Community Bank Sensible Regulation Act of 2017

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR 10, HR 389, HR 620, HR 1018, HR 1031, HR 1116, HR 1153, HR 1244, HR 1264, HR 1401, HR 1422, HR 1423, HR 1426, HR 1457, HR 1529, HR 1699, HR 1801, HR 1958, HR 1964, HR 2133, HR 2170, HR 2215, HR 2226, HR 2246, HR 2359, HR 2403, HR 2553, HR 2570, HR 2706, HR 2793, HR 2868, HR 2874, HR 2875, HR 2877, HR 2890, HR 2954, HR 3072, HR 3110, HR 3221, HR 3312, HR 3354, HR 3746, HR 3758, HR 3766, HR 3857, HR 3866, HR 3971, HR 3978, HR 4081, HR 4296, HR 4439, HR 4464, HR 4499, HR 4545, HR 4648, HR 4651 HR 4746, HR 4764, HR 4771, HR 4790, HR 4861, HR 4905, HR 5076, HR 5166, HR 5266, HR 5288; HJ Res 62, HJ Res 73, HJ Res 122; S 21, S 105, S 223, SJ Res 19, S 365, S 366, S 370, S 387, S 563, S 567, S 836, S 838, S 1002, S 1264, S 1284, S 1313, S 1315, S 1368, S 1389, S 1499, S 1571, S 1579, S 1642, S 1753, S 1810, S 1962, S 1982, S 2155, S 2171, S 2237, S 2289, S 2362, S 2375; SJ Res 47 SJ Res 56, SJ Res 57; data security and cybersecurity: patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR 10, HR 389, HR 1018, HR 1031, HR 1116, HR 1153, HR 1244, HR 1264, HR 1401, HR 1422, HR 1423, HR 1426, HR 1457, HR 1529, HR 1699, HR 1801, HR 1958, HR 1964, HR 2133, HR 2170, HR 2215, HR 2226, HR 2246, HR 2359, HR 2403, HR 2553, HR 2570, HR 2706, HR 2793, HR 2868, HR 2874, HR 2875, HR 2877, HR 2890, HR 2954, HR 3072, HR 3110, HR 3221, HR 3312, HR 3354, HR 3746, HR 3758, HR 3766, HR 3857, HR 3866, HR 3971, HR 3978, HR 4081, HR 4296, HR 4439, HR 4464, HR 4499, HR 4545, HR 4648, HR 4651; HJ Res 62, HJ Res 73, HJ Res 111, HJ Res 122; S 21, S 105, S 223, SJ Res 19, S 365, S 366, S 370, S 387, S 563, S 567, S 836, S 838, S 1002, S 1264, S 1284, S 1313, S 1315, S 1368, S 1389, S 1499, S 1571, S 1579, S 1642, S 1753, S 1810, S 1962, S 1982, S 2155, S 2171, S 2237; SJ Res 47; data security and cybersecurity: patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

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

H.R. 10 Financial CHOICE Act H.R. 924 Financial Institutions Due Process Act H.R. 1116 Tailor Act of 2017 H.R. 1244 Credit Union Access to Supplemental Capital H.R. 1264 Community Financial Institutions Exemption Act H.R. 1422 Flood Insurance Development Modernization Act H.R. 1426 Federal Savings Association Charter Flexibility Act H.R. 1457 Making Online Banking Initiation Legal and Easy Act H.R. 1558 Repeated Flooded Communities Preparation Act H.R. 1585 The Fair Investment Opportunities for Professional Experts Act H.R. 1948 Small Bank Holding Company Relief Act H.R. 1964 Community Mortgage Lender Regulatory Act of 2017 H.R. 2133 CLEAR Relief Act H.R. 2148 Clarifying Commercial Real Estate Loans, treatment of loans under regulatory capital rules H.R. 2170 Flood and Agriculture Risk Management Cost Reduction Act of 2017 H.R. 2204 Homeowner Information Privacy Protection H.R. 2215 SAFE Act of 2017 H.R. 2226 The Portfolio Lending and Mortgage Access Act H.R. 2319 Consumer Financial Choice and Capital Markets Protection Act of 2017 H.R. 2553 Taking Account of Bureaucrats Spending Act H.R. 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 H.R. 2570 Mortgage Fairness Act H.R. 2706 Financial Institution Customer Protection Act: Anti-Choke Point Provisions H.R. 2868 National Flood Insurance Program Policyholder Protection Act of 2017 H.R. 2874 21st Century Flood Reform Act H.R. 2875 National Flood Insurance Program Administrative Reform Act of 2017 H.R. 2948 To amend the S.A.F.E. Mortgage Licensing Act of 2008 to provide a temporary license for loan originators transitioning between employers, and for other purposes H.R. 2954 Home Mortgage Disclosure Adjustment Act H.R. 3070 To amend the Federal Deposit Insurance Act to clarify the definition of a deposit broker, and for other purposes H.R. 3072 Bureau of Consumer Financial Protection Examination and Reporting Threshold Act of 2017 H.R. 3089 Corporate Transparency Act of 2017, disclosure of beneficial owners and corporations H.R. 3221 Securing Access to Affordable Mortgages Act H.R. 3299 Protecting Consumers Access to Credit Act H.R. 3857 PASS Act of 2017: Repeal DOL Fiduciary Rule H.R. 3971 Community Institution Mortgage Relief Act H.R. 3978 TRID Improvement Act H.R. 4015 Corporate Governance Reform and Transparency Act H.R. 4464 Common Sense Credit Union Capital Relief Act. Would repeal the National Credit Union Administrations (NCUAs) risk-based capital rule for credit unions H.R. 4545 The Financial Institutions Examination Fairness and Reform Act H.R. 4562 Community Bank Access to Capital Act of 2017 H.R. 4607 Comprehensive Regulatory Review Act H.R. 4648 Home Mortgage Reporting Relief Act H.J. Res 111 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. 366 Tailor Act of 2017 S. 387 CFPB Accountability Act S. 563 The Flood Insurance Market Parity and Modernization Act S. 567 Federal Savings Association Charter Flexibility Act of 2017 S. 1002 CLEAR Relief Act S. 1152 SAFE Banking Act S. 1264 Community Bank Sensible Regulation Act of 2017 S. 1284 Small Bank Holding Company Relief Act S. 1310 Home Mortgage Disclosure Adjustment Act S. 1315 Relationship Lending Preservation Act of 2017 S. 1368 Sustainable, Affordable, Fair, and Efficient (SAFE) National Flood Insurance Program Reauthorization Act of 2017 S. 1445 Repeatedly Flooded Communities Preparation Act S. 1463 To amend the Financial Stability Act of 2010 to modify the term of the independent member of the Financial Stability Oversight Council S. 1499 A bill to increase from $10B to $50B the threshold figure at which regulated depository institutions are subject to direct examination and reporting requirements of the Bureau of Consumer Financial Protection, and for other purposes. S. 1507 A bill to amend the National Flood Insurance Act of 1968 to allow the Administrator of the Federal Emergency Management Agency to provide capitalization grants to States to establish revolving funds to provide funding assistance to reduce flood risks, and for other purposes S. 1571 National Flood Insurance Program Reauthorization Act of 2017 S. 1642 Protecting Consumers Access to Credit Act S. 1647 TRUPS Reform S. 2116 Community Lender Exam Act S. 2155 Economic Growth Regulatory Relief and Consumer Protection Act 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" Arbitration Bank Qualified Bonds Issuance Limit Bank Secrecy Act/Anti-Money Laundering Rules, including Beneficial Ownership Issue Call Report Streamlining Capital Access for Community Banks Capital Rules--Basel III, including treatment of commercial real estate loans and Small Bank Holding Company Policy Statement asset threshold CFPB Data Aggregation CFPB Data Collection CFPB Overdraft CFPB Reforms/Governance Structure CFPB Small Business Loan Data Collection Community Bank Examination Appeals Credit Union Business Lending Powers Credit Union Field of Membership Rules Credit Union Supplemental Capital Cybersecurity - Information Sharing Data Security and Breaches De Novo Bank Applications Durbin Interchange Amendment Equifax Data Breach Faster Payments Flood Insurance Reauthorization Home Mortgage Disclosure Act (HMDA) Regulations Housing Finance Reform Industrial Loan Corporation Loophole/Exemption from Bank Holding Company Act/Square Financial Services Inc (ILC) deposit insurance application Innovation Initiative (FinTech) Interchange Mortgage Lending Reform Qualified Mortgages, Ability to Repay Rules Regulatory Burden Relief for Community Banks Regulatory and Tax Relief for Community Banks SBA 7(a) Lending Limit Support for the nomination of Kimberly A. Reed for Vice Chairman of the Export-Import Bank Virtual Currency

H.R. 10 Financial CHOICE Act H.R. 924 Financial Institutions Due Process Act H.R. 1116 Tailor Act of 2017 H.R. 1244 Credit Union Access to Supplemental Capital H.R. 1264 Community Financial Institutions Exemption Act H.R. 1422 Flood Insurance Development Modernization Act H.R. 1426 Federal Savings Association Charter Flexibility Act H.R. 1558 Repeated Flooded Communities Preparation Act H.R. 1595 Mutual Bank Capital Opportunity Act of 2017 H.R. 1813 The Border Wall Funding Act of 2017, remittance fees/taxes H.R. 1929 Empowering Homeowners to Mitigate Flood Damage Act of 2017 H.R. 1948 Small Bank Holding Company Relief Act H.R. 1958 Protecting Americans from Credit Entanglements Act of 2017, PACE loan disclosures H.R. 1964 Community Mortgage Lender Regulatory Act of 2017 H.R. 2121 Pension, Endowment, and Mutual Fund Access to Banking Act, supplemental leverage ratio rules H.R. 2133 CLEAR Relief Act H.R. 2148 Clarifying Commercial Real Estate Loans, treatment of loans under regulatory capital rules H.R. 2170 Flood and Agriculture Risk Management Cost Reduction Act of 2017 H.R. 2204 Homeowner Information Privacy Protection H.R. 2215 SAFE Act of 2017 H.R. 2226 The Portfolio Lending and Mortgage Access Act H.R. 2319 Consumer Financial Choice and Capital Markets Protection Act of 2017 H.R. 2396 Privacy Notification Technical Clarification Act H.R. 2403 Keeping Capital Local for Underserved Communities Act H.R. 2553 Taking Account of Bureaucrats Spending Act H.R. 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 H.R. 2570 Mortgage Fairness Act H.R. 2706 Financial Institution Customer Protection Act: Anti-Choke Point Provisions H.R. 2793 Consumer Transaction Account Protection Act H.R. 2868 National Flood Insurance Program Policyholder Protection Act of 2017 H.R. 2874 21st Century Flood Reform Act H.R. 2875 National Flood Insurance Program Administrative Reform Act of 2017 H.R. 2948 To amend the S.A.F.E. Mortgage Licensing Act of 2008 to provide a temporary license for loan originators transitioning between employers, and for other purposes H.R. 2954 Home Mortgage Disclosure Adjustment Act H.R. 3070 To amend the Federal Deposit Insurance Act to clarify the definition of a deposit broker, and for other purposes H.R. 3072 Bureau of Consumer Financial Protection Examination and Reporting Threshold Act of 2017 H.R. 3089 Corporate Transparency Act of 2017, disclosure of beneficial owners and corporations H.R. 3110 To amend the Financial Stability Act of 2010 to modify the term of the independent member of the Financial Stability Oversight Council H.R. 3135 To authorize the Administrator of the Federal Emergency Management Agency to make grants to consortia of States and communities to hire individuals to coordinate the Community Rating System program under the National Flood Insurance Program for the States and communities who are members of the consortia, and for other purposes H.R. 3221 Securing Access to Affordable Mortgages Act H.R. 3299 Protecting Consumers Access to Credit Act H.R. 3857 PASS Act of 2017: Repeal DOL Fiduciary Rule H.R. 3971 Community Institution Mortgage Relief Act H.J. Res 111 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. 105 Consumer Financial Protection Board Act of 2017 S. 366 Tailor Act of 2017 S. 387 CFPB Accountability Act S. 563 The Flood Insurance Market Parity and Modernization Act S. 567 Federal Savings Association Charter Flexibility Act of 2017 S. 881 21st Century Glass-Steagall Act of 2017 S. 923 Reforming Finances for Local Economies Act S. 1002 CLEAR Relief Act S. 1056 The Veteran Small Business Export Promotion Act S. 1117 A bill to protect the investment choices of investors in the United States, and for other purposes S. 1139 Main Street Regulatory Fairness Act S. 1152 SAFE Banking Act S. 1264 Community Bank Sensible Regulation Act of 2017 S. 1284 Small Bank Holding Company Relief Act S. 1310 Home Mortgage Disclosure Adjustment Act S. 1315 Relationship Lending Preservation Act of 2017 S. 1368 Sustainable, Affordable, Fair, and Efficient (SAFE) National Flood Insurance Program Reauthorization Act of 2017 S. 1389 Military Consumer Enforcement Act S. 1445 Repeatedly Flooded Communities Preparation Act S. 1463 To amend the Financial Stability Act of 2010 to modify the term of the independent member of the Financial Stability Oversight Council S. 1499 A bill to increase from $10B to $50B the threshold figure at which regulated depository institutions are subject to direct examination and reporting requirements of the Bureau of Consumer Financial Protection, and for other purposes. S. 1500 Keeping Capital Local for Underserved Communities Act, treatment of reciprocal deposits as non-brokered deposits) S. 1507 A bill to amend the National Flood Insurance Act of 1968 to allow the Administrator of the Federal Emergency Management Agency to provide capitalization grants to States to establish revolving funds to provide funding assistance to reduce flood risks, and for other purposes S. 1571 National Flood Insurance Program Reauthorization Act of 2017 S. 1579 CFPB Advisory Board Enhancement Act S. 1642 Protecting Consumers Access to Credit Act S. 1647 TRUPS Reform 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" Arbitration Bank Qualified Bonds Issuance Limit Bank Secrecy Act/Anti-Money Laundering Rules, including Beneficial Ownership Issue Call Report Streamlining Capital Access for Community Banks Capital Rules--Basel III, including treatment of commercial real estate loans and Small Bank Holding Company Policy Statement asset threshold CFPB Data Aggregation CFPB Data Collection CFPB Overdraft CFPB Reforms/Governance Structure CFPB Small Business Loan Data Collection CFPB Small Dollar/Payday Lending Proposed Rules Collins Amendment (Section 171) to Dodd-Frank Act (Bank Capital Rules) Community Bank Examination Appeals Credit Union Business Lending Powers Credit Union Field of Membership Rules Credit Union Supplemental Capital Cybersecurity - Information Sharing Data Security and Breaches Debit Interchange and Routing De Novo Bank Applications Department of Justice Operation Chokepoint Durbin Amendment Equifax Data Breach Fair Lending Enforcement Faster Payments Financial Services and General Government Appropriations Act of 2018 Fintech Limited Purpose National Bank Charter Flood Insurance Reauthorization Home Mortgage Disclosure Act (HMDA) Regulations Housing Finance Reform Hurricane and Disaster Relief and Recovery Measures Industrial Loan Corporation Loophole/Exemption from Bank Holding Company Act Innovation Initiative (FinTech) Interchange Mortgage Lending Reform Mutual Banks National Credit Union Administration Payments for Legal Fees Qualified Mortgages, Ability to Repay Rules Regulatory Burden Relief for Community Banks Regulatory and Tax Relief for Community Banks SBA 7(a) Lending Limit Support for the nomination of Mr. Joseph Otting for Comptroller of the Currency Support for the nomination of The Honorable Randal Quarles for Vice Chairman for Supervision of the Board of Governors of the Federal Reserve System Virtual Currency

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR 10, HR 389, HR 1018, HR 1031, HR 1116, HR 1153, HR 1244, HR 1264, HR 1401, HR 1422, HR 1423, HR 1426, HR 1529, HR 1699, HR 1801, HR 1958, HR 1964, HR 2133, HR 2170, HR 2215, HR 2226, HR 2246, HR 2359, HR 2403, HR 2553, HR 2570, HR 2706, HR 2793, HR 2868, HR 2874, HR 2875, HR 2877, HR 2890, HR 2954, HR 3072, HR 3110, HR 3312, HR 3354, HR 3746, HR 3758, HR 3766, HR 3857, HR 3866; HJ Res 62, HJ Res 73, HJ Res 111; S 21, S 105, S 223, SJ Res 19, S 365, S 366, S 370, S 387, S 563, S 567, S 836, S 838, S 1002, S 1264, S 1284, S 1313, S 1315, S 1368, S 1389, S 1499, S 1571, S 1579, S 1642, S 1753, S 1810; SJ Res 47; data security and cybersecurity: patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

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

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR 10 HR 26, HR 389, HJ Res 62, HR 1018, HR 1031, HJ Res 73, HR 1116, HR 1153, HR 1244, HR 1264, HR 1366, HR 1401, HR 1422, HR 1423, HR 1426, HR 1459,, HR 1699, HR 1801, HR 1833, HR 1929, HR 1948, HR 1958, HR 1964, HR 2054, HR 2133, HR 2148, HR 2170, HR 2204, HR 2215, HR 2226, HR 2246, HR 2359, HR 2396, HR 2403, HR 2548, HR 2553, HR 2565, HR 2570, HR 2706, HR 2793, HR 2868, HR 2874, HR 2875, HR 2877, HR 2890; S 21, S 105, S 223, SJ Res 19, S 365, S 366, S 370, S 387, S 389, S 563, S 567, S 626, S 639, S 836, S 838, S 869, S 1002, S 1058, S 1264, S 1284, S 130, S 1313, S 1315, S 1368, data security and cybersecurity: patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 10 Financial CHOICE Act H.R. 924 Financial Institutions Due Process Act H.R. 1116 Tailor Act of 2017 H.R. 1244 Credit Union Access to Supplemental Capital H.R. 1264 Community Financial Institutions Exemption Act H.R. 1422 Flood Insurance Market Parity and Modernization Act H.R. 1426 Federal Savings Association Charter Flexibility Act H.R. 1558 Repeated Flooded Communities Preparation Act H.R. 1595 Mutual Bank Capital Opportunity Act of 2017 H.R. 1813 The Border Wall Funding Act of 2017 H.R. 1929 Empowering Homeowners to Mitigate Flood Damage Act of 2017 H.R. 1948 Small Bank Holding Company Relief Act H.R. 1958 Protecting Americans from Credit Entanglements Act of 2017 H.R. 1964 Community Mortgage Lender Regulatory Act of 2017 H.R. 2121 Pension, Endowment, and Mutual Fund Access to Banking Act H.R. 2133 CLEAR Relief Act H.R. 2148 Clarifying Commercial Real Estate Loans H.R. 2170 Flood and Agriculture Risk Management Cost Reduction Act of 2017 H.R. 2204 Homeowner Information Privacy Protection H.R. 2215 SAFE Act of 2017 H.R. 2226 The Portfolio Lending and Mortgage Access Act H.R. 2319 Consumer Financial Choice and Capital Markets Protection Act of 2017 H.R. 2396 Privacy Notification Technical Clarification Act H.R. 2403 Keeping Capital Local for Underserved Communities Act H.R. 2553 Taking Account of Bureaucrats Spending Act H.R. 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 H.R. 2570 Mortgage Fairness Act H.R. 2706 Financial Institution Customer Protection Act: Anti-Choke Point Provisions H.R. 2793 Consumer Transaction Account Protection Act H.R. 2868 National Flood Insurance Program Policyholder Protection Act of 2017 H.R. 2874 21st Century Flood Reform Act H.R. 2875 National Flood Insurance Program Administrative Reform Act of 2017 H.R. 2948 To amend the S.A.F.E. Mortgage Licensing Act of 2008 to provide a temporary license for loan originators transitioning between employers, and for other purposes H.R. 2954 Home Mortgage Disclosure Adjustment Act H.R. 3070 To amend the Federal Deposit Insurance Act to clarify the definition of a deposit broker, and for other purposes H.R. 3072 Bureau of Consumer Financial Protection Examination and Reporting Threshold Act of 2017 H.R. 3089 Corporate Transparency Act of 2017 H.R. 3110 To amend the Financial Stability Act of 2010 to modify the term of the independent member of the Financial Stability Oversight Council H.R. 3135 To authorize the Administrator of the Federal Emergency Management Agency to make grants to consortia of States and communities to hire individuals to coordinate the Community Rating System program under the National Flood Insurance Program for the States and communities who are members of the consortia, and for other purposes S. 105 Consumer Financial Protection Board Act of 2017 S. 366 Tailor Act of 2017 S. 387 CFPB Accountability Act S. 563 The Flood Insurance Market Parity and Modernization Act S. 567 Federal Savings Association Charter Flexibility Act of 2017 S. 881 21st Century Glass-Steagall Act of 2017 S. 923 Reforming Finances for Local Economies Act S. 1002 CLEAR Relief Act S. 1056 The Veteran Small Business Export Promotion Act S. 1117 A bill to protect the investment choices of investors in the United States, and for other purposes S. 1139 Main Street Regulatory Fairness Act S. 1152 SAFE Banking Act S. 1264 Community Bank Sensible Regulation Act of 2017 S. 1284 Small Bank Holding Company Relief Act S. 1310 Home Mortgage Disclosure Adjustment Act S. 1315 Relationship Lending Preservation Act of 2017 S. 1368 Sustainable, Affordable, Fair, and Efficient (SAFE) National Flood Insurance Program Reauthorization Act of 2017 S. 1389 Military Consumer Enforcement Act S. 1445 Repeatedly Flooded Communities Preparation Act S. 1449 A bill to increase from $10B to $50B the threshold figure at which regulated depository institutions are subject to direct examination and reporting requirements of the Bureau of Consumer Financial Protection, and for other purposes. S. 1463 To amend the Financial Stability Act of 2010 to modify the term of the independent member of the Financial Stability Oversight Council S. 1500 Reciprocal Deposits (Treatment as Non-Brokered Deposits) S. 1507 A bill to amend the National Flood Insurance Act of 1968 to allow the Administrator of the Federal Emergency Management Agency to provide capitalization grants to States to establish revolving funds to provide funding assistance to reduce flood risks, and for other purposes Americans with Disabilities Act Website Compliance Bank Secrecy Act/Anti-Money Laundering Rules, including Beneficial Ownership Issue Call Report Streamlining Capital Access for Community Banks Capital Rules--Basel III, including Treatment of Commercial Real Estate Loans CFPB Data Aggregation CFPB Data Collection CFPB Overdraft CFPB Reforms/Governance CFPB Small Business Loan Data Collection CFPB Small Dollar/Payday Lending Proposed Rules Collins Amendment (Section 171) to Dodd-Frank Act (Bank Capital Rules) Community Bank Examination Appeals Credit Union Business Lending Powers Credit Union Field of Membership Rules Credit Union Supplemental Capital Cybersecurity - Information Sharing Data Security and Breaches Debit Interchange and Routing De Novo Bank Applications Department of Justice Operation Chokepoint Durbin Amendment EMV Chip Migration Fair Lending Enforcement Faster Payments Financial Services and General Government Appropriations Act of 2018 Fintech Limited Purpose National Bank Charter Flood Insurance Reauthorization Home Mortgage Disclosure Act (HMDA) Regulations Housing Finance Reform Innovation Initiative (FinTech) Interchange Military Bank Leases Military Lending Act Regulations Mortgage Lending Reform Mutual Banks Qualified Mortgages, Ability to Repay Rules Regulatory Burden for Community Banks Regulatory and Tax Relief for Community Banks SBA 7(a) Lending Limit Virtual Currency