Federal Insurance Office Abolishment Act of 2019

H.R. 5084 - Improving Corporate Governance Through Diversity Act. H.R. 5360 - Closing the Racial Wealth Gap Act. H.R. 281 - Ensuring Diverse Leadership Act. H.R. 7946 and S. 4464 - Federal Reserve Racial and Economic Equity Act. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III. Export Import Bank: additionality policies and procedures. Discussion Draft: International Insurance Standards Act. H.R. 1596/S. 627 - The Secure and Fair Enforcement or SAFE Banking Act of 2019. S. 2201 - The Clarifying Law Around Insurance of Marijuana (CLAIM) Act. H.R. 1832 - Insurance Fairness for First Responders Act of 2019. S. 3533 Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2020 Potential ESG Legislation. H.R. 2474/S.664 - Protecting Workers Freedom to Organize Act. To amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959. Issue: independent contractor status. H.R. 6994/S. 3795 - Registration for Index-Linked Annuities Act. To direct the SEC to revise any rules necessary to enable issuers of index-linked annuities to use the securities offering forms that are available to other issuers of securities. Issue: index-linked annuities. S.__ Clarifying that the CFPB does not regulate the business of insurance. Issue: Making Diversity and Inclusion Efforts more Intentional. No bill number assigned. Potential legislation on banning short selling H.R. 1862/S. 1586 - Federal Insurance Office Abolishment Act of 2019. Issue: FIO reform. Discussions related to the following bills from the previous Congress: H.R. 10 - Financial CHOICE Act. Issue: Implementation and regulatory reform of the financial services industry. Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy. H.R. 7809 - Helping Open Properties Endeavor (HOPE) Act of 2020. This bill establishes an equity facility in the Department of the Treasury to assist commercial mortgage borrowers. Specifically, Treasury must guarantee the purchase by financial institutions of certain equity instruments backed by a commercial mortgage. The bill defines commercial mortgage as a mortgage loan secured by an interest in real property owned for rental income. Borrowers with reduced revenues from their commercial property may qualify for an amount not to exceed 10% of the outstanding amount owed on their commercial mortgage. Issue: Commercial mortgages. Section 4013 and 4014 of the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) - Jones/McSally amendment advocating for the inclusion of financial institutions in both provisions. H.R. 7913 - Financial Institution Forbearance Act. To amend the CARES Act to improve the temporary relief from troubled debt restructurings, and for other purposes. Issue: troubled debt restructurings. H.R. 7914 - Eliminating CECL Accounting Standard Act. This bill provides that no one shall be required to comply with a specified accounting standard applicable to credit losses (i.e., the current expected credit losses standard, also known as the CECL standard). Issue: CECL

Client expense: $360,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III * Implementation of S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issue: CECL, TDR, Remote Online Notarization, SBA loans. H.R. 1815 - SEC Disclosure Effectiveness Test Act. Issue: SEC investor testing. H.R. 1862/S. 1586 - Federal Insurance Office Abolishment Act of 2019. Issue: FIO reform. H.R. 3561/S. 603 - Financial Stability Oversight Council Improvement Act of 2019. Issue: FSOC reform. H.R. 1595/S. 1200 - Secure and Fair Enforcement Banking Act. Issue: Insurance companies working with legitimate marijuana businesses. H.R. 3351- Financial Services and General Government Appropriations Act, 2020. Issue: Making appropriations for financial services and general government for the fiscal year ending September 30, 2020. H.R. 3614 - Restricting Use of Credit Checks for Employment Decisions Act. Issue: ban the use of credit information for most employment decisions. H.R. 2474/S.664 - Protecting Workers Freedom to Organize Act. To amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959. Issue: independent contractor status. H.R. 4592 - International Insurance Standards Act of 2019. To preserve the state-based system of insurance regulation and provide greater oversight of and transparency on international insurance standards setting process. Issue: insurance capital standards. * H.R. 6994/S. 3795 - Registration for Index-Linked Annuities Act. To direct the SEC to revise any rules necessary to enable issuers of index-linked annuities to use the securities offering forms that are available to other issuers of securities. Issue: index-linked annuities. S. 3533/H.R. 6364 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2020. To authorize and establish minimum standards for electronic and remote notarizations that occur in or affect interstate commerce, to require any Federal court located in a State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce, and to require any State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce or when the notarization was performed under or relates to a public act, record, or judicial proceeding of the State in which the notary public was commissioned. Issue: remote online notarization. S. 4159 - Electronic Signatures in Global and National Commerce Act. To amend the Electronic Signatures in Global and National Commerce Act to accommodate emerging technologies. Issue: electronic signatures H.R. 7809 - Helping Open Properties Endeavor (HOPE) Act of 2020. This bill establishes an equity facility in the Department of the Treasury to assist commercial mortgage borrowers. Specifically, Treasury must guarantee the purchase by financial institutions of certain equity instruments backed by a commercial mortgage. The bill defines commercial mortgage as a mortgage loan secured by an interest in real property owned for rental income. Borrowers with reduced revenues from their commercial property may qualify for an amount not to exceed 10% of the outstanding amount owed on their commercial mortgage. Issue: Commercial mortgages. H.R. 7913 - Financial Institution Forbearance Act. To amend the CARES Act to improve the temporary relief from troubled debt restructurings, and for other purposes. Issue: troubled debt restructurings. H.R. 7914 - Eliminating CECL Accounting Standard Act. This bill provides that no one shall be required to comply with a specified accounting standard applicable to credit losses (i.e., the current expected credit losses standard, also known as the CECL standard). Issue: CECL H.R.__ - To deem certain references to the London Interbank Offered Rate (LIBOR) as referring to a replacement benchmark rate in the case of LIBOR no longer being available. Issue: LIBOR H.R.__ - Clarity in Credit Score Formation Act. Issue: Establishing clear federal oversight of the development of credit scoring models. S.__ Clarifying that the CFPB does not regulate the business of insurance. Issue: Commercial mortgage-backed security (CMBS) debt. Not bill number assigned. Issue: Making Diversity and Inclusion Efforts more Intentional. No bill number assigned. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Government Sponsored Enterprises (GSE) reform. No bill number assigned.

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

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

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Implementation of S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issue: CECL, TDR, Remote Online Notarization, SBA loans. H.R. 1815 - SEC Disclosure Effectiveness Test Act. Issue: SEC investor testing. H.R. 1862/S. 1586 - Federal Insurance Office Abolishment Act of 2019. Issue: FIO reform. H.R. 3561/S. 603 - Financial Stability Oversight Council Improvement Act of 2019. Issue: FSOC reform. H.R. 1595/S. 1200 - Secure and Fair Enforcement Banking Act. Issue: Insurance companies working with legitimate marijuana businesses. H.R. 3351- Financial Services and General Government Appropriations Act, 2020. Issue: Making appropriations for financial services and general government for the fiscal year ending September 30, 2020. H.R. 3614 - Restricting Use of Credit Checks for Employment Decisions Act. Issue: ban the use of credit information for most employment decisions. H.R. 2474/S.664 - Protecting Workers Freedom to Organize Act. To amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959. Issue: independent contractor status. H.R. 4592 - International Insurance Standards Act of 2019. To preserve the state-based system of insurance regulation and provide greater oversight of and transparency on international insurance standards setting process. Issue: insurance capital standards. H.R. 6994/S. 3795 - Registration for Index-Linked Annuities Act. To direct the SEC to revise any rules necessary to enable issuers of index-linked annuities to use the securities offering forms that are available to other issuers of securities. Issue: index-linked annuities. S. 3533/H.R. 6364 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2020. To authorize and establish minimum standards for electronic and remote notarizations that occur in or affect interstate commerce, to require any Federal court located in a State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce, and to require any State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce or when the notarization was performed under or relates to a public act, record, or judicial proceeding of the State in which the notary public was commissioned. Issue: remote online notarization. S. 4159 - Electronic Signatures in Global and National Commerce Act. To amend the Electronic Signatures in Global and National Commerce Act to accommodate emerging technologies. Issue: electronic signatures H.R. 7809 - Helping Open Properties Endeavor (HOPE) Act of 2020. This bill establishes an equity facility in the Department of the Treasury to assist commercial mortgage borrowers. Specifically, Treasury must guarantee the purchase by financial institutions of certain equity instruments backed by a commercial mortgage. The bill defines commercial mortgage as a mortgage loan secured by an interest in real property owned for rental income. Borrowers with reduced revenues from their commercial property may qualify for an amount not to exceed 10% of the outstanding amount owed on their commercial mortgage. Issue: Commercial mortgages. H.R. 7913 - Financial Institution Forbearance Act. To amend the CARES Act to improve the temporary relief from troubled debt restructurings, and for other purposes. Issue: troubled debt restructurings. H.R. 7914 - Eliminating CECL Accounting Standard Act. This bill provides that no one shall be required to comply with a specified accounting standard applicable to credit losses (i.e., the current expected credit losses standard, also known as the CECL standard). Issue: CECL H.R. 133 - Consolidated Appropriations Act of 2021. Year end funding and COVID relief bill. Issue: The CARES Act temporarily suspends the generally accepted accounting principles (GAAP) requirements for the Troubled Debt Restructuring (TDR) classifications on loans. Extends this provision for an additional year, to January 1, 2022. S. 4325 - Business of Insurance Regulatory Reform Act of 2020. Issue: Clarifying that the CFPB does not regulate the business of insurance. H.R.__ - To deem certain references to the London Interbank Offered Rate (LIBOR) as referring to a replacement benchmark rate in the case of LIBOR no longer being available. Issue: LIBOR H.R.__ - Clarity in Credit Score Formation Act. Issue: Establishing clear federal oversight of the development of credit scoring models. Issue: Commercial mortgage-backed security (CMBS) debt. Not bill number assigned. Issue: Making Diversity and Inclusion Efforts more Intentional. No bill number assigned. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Government Sponsored Enterprises (GSE) reform. No bill number assigned.

Client expense: $909,813 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Implementation of S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issue: CECL, TDR, Remote Online Notarization, SBA loans. H.R. 1815 - SEC Disclosure Effectiveness Test Act. Issue: SEC investor testing. H.R. 1862/S. 1586 - Federal Insurance Office Abolishment Act of 2019. Issue: FIO reform. H.R. 3561/S. 603 - Financial Stability Oversight Council Improvement Act of 2019. Issue: FSOC reform. H.R. 1595/S. 1200 - Secure and Fair Enforcement Banking Act. Issue: Insurance companies working with legitimate marijuana businesses. H.R. 3351- Financial Services and General Government Appropriations Act, 2020. Issue: Making appropriations for financial services and general government for the fiscal year ending September 30, 2020. H.R. 3614 - Restricting Use of Credit Checks for Employment Decisions Act. Issue: ban the use of credit information for most employment decisions. H.R. 2474/S.664 - Protecting Workers Freedom to Organize Act. To amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959. Issue: independent contractor status. H.R. 4592 - International Insurance Standards Act of 2019. To preserve the state-based system of insurance regulation and provide greater oversight of and transparency on international insurance standards setting process. Issue: insurance capital standards. H.R. 6994/S. 3795 - Registration for Index-Linked Annuities Act. To direct the SEC to revise any rules necessary to enable issuers of index-linked annuities to use the securities offering forms that are available to other issuers of securities. Issue: index-linked annuities. S. 3533/H.R. 6364 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2020. To authorize and establish minimum standards for electronic and remote notarizations that occur in or affect interstate commerce, to require any Federal court located in a State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce, and to require any State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce or when the notarization was performed under or relates to a public act, record, or judicial proceeding of the State in which the notary public was commissioned. Issue: remote online notarization. S. 4159 - Electronic Signatures in Global and National Commerce Act. To amend the Electronic Signatures in Global and National Commerce Act to accommodate emerging technologies. Issue: electronic signatures H.R. 7809 - Helping Open Properties Endeavor (HOPE) Act of 2020. This bill establishes an equity facility in the Department of the Treasury to assist commercial mortgage borrowers. Specifically, Treasury must guarantee the purchase by financial institutions of certain equity instruments backed by a commercial mortgage. The bill defines commercial mortgage as a mortgage loan secured by an interest in real property owned for rental income. Borrowers with reduced revenues from their commercial property may qualify for an amount not to exceed 10% of the outstanding amount owed on their commercial mortgage. Issue: Commercial mortgages. H.R. 7913 - Financial Institution Forbearance Act. To amend the CARES Act to improve the temporary relief from troubled debt restructurings, and for other purposes. Issue: troubled debt restructurings. H.R. 7914 - Eliminating CECL Accounting Standard Act. This bill provides that no one shall be required to comply with a specified accounting standard applicable to credit losses (i.e., the current expected credit losses standard, also known as the CECL standard). Issue: CECL H.R. 133 - Consolidated Appropriations Act of 2021. Year end funding and COVID relief bill. Issue: The CARES Act temporarily suspends the generally accepted accounting principles (GAAP) requirements for the Troubled Debt Restructuring (TDR) classifications on loans. Extends this provision for an additional year, to January 1, 2022. S. 4325 - Business of Insurance Regulatory Reform Act of 2020. Issue: Clarifying that the CFPB does not regulate the business of insurance. H.R.__ - To deem certain references to the London Interbank Offered Rate (LIBOR) as referring to a replacement benchmark rate in the case of LIBOR no longer being available. Issue: LIBOR H.R.__ - Clarity in Credit Score Formation Act. Issue: Establishing clear federal oversight of the development of credit scoring models. Issue: Commercial mortgage-backed security (CMBS) debt. Not bill number assigned. Issue: Making Diversity and Inclusion Efforts more Intentional. No bill number assigned. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Government Sponsored Enterprises (GSE) reform. No bill number assigned.

Client expense: $909,813 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1862 - Federal Insurance Office Abolishment Act of 2019 H.R. 2479 - Primary Regulators of Insurance Vote Act of 2019 or the PRIVA Act H.R. 4074 - Clarifying Law Around Insurance of Marijuana Act or the CLAIM Act H.R. 4592 - International Insurance Standards Act of 2019 S. 1298 - Primary Regulators of Insurance Vote Act of 2019 or the PRIVA Act S. 1586 - Federal Insurance Office Abolishment Act of 2019 S. 2201 - Clarifying Law Around Insurance of Marijuana Act or the CLAIM Act International insurance legislation

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

Government targets: Commodity Futures Trading Commission (CFTC), Export-Import Bank of the United States (EXIM Bank), Federal Housing Finance Agency (FHFA), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 1862 - Federal Insurance Office Abolishment Act of 2019; H.R. 2479 - Primary Regulators of Insurance Vote Act of 2019 or the PRIVA Act; H.R. 4074 - Clarifying Law Around Insurance of Marijuana Act or the CLAIM Act; H.R. 4592 - International Insurance Standards Act of 2019; S. 1298 - Primary Regulators of Insurance Vote Act of 2019 or the PRIVA Act; S. 1586 - Federal Insurance Office Abolishment Act of 2019; S. 2201 - Clarifying Law Around Insurance of Marijuana Act or the CLAIM Act; International insurance legislation.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, SENATE

H.R. 1862 - To Abolish the Federal Insurance Office of the Department of the Treasury, and for other purposes (Alexander Mooney, R-WV-2) S.1586 - Federal Insurance Office Abolishment Act of 2019 (Ted Cruz, R-TX) H.R.2684 - To require the Federal Insurance Office of the Department of the Treasury to conduct a study to identify disparities between communities in auto insurance costs and payout amounts based on the predominant racial makeup of such communities, and for other purposes (Mark Takano, D-CA-41) S.1868 - A bill to provide support to States to establish invisible high-risk pool or reinsurance programs (Susan Collins, R-ME) H.R.2479 - Primary Regulators of Insurance Vote Act of 2019 (Denny Heck, D-WA-10) S.1298 - Primary Regulators of Insurance Vote Act of 2019 (Tim Scott, R-SC) H.R.4074 - To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business, and for other purposes (Nydia Velazquez, D-NY-7) H.R.4037 - To promote uniformity and reciprocity among States that license insurance claims adjusters and to facilitate prompt and efficient adjusting of insurance claims, and for other purposes (David Kustoff, R-TN-8) S.2201 - CLAIM Act (Robert Menendez, D-NJ) oHouse bill: H.R.4074 (Nydia Velazquez, D-NY-7) H.R.3693 - Prohibit Auto Insurance Discrimination Act (Bonnie Watson Coleman, D-NJ-12) H.R.4523 - To amend the Liability Risk Retention Act of 1986 to expand the types of commercial insurance authorized for risk retention groups serving nonprofit organizations, and for other purposes (Al Green, D-TX-9) H.R.4592 - To preserve the State-based system of insurance regulation and provide greater oversight of and transparency on international insurance standards setting processes, and for other purposes (Denny Heck, D-WA-10) H.R.4598 - To amend the Internal Revenue Code of 1986 to provide an exemption from FIRPTA for interests held by certain foreign insurance companies (Thomas Suozzi, D-NY-3) H.R.4634 - Terrorism Risk Insurance Program Reauthorization Act of 2019 - To reauthorize the Terrorism Risk Insurance Act of 2002, and for other purposes (Maxine Waters, D-CA-43) S.2877 - Terrorism Risk Insurance Program Reauthorization Act of 2019 (Thom Tillis, R-NC) H.R.5265 - To provide for the restoration of legal rights for claimants under holocaust-era insurance policies (Debbie Wasserman Schultz, D-FL-23) S.3123 - State Insurance Regulation Preservation Act (Thom Tillis, R-NC) S.2964 - A bill to amend title 49, United States Code, to extend the authority of the Secretary of Transportation to issue non-premium aviation insurance (Roger Wicker, R-MS) H.R.5746 - To amend the Internal Revenue Code of 1986 to provide special rules for purposes of determining if financial guaranty insurance companies are qualifying insurance corporations under the passive foreign investment company rules (Gwen Moore, D-WI-4) H.R.7412 - To establish a temporary voluntary program for support of insurers providing business interruption insurance coverage during the COVID-19 pandemic, and for other purposes (Mike Thompson, D-CA-5) H.R.6494 - To make available insurance coverage for business interruption losses due to viral pandemics, forced closures of businesses, mandatory evacuations, and public safety power shut-offs, and for other purposes (Mike Thompson, D-CA-5) H.R.6497 - To make available insurance coverage for business interruption losses due to national emergencies, and for other purposes (Mike Thompson, D-CA-5) H.R.6732 - To direct the Secretary of the Treasury to modify certain regulations relating to insurance-dedicated exchange-traded funds (Brad Wenstrup, R-OH-2) H.R.7011 - To establish a Pandemic Risk Reinsurance Program, and for other purposes (Carolyn Maloney, D-NY-12) H.R.7977 - To require federally licensed firearms manufacturers, importers, and dealers and their employees to undergo annual training to be eligible to sell a firearm, to require a notice to be posted at retail firearms locations that describes the signs of unlawful firearms purchases, to require such licensees to maintain a minimum level of business liability insurance, and for other purposes (Debbie Mucarsel-Powell) S.4755 - A bill to prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility (Cory Booker, D-NJ) H.R.8576 - To require the Government Accountability Office to conduct biennial studies of personal private automobile insurance coverage, and for other purposes (Rashida Tlaib, D-MI-13) H.R.8872 - To amend the Federal Home Loan Bank Act to enable captive insurance companies to apply for membership in the Federal Home Loan Bank System, to add additional membership criteria for captive insurance companies, to require a study on Federal Home Loan Bank membership, and for other purposes (Trey Hollingsworth, R-IN-9)

Client expense: $470,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Highway Traffic Safety Administration (NHTSA), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

-H.R.1756, Preventing Credit Score Discrimination in Auto Insurance Act - prohibit the use of consumer reports and consumer information in making any determination involving auto insurance -H.R.1862, To abolish the Federal Insurance Office of the Department of the Treasury -H.R.1595, SAFE Banking Act of 2019 - To create protections for depository institutions that provide financial services to cannabis-related legitimate businesses -H.R. 1832, Insurance Fairness for First Responders Act of 2019 - to prevent the denial of life insurance coverage for certain holders of Narcan/naloxone prescriptions -H.R. 1375, S. 1989 - Provide Accurate Information Directly (PAID) Act - to improve Medicare Secondary Payer process for Medicare Parts C and D -S. 603, Financial Stability Oversight Council Improvement Act of 2019 - to require the Financial Stability Oversight Council to consider alternative approaches before determining that a U.S. nonbank financial company shall be supervised by the Board of Governors of the Federal Reserve System -S.766, Providing Responsible Oversight of Trusts to Ensure Compensation and Transparency (PROTECT) for Asbestos Victims Act of 2019 - to promote the investigation of fraudulent claims against certain trusts and to provide penalties against fraudulent claims against certain trusts -H.R. 1185, S. 463, Family and Medical Insurance Leave (FAMILY) Act - To provide paid family and medical leave benefits to certain individuals -S.583, DATA Privacy Act - to establish federal data privacy standards S. 1028, H.R. 2093, Strengthening the Tenth Amendment Through Entrusting States (STATES) Act - creates safe harbor from federal laws when doing business with legal state marijuana business PL111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act Issue: International Insurance Capital Standards S.1214 - A bill to establish and protect individual and collective privacy rights, and for other purposes. S. 1298, H.R. 2479, Primary Regulators of Insurance Vote Act - to include the State insurance commissioner as a voting member of the Financial Stability Oversight Council S. 1628, Paid Family Leave Pilot Extension Act - would extend the program until 2022. S.1586, H.R. 1862, Federal Insurance Office Abolishment Act of 2019 - This bill eliminates the Federal Insurance Office (FIO) within the Department of the Treasury H.R. 3279, A bill to require the Securities and Exchange Commission to establish a Diversity Advisory Group to study and make recommendations on strategies to increase gender, racial, and ethnic diversity among the members of the board of directors of issuers, to amend the Securities Exchange Act of 1934 to require issuers to make disclosures to shareholders with respect to gender, racial, and ethnic diversity, and for other purposes Insurance Underwriting Insurance Capital Standards Autonomous Vehicles Data Privacy and Security H.R. 3693 - Prohibit Auto Insurance Discrimination Act - prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility. H.R. 4075, S.2201, the Clarifying Law Around Insurance of Marijuana (CLAIM) Act - To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business H.R. 1224, S. 511, Living Donor Protection Act - To promote and protect from discrimination living organ donors H.R. 2474, Protecting the Right to Organize (PRO) Act of 2019 - to amend labor requirements H.R. 4978, Online Privacy Act of 2019 - bill to establish federal data privacy framework. H.R. ___, Freezing Assets of Suspected Terrorists and Enemy Recruits (FASTER) Act -- require financial institutions to freeze the assets of people under suspicion of domestic terrorism H.R. 4523, Nonprofit Property Protection Act -- allows certain risk-retention groups that serve nonprofit organizations to offer additional types of commercial insurance. H.R. ___, House Energy & Commerce Committee Staff Bipartisan Data Privacy Draft - data privacy H.R. 5494, the Catastrophe Loss Mitigation Incentive and Tax Parity Act of 2019 -- ensure that state-based grants received by homeowners for disaster mitigation are not be subject to federal income tax. Issue: Rising Cost of Auto Repair H.R. 3462/S. 1958, SHELTER Act -- to provide tax credits to property owners who make qualified mitigation investments (based on the model of long-standing energy tax credits). HR.3781, Improving National Safety by Updating the Required Amount of Insurance Needed by Commercial Motor Vehicles per Event (INSURANCE) Act of 2019 -- increase the minimum levels of insurance for commercial vehicles S.3300, Data Protection Act of 2020 - to establish a Federal data protection agency, and for other purposes. HR __, Insurance Data Protection Act - to reform FIO data requests. DRAFT HR ___, Fair Auto Insurance Ratemaking (FAIR) Study Act of 2020 - to study discrimination in auto-insurance H.R.7412, Business Interruption Relief Act of 2020 - Federal subsidies for insurers that pay Business Interruption losses caused by the Coronavirus HR 6494, Business Interruption Insurance Coverage Act- Invalidate existing virus exclusions and mandate future BI coverage DRAFT, Data Accountability and Transparency Act of 2020 - Federal data privacy law S.3456, Consumer Data Privacy and Security Act of 2020 - federal data privacy H.R. 2, Moving Forward Act - Transportation and highway infrastructure package including COVID, insurance, and motor safety provisions. HR 7011, Pandemic Risk Insurance Act (PRIA) of 2020 - Govt backed program modeled after TRIA DRAFT, Business Continuity Protection Program - Joint trades pandemic risk proposal DRAFT, COVID-19 Business and Employee Continuity and Recovery Fund - Recovery fund DRAFT, Workplace Recovery Act (WRA) - Establishes government-funded business interruption insurance add-on HR 6497, Never Again Small Business Protection Act - Prospective coverage mandate Issue: Employer COVID-19 Liability DRAFT, Coronavirus Liability Act - proposal to create a liability safe harbor for businesses H.R. 7197, Real Economic Support That Acknowledges Unique Restaurant Assistance Needed to Survive (RESTAURANTS) Act of 2020 - $120b restaurant grant program H.R. 6364, S. 3533, Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act of 2020 - authorize minimum standards for electronic and remote notarizations Issue Diversity and Inclusion DRAFT, Data Security and Breach Notification Act of 2020 - to establish federal data breach standards (Portman/Carper) DRAFT, GAO study of insurance rating factors ISSUE: Pandemic Risk Insurance Programs DRAFT, Pandemic Business Interruption Program - Pandemic insurance program (Chubb) DRAFT, Business Continuity Coalition/New PRIA - pandemic insurance program (BCC) S 4159ESIGN Modernization Act - to modernize use of electronic documents S 4317SAFE to WORK Act - COVID liability protections for businesses S 4318American Workers, Families, and Employers Assistance Act - COVID relief S 4320Coronavirus Response Additional Supplemental Appropriations - COVID relief funding S 4321Continuing Small Business Recovery and Paycheck Protection Program Act - PPP extensions and reform S 4325Business of Insurance Regulatory Reform Act - clarification of CFPB jurisdiction related to insurance HR 7809 Helping Open Properties Endeavor (HOPE) Act of 2020 - equity facility in the Department of the Treasury to assist commercial mortgage borrowers S 178Delivering Immediate Relief to America's Families, School, and Small Businesses - omnibus COVID relief package HR 7978/S 4431 Emergency Wildfire and Public Safety Act of 2020 - to improve wildfire preparedness HR 8129 Drug Impaired Driving Education Act of 2020 - impaired driving education initiative HR 8132 American COMPETE Act - to study use of AI, drones, and autonomous vehicles HR 8015 Delivering for America Act - Postal service funding and operational changes S 4626SAFE DATA Act - to establish a federal privacy standard and other data use regulations HR 8350 SELF Drive Act - to establish a regulatory framework for autonomous vehicle regulation S. 4755 PAID Act - prohibit the use of certain auto insurance underwriting factors S.2604 Reduce Impaired Driving for Everyone Act of 2019 -- NHTSA to work with vehicle manufacturers, suppliers, and other entities to advance the technology developed by the Driver Alcohol Detection S.2968 Consumer Online Privacy Rights Act - bill to establish federal data privacy regulation HR 8524 Blockchain Records and Transactions Act -- To amend the Electronic Signatures in Global and National Commerce Act HR 11Commitment to American GROWTH Act-- to encourage investment to renew, restore, and rebuild the American economy for our workers, families, and small businesses, maximize innovation through research and development, and secure Americas medical supplies. HR 8576 PAID Study Act -- require the Government Accountability Office to conduct biennial studies of personal private automobile insurance coverage, and for other purposes. DRAFT LIBOR Transition Assistance Act -- deem certain references to the London Interbank Offered Rate (LIBOR) as referring to a replacement benchmark rate if LIBOR is no longer available, and for other purposes. S 4801Fair Access to Financial Services Act -- prohibits financial institutions from discriminating on the basis of race, color, religion, national origin, or sex, including sexual orientation and gender identity. HR 8698 Justice for All Act -- amend the Civil Rights Act of 1964 to clarify that disparate impacts on certain populations constitute a sufficient basis for rights of action under such Act S 5041Addressing Climate Financial Risk Act -- o establish the Advisory Committee on Climate Risk on the Financial Stability Oversight Council. HR 133 Consolidated Appropriations Act, 2021 - short-term appropriations

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

Government targets: Agriculture, Dept of (USDA), 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)

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Implementation of S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issue: CECL, TDR, Remote Online Notarization, SBA loans. H.R. 1815 - SEC Disclosure Effectiveness Test Act. Issue: SEC investor testing. H.R. 1862/S. 1586 - Federal Insurance Office Abolishment Act of 2019. Issue: FIO reform. H.R. 3561/S. 603 - Financial Stability Oversight Council Improvement Act of 2019. Issue: FSOC reform. H.R. 1595/S.___ - Secure and Fair Enforcement Banking Act. Issue: Insurance companies working with legitimate marijuana businesses. H.R. 3351- Financial Services and General Government Appropriations Act, 2020. Issue: Making appropriations for financial services and general government for the fiscal year ending September 30, 2020. H.R. 3614 - Restricting Use of Credit Checks for Employment Decisions Act. Issue: ban the use of credit information for most employment decisions. H.R. 2474/S.664 - Protecting Workers Freedom to Organize Act. To amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959. Issue: independent contractor status. H.R. 4592 - International Insurance Standards Act of 2019. To preserve the state-based system of insurance regulation and provide greater oversight of and transparency on international insurance standards setting process. Issue: insurance capital standards. H.R. 6994/S. 3795 - Registration for Index-Linked Annuities Act. To direct the SEC to revise any rules necessary to enable issuers of index-linked annuities to use the securities offering forms that are available to other issuers of securities. Issue: index-linked annuities. S. 3533/H.R. 6364 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2020. To authorize and establish minimum standards for electronic and remote notarizations that occur in or affect interstate commerce, to require any Federal court located in a State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce, and to require any State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce or when the notarization was performed under or relates to a public act, record, or judicial proceeding of the State in which the notary public was commissioned. Issue: remote online notarization. H.R.__ - Clarity in Credit Score Formation Act. Issue: Establishing clear federal oversight of the development of credit scoring models. S.__ Clarifying that the CFPB does not regulate the business of insurance. Issue: Commercial mortgage-backed security (CMBS) debt. Not bill number assigned. Issue: Making Diversity and Inclusion Efforts more Intentional. No bill number assigned. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Government Sponsored Enterprises (GSE) reform. No bill number assigned.

Client expense: $954,974 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Implementation of S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issue: CECL, TDR, Remote Online Notarization, SBA loans. H.R. 1815 - SEC Disclosure Effectiveness Test Act. Issue: SEC investor testing. H.R. 1862/S. 1586 - Federal Insurance Office Abolishment Act of 2019. Issue: FIO reform. H.R. 3561/S. 603 - Financial Stability Oversight Council Improvement Act of 2019. Issue: FSOC reform. H.R. 1595/S.___ - Secure and Fair Enforcement Banking Act. Issue: Insurance companies working with legitimate marijuana businesses. H.R. 3351- Financial Services and General Government Appropriations Act, 2020. Issue: Making appropriations for financial services and general government for the fiscal year ending September 30, 2020. H.R. 3614 - Restricting Use of Credit Checks for Employment Decisions Act. Issue: ban the use of credit information for most employment decisions. H.R. 2474/S.664 - Protecting Workers Freedom to Organize Act. To amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959. Issue: independent contractor status. H.R. 4592 - International Insurance Standards Act of 2019. To preserve the state-based system of insurance regulation and provide greater oversight of and transparency on international insurance standards setting process. Issue: insurance capital standards. H.R.__ - Clarity in Credit Score Formation Act. Issue: Establishing clear federal oversight of the development of credit scoring models. S.__ Clarifying that the CFPB does not regulate the business of insurance. Issue: Making Diversity and Inclusion Efforts more Intentional. No bill number assigned. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Government Sponsored Enterprises (GSE) reform. No bill number assigned.

Client expense: $752,105 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Implementation of S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issue: CECL, TDR, Remote Online Notarization, SBA loans. H.R. 1815 - SEC Disclosure Effectiveness Test Act. Issue: SEC investor testing. H.R. 1862/S. 1586 - Federal Insurance Office Abolishment Act of 2019. Issue: FIO reform. H.R. 3561/S. 603 - Financial Stability Oversight Council Improvement Act of 2019. Issue: FSOC reform. H.R. 1595/S.___ - Secure and Fair Enforcement Banking Act. Issue: Insurance companies working with legitimate marijuana businesses. H.R. 3351- Financial Services and General Government Appropriations Act, 2020. Issue: Making appropriations for financial services and general government for the fiscal year ending September 30, 2020. H.R. 3614 - Restricting Use of Credit Checks for Employment Decisions Act. Issue: ban the use of credit information for most employment decisions. H.R. 2474/S.664 - Protecting Workers Freedom to Organize Act. To amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959. Issue: independent contractor status. H.R. 4592 - International Insurance Standards Act of 2019. To preserve the state-based system of insurance regulation and provide greater oversight of and transparency on international insurance standards setting process. Issue: insurance capital standards. H.R.__ - Clarity in Credit Score Formation Act. Issue: Establishing clear federal oversight of the development of credit scoring models. S.__ Clarifying that the CFPB does not regulate the business of insurance. Issue: Making Diversity and Inclusion Efforts more Intentional. No bill number assigned. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Government Sponsored Enterprises (GSE) reform. No bill number assigned.

Client expense: $752,105 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Implementation of S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issue: CECL, TDR, Remote Online Notarization, SBA loans. H.R. 1815 - SEC Disclosure Effectiveness Test Act. Issue: SEC investor testing. H.R. 1862/S. 1586 - Federal Insurance Office Abolishment Act of 2019. Issue: FIO reform. H.R. 3561/S. 603 - Financial Stability Oversight Council Improvement Act of 2019. Issue: FSOC reform. H.R. 1595/S.___ - Secure and Fair Enforcement Banking Act. Issue: Insurance companies working with legitimate marijuana businesses. H.R. 3351- Financial Services and General Government Appropriations Act, 2020. Issue: Making appropriations for financial services and general government for the fiscal year ending September 30, 2020. H.R. 3614 - Restricting Use of Credit Checks for Employment Decisions Act. Issue: ban the use of credit information for most employment decisions. H.R. 2474/S.664 - Protecting Workers Freedom to Organize Act. To amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959. Issue: independent contractor status. H.R. 4592 - International Insurance Standards Act of 2019. To preserve the state-based system of insurance regulation and provide greater oversight of and transparency on international insurance standards setting process. Issue: insurance capital standards. H.R.__ - Clarity in Credit Score Formation Act. Issue: Establishing clear federal oversight of the development of credit scoring models. S.__ Clarifying that the CFPB does not regulate the business of insurance. Issue: Making Diversity and Inclusion Efforts more Intentional. No bill number assigned. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Government Sponsored Enterprises (GSE) reform. No bill number assigned.

Client expense: $752,105 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 5084 - Improving Corporate Governance Through Diversity Act. H.R. 5360 - Closing the Racial Wealth Gap Act. H.R. 281 - Ensuring Diverse Leadership Act. H.R. 7946 and S. 4464 - Federal Reserve Racial and Economic Equity Act. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III. Export Import Bank: additionality policies and procedures. Discussion Draft: International Insurance Standards Act. H.R. 1596/S. 627 - The Secure and Fair Enforcement or SAFE Banking Act of 2019. S. 2201 - The Clarifying Law Around Insurance of Marijuana (CLAIM) Act. H.R. 1832 - Insurance Fairness for First Responders Act of 2019. S. 3533 Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2020 Section 4013 and 4014 of the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) - Jones/McSally amendment advocating for the inclusion of financial institutions in both provisions Potential ESG Legislation. Potential CMBS legislation advocating for the inclusion of SASB loans in any potential legislation draft. H.R. 2474/S.664 - Protecting Workers Freedom to Organize Act. To amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959. Issue: independent contractor status. H.R. 6994/S. 3795 - Registration for Index-Linked Annuities Act. To direct the SEC to revise any rules necessary to enable issuers of index-linked annuities to use the securities offering forms that are available to other issuers of securities. Issue: index-linked annuities. S.__ Clarifying that the CFPB does not regulate the business of insurance. Issue: Making Diversity and Inclusion Efforts more Intentional. No bill number assigned. Potential legislation on banning short selling H.R. 1862/S. 1586 - Federal Insurance Office Abolishment Act of 2019. Issue: FIO reform. Discussions related to the following bills from the previous Congress: H.R. 10 - Financial CHOICE Act. Issue: Implementation and regulatory reform of the financial services industry. Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

Client expense: $380,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 1862 - Federal Insurance Office Abolishment Act of 2019 H.R. 2479 - Primary Regulators of Insurance Vote Act of 2019 or the PRIVA Act H.R. 4074 - Clarifying Law Around Insurance of Marijuana Act or the CLAIM Act H.R. 4592 - International Insurance Standards Act of 2019 S. 1298 - Primary Regulators of Insurance Vote Act of 2019 or the PRIVA Act S. 1586 - Federal Insurance Office Abolishment Act of 2019 S. 2201 - Clarifying Law Around Insurance of Marijuana Act or the CLAIM Act International insurance legislation

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

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, SENATE

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III * Implementation of S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issue: CECL, TDR, Remote Online Notarization, SBA loans. H.R. 1815 - SEC Disclosure Effectiveness Test Act. Issue: SEC investor testing. H.R. 1862/S. 1586 - Federal Insurance Office Abolishment Act of 2019. Issue: FIO reform. H.R. 3561/S. 603 - Financial Stability Oversight Council Improvement Act of 2019. Issue: FSOC reform. H.R. 1595/S. 1200 - Secure and Fair Enforcement Banking Act. Issue: Insurance companies working with legitimate marijuana businesses. H.R. 3351- Financial Services and General Government Appropriations Act, 2020. Issue: Making appropriations for financial services and general government for the fiscal year ending September 30, 2020. H.R. 3614 - Restricting Use of Credit Checks for Employment Decisions Act. Issue: ban the use of credit information for most employment decisions. H.R. 2474/S.664 - Protecting Workers Freedom to Organize Act. To amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959. Issue: independent contractor status. H.R. 4592 - International Insurance Standards Act of 2019. To preserve the state-based system of insurance regulation and provide greater oversight of and transparency on international insurance standards setting process. Issue: insurance capital standards. * H.R. 6994/S. 3795 - Registration for Index-Linked Annuities Act. To direct the SEC to revise any rules necessary to enable issuers of index-linked annuities to use the securities offering forms that are available to other issuers of securities. Issue: index-linked annuities. S. 3533/H.R. 6364 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2020. To authorize and establish minimum standards for electronic and remote notarizations that occur in or affect interstate commerce, to require any Federal court located in a State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce, and to require any State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce or when the notarization was performed under or relates to a public act, record, or judicial proceeding of the State in which the notary public was commissioned. Issue: remote online notarization. S. 4159 - Electronic Signatures in Global and National Commerce Act. To amend the Electronic Signatures in Global and National Commerce Act to accommodate emerging technologies. Issue: electronic signatures H.R. 7809 - Helping Open Properties Endeavor (HOPE) Act of 2020. This bill establishes an equity facility in the Department of the Treasury to assist commercial mortgage borrowers. Specifically, Treasury must guarantee the purchase by financial institutions of certain equity instruments backed by a commercial mortgage. The bill defines commercial mortgage as a mortgage loan secured by an interest in real property owned for rental income. Borrowers with reduced revenues from their commercial property may qualify for an amount not to exceed 10% of the outstanding amount owed on their commercial mortgage. Issue: Commercial mortgages. H.R. 7913 - Financial Institution Forbearance Act. To amend the CARES Act to improve the temporary relief from troubled debt restructurings, and for other purposes. Issue: troubled debt restructurings. H.R. 7914 - Eliminating CECL Accounting Standard Act. This bill provides that no one shall be required to comply with a specified accounting standard applicable to credit losses (i.e., the current expected credit losses standard, also known as the CECL standard). Issue: CECL H.R.__ - To deem certain references to the London Interbank Offered Rate (LIBOR) as referring to a replacement benchmark rate in the case of LIBOR no longer being available. Issue: LIBOR H.R.__ - Clarity in Credit Score Formation Act. Issue: Establishing clear federal oversight of the development of credit scoring models. S.__ Clarifying that the CFPB does not regulate the business of insurance. Issue: Commercial mortgage-backed security (CMBS) debt. Not bill number assigned. Issue: Making Diversity and Inclusion Efforts more Intentional. No bill number assigned. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Government Sponsored Enterprises (GSE) reform. No bill number assigned.

Client expense: $310,000 · Firm income: Not reported

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

H.R. 1862 - Federal Insurance Office Abolishment Act of 2019 H.R. 2479 - Primary Regulators of Insurance Vote Act of 2019 or the PRIVA Act H.R. 4074 - Clarifying Law Around Insurance of Marijuana Act or the CLAIM Act H.R. 4592 - International Insurance Standards Act of 2019 S. 1298 - Primary Regulators of Insurance Vote Act of 2019 or the PRIVA Act S. 1586 - Federal Insurance Office Abolishment Act of 2019 S. 2201 - Clarifying Law Around Insurance of Marijuana Act or the CLAIM Act International insurance legislation

Client expense: $250,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Implementation of S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issue: CECL, TDR, Remote Online Notarization, SBA loans. H.R. 1815 - SEC Disclosure Effectiveness Test Act. Issue: SEC investor testing. H.R. 1862/S. 1586 - Federal Insurance Office Abolishment Act of 2019. Issue: FIO reform. H.R. 3561/S. 603 - Financial Stability Oversight Council Improvement Act of 2019. Issue: FSOC reform. H.R. 1595/S.___ - Secure and Fair Enforcement Banking Act. Issue: Insurance companies working with legitimate marijuana businesses. H.R. 3351- Financial Services and General Government Appropriations Act, 2020. Issue: Making appropriations for financial services and general government for the fiscal year ending September 30, 2020. H.R. 3614 - Restricting Use of Credit Checks for Employment Decisions Act. Issue: ban the use of credit information for most employment decisions. H.R. 2474/S.664 - Protecting Workers Freedom to Organize Act. To amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959. Issue: independent contractor status. H.R. 4592 - International Insurance Standards Act of 2019. To preserve the state-based system of insurance regulation and provide greater oversight of and transparency on international insurance standards setting process. Issue: insurance capital standards. H.R. 6994/S. 3795 - Registration for Index-Linked Annuities Act. To direct the SEC to revise any rules necessary to enable issuers of index-linked annuities to use the securities offering forms that are available to other issuers of securities. Issue: index-linked annuities. S. 3533/H.R. 6364 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2020. To authorize and establish minimum standards for electronic and remote notarizations that occur in or affect interstate commerce, to require any Federal court located in a State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce, and to require any State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce or when the notarization was performed under or relates to a public act, record, or judicial proceeding of the State in which the notary public was commissioned. Issue: remote online notarization. H.R.__ - Clarity in Credit Score Formation Act. Issue: Establishing clear federal oversight of the development of credit scoring models. S.__ Clarifying that the CFPB does not regulate the business of insurance. Issue: Commercial mortgage-backed security (CMBS) debt. Not bill number assigned. Issue: Making Diversity and Inclusion Efforts more Intentional. No bill number assigned. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Government Sponsored Enterprises (GSE) reform. No bill number assigned.

Client expense: $1,087,259 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1862 - Federal Insurance Office Abolishment Act of 2019; H.R. 2479 - Primary Regulators of Insurance Vote Act of 2019 or the PRIVA Act; H.R. 4074 - Clarifying Law Around Insurance of Marijuana Act or the CLAIM Act; H.R. 4592 - International Insurance Standards Act of 2019; S. 1298 - Primary Regulators of Insurance Vote Act of 2019 or the PRIVA Act; S. 1586 - Federal Insurance Office Abolishment Act of 2019; S. 2201 - Clarifying Law Around Insurance of Marijuana Act or the CLAIM Act; International insurance legislation.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, SENATE

Reauthorization of the National Flood Insurance Program; Support the repeal or reform of the Federal Insurance Office; support the expansion of private flood insurance; To amend the National Flood Insurance Act of 1968 to allow for the consideration of private flood insurance for the purposes of applying continuous coverage requirements, and for other purposes.(H.R. 1666); Federal Insurance Office Abolishment Act (H.R. 1862/S. 1586); the Community Mapping Act (H.R. 472); NFIP Reauthorization Act of 2019 (H.R. 3167); NFIP Administrative Reform Act (H.R. 3111); SAFE NFIP Act (not yet introduced in 116th Congress); legislation to provide a safe harbor for insurers and agents for providing the business of insurance to cannabis-related legitimate businesses; National Flood Insurance Program Reauthorization and Reform Act of 2019 (S. 2187/H.R.3872); the SAFE Banking Act of 2019 (H.R. 1595); the Clarifying Law Around Insurance of Marijuana (CLAIM) Act; (S. 2201/H.R. 4074); issues related to business interruption insurance and COVID-19; general issues related to COVID-19; Pandemic Risk Insurance Act of 2020 (H.R. 7011); Business Interruption Insurance Coverage Act of 2020 (H.R. 6494); the Business Interruption Relief Act (H.R. 7412); To establish a temporary voluntary program for support of insurers providing business interruption insurance coverage during the COVID-19 pandemic, and for other purposes (H.R. 7394); Never Again Small Business Protection Act of 2020 (H.R. 6497).

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), Risk Management Agency, SENATE, Small Business Administration (SBA), Treasury, Dept of

HR 469 Using replacement cost value to determine premium rates for flood insurance; HR 470 Repeal mandatory flood insurance for commercial properties; HR 471 The Taxpayer Exposure Mitigation Act, requires the NFIP to purchase reinsurance; HR 472 The Community Mapping Act, allows communities to develop alternative flood insurance rate maps; HR 830 The Flood Insurance for Farmers Act, allows for repair and construction of structures within flood zones; HR 342 & HR 2318, The FIRM IT Act of 2019, seeks to improve mapping for the NFIP; HR 1666, allows for private flood insurance to meet continuous coverage requirements; HR 2578, the NFIP Extension Act of 2019, HR 3111 NFIP Administrative Reform Act of 2019; HR 3146 Fair Flood Insurance Act of 2019, which provides for monthly installment payments; HR 3167 NFIP Re-authorization Act of 2019; HR 3258 Flood Insurance Integrity Act of 2019; HR 3872/S 2187 NFIP Re-authorization and Reform Act of 2019; S 1144 Flood Insurance Rate Map Interagency Technology Act; S 1520 NFIP Extension Act of 2019; and S 1533 NFIP Extension Act . We are monitoring all legislation impacting the National Flood Insurance Program to insure that the program remains available and affordable for our customers. HR 1595 & S 1200 The SAFE Banking Act; also HR 4074 and S 1200 The CLAIM Act - Monitor efforts to facilitate financial services to legal cannabis-related businesses HR 1756 - The Preventing Credit Score Discrimination in Auto Insurance Act; S 4755 a bill to prohibit auto insurers from using certain income proxies; Monitoring these bill which could impact insurance underwriting HR 1862 and S 1586 - The Federal Insurance Office Abolishment Act of 2019 - monitor potential changes to FIO that would impact the insurance industry HR 4592 International Insurance Standards Act of 2019; support HR 6494 Business Interruption Insurance Coverage Act of 2020; oppose HR 6497 Never Again Small Business Protection Act; oppose HR 7011 Pandemic Risk Insurance Act; concerns with requiring insurance coverage for uninsurable events like pandemics HR 7412 Business Interruption Relief Act; oppose HR 8337 Continuing Appropriations Act - that portion of the bill extending the National Flood Insurance Program (support) S 4325 Business of Insurance Regulatory Reform Act - support this bill which deals with the CFPB authority to regulate insurance

Client expense: $80,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

-H.R.1756, Preventing Credit Score Discrimination in Auto Insurance Act - prohibit the use of consumer reports and consumer information in making any determination involving auto insurance -H.R.1862, To abolish the Federal Insurance Office of the Department of the Treasury -H.R.1595, SAFE Banking Act of 2019 - To create protections for depository institutions that provide financial services to cannabis-related legitimate businesses -H.R. 1832, Insurance Fairness for First Responders Act of 2019 - to prevent the denial of life insurance coverage for certain holders of Narcan/naloxone prescriptions -H.R. 1375, S. 1989 - Provide Accurate Information Directly (PAID) Act - to improve Medicare Secondary Payer process for Medicare Parts C and D -S. 603, Financial Stability Oversight Council Improvement Act of 2019 - to require the Financial Stability Oversight Council to consider alternative approaches before determining that a U.S. nonbank financial company shall be supervised by the Board of Governors of the Federal Reserve System -S.766, Providing Responsible Oversight of Trusts to Ensure Compensation and Transparency (PROTECT) for Asbestos Victims Act of 2019 - to promote the investigation of fraudulent claims against certain trusts and to provide penalties against fraudulent claims against certain trusts -H.R. 1185, S. 463, Family and Medical Insurance Leave (FAMILY) Act - To provide paid family and medical leave benefits to certain individuals -S.583, DATA Privacy Act - to establish federal data privacy standards S. 1028, H.R. 2093, Strengthening the Tenth Amendment Through Entrusting States (STATES) Act - creates safe harbor from federal laws when doing business with legal state marijuana business PL111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act Issue: International Insurance Capital Standards S.1214 - A bill to establish and protect individual and collective privacy rights, and for other purposes. S. 1298, H.R. 2479, Primary Regulators of Insurance Vote Act - to include the State insurance commissioner as a voting member of the Financial Stability Oversight Council S. 1628, Paid Family Leave Pilot Extension Act - would extend the program until 2022. S.1586, H.R. 1862, Federal Insurance Office Abolishment Act of 2019 - This bill eliminates the Federal Insurance Office (FIO) within the Department of the Treasury H.R. 3279, A bill to require the Securities and Exchange Commission to establish a Diversity Advisory Group to study and make recommendations on strategies to increase gender, racial, and ethnic diversity among the members of the board of directors of issuers, to amend the Securities Exchange Act of 1934 to require issuers to make disclosures to shareholders with respect to gender, racial, and ethnic diversity, and for other purposes Insurance Underwriting Insurance Capital Standards Autonomous Vehicles Data Privacy and Security H.R. 3693 - Prohibit Auto Insurance Discrimination Act - prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility. H.R. 4075, S.2201, the Clarifying Law Around Insurance of Marijuana (CLAIM) Act - To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business H.R. 1224, S. 511, Living Donor Protection Act - To promote and protect from discrimination living organ donors H.R.4592 -International Insurance Standards Act of 2019 (Budd-Heck) H.R. 2474, Protecting the Right to Organize (PRO) Act of 2019 - to amend labor requirements H.R. 4978, Online Privacy Act of 2019 - bill to establish federal data privacy framework. H.R. ___, Freezing Assets of Suspected Terrorists and Enemy Recruits (FASTER) Act -- require financial institutions to freeze the assets of people under suspicion of domestic terrorism H.R. 4523, Nonprofit Property Protection Act -- allows certain risk-retention groups that serve nonprofit organizations to offer additional types of commercial insurance. H.R. ___, House Energy & Commerce Committee Staff Bipartisan Data Privacy Draft - data privacy H.R. 535, PFAS Action Act - to increase EPA oversight of PFAS chemicals. H.R. 5494, the Catastrophe Loss Mitigation Incentive and Tax Parity Act of 2019 -- ensure that state-based grants received by homeowners for disaster mitigation are not be subject to federal income tax. Issue: Rising Cost of Auto Repair H.R. 3462/S. 1958, SHELTER Act -- to provide tax credits to property owners who make qualified mitigation investments (based on the model of long-standing energy tax credits). HR.3781, Improving National Safety by Updating the Required Amount of Insurance Needed by Commercial Motor Vehicles per Event (INSURANCE) Act of 2019 -- increase the minimum levels of insurance for commercial vehicles S.3300, Data Protection Act of 2020 - to establish a Federal data protection agency, and for other purposes. HR __, Insurance Data Protection Act - to reform FIO data requests. H.R. 224, Protect Taxpayer Dollars, Small Contractors, Suppliers and Workers - requiring indexing for Miller Act bonding requirements. HR 6359, Promoting Infrastructure by Protecting Our Subcontractors and Tax Payers Act - require bonds or sufficient security on public construction projects that receive federal financing from TIFIA loans DRAFT HR ___, Fair Auto Insurance Ratemaking (FAIR) Study Act of 2020 - to study discrimination in auto-insurance .R.7412, Business Interruption Relief Act of 2020 - Federal subsidies for insurers that pay Business Interruption losses caused by the Coronavirus HR 6494, Business Interruption Insurance Coverage Act- Invalidate existing virus exclusions and mandate future BI coverage DRAFT, Data Accountability and Transparency Act of 2020 - Federal data privacy law S.3456, Consumer Data Privacy and Security Act of 2020 - federal data privacy H.R. 2, Moving Forward Act - Transportation and highway infrastructure package including COVID, insurance, and motor safety provisions. HR 7011, Pandemic Risk Insurance Act (PRIA) of 2020 - Govt backed program modeled after TRIA DRAFT, Business Continuity Protection Program - Joint trades pandemic risk proposal DRAFT, COVID-19 Business and Employee Continuity and Recovery Fund - Recovery fund DRAFT, Workplace Recovery Act (WRA) - Establishes government-funded business interruption insurance add-on HR 6497, Never Again Small Business Protection Act - Prospective coverage mandate Issue: Employer COVID-19 Liability DRAFT, Coronavirus Liability Act - proposal to create a liability safe harbor for businesses H.R. 7197, Real Economic Support That Acknowledges Unique Restaurant Assistance Needed to Survive (RESTAURANTS) Act of 2020 - $120b restaurant grant program H.R. 6364, S. 3533, Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act of 2020 - authorize minimum standards for electronic and remote notarizations Issue Diversity and Inclusion DRAFT, Data Security and Breach Notification Act of 2020 - to establish federal data breach standards (Portman/Carper) DRAFT, Diverse Investment Advisers Act - to encourage asset manager diversity DRAFT, GAO study of insurance rating factors ISSUE: Pandemic Risk Insurance Programs DRAFT, Pandemic Business Interruption Program - Pandemic insurance program (Chubb) DRAFT, Business Continuity Coalition/New PRIA - pandemic insurance program (BCC) S 4159ESIGN Modernization Act - to modernize use of electronic documents S 4317SAFE to WORK Act - COVID liability protections for businesses S 4318American Workers, Families, and Employers Assistance Act - COVID relief S 4320Coronavirus Response Additional Supplemental Appropriations - COVID relief funding S 4321Continuing Small Business Recovery and Paycheck Protection Program Act - PPP extensions and reform S 4325Business of Insurance Regulatory Reform Act - clarification of CFPB jurisdiction related to insurance HR 7809 Helping Open Properties Endeavor (HOPE) Act of 2020 - equity facility in the Department of the Treasury to assist commercial mortgage borrowers S 178Delivering Immediate Relief to America's Families, School, and Small Businesses - omnibus COVID relief package HR 7978/S 4431 Emergency Wildfire and Public Safety Act of 2020 - to improve wildfire preparedness HR 8129 Drug Impaired Driving Education Act of 2020 - impaired driving education initiative HR 8132 American COMPETE Act - to study use of AI, drones, and autonomous vehicles DRAFT PAID Study Act - for GAO to study impact of certain auto insurance underwriting factors and reporting requirements HR 8015 Delivering for America Act - Postal service funding and operational changes S 4626SAFE DATA Act - to establish a federal privacy standard and other data use regulations HR 8350 SELF Drive Act - to establish a regulatory framework for autonomous vehicle regulation S. 4755 PAID Act - prohibit the use of certain auto insurance underwriting factors S.2604 Reduce Impaired Driving for Everyone Act of 2019 -- NHTSA to work with vehicle manufacturers, suppliers, and other entities to advance the technology developed by the Driver Alcohol Detection S.2968 Consumer Online Privacy Rights Act - bill to establish federal data privacy regulation

Client expense: $780,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), 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)

H.R. 1862 - To Abolish the Federal Insurance Office of the Department of the Treasury, and for other purposes (Alexander Mooney, R-WV-2) , ALL PROVISIONS S.1586 - Federal Insurance Office Abolishment Act of 2019 (Ted Cruz, R-TX) , ALL PROVISIONS H.R.2684 - To require the Federal Insurance Office of the Department of the Treasury to conduct a study to identify disparities between communities in auto insurance costs and payout amounts based on the predominant racial makeup of such communities, and for other purposes (Mark Takano, D-CA-41) , ALL PROVISIONS S.1868 - A bill to provide support to States to establish invisible high-risk pool or reinsurance programs (Susan Collins, R-ME) , ALL PROVISIONS H.R.2479 - Primary Regulators of Insurance Vote Act of 2019 (Denny Heck, D-WA-10) , ALL PROVISIONS S.1298 - Primary Regulators of Insurance Vote Act of 2019 (Tim Scott, R-SC) , ALL PROVISIONS H.R.4074 - To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business, and for other purposes (Nydia Velazquez, D-NY-7) , ALL PROVISIONS H.R.4037 - To promote uniformity and reciprocity among States that license insurance claims adjusters and to facilitate prompt and efficient adjusting of insurance claims, and for other purposes (David Kustoff, R-TN-8) , ALL PROVISIONS S.2201 - CLAIM Act (Robert Menendez, D-NJ) oHouse bill: H.R.4074 (Nydia Velazquez, D-NY-7) , ALL PROVISIONS H.R.3693 - Prohibit Auto Insurance Discrimination Act (Bonnie Watson Coleman, D-NJ-12) , ALL PROVISIONS H.R.4523 - To amend the Liability Risk Retention Act of 1986 to expand the types of commercial insurance authorized for risk retention groups serving nonprofit organizations, and for other purposes (Al Green, D-TX-9) , ALL PROVISIONS H.R.4592 - To preserve the State-based system of insurance regulation and provide greater oversight of and transparency on international insurance standards setting processes, and for other purposes (Denny Heck, D-WA-10) , ALL PROVISIONS H.R.4598 - To amend the Internal Revenue Code of 1986 to provide an exemption from FIRPTA for interests held by certain foreign insurance companies (Thomas Suozzi, D-NY-3) , ALL PROVISIONS H.R.5265 - To provide for the restoration of legal rights for claimants under holocaust-era insurance policies (Debbie Wasserman Schultz, D-FL-23) , ALL PROVISIONS S.3123 - State Insurance Regulation Preservation Act (Thom Tillis, R-NC) , ALL PROVISIONS S.2964 - A bill to amend title 49, United States Code, to extend the authority of the Secretary of Transportation to issue non-premium aviation insurance (Roger Wicker, R-MS) , ALL PROVISIONS H.R.5746 - To amend the Internal Revenue Code of 1986 to provide special rules for purposes of determining if financial guaranty insurance companies are qualifying insurance corporations under the passive foreign investment company rules (Gwen Moore, D-WI-4) , ALL PROVISIONS H.R.7412 - To establish a temporary voluntary program for support of insurers providing business interruption insurance coverage during the COVID-19 pandemic, and for other purposes (Mike Thompson, D-CA-5) , ALL PROVISIONS H.R.6494 - To make available insurance coverage for business interruption losses due to viral pandemics, forced closures of businesses, mandatory evacuations, and public safety power shut-offs, and for other purposes (Mike Thompson, D-CA-5) , ALL PROVISIONS H.R.6497 - To make available insurance coverage for business interruption losses due to national emergencies, and for other purposes (Mike Thompson, D-CA-5) , ALL PROVISIONS H.R.6732 - To direct the Secretary of the Treasury to modify certain regulations relating to insurance-dedicated exchange-traded funds (Brad Wenstrup, R-OH-2) , ALL PROVISIONS H.R.7011 - To establish a Pandemic Risk Reinsurance Program, and for other purposes (Carolyn Maloney, D-NY-12) , ALL PROVISIONS H.R.7977 - To require federally licensed firearms manufacturers, importers, and dealers and their employees to undergo annual training to be eligible to sell a firearm, to require a notice to be posted at retail firearms locations that describes the signs of unlawful firearms purchases, to require such licensees to maintain a minimum level of business liability insurance, and for other purposes (Debbie Mucarsel-Powell) , ALL PROVISIONS S.4755 - A bill to prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility (Cory Booker, D-NJ) , ALL PROVISIONS

Client expense: $550,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Highway Traffic Safety Administration (NHTSA), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III. Export Import Bank: additionality policies and procedures. Discussion Draft: International Insurance Standards Act. H.R. 1596/S. 627 - The Secure and Fair Enforcement or SAFE Banking Act of 2019. S. 2201 - The Clarifying Law Around Insurance of Marijuana (CLAIM) Act. H.R. 1832 - Insurance Fairness for First Responders Act of 2019. S. 3533 Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2020 Section 4013 and 4014 of the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) - Jones/McSally amendment advocating for the inclusion of financial institutions in both provisions Potential ESG Legislation. Potential CMBS legislation advocating for the inclusion of SASB loans in any potential legislation draft. H.R. 2474/S.664 - Protecting Workers Freedom to Organize Act. To amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959. Issue: independent contractor status. H.R. 6994/S. 3795 - Registration for Index-Linked Annuities Act. To direct the SEC to revise any rules necessary to enable issuers of index-linked annuities to use the securities offering forms that are available to other issuers of securities. Issue: index-linked annuities. S.__ Clarifying that the CFPB does not regulate the business of insurance. Issue: Making Diversity and Inclusion Efforts more Intentional. No bill number assigned. Potential legislation on banning short selling H.R. 1862/S. 1586 - Federal Insurance Office Abolishment Act of 2019. Issue: FIO reform. Discussions related to the following bills from the previous Congress: H.R. 10 - Financial CHOICE Act. Issue: Implementation and regulatory reform of the financial services industry. Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III * Implementation of S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issue: CECL, TDR, Remote Online Notarization, SBA loans. H.R. 1815 - SEC Disclosure Effectiveness Test Act. Issue: SEC investor testing. H.R. 1862/S. 1586 - Federal Insurance Office Abolishment Act of 2019. Issue: FIO reform. H.R. 3561/S. 603 - Financial Stability Oversight Council Improvement Act of 2019. Issue: FSOC reform. H.R. 1595/S.___ - Secure and Fair Enforcement Banking Act. Issue: Insurance companies working with legitimate marijuana businesses. H.R. 3351- Financial Services and General Government Appropriations Act, 2020. Issue: Making appropriations for financial services and general government for the fiscal year ending September 30, 2020. H.R. 3614 - Restricting Use of Credit Checks for Employment Decisions Act. Issue: ban the use of credit information for most employment decisions. H.R. 2474/S.664 - Protecting Workers Freedom to Organize Act. To amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959. Issue: independent contractor status. H.R. 4592 - International Insurance Standards Act of 2019. To preserve the state-based system of insurance regulation and provide greater oversight of and transparency on international insurance standards setting process. Issue: insurance capital standards.* H.R. 6994/S. 3795 - Registration for Index-Linked Annuities Act. To direct the SEC to revise any rules necessary to enable issuers of index-linked annuities to use the securities offering forms that are available to other issuers of securities. Issue: index-linked annuities. S. 3533/H.R. 6364 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2020. To authorize and establish minimum standards for electronic and remote notarizations that occur in or affect interstate commerce, to require any Federal court located in a State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce, and to require any State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce or when the notarization was performed under or relates to a public act, record, or judicial proceeding of the State in which the notary public was commissioned. Issue: remote online notarization. H.R.__ - Clarity in Credit Score Formation Act. Issue: Establishing clear federal oversight of the development of credit scoring models. S.__ Clarifying that the CFPB does not regulate the business of insurance. Issue: Commercial mortgage-backed security (CMBS) debt. Not bill number assigned. Issue: Making Diversity and Inclusion Efforts more Intentional. No bill number assigned. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Government Sponsored Enterprises (GSE) reform. No bill number assigned.

Client expense: $200,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

Reauthorization of the National Flood Insurance Program; Support the repeal or reform of the Federal Insurance Office; support the expansion of private flood insurance; To amend the National Flood Insurance Act of 1968 to allow for the consideration of private flood insurance for the purposes of applying continuous coverage requirements, and for other purposes.(H.R. 1666); Federal Insurance Office Abolishment Act (H.R. 1862/S. 1586); the Community Mapping Act (H.R. 472); NFIP Reauthorization Act of 2019 (H.R. 3167); NFIP Administrative Reform Act (H.R. 3111); SAFE NFIP Act (not yet introduced in 116th Congress); issues related to auto insurance; legislation to provide a safe harbor for insurers and agents for providing the business of insurance to cannabis-related legitimate businesses; National Flood Insurance Program Reauthorization and Reform Act of 2019 (S. 2187/H.R.3872); the SAFE Banking Act of 2019 (H.R. 1595); the Clarifying Law Around Insurance of Marijuana (CLAIM) Act; (S. 2201/H.R. 4074); issues related to business interruption insurance and COVID-19; general issues related to COVID-19; Pandemic Risk Insurance Act of 2020 (H.R. 7011); Business Interruption Insurance Coverage Act of 2020 (H.R. 6494); the Business Interruption Relief Act (H.R. 7412); To establish a temporary voluntary program for support of insurers providing business interruption insurance coverage during the COVID-19 pandemic, and for other purposes (H.R. 7394); Never Again Small Business Protection Act of 2020 (H.R. 6497).

Client expense: $109,363 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Risk Management Agency, SENATE, Small Business Administration (SBA), Treasury, Dept of

H.R. 1862 - Federal Insurance Office Abolishment Act of 2019 H.R. 2479 - Primary Regulators of Insurance Vote Act of 2019 or the PRIVA Act H.R. 4074 - Clarifying Law Around Insurance of Marijuana Act or the CLAIM Act H.R. 4592 - International Insurance Standards Act of 2019 S. 1298 - Primary Regulators of Insurance Vote Act of 2019 or the PRIVA Act S. 1586 - Federal Insurance Office Abolishment Act of 2019 S. 2201 - Clarifying Law Around Insurance of Marijuana Act or the CLAIM Act International insurance legislation

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

Government targets: Executive Office of the President (EOP), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 1862 - To Abolish the Federal Insurance Office of the Department of the Treasury, and for other purposes (Alexander Mooney, R-WV-2) S.1586 - Federal Insurance Office Abolishment Act of 2019 (Ted Cruz, R-TX) H.R.2684 - To require the Federal Insurance Office of the Department of the Treasury to conduct a study to identify disparities between communities in auto insurance costs and payout amounts based on the predominant racial makeup of such communities, and for other purposes (Mark Takano, D-CA-41) S.1868 - A bill to provide support to States to establish invisible high-risk pool or reinsurance programs (Susan Collins, R-ME) H.R.2479 - Primary Regulators of Insurance Vote Act of 2019 (Denny Heck, D-WA-10) S.1298 - Primary Regulators of Insurance Vote Act of 2019 (Tim Scott, R-SC) H.R.4074 - To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business, and for other purposes (Nydia Velazquez, D-NY-7) H.R.4037 - To promote uniformity and reciprocity among States that license insurance claims adjusters and to facilitate prompt and efficient adjusting of insurance claims, and for other purposes (David Kustoff, R-TN-8) S.2201 - CLAIM Act (Robert Menendez, D-NJ) oHouse bill: H.R.4074 (Nydia Velazquez, D-NY-7) H.R.3693 - Prohibit Auto Insurance Discrimination Act (Bonnie Watson Coleman, D-NJ-12) H.R.4523 - To amend the Liability Risk Retention Act of 1986 to expand the types of commercial insurance authorized for risk retention groups serving nonprofit organizations, and for other purposes (Al Green, D-TX-9) H.R.4592 - To preserve the State-based system of insurance regulation and provide greater oversight of and transparency on international insurance standards setting processes, and for other purposes (Denny Heck, D-WA-10) H.R.4598 - To amend the Internal Revenue Code of 1986 to provide an exemption from FIRPTA for interests held by certain foreign insurance companies (Thomas Suozzi, D-NY-3) H.R.4634 - Terrorism Risk Insurance Program Reauthorization Act of 2019 - To reauthorize the Terrorism Risk Insurance Act of 2002, and for other purposes (Maxine Waters, D-CA-43) S.2877 - Terrorism Risk Insurance Program Reauthorization Act of 2019 (Thom Tillis, R-NC) H.R.5265 - To provide for the restoration of legal rights for claimants under holocaust-era insurance policies (Debbie Wasserman Schultz, D-FL-23) S.3123 - State Insurance Regulation Preservation Act (Thom Tillis, R-NC) S.2964 - A bill to amend title 49, United States Code, to extend the authority of the Secretary of Transportation to issue non-premium aviation insurance (Roger Wicker, R-MS) H.R.5746 - To amend the Internal Revenue Code of 1986 to provide special rules for purposes of determining if financial guaranty insurance companies are qualifying insurance corporations under the passive foreign investment company rules (Gwen Moore, D-WI-4) H.R.7412 - To establish a temporary voluntary program for support of insurers providing business interruption insurance coverage during the COVID-19 pandemic, and for other purposes (Mike Thompson, D-CA-5) H.R.6494 - To make available insurance coverage for business interruption losses due to viral pandemics, forced closures of businesses, mandatory evacuations, and public safety power shut-offs, and for other purposes (Mike Thompson, D-CA-5) H.R.6497 - To make available insurance coverage for business interruption losses due to national emergencies, and for other purposes (Mike Thompson, D-CA-5) H.R.6732 - To direct the Secretary of the Treasury to modify certain regulations relating to insurance-dedicated exchange-traded funds (Brad Wenstrup, R-OH-2) H.R.7011 - To establish a Pandemic Risk Reinsurance Program, and for other purposes (Carolyn Maloney, D-NY-12)

Client expense: $550,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Highway Traffic Safety Administration (NHTSA), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 1862 - Federal Insurance Office Abolishment Act of 2019; H.R. 2479 - Primary Regulators of Insurance Vote Act of 2019 or the PRIVA Act; H.R. 4074 - Clarifying Law Around Insurance of Marijuana Act or the CLAIM Act; H.R. 4592 - International Insurance Standards Act of 2019; S. 1298 - Primary Regulators of Insurance Vote Act of 2019 or the PRIVA Act; S. 1586 - Federal Insurance Office Abolishment Act of 2019; S. 2201 - Clarifying Law Around Insurance of Marijuana Act or the CLAIM Act; International insurance legislation.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, SENATE

HR 469 Using replacement cost value to determine premium rates for flood insurance; HR 470 Repeal mandatory flood insurance for commercial properties; HR 471 The Taxpayer Exposure Mitigation Act, requires the NFIP to purchase reinsurance; HR 472 The Community Mapping Act, allows communities to develop alternative flood insurance rate maps; HR 830 The Flood Insurance for Farmers Act, allows for repair and construction of structures within flood zones; HR 342 & HR 2318, The FIRM IT Act of 2019, seeks to improve mapping for the NFIP; HR 1666, allows for private flood insurance to meet continuous coverage requirements; HR 2578, the NFIP Extension Act of 2019, HR 3111 NFIP Administrative Reform Act of 2019; HR 3146 Fair Flood Insurance Act of 2019, which provides for monthly installment payments; HR 3167 NFIP Re-authorization Act of 2019; HR 3258 Flood Insurance Integrity Act of 2019; HR 3872/S 2187 NFIP Re-authorization and Reform Act of 2019; S 1144 Flood Insurance Rate Map Interagency Technology Act; S 1520 NFIP Extension Act of 2019; and S 1533 NFIP Extension Act . We are monitoring all legislation impacting the National Flood Insurance Program to insure that the program remains available and affordable for our customers. HR 1595 & S 1200 The SAFE Banking Act; also HR 4074 and S 1200 The CLAIM Act - Monitor efforts to facilitate financial services to legal cannabis-related businesses HR 1756 - The Preventing Credit Score Discrimination in Auto Insurance Act - monitoring this bill which could impact insurance underwriting HR 1862 and S 1586 - The Federal Insurance Office Abolishment Act of 2019 - monitor potential changes to FIO that would impact the insurance industry HR 4592 International Insurance Standards Act of 2019; support HR 6494 Business Interruption Insurance Coverage Act of 2020; oppose HR 6497 Never Again Small Business Protection Act; oppose HR 7011 Pandemic Risk Insurance Act; concerns with requiring insurance coverage for uninsurable events like pandemics HR 7412 Business Interruption Relief Act; oppose

Client expense: $90,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Implementation of S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issue: CECL, TDR, Remote Online Notarization, SBA loans. H.R. 1815 - SEC Disclosure Effectiveness Test Act. Issue: SEC investor testing. H.R. 1862/S. 1586 - Federal Insurance Office Abolishment Act of 2019. Issue: FIO reform. H.R. 3561/S. 603 - Financial Stability Oversight Council Improvement Act of 2019. Issue: FSOC reform. H.R. 1595/S.___ - Secure and Fair Enforcement Banking Act. Issue: Insurance companies working with legitimate marijuana businesses. H.R. 3351- Financial Services and General Government Appropriations Act, 2020. Issue: Making appropriations for financial services and general government for the fiscal year ending September 30, 2020. H.R. 3614 - Restricting Use of Credit Checks for Employment Decisions Act. Issue: ban the use of credit information for most employment decisions. H.R. 2474/S.664 - Protecting Workers Freedom to Organize Act. To amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959. Issue: independent contractor status. H.R. 4592 - International Insurance Standards Act of 2019. To preserve the state-based system of insurance regulation and provide greater oversight of and transparency on international insurance standards setting process. Issue: insurance capital standards. H.R. 6994/S. 3795 - Registration for Index-Linked Annuities Act. To direct the SEC to revise any rules necessary to enable issuers of index-linked annuities to use the securities offering forms that are available to other issuers of securities. Issue: index-linked annuities. S. 3533/H.R. 6364 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2020. To authorize and establish minimum standards for electronic and remote notarizations that occur in or affect interstate commerce, to require any Federal court located in a State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce, and to require any State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce or when the notarization was performed under or relates to a public act, record, or judicial proceeding of the State in which the notary public was commissioned. Issue: remote online notarization. H.R.__ - Clarity in Credit Score Formation Act. Issue: Establishing clear federal oversight of the development of credit scoring models. S.__ Clarifying that the CFPB does not regulate the business of insurance. Issue: Commercial mortgage-backed security (CMBS) debt. Not bill number assigned. Issue: Making Diversity and Inclusion Efforts more Intentional. No bill number assigned. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Government Sponsored Enterprises (GSE) reform. No bill number assigned.

Client expense: $954,974 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

-H.R.1756, Preventing Credit Score Discrimination in Auto Insurance Act - prohibit the use of consumer reports and consumer information in making any determination involving auto insurance -H.R.1862, To abolish the Federal Insurance Office of the Department of the Treasury -H.R.1595, SAFE Banking Act of 2019 - To create protections for depository institutions that provide financial services to cannabis-related legitimate businesses -H.R. 1832, Insurance Fairness for First Responders Act of 2019 - to prevent the denial of life insurance coverage for certain holders of Narcan/naloxone prescriptions -H.R. 1375, S. 1989 - Provide Accurate Information Directly (PAID) Act - to improve Medicare Secondary Payer process for Medicare Parts C and D -S. 603, Financial Stability Oversight Council Improvement Act of 2019 - to require the Financial Stability Oversight Council to consider alternative approaches before determining that a U.S. nonbank financial company shall be supervised by the Board of Governors of the Federal Reserve System -S.766, Providing Responsible Oversight of Trusts to Ensure Compensation and Transparency (PROTECT) for Asbestos Victims Act of 2019 - to promote the investigation of fraudulent claims against certain trusts and to provide penalties against fraudulent claims against certain trusts -H.R. 1185, S. 463, Family and Medical Insurance Leave (FAMILY) Act - To provide paid family and medical leave benefits to certain individuals -H.R.2013, Information Transparency & Personal Data Control Act - to require the Federal Trade Commission to promulgate regulations related to sensitive personal information -S. ___, Consumer Data Protection Act - to establish requirements and responsibilities for entities that use, store, or share personal information, to protect personal information -S.583, DATA Privacy Act - to establish federal data privacy standards S. 1028, H.R. 2093, Strengthening the Tenth Amendment Through Entrusting States (STATES) Act - creates safe harbor from federal laws when doing business with legal state marijuana business PL111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act Issue: International Insurance Capital Standards S.1214 - A bill to establish and protect individual and collective privacy rights, and for other purposes. S. 1298, H.R. 2479, Primary Regulators of Insurance Vote Act - to include the State insurance commissioner as a voting member of the Financial Stability Oversight Council S. 1628, Paid Family Leave Pilot Extension Act - would extend the program until 2022. S.1586, H.R. 1862, Federal Insurance Office Abolishment Act of 2019 - This bill eliminates the Federal Insurance Office (FIO) within the Department of the Treasury H.R. 3279, A bill to require the Securities and Exchange Commission to establish a Diversity Advisory Group to study and make recommendations on strategies to increase gender, racial, and ethnic diversity among the members of the board of directors of issuers, to amend the Securities Exchange Act of 1934 to require issuers to make disclosures to shareholders with respect to gender, racial, and ethnic diversity, and for other purposes Insurance Underwriting Insurance Capital Standards Autonomous Vehicles Data Privacy and Security H.R. 3693 - Prohibit Auto Insurance Discrimination Act - prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility. H.R. 4075, S.2201, the Clarifying Law Around Insurance of Marijuana (CLAIM) Act - To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business H.R. 2013 - Information Transparency & Personal Data Control Act - To require the Federal Trade Commission to promulgate regulations related to sensitive personal information H.R. __, S. ___, Business of Insurance Regulatory Reform Act - amend the Consumer Financial Protection Act of 2010 to clarify the authority of the Bureau of Consumer Financial Protection with respect to persons regulated by a State insurance regulator H.R. 1224, S. 511, Living Donor Protection Act - To promote and protect from discrimination living organ donors H.R.4592 -International Insurance Standards Act of 2019 (Budd-Heck) H.R. 2474, Protecting the Right to Organize (PRO) Act of 2019 - to amend labor requirements H.R. 4978, Online Privacy Act of 2019 - bill to establish federal data privacy framework. H.R. ___, Freezing Assets of Suspected Terrorists and Enemy Recruits (FASTER) Act -- require financial institutions to freeze the assets of people under suspicion of domestic terrorism H.R. 4523, Nonprofit Property Protection Act -- allows certain risk-retention groups that serve nonprofit organizations to offer additional types of commercial insurance. S. __ U.S. Consumer Data Privacy Act (USCDPA) - draft data privacy legislation (Wicker) S. ___, Consumer Online Privacy Rights Act of 2019 (COPRA) - draft data privacy legislation (Cantwell) H.R. ___, House Energy & Commerce Committee Staff Bipartisan Data Privacy Draft - data privacy H.R. ___, draft legislation to direct a federal study of factors impacting auto-insurance rates - auto insurance H.R. 535, PFAS Action Act - to increase EPA oversight of PFAS chemicals. H.R. 5494, the Catastrophe Loss Mitigation Incentive and Tax Parity Act of 2019 -- ensure that state-based grants received by homeowners for disaster mitigation are not be subject to federal income tax. Issue: Rising Cost of Auto Repair H.R. 3462/S. 1958, SHELTER Act -- to provide tax credits to property owners who make qualified mitigation investments (based on the model of long-standing energy tax credits). HR.3781, Improving National Safety by Updating the Required Amount of Insurance Needed by Commercial Motor Vehicles per Event (INSURANCE) Act of 2019 -- increase the minimum levels of insurance for commercial vehicles S.3300, Data Protection Act of 2020 - to establish a Federal data protection agency, and for other purposes. HR __, Insurance Data Protection Act - to reform FIO data requests. H.R. 224, Protect Taxpayer Dollars, Small Contractors, Suppliers and Workers - requiring indexing for Miller Act bonding requirements. HR 6359, Promoting Infrastructure by Protecting Our Subcontractors and Tax Payers Act - require bonds or sufficient security on public construction projects that receive federal financing from TIFIA loans DRAFT HR ___, Fair Auto Insurance Ratemaking (FAIR) Study Act of 2020 - to study discrimination in auto-insurance .R.7412, Business Interruption Relief Act of 2020 - Federal subsidies for insurers that pay Business Interruption losses caused by the Coronavirus HR 6494, Business Interruption Insurance Coverage Act- Invalidate existing virus exclusions and mandate future BI coverage DRAFT, Data Accountability and Transparency Act of 2020 - Federal data privacy law S.3456, Consumer Data Privacy and Security Act of 2020 - federal data privacy H.R. 2, Moving Forward Act - Transportation and highway infrastructure package including COVID, insurance, and motor safety provisions. HR 7011, Pandemic Risk Insurance Act (PRIA) of 2020 - Govt backed program modeled after TRIA DRAFT, Business Continuity Protection Program - Joint trades pandemic risk proposal DRAFT, COVID-19 Business and Employee Continuity and Recovery Fund - Recovery fund DRAFT, Workplace Recovery Act (WRA) - Establishes government-funded business interruption insurance add-on HR 6497, Never Again Small Business Protection Act - Prospective coverage mandate Issue: Employer COVID-19 Liability DRAFT, Coronavirus Liability Act - proposal to create a liability safe harbor for businesses H.R. 7197, Real Economic Support That Acknowledges Unique Restaurant Assistance Needed to Survive (RESTAURANTS) Act of 2020 - $120b restaurant grant program H.R. 6364, S. 3533, Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act of 2020 - authorize minimum standards for electronic and remote notarizations Issue Diversity and Inclusion

Client expense: $1,140,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), 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)

HR 469 Using replacement cost value to determine premium rates for flood insurance; HR 470 Repeal mandatory flood insurance for commercial properties; HR 471 The Taxpayer Exposure Mitigation Act, requires the NFIP to purchase reinsurance; HR 472 The Community Mapping Act, allows communities to develop alternative flood insurance rate maps; HR 830 The Flood Insurance for Farmers Act, allows for repair and construction of structures within flood zones; HR 342 & HR 2318, The FIRM IT Act of 2019, seeks to improve mapping for the NFIP; HR 1666, allows for private flood insurance to meet continuous coverage requirements; HR 2578, the NFIP Extension Act of 2019, HR 3111 NFIP Administrative Reform Act of 2019; HR 3146 Fair Flood Insurance Act of 2019, which provides for monthly installment payments; HR 3167 NFIP Re-authorization Act of 2019; HR 3258 Flood Insurance Integrity Act of 2019; HR 3872/S 2187 NFIP Re-authorization and Reform Act of 2019; S 1144 Flood Insurance Rate Map Interagency Technology Act; S 1520 NFIP Extension Act of 2019; and S 1533 NFIP Extension Act . We are monitoring all legislation impacting the National Flood Insurance Program to insure that the program remains available and affordable for our customers. HR 1595 & S 1200 The SAFE Banking Act; also HR 4074 and S 1200 The CLAIM Act - Monitor efforts to facilitate financial services to legal cannabis-related businesses HR 1756 - The Preventing Credit Score Discrimination in Auto Insurance Act - monitoring this bill which could impact insurance underwriting HR 1862 and S 1586 - The Federal Insurance Office Abolishment Act of 2019 - monitor potential changes to FIO that would impact the insurance industry HR 4592 International Insurance Standards Act of 2019; support

Client expense: $200,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Reauthorization of the National Flood Insurance Program; Support the repeal or reform of the Federal Insurance Office; support the expansion of private flood insurance; To amend the National Flood Insurance Act of 1968 to allow for the consideration of private flood insurance for the purposes of applying continuous coverage requirements, and for other purposes.(H.R. 1666); Federal Insurance Office Abolishment Act (H.R. 1862/S. 1586); the Community Mapping Act ( H.R. 472); NFIP Reauthorization Act of 2019(H.R. 3167); NFIP Administrative Reform Act (H.R. 3111); SAFE NFIP Act (not yet introduced); Issues related to auto insurance; Legislation to provide a safe harbor for insurers and agents for providing the business of insurance cannabis-related legitimate businesses; reauthorization of the terrorism risk insurance program; National Flood Insurance Program Reauthorization and Reform Act of 2019 (S. 2187/H.R.3872); Continuing Appropriations Act, 2020, and Health Extenders Act of 2019 (H.R.4378); the SAFE Banking Act of 2019 (H.R. 1595); the Clarifying Law Around Insurance of Marijuana (CLAIM) Act; (S. 2201/H.R. 4074); Terrorism Risk Insurance Program Reauthorization Act of 2019 (H.R. 4634); Terrorism Risk Insurance Program Reauthorization Act of 2019 (S. 2877); Extension of the National Flood Insurance Program in the Further Continuing Appropriations Act, 2020, and Further Health Extenders Act of 2019 (H.R. 3055); Extension of the National Flood Insurance Program and reauthorization of the Terrorism Risk Insurance Act program in the Further Consolidated Appropriations Act, 2020 (H.R. 1865); The SAFE Banking Act of 2019 (H.R. 1595) ; issues related to business interruption insurance and COVID-19; general issues related to COVID-19

Client expense: $83,465 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Risk Management Agency, SENATE, Treasury, Dept of

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III * Implementation of S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issue: CECL, TDR, Remote Online Notarization, SBA loans. H.R. 1815 - SEC Disclosure Effectiveness Test Act. Issue: SEC investor testing. H.R. 1862/S. 1586 - Federal Insurance Office Abolishment Act of 2019. Issue: FIO reform. H.R. 3561/S. 603 - Financial Stability Oversight Council Improvement Act of 2019. Issue: FSOC reform. H.R. 1595/S.___ - Secure and Fair Enforcement Banking Act. Issue: Insurance companies working with legitimate marijuana businesses. H.R. 3351- Financial Services and General Government Appropriations Act, 2020. Issue: Making appropriations for financial services and general government for the fiscal year ending September 30, 2020. H.R. 2474/S.664 - Protecting Workers Freedom to Organize Act. To amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959. Issue: independent contractor status. H.R. 4592 - International Insurance Standards Act of 2019. To preserve the state-based system of insurance regulation and provide greater oversight of and transparency on international insurance standards setting process. Issue: insurance capital standards. S.__ Clarifying that the CFPB does not regulate the business of insurance. Issue: Making Diversity and Inclusion Efforts more Intentional. No bill number assigned. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Government Sponsored Enterprises (GSE) reform. No bill number assigned.

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

Government targets: HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

H.R. 1862 - Federal Insurance Office Abolishment Act of 2019; H.R. 2479 - Primary Regulators of Insurance Vote Act of 2019 or the PRIVA Act; H.R. 4074 - Clarifying Law Around Insurance of Marijuana Act or the CLAIM Act; H.R. 4592 - International Insurance Standards Act of 2019; S. 1298 - Primary Regulators of Insurance Vote Act of 2019 or the PRIVA Act; S. 1586 - Federal Insurance Office Abolishment Act of 2019; S. 2201 - Clarifying Law Around Insurance of Marijuana Act or the CLAIM Act; International insurance legislation.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, SENATE

-H.R.1756, Preventing Credit Score Discrimination in Auto Insurance Act - prohibit the use of consumer reports and consumer information in making any determination involving auto insurance -H.R.1862, To abolish the Federal Insurance Office of the Department of the Treasury -H.R.1595, SAFE Banking Act of 2019 - To create protections for depository institutions that provide financial services to cannabis-related legitimate businesses -H.R. 1832, Insurance Fairness for First Responders Act of 2019 - to prevent the denial of life insurance coverage for certain holders of Narcan/naloxone prescriptions -H.R. 1375, S. 1989 - Provide Accurate Information Directly (PAID) Act - to improve Medicare Secondary Payer process for Medicare Parts C and D -S. 603, Financial Stability Oversight Council Improvement Act of 2019 - to require the Financial Stability Oversight Council to consider alternative approaches before determining that a U.S. nonbank financial company shall be supervised by the Board of Governors of the Federal Reserve System -S.766, Providing Responsible Oversight of Trusts to Ensure Compensation and Transparency (PROTECT) for Asbestos Victims Act of 2019 - to promote the investigation of fraudulent claims against certain trusts and to provide penalties against fraudulent claims against certain trusts -H.R. 1185, S. 463, Family and Medical Insurance Leave (FAMILY) Act - To provide paid family and medical leave benefits to certain individuals -S. 142, The American Data Dissemination Act - a bill to create federal data privacy laws and regulations through the FTC -H.R.2013, Information Transparency & Personal Data Control Act - to require the Federal Trade Commission to promulgate regulations related to sensitive personal information -S. 3744 (2018), Data Care Act Of 2018 - to establish duties for online service providers with respect to end user data that such providers collect and use -S. ___, Consumer Data Protection Act - to establish requirements and responsibilities for entities that use, store, or share personal information, to protect personal information -S.583, DATA Privacy Act - to establish federal data privacy standards S. 1028, H.R. 2093, Strengthening the Tenth Amendment Through Entrusting States (STATES) Act - creates safe harbor from federal laws when doing business with legal state marijuana business PL111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act Issue: International Insurance Capital Standards S.1214 - A bill to establish and protect individual and collective privacy rights, and for other purposes. S. 1298, H.R. 2479, Primary Regulators of Insurance Vote Act - to include the State insurance commissioner as a voting member of the Financial Stability Oversight Council H.R. 1500, Consumer First Act - To repeal changes made to the CFPB. Amendment offered by Rep. Takano to direct a FIO study of insurance. See standalone bill. S. 1628, Paid Family Leave Pilot Extension Act - would extend the program until 2022. S.1586, H.R. 1862, Federal Insurance Office Abolishment Act of 2019 - This bill eliminates the Federal Insurance Office (FIO) within the Department of the Treasury H.R. 3279, A bill to require the Securities and Exchange Commission to establish a Diversity Advisory Group to study and make recommendations on strategies to increase gender, racial, and ethnic diversity among the members of the board of directors of issuers, to amend the Securities Exchange Act of 1934 to require issuers to make disclosures to shareholders with respect to gender, racial, and ethnic diversity, and for other purposes Insurance Underwriting Insurance Capital Standards Autonomous Vehicles Data Privacy and Security H.R. 3693 - Prohibit Auto Insurance Discrimination Act - prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility. H.R. 4075, S.2201, the Clarifying Law Around Insurance of Marijuana (CLAIM) Act - To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business H.R. 2013 - Information Transparency & Personal Data Control Act - To require the Federal Trade Commission to promulgate regulations related to sensitive personal information H.R. __, S. ___, Business of Insurance Regulatory Reform Act - amend the Consumer Financial Protection Act of 2010 to clarify the authority of the Bureau of Consumer Financial Protection with respect to persons regulated by a State insurance regulator H.R. 1224, S. 511, Living Donor Protection Act - To promote and protect from discrimination living organ donors H.R.4592 -International Insurance Standards Act of 2019 (Budd-Heck) H.R. 2474, Protecting the Right to Organize (PRO) Act of 2019 - to amend labor requirements H.R. 4978, Online Privacy Act of 2019 - bill to establish federal data privacy framework. H.R. ___, Freezing Assets of Suspected Terrorists and Enemy Recruits (FASTER) Act -- require financial institutions to freeze the assets of people under suspicion of domestic terrorism H.R. 4523, Nonprofit Property Protection Act -- allows certain risk-retention groups that serve nonprofit organizations to offer additional types of commercial insurance. S. __ U.S. Consumer Data Privacy Act (USCDPA) - draft data privacy legislation (Wicker) S. ___, Consumer Online Privacy Rights Act of 2019 (COPRA) - draft data privacy legislation (Cantwell) H.R. ___, House Energy & Commerce Committee Staff Bipartisan Data Privacy Draft - data privacy H.R. ___, draft legislation to direct a federal study of factors impacting auto-insurance rates - auto insurance H.R. 535, PFAS Action Act - to increase EPA oversight of PFAS chemicals. H.R. 5494, the Catastrophe Loss Mitigation Incentive and Tax Parity Act of 2019 -- ensure that state-based grants received by homeowners for disaster mitigation are not be subject to federal income tax. Issue: Rising Cost of Auto Repair H.R. 3462/S. 1958, SHELTER Act -- to provide tax credits to property owners who make qualified mitigation investments (based on the model of long-standing energy tax credits). HR.3781, Improving National Safety by Updating the Required Amount of Insurance Needed by Commercial Motor Vehicles per Event (INSURANCE) Act of 2019 -- increase the minimum levels of insurance for commercial vehicles S.3300, Data Protection Act of 2020 - to establish a Federal data protection agency, and for other purposes. HR __, Insurance Data Protection Act - to reform FIO data requests. H.R. 224, Protect Taxpayer Dollars, Small Contractors, Suppliers and Workers - requiring indexing for Miller Act bonding requirements. HR 6359, Promoting Infrastructure by Protecting Our Subcontractors and Tax Payers Act - require bonds or sufficient security on public construction projects that receive federal financing from TIFIA loans S. 3533, SECURE Notarization Act - to allow remote notarization DRAFT HR ___, Fair Auto Insurance Ratemaking (FAIR) Study Act of 2020 - to study discrimination in auto-insurance

Client expense: $750,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), 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)

Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III. Export Import Bank: additionality policies and procedures. Discussion Draft: International Insurance Standards Act. H.R. 1596/S. 627 - The Secure and Fair Enforcement or SAFE Banking Act of 2019. S. 2201 - The Clarifying Law Around Insurance of Marijuana (CLAIM) Act. H.R. 1832 - Insurance Fairness for First Responders Act of 2019. S. 3533 Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2020 Section 4013 and 4014 of the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) - Jones/McSally amendment advocating for the inclusion of financial institutions in both provisions Potential legislation on banning short selling H.R. 1862/S. 1586 - Federal Insurance Office Abolishment Act of 2019. Issue: FIO reform. Discussions related to the following bills from the previous Congress: H.R. 10 - Financial CHOICE Act. Issue: Implementation and regulatory reform of the financial services industry. Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy. Potential ESG Legislation.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 1862 - Federal Insurance Office Abolishment Act of 2019 H.R. 2479 - Primary Regulators of Insurance Vote Act of 2019 or the PRIVA Act H.R. 4074 - Clarifying Law Around Insurance of Marijuana Act or the CLAIM Act H.R. 4592 - International Insurance Standards Act of 2019 S. 1298 - Primary Regulators of Insurance Vote Act of 2019 or the PRIVA Act S. 1586 - Federal Insurance Office Abolishment Act of 2019 S. 2201 - Clarifying Law Around Insurance of Marijuana Act or the CLAIM Act International insurance legislation

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

Government targets: Agriculture, Dept of (USDA), Executive Office of the President (EOP), Export-Import Bank of the United States (EXIM Bank), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), Overseas Private Investment Corp (OPIC), SENATE, Small Business Administration (SBA), Treasury, Dept of, U.S. Trade Representative (USTR), Vice President of the U.S.

H.R. 1862 - Federal Insurance Office Abolishment Act of 2019 H.R. 2479 - Primary Regulators of Insurance Vote Act of 2019 or the PRIVA Act H.R. 4074 - Clarifying Law Around Insurance of Marijuana Act or the CLAIM Act H.R. 4592 - International Insurance Standards Act of 2019 S. 1298 - Primary Regulators of Insurance Vote Act of 2019 or the PRIVA Act S. 1586 - Federal Insurance Office Abolishment Act of 2019 S. 2201 - Clarifying Law Around Insurance of Marijuana Act or the CLAIM Act International insurance legislation

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

Government targets: Executive Office of the President (EOP), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR), Vice President of the U.S.

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Implementation of S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issue: CECL, TDR, Remote Online Notarization, SBA loans. H.R. 1815 - SEC Disclosure Effectiveness Test Act. Issue: SEC investor testing. H.R. 1862/S. 1586 - Federal Insurance Office Abolishment Act of 2019. Issue: FIO reform. H.R. 3561/S. 603 - Financial Stability Oversight Council Improvement Act of 2019. Issue: FSOC reform. H.R. 1595/S.___ - Secure and Fair Enforcement Banking Act. Issue: Insurance companies working with legitimate marijuana businesses. H.R. 3351- Financial Services and General Government Appropriations Act, 2020. Issue: Making appropriations for financial services and general government for the fiscal year ending September 30, 2020. H.R. 3614 - Restricting Use of Credit Checks for Employment Decisions Act. Issue: ban the use of credit information for most employment decisions. H.R. 2474/S.664 - Protecting Workers Freedom to Organize Act. To amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959. Issue: independent contractor status. H.R. 4592 - International Insurance Standards Act of 2019. To preserve the state-based system of insurance regulation and provide greater oversight of and transparency on international insurance standards setting process. Issue: insurance capital standards. H.R.__ - Clarity in Credit Score Formation Act. Issue: Establishing clear federal oversight of the development of credit scoring models. S.__ Clarifying that the CFPB does not regulate the business of insurance. Issue: Making Diversity and Inclusion Efforts more Intentional. No bill number assigned. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Government Sponsored Enterprises (GSE) reform. No bill number assigned.

Client expense: $752,105 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Implementation of S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issue: CECL, TDR, Remote Online Notarization, SBA loans. H.R. 1815 - SEC Disclosure Effectiveness Test Act. Issue: SEC investor testing. H.R. 1862/S. 1586 - Federal Insurance Office Abolishment Act of 2019. Issue: FIO reform. H.R. 3561/S. 603 - Financial Stability Oversight Council Improvement Act of 2019. Issue: FSOC reform. H.R. 1595/S.___ - Secure and Fair Enforcement Banking Act. Issue: Insurance companies working with legitimate marijuana businesses. H.R. 3351- Financial Services and General Government Appropriations Act, 2020. Issue: Making appropriations for financial services and general government for the fiscal year ending September 30, 2020. H.R. 3614 - Restricting Use of Credit Checks for Employment Decisions Act. Issue: ban the use of credit information for most employment decisions. H.R. 2474/S.664 - Protecting Workers Freedom to Organize Act. To amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959. Issue: independent contractor status. H.R. 4592 - International Insurance Standards Act of 2019. To preserve the state-based system of insurance regulation and provide greater oversight of and transparency on international insurance standards setting process. Issue: insurance capital standards. H.R.__ - Clarity in Credit Score Formation Act. Issue: Establishing clear federal oversight of the development of credit scoring models. S.__ Clarifying that the CFPB does not regulate the business of insurance. Issue: Making Diversity and Inclusion Efforts more Intentional. No bill number assigned. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Government Sponsored Enterprises (GSE) reform. No bill number assigned.

Client expense: $752,105 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Implementation of S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issue: CECL, TDR, Remote Online Notarization, SBA loans. H.R. 1815 - SEC Disclosure Effectiveness Test Act. Issue: SEC investor testing. H.R. 1862/S. 1586 - Federal Insurance Office Abolishment Act of 2019. Issue: FIO reform. H.R. 3561/S. 603 - Financial Stability Oversight Council Improvement Act of 2019. Issue: FSOC reform. H.R. 1595/S.___ - Secure and Fair Enforcement Banking Act. Issue: Insurance companies working with legitimate marijuana businesses. H.R. 3351- Financial Services and General Government Appropriations Act, 2020. Issue: Making appropriations for financial services and general government for the fiscal year ending September 30, 2020. H.R. 3614 - Restricting Use of Credit Checks for Employment Decisions Act. Issue: ban the use of credit information for most employment decisions. H.R. 2474/S.664 - Protecting Workers Freedom to Organize Act. To amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959. Issue: independent contractor status. H.R. 4592 - International Insurance Standards Act of 2019. To preserve the state-based system of insurance regulation and provide greater oversight of and transparency on international insurance standards setting process. Issue: insurance capital standards. H.R.__ - Clarity in Credit Score Formation Act. Issue: Establishing clear federal oversight of the development of credit scoring models. S.__ Clarifying that the CFPB does not regulate the business of insurance. Issue: Making Diversity and Inclusion Efforts more Intentional. No bill number assigned. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Government Sponsored Enterprises (GSE) reform. No bill number assigned.

Client expense: $752,105 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1862 - To Abolish the Federal Insurance Office of the Department of the Treasury, and for other purposes (Alexander Mooney, R-WV-2), ALL PROVISIONS S.1586 - Federal Insurance Office Abolishment Act of 2019 (Ted Cruz, R-TX), ALL PROVISIONS H.R.2684 - To require the Federal Insurance Office of the Department of the Treasury to conduct a study to identify disparities between communities in auto insurance costs and payout amounts based on the predominant racial makeup of such communities, and for other purposes (Mark Takano, D-CA-41), ALL PROVISIONS S.1868 - A bill to provide support to States to establish invisible high-risk pool or reinsurance programs (Susan Collins, R-ME), ALL PROVISIONS H.R.2479 - Primary Regulators of Insurance Vote Act of 2019 (Denny Heck, D-WA-10), ALL PROVISIONS S.1298 - Primary Regulators of Insurance Vote Act of 2019 (Tim Scott, R-SC), ALL PROVISIONS H.R.4074 - To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business, and for other purposes (Nydia Velazquez, D-NY-7), ALL PROVISIONS H.R.4037 - To promote uniformity and reciprocity among States that license insurance claims adjusters and to facilitate prompt and efficient adjusting of insurance claims, and for other purposes (David Kustoff, R-TN-8), ALL PROVISIONS S.2201 - CLAIM Act (Robert Menendez, D-NJ), ALL PROVISIONS oHouse bill: H.R.4074 (Nydia Velazquez, D-NY-7), ALL PROVISIONS H.R.3693 - Prohibit Auto Insurance Discrimination Act (Bonnie Watson Coleman, D-NJ-12), ALL PROVISIONS H.R.4523 - To amend the Liability Risk Retention Act of 1986 to expand the types of commercial insurance authorized for risk retention groups serving nonprofit organizations, and for other purposes (Al Green, D-TX-9), ALL PROVISIONS H.R.4592 - To preserve the State-based system of insurance regulation and provide greater oversight of and transparency on international insurance standards setting processes, and for other purposes (Denny Heck, D-WA-10), ALL PROVISIONS H.R.4598 - To amend the Internal Revenue Code of 1986 to provide an exemption from FIRPTA for interests held by certain foreign insurance companies (Thomas Suozzi, D-NY-3), ALL PROVISIONS H.R.4634 - Terrorism Risk Insurance Program Reauthorization Act of 2019 - To reauthorize the Terrorism Risk Insurance Act of 2002, and for other purposes (Maxine Waters, D-CA-43), ALL PROVISIONS S.2877 - Terrorism Risk Insurance Program Reauthorization Act of 2019 (Thom Tillis, R-NC), ALL PROVISIONS H.R.5265 - To provide for the restoration of legal rights for claimants under holocaust-era insurance policies (Debbie Wasserman Schultz, D-FL-23), ALL PROVISIONS S.3123 - State Insurance Regulation Preservation Act (Thom Tillis, R-NC), ALL PROVISIONS S.2964 - A bill to amend title 49, United States Code, to extend the authority of the Secretary of Transportation to issue non-premium aviation insurance (Roger Wicker, R-MS), ALL PROVISIONS H.R.5746 - To amend the Internal Revenue Code of 1986 to provide special rules for purposes of determining if financial guaranty insurance companies are qualifying insurance corporations under the passive foreign investment company rules (Gwen Moore, D-WI-4), ALL PROVISIONS

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

Government targets: Commerce, Dept of (DOC), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Highway Traffic Safety Administration (NHTSA), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 1595 - Secure And Fair Enforcement Banking Act of 2019 or the SAFE Banking Act of 2019 H.R. 1862 - Federal Insurance Office Abolishment Act of 2019 H.R. 2479 - Primary Regulators of Insurance Vote Act of 2019 or the PRIVA Act H.R. 3407 - United States Export Finance Agency Act of 2019 H.R. 4074 - Clarifying Law Around Insurance of Marijuana Act or the CLAIM Act H.R. 4592 - International Insurance Standards Act of 2019 H.R. 4634 - Terrorism Risk Insurance Program Reauthorization Act of 2019 H.R. 4863 - United States Export Finance Agency Act of 2019 S. 1200 - Secure And Fair Enforcement Banking Act of 2019 or the SAFE Banking Act of 2019 S. 1298 - Primary Regulators of Insurance Vote Act of 2019 or the PRIVA Act S. 1586 - Federal Insurance Office Abolishment Act of 2019 S. 2201 - Clarifying Law Around Insurance of Marijuana Act or the CLAIM Act S. 2293 - Export-Import Bank Reauthorization Act of 2019 S. 2877 - Terrorism Risk Insurance Program Reauthorization Act of 2019 Cyber security, cyber insurance, and data breach legislation Dodd-Frank Act legislation International insurance legislation

Client expense: $330,000 · Firm income: Not reported

Government targets: Export-Import Bank of the United States (EXIM Bank), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

H.R. 1595 - Secure And Fair Enforcement Banking Act of 2019 or the SAFE Banking Act of 2019 H.R. 1862 - Federal Insurance Office Abolishment Act of 2019 H.R. 2479 - Primary Regulators of Insurance Vote Act of 2019 or the PRIVA Act H.R. 3407 - United States Export Finance Agency Act of 2019 H.R. 4074 - Clarifying Law Around Insurance of Marijuana Act or the CLAIM Act S. 1200 - Secure And Fair Enforcement Banking Act of 2019 or the SAFE Banking Act of 2019 S. 1298 - Primary Regulators of Insurance Vote Act of 2019 or the PRIVA Act S. 1586 - Federal Insurance Office Abolishment Act of 2019 S. 2201 - Clarifying Law Around Insurance of Marijuana Act or the CLAIM Act S. 2293 - Export-Import Bank Reauthorization Act of 2019 Cannabis insurance safe harbor legislation Cyber security, cyber insurance, and data breach legislation Dodd-Frank Act legislation Export-Import Bank legislation Export-Import Bank reinsurance program legislation International insurance legislation Terrorism Risk Insurance Program legislation

Client expense: $330,000 · Firm income: Not reported

Government targets: Congressional Budget Office (CBO), Export-Import Bank of the United States (EXIM Bank), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of