Development (THUD) Fiscal Year 2017 Commerce, Justice, Science Funding Bill H.R. 21 -Midnight Rules Relief Act of 2017 H.R. 26 -Executive Need of Scrutiny Act of 2017 (REINS Act) H.R. 5 -Regulatory Accountability Act of 2017 (RAA) H.J. Res. 73 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) H.R. 1424: Justice for Victims of Fraud Act H.R. 1374: Arbitration Fairness Act H.R. 1396: Restoring Statutory Rights and Interests of the States Act H.R. 985: The Fairness in Class Action Litigation Act of 2017 H.R. 585: Investor Choice Act of 2017 Under Discussion: A bill to provide consumer protections for overdraft fees A bill to provide consumer protections in auto lending Amendments and riders to appropriations bills House Bill re: Non-profit CDFI Depository Bank Expansion House Bill, Chairman Hensarling discussion draft, The Financial Choice Act Updates to the Stopping Abuse and Fraud in Electronic (SAFE) Lending Act Updates to the Secure and Fair Enforcement for Mortgage Licensing Act (also SAFE act)
Client expense: $60,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office
2017 · first_quarter · Insurance
S 1770/S.177- Data Security and Breach Notification Act of 2015 - would replace a patchwork of state data security breach notification laws with a national standard HR 1704- Personal Data Notification & Protection Act of 2015- Establishes a national 30-day notification standard of a breach. Criminalizes illicit overseas trade in identities (No bill number yet)-Carper-Blunt Data Security Act of 2015- Sets a national standard for notification (preempting state laws) and gives the FTC authority to enforce (unless enforced by the SEC or FDIC) Public Law 114-1- Terrorism Risk Insurance Reauthorization Act of 2015 - Extended the termination date of the Terrorism Insurance Program established under the Terrorism Risk Insurance Act of 2002, and for other purposes Public Law 113-279 - Insurance Capital Standards Clarification Act of 2014 - A bill to clarify the application of certain leverage and risk-based requirements under Dodd Frank Wall Street Reform and Consumer Protection Act S.1484- Financial Regulatory Improvement Act of 2015 Yet To be introduced- National Mitigation Investment Strategy - building resiliency to natural disasters through a set of 6 reforms HR 985- Fairness in Class Action Litigation and Furthering Asbestos Claim Transparency Act of 2017 - to amend the procedures used in Federal court class actions and multidistrict proceedings to assure fairer, more efficient outcomes for claimants and defendants, and for other purposes HR 906 - Furthering Asbestos Claim Transparency (FACT) Act of 2017 - to amend title 11 of the United states Code to require the public disclosure by trusts established under section 524(g) of such title, of quarterly reports that contain detailed information regarding the receipt and disposition of claims for injuries based on exposure to asbestos, and for other purposes Public Law 114-113- Consolidated Appropriations Act of 2016-specifically the Cybersecurity Act of 2015 included in the law FAA Small Unmanned Aircraft Rule Part 107 Yet to be published FAA rules on small unmanned aircraft flight over people and flight beyond line of sight Yet to be introduced infrastructure package "Dodd Frank Act Implementation and Amendments" HR 5983- Financial CHOICE Act of 2016- Implements a number of changes to the 2010 Dodd Frank law, including changes to the Federal Insurance Office, the FSOC Independent Member with Insurance Expertise, and the authorities of the Financial Stability Oversight Council. The legislation also establishes new notice, consultation, and reporting requirements for federal prudential regulators participating in the development of international financial standards
Client expense: $1,200,000 · Firm income: Not reported
Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Postal Service (USPS)
2017 · first_quarter · Housing
H.R.685, The Mortgage Choice Act; S.1484, The Financial Regulatory Improvement Act of 2015; Dodd-Frank corrections, including the qualified mortgage rule and CFPB matters; general debate regarding GSE reform; and issues surrounding housing blight properties.
Client expense: Not reported · Firm income: $20,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2017 · first_quarter · Housing
H.R. 685, The Mortgage Choice Act; issues under the jurisdiction of the US House Appropriations Subcommittee on Financial Services and General Government, S. 1484, The Financial Regulatory Improvement Act of 2015; S. 1910, FY2016 Financial Services and General Government Appropriations Bill; General Dodd-Frank corrections, including qualified mortgage rule and CFPB matters; General GSE reform; FHA and VA residential; HUD FHA Home Equity Conversion Program (HECM); General FHFA issues; General housing blight properties; HR 22, Senate Amendment to the Highway Bill, specifically on blight property funding; oversight of federal housing policy; the Financial Choice Act draft
Client expense: $320,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office
2016 · fourth_quarter · Insurance
Monitor issues related to tax reform, International regulatory and standards negotiations, flood insurance, and issues related to the implementation of Dodd- Frank. S. 1484, Financial Regulatory Improvement Act of 2015. S. 1679, Flood Insurance Market Parity and Modernization Act. S. 1086, International Insurance Capital Standards Accountability Act of 2015.
Client expense: Not reported · Firm income: $42,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · fourth_quarter · Banking
Update House and Senate on Interchange/swipe fee reform issues, including competitive routing and pending surcharge legislation in states; provide retailers' perspective of issues in implementing mobile payment systems; data security and breach notification as it relates to sensitive financial data; H.R. 2205, Data Security Act of 2015; S. 1484, Financial Regulatory Improvement Act of 2015, indexing threshold of electronic funds transfer amendment to Dodd-Frank; appropriations language pertaining to threshold EFTA amendment; S. 1491, Community Financial Institution Regulatory Relief; discuss views of retail industry regarding EMV transition, fraud costs, Chip and PIN, tokenization, encryption, chargebacks, competition in debit routing and other payment innovation; H.R.5465 - To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes; Financial Choice Act (H.R. 5983), provisions to repeal Durbin amendment of Wall Street Reform and Consumer Protection Act of 2010; H.R. 6032, Data Breach Insurance Act, shared retail views on tax credits for purchase of data breach insurance, implementing cyber framework, tokenization, p2p encryption.
Client expense: $1,640,000 · Firm income: Not reported
Government targets: Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Aviation Administration (FAA), Federal Maritime Commission, Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Occupational Safety & Health Administration (OSHA), Office of Management & Budget (OMB), Patent & Trademark Office (PTO), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Customs & Border Protection, U.S. Trade Representative (USTR), White House Office
2016 · fourth_quarter · Banking
Implementation of the Dodd-Frank Act; S.1484 - Financial Regulatory Improvement Act; H.R. 1309 Systemic Risk Act of 2015.
Client expense: Not reported · Firm income: $30,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · third_quarter · Banking
Implementation of the Dodd-Frank Act; S.1484 - Financial Regulatory Improvement Act; H.R. 1309 Systemic Risk Act of 2015.
Client expense: Not reported · Firm income: $30,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · second_quarter · Banking
Implementation of the Dodd-Frank Act; S.1484 - Financial Regulatory Improvement Act; H.R. 1309 Systemic Risk Act of 2015.
Client expense: Not reported · Firm income: $30,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · first_quarter · Banking
Implementation of the Dodd-Frank Act; S.1484 - Financial Regulatory Improvement Act; H.R. 1309 Systemic Risk Act of 2015.
Client expense: Not reported · Firm income: $30,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · third_quarter · Banking
Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to NCUAs rulemaking process Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to CFPBs Leadership Structure and Installing a Board Rather than Director Issues related to funding the CFPB through the Appropriations Process Issues related to increasing the CFPB Examination Threshold Issues related to conducting a cost-benefit analysis of all CFPB Proposals Issues related to codifying the CFPBs Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to standardizing the definition of mortgage originator Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions Issues related to NCUAs risk-based capital proposal Issues related to NCUAs proposed rule on securitization Issues related to NCUAs regulatory review process Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union by-laws Issues related to credit unions incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to Ginnie Mae capital Issues related to credit union service to marijuana businesses Issues related to financial literacy Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to membership eligibility in the Federal Home Loan Bank System. Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to indirect auto lending Issues related to fixed assets Issues related to merchant data breaches Issues related to the payments system Issues related to FHFA proposed rules and FHLB eligibility for credit unions Issues related to Federal Reserve Regulatory D Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to Housing Finance Reform Issues related to the implementation of the remittances provisions in the Dodd-Frank Act Issues related to NCUAs proposal rule on Member Business Lending Issues related to NCUAs proposed rule on Interest on Lawyer Trust Accounts (IOLTA) Issues related to credit union service to unbanked and underbanked consumers Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the Feds implementation of same-day ACH Issues related to the regulation of corporate credit unions Issues related to the CFPBs proposed regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the payday, vehicle title, and similar lending Issues related to the CFPBs consumer complaint database Issues related to NCUAs Fixed Assets rule Issues related to NCUAs definition of small entity Issues related to NCUA's Proposed Rule on Member Business Lending Issues related to the Department of Labor's Proposed Rule on the Definition of Fiduciary Issues related to the Telephone Consumer Protection Act Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the Department of Labor's Proposed Overtime Eligibility rule Issues related to credit union conversions Issues related to the CFPB's proposal on arbitration Issues related to secure payments Issues related to credit union call report modernization H.R. 9, the Innovation Act, all provisions H.R. 22, the FAST Act, Title LXXV, provisions related to privacy notice requirements; Title LXXXII, provisions related to the eligibility of privately insured credit unions to join a Federal Home Loan Bank; Title LXXXIX, provisions related to the designation of rural areas by the Consumer Financial Protection Bureau H.R. 185, Regulatory Accountability Act of 2015 H.R. 299, the Capital Access for Small Community Financial Institutions Act of 2015, all provisions H.R. 527, the Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 601, the Eliminate Privacy Notice Confusion Act, all provisions H.R. 650, Preserving Access to Manufactured Housing Act, all provision H.R. 685, the Mortgage Choice Act, all provisions H.R. 766, Financial Institution Consumer Protection Act, all provisions H.R. 957, the Bureau of Consumer Financial Protection Inspector General Reform Act, all provisions H.R. 989, the Capital Access for Small Businesses Jobs Creation Act, all provisions H.R. 1090, Retail Investor Protection Act, all provisions H.R. 1176, the NCUA Budget Transparency Act, all provisions H.R. 1188, the Credit Union Small Business Jobs Creation Act, all provisions H.R. 1195, the Bureau of Consumer Financial Protection Advisory Boards Act, all provisions H.R. 1210, the Portfolio Lending and Mortgage Access Act, H.R. 1233, the Community Lending Enhancement and Regulatory Relief Act of 2015 H.R. 1259, the Helping Expand Lending Practices in Rural Communities Act, all provisions H.R. 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015 H.R. 1265, the Bureau Advisory Commission Transparency Act, all provision H.R. 1266, the Financial Products Safety Commission Act of 2015 H.R. 1408, requiring a study of the capital requirements for mortgage servicing assets H.R. 1422, the Credit Union Residential Loan Parity Act H.R. 1480, the SAFE Confidentiality and Privilege Enhancement Act H.R. 1523, Community Bank Access to Capital Act of 2015 H.R. 1529, the Community Institution Mortgage Relief Act Discussion Draft, Data Security and Breach Notification Act of 2015 H.R. 1660, the Federal Savings Association Charter Flexibility Act, all provisions H.R. 1941, the Financial Institution Examination Fairness and Reform Act H.R. 2205, the Data Security Act H.R. 2213, to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2287, the National Credit Union Administration Budget Transparency Act H.R. 2473, the Preserving Capital Access and Mortgage Liquidity Act H.R. 2769, the Risk-Based Capital Study Act, all provisions H.R. 2896, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act H.R. 3192, the Homebuyer Assistance Act, all provisions H.R. 4638, the Senior $afe Act, all provisions H.R. 4893, the Risk Management and Homeowner Stability Act, all provisions H.R. 4997, the Home Mortgage Disclosure Adjustment Act, all provisions H.R. 5465, a bill to repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, all provisions H.R. 5983, the Financial CHOICE Act, all provisions S. 423, the Privacy Notice Modernization Act, all provisions S. 482, the Consumer Financial Protection Bureau Examination Reporting Threshold Act of 2015, all provisions S. 774 Financial Institutions Examination Fairness and Reform Act, all provisions S. 871, the Helping Expand Lending Practices in (HELP) Rural Communities Act S. 924, the National Credit Union Administration Budget Transparency Act S. 961, the Data Security Act S. 1367, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions S. 1440, the Credit Union Residential Loan Parity Act S. 1484, the Financial Regulatory Improvement Act, Title I S. 2216, the Senior$afe Act, all provisions The Heck-Stivers Amendment to H.R. 1735, the National Defense Authorization Act, related to the Department of Defenses MLA Database Discussion draft of the Financial Creating Hope and Opportunity for Investors, Consumers and Entrepreneurs (CHOICE) Act, all provisions
Client expense: $1,090,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA), Treasury, Dept of
2016 · fourth_quarter · Financial Institutions/Investments/Securities
- Governance framework of the commercial mortgage backed securities market - Implementation of the Financial Stability Act of 2010 as it relates to Federal Reserve Board supervision of systemically important non-bank financial institutions - Implementation of the Financial Stability Act of 2010 and the Financial Stability Oversight Council's Interpretive Guidance on the authority to require supervision and regulation of certain nonbank financial companies. - Federal Reserve Board Rulemaking on Enhanced Prudential Standards and Early Remediation for Covered Companies - The Financial Regulatory Improvement Act (S. 1484), Titles III, IV, and V. - H.R. 5983 Financial CHOICE Act, a bill that reforms FSOC and establishes greater transparency of US regulators in international insurance agreements. - Rulemaking on Net Stable Funding Ratio: Liquidity Risk Measurement Standards and Disclosure Requirements
Client expense: $1,010,000 · Firm income: Not reported
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)
2016 · third_quarter · Banking
Bills in the Senate: S. 708 Regulatory Improvement Act S. 774 Financial Institutions Examination Fairness and Reform Act S. 1484 Financial Regulatory Improvement Act of 2015 S. 1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 S. 1607 the Independent Agency Regulatory Analysis Act of 2015 S. 1647 Developing a Reliable and Innovative Vision for the Economy Act S. 1773 Consumer Reporting Fairness Act of 2015 S. 1818 Principled Rulemaking Act S. 1820 Early Participation in Regulations Act S. 1817 Smarter Regulations Through Advance Planning and Review Act S. 1958 Christopher Bryski Student Loan Protection Act S. 2038 Jumpstart GSE reform Act S. 2050 Private Education Loan Refinancing Act S. 2387 Commerce, Justice, Science, and Related Agencies Appropriations Act, FY2017 Senate Appropriations on Financial Services and General Government appropriations bill FY2017 S. 2663 Reforming CFPB Indirect Auto Financing Guidance Act Bills in the House: H.R. 4 Jobs for America Act H.R. 37 Promoting Job Creation and Reducing Small Business Burdens Act H.R. 50 Unfunded Mandates Information and Transparency Act of 2015 H.R. 113 Federal Reserve Accountability and Transparency Act of 2015 H.R. 185 The Regulatory Accountability Act H.R. 347 Facilitating Access to Credit Act H.R. 367 Regulations from the Executive in Need of Scrutiny (REINS) Act H.R. 427 Regulations from the Executive in Need of Scrutiny Act of 2015 H.R. 527 Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 650 Preserving Access to Manufactured Housing Act of 2015 H.R. 685 Mortgage Choice Act of 2015 H.R. 766 Financial Institution Customer Protection Act of 2015 H.R. 899 Unfunded Mandates Information and Transparency Act H.R. 957 CFPB IG act of 2015 H.R. 1090 Retail Investor Protection Act H.R. 1195 Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1259 Helping Expand Lending Practices in Rural Communities Act H.R. 1261 Bureau of Consumer Financial Protection Accountability Act of 2015 H.R. 1265 Bureau Advisory Commission Transparency Act H.R. 1266 Financial Product Safety Commission Act of 2015 H.R. 1413 Firearms Manufacturers and Dealers Protection Act of 2015 H.R. 1493 Sunshine for Regulatory Decrees and Settlements Act H.R. 1529 the Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act of 2015 H.R. 1660 Federal Saving Association Charter Flexibility Act of 2015 H.R. 1737 Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1799 Ensure Fair Prices in Title Insurance Act H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 2213 To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2029 and related amendments Consolidated Appropriations Act of 2016 H.R. 2243 Equity in Government Compensation Act of 201 H.R. 2354 Streamlining Excessive and Costly Regulations Review Act H.R. 4294 -SAVERS Act of 2015 H.R. 2542 Regulatory Flexibility Improvements Act H.R. 2577 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2016 H.R. 2804 Achieving Less Excess in Regulation and Requiring Transparency (ALERRT) Act (H.R. 2804). H.R. 3035 Credit Access and Inclusion Act H.R. 3189 FORM Act of 2015 H.R. 3192 Homebuyers Assistance Act H.R. 3634 Student Loan Debt Protection Act H.R. 4018 Consumer Protection and Choice Act H.R. 4293 Affordable Retirement Advice Protection Act H.R. 4768 The Separation of Powers Restoration Act, 2016 H.R. 4986 End Operation Choke Point Act of 2014 H.R. 5485 The "Financial Services and General Government Appropriations Act, 2017 H.R. 5982 Midnight Rules Relief Act of 2016 Fiscal Year 2016 spending bills for the Department of Justice (CJS) and the Department of Housing and Urban Development (THUD) Fiscal Year 2017 Commerce, Justice, Science Funding Bill Under Discussion: A bill to provide consumer protections for overdraft fees A bill to provide consumer protections in auto lending Amendments and riders to appropriations bills House Bill re: Non-profit CDFI Depository Bank Expansion House Bill, Chairman Hensarling discussion draft, The Financial Choice Act
Client expense: $50,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office
2016 · fourth_quarter · Banking
HR 1309 / HR 6392, Systemic Risk Designation Improvement Act of 2015 (all provisions). S. 1484, Financial Regulatory Improvement Act of 2015 (all provisions). HR 2205 / S. 961, Data Security Act of 2015 (all provisions). S. 1901, Small Business Access to Capital Act of 2015 (all provisions). General discussions and issues small business lending, SBA 7a funding (no specific bill). HR 5983, Financial CHOICE Act (all provisions). General discussions and issues covering CFPB proposed payday, vehicle title, and certain high-cost installment loans rule, including 5% PTI (no specific bill). General discussions covering DOL fiduciary, arbitration, overdraft, small dollar lending and short term loan programs, deposit advance, and express banking (no specific bill). HR 5465, to repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes (all provisions). HR 5027, to amend the Federal Reserve Act to adjust the circumstances under which Federal reserve bank stock is callable, and for other purposes (all provisions). Federal Reserve dividend proposal, language to amend the Fixing Americas Surface Transportation Act (FAST Act), 2016 highway/transportation funding bill, bank related funding provision (no specific bill). General discussions covering data and cyber security, payments and interchange, federal dividend pay-for (no specific bill). H.R. 4173 (111th Congress, P.L. 111-203): Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act); legislative and regulatory implementation discussions covering rules and regulations, process, systems and structures, oversight, process, enforcement and compliance. General discussions covering the Dodd-Frank Act and provisions, Financial Stability Oversight Council, Office of Financial Research, systemically important financial institutions (SIFI) designations, prudential regulations, mortgage regulations (qualified mortgages, qualified residential mortgages), Volcker, CCAR and capital planning, bank liquidity, Basel, resolution planning, living wills, stress testing, corporate governance, enhanced prudential standards (165/166), remittance, 716, push-out, Title VII (swaps/derivatives), Title II, section 1071, end user margins, point/fees, pre-paid cards, new product development, examinations and other banking and financial services related provisions.
Client expense: $170,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE
2016 · fourth_quarter · Insurance
H.R. 23- Windstorm Impact Reduction Program (Enacted) H.R. 26- Terrorism Risk Insurance (Enacted) H.R. 141- Flood Insurance H.R. 494- Health Insurance H.R. 947- National Flood Insurance Act H.R. 1478- Policy Holder Protection Act H.R. 2141- International Insurance H.R. 2205- Data Security H.R. 2901- Flood Insurance H.R. 2918- Flood Insurance H.R. 3456- Flood Insurance H.R. 3794- Risk Retention H.R. 4107- Flood Insurance H.R. 4441- Insurers using drones following a state or federal disaster H.R. 4866- Flood Insurance H.R. 4947- Flood Insurance H.R. 5143- International Insurance H.R. 5953- National Flood Insurance Program H.R. 6032- Cybersecurity H.R. 6104- National Flood Insurance Program H.R. 6196- National Flood Insurance Program H.R. 6434- Flood insurance H.R. 6436- International insurance No #: Taxes; insurance S. 487- Flood Insurance S. 798- Policyholder Protection Act S. 1086- International Capital Standards S. 1484- International Insurance S. 1561- Reinsurance S. 1679- Flood Insurance S. 2324- Flood Insurance S. 2909- TRIA S. 3442- TRIA No #: Flood insurance bills (Luetkemeyer & Velazquez) **Issues lobbied without specific bill numbers: Covered Agreements, Senate Financial Services and General Government Appropriations
Client expense: $790,000 · Firm income: Not reported
Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), Federal Aviation Administration (FAA), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Highway Administration (FHA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Natl Geospatial Intelligence Agency, Natl Highway Traffic Safety Administration (NHTSA), Natl Transportation Safety Board (NTSB), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office
2016 · fourth_quarter · Insurance
HR 2995-Insurance appropriations. S 1086-International capital standards. HR 2141-International insurance standards. S 1484-International insurance standards. HR 5143-International insurance standards. HR 3794-non-profit risk retention groups. CHOICE Act-draft legislation to repeal the Dodd-Frank Act. Issues lobbied without specific bills introduced: International and Domestic Insurance Capital Standards; Defense of State-Based Insurance Regulation; International Insurance Regulation; McCarran-Ferguson Act; Covered Agreements; Risk Retention Groups; Covered Agreement Negotiations.
Client expense: $70,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · fourth_quarter · Financial Institutions/Investments/Securities
S. 754, the Cybersecurity Information Sharing Act of 2015. S. 961, A bill to protect information relating to consumers, to require notice of security breaches, and for other purposes. S. 1484,the "Financial Regulatory Improvement Act". S. 1910, the "Financial Services and General Government Appropriations Act, 2016". As the bill relates to electronic delivery of financial disclosures. H.R. 1090, the "Retail Investor Protection Act". H.R. 1770, the Data Security and Breach Notification Act of 2015. H.R. 2205, the "Bipartisan Data Security Act. H.R. 1550, the Financial Stability Oversight Council Improvement Act H.R. 2995, the "Financial Services and General Government Appropriations Act, 2016". As the bill relates to electronic delivery of financial disclosures. HR 5983, the Financial CHOICE Act of 2016. Issues related to SEC mutual fund disclosures. SEC Final Rule, Registration of Municipal Advisors, 17 CFR, Parts 240 and 249, 78 FR 59814 (9/30/2013). CFTC Exemptive Order Regarding Compliance with Certain Swap Regulations (Cross-Border Phase-In Exemptive Order) (7/12/13). Department of Treasury, IAIS Common Framework for the Supervision of Internationally Active Insurance Groups (7/1/11). Section 619, "Dodd Frank Wall Street Reform and Consumer Protection Act", Final Rule, 12 CFR Part 44, 12 CFR Part 248, 12 CFR Part 351, 17 CFR Part 255 (12/10/2013). "The Dodd-Frank Wall Street Reform and Consumer Protection Act", P.L. No. 111-203 - Regulatory implementation of provisions relating to insurance companies.
Client expense: $450,000 · Firm income: Not reported
Government targets: Commodity Futures Trading Commission (CFTC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of
2016 · fourth_quarter · Insurance
Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act; S. 812 CLEAR Relief Act of 2015; S. 1484 The Financial Regulatory Improvement Act of 2015.
Client expense: Not reported · Firm income: $30,000
Government targets: SENATE