Asset Growth Restriction Act of 2020

Federal policies related to tax, payment systems, banking, and prepaid matters; S.3962, Asset Growth Restriction Act of 2020; H.R.133, Making consolidated appropriations for the fiscal year ending September 30, 2021, providing coronavirus emergency response and relief, and for other purposes (P.L.116-260).

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

Government targets: Consumer Financial Protection Bureau (CFPB), SENATE

H.R. 113 Consolidated Appropriations Act H.R. 388 Financial Reporting Threshold Modernization H.R. 442 Financial Protection for Our Military Families Act H.R. 748 CARES Act H.R. 925 Updated Heroes Act H.R. 1038 Treasury Dept. to take greater role in Anti-Money Laundering/CFT policy and examinations H.R. 1039 Streamline Currency Transaction Reports and Suspicious Activity Reports H.R. 1595 SAFE Banking Act H.R. 2513 Reforms collection of beneficial ownership information for corporations and LLCs H.R. 3182 Requires agency study of Current Expected Credit Loss standard and delays effective date of standard-CECL Consumer Impact and Study Act of 2019 H.R. 3642 Improving Credit Reporting for All Consumers Act H.R. 5315 Expanding Opportunity in Minority Depository Institutions Act H.R. 5322 Ensuring Diversity in Community Banking Act of 2019 H.R. 6249 Coronavirus Accounting Relief Act H.R. 6364 SECURE Notarization Act H. R. 6385 To provide temporary relief from troubled debt restructuring disclosures, to delay the implementation of certain accounting standards for depository Institutions substantially affected by COVID-19, and for other purposes. H.R. 6395 National Defense Authorization Act for Fiscal Year 2021 H.R. 6776 JOBS Credit Act of 2020 H.R. 6800 HEROES Act H.R. 6821 Small Business Expense Protection Act of 2020 H.R. 7010 Payment Protection Program Flexibility Act of 2020 H.R. 7413 Calculate PPP Forgiveness Act H.R. 7668 FY2021 FSGG Appropriations (Banking amendment provisions) H.R. 7709 Jobs and Neighborhood Enhancement Act H.R. 7777 The Paycheck Protection Small Business Forgiveness Act H.R. 7894 The Paycheck Protection Program Small Business Enhancement Act H.R. 7993 Promoting and Advancing Communities of Color Through Inclusive Lending Act H.R. 8215 Improving Digital Identity Act of 2020 H.R. 8337 Continuing Appropriations Act 2021 (Banking amendment provisions) H.R. 8410 Promoting and Advancing Capital in Underbanked Communities Act H.R. 8631 EIDL Forgiveness Act H.R. 8675 Preventing Regulatory Penalties for PPP Lenders Act H.J. Res 90 Providing for Congressional disapproval of the OCC rule relating to Community Reinvestment Act Regulation S. 1200 SAFE Banking Act S. 1233 Community Bank Access to Capital Act S. 1564 Requires agency study of Current Expected Credit Loss standard and delays effective date of standard S. 2563 Illicit Cash Act S. 2839 Eliminating Corporate Shadow Banking Act of 2019 S. 3502 Community Bank Regulatory Relief Act S. 3533 SECURE Notarization Act S. 3548 CARES Act S. 3612 Small Business Expense Protection Act of 2020 S. 3774 Community Capital Investment Act S. 3841 To protect 2020 recovery rebates for individuals from assignment or garnishment S. 3962 Asset Growth Restriction Act of 2020 S. 4014 Prioritized Paycheck Protection Program Act S. 4049 National Defense Authorization Act for Fiscal Year 2021. Section 2885 creates parity between credit unions and banks located on bases. S. 4116 Reauthorize lending under the Payment Protection Program S. 4117 The Paycheck Protection Program Small Business Forgiveness Act S. 4159 E-SIGN Modernization Act S. 4171 Calculate PPP Forgiveness Act of 2020 S. 4255 Jobs and Neighborhood Enhancement Act S. 4614 Postal Banking Act S. 4914 Prioritized Paycheck Protection Program Act S. 4626 SAFE Data Act S. 4644 - A bill to amend the Federal Deposit Insurance Act to ensure that certain custodial deposits of well capitalized insured depository institutions are not considered to be funds obtained by or through deposit brokers S. 4818 HEROES Small Business Lifeline Act S. 4875 Good Faith PPP Borrowers and Lenders Act S. 4885 EIDL Protection Act S. 4927 EIDL Forgiveness Act Bank Capital and Accounting Relief Bank Secrecy Act/Anti-Money Laundering Rules/Legislation, including Beneficial Ownership Issue Bank Secrecy Act Filing Deadline Extension Request During COVID-19 Emergency Brokered Deposits Call Report Streamlining Cannabis Banking CARES Act, Economic Impact Payments CARES Act, Paycheck Protection Program Implementation Community Bank Access to Capital Community Bank Leverage Ratio Community Development Financial Institutions (CDFI) Fund Appropriations Community Reinvestment Act Modernization Credit Union Business Lending Powers Credit Union Field of Membership Rules Credit Union Growth/Powers/Abusive Behavior Credit Union Acquisitions of Community Banks Credit Union Supplemental Capital Current Expected Credit Losses (CECL) Customer Data Access Customer Due Diligence Rule Cybersecurity Data Security, Breaches and Privacy De novo bank formation Equal treatment between community banks and credit unions when assessing rent and related charges on military bases Exclusion of Paycheck Protection Program Loans from Calculation of Bank Asset Thresholds Faster Payments/Federal Reserve Real Time Gross Settlement System Figure Bank, N.A. Charter Application Fintech Regulatory Requirements Flood Insurance Reauthorization Industrial Loan Corporation Loophole Reforms/Rakuten Deposit Insurance Applications Innovation Initiatives (FinTech/Banking Relationships) Interest Rate Caps Loan Modifications: Regulatory Treatment Main Street Lending Program Minority Depository Institutions Issues Money Transmission Mortgage servicer liquidity facility OCC Proposed Payments Charter Postal Banking Regulatory Burden Relief for Community Banks Regulatory and Tax Relief for Community Banks SBA 7(a) Loan Program Funding and Terms Troubled Debt Restructuring

Bank On Brokered Deposits H.R. 741, TAILOR Act H.R. 133, Consolidated Appropriations Act, 2021 H.R. 189, Financial Institution Customer Protection Act of 2019 H.R. 1595, the Secure and Fair Enforcement (SAFE) Banking Act of 2019 H.R. 3619, Appraisal Fee Transparency Act of 2019 H.R. 5194 / S. 2903 /, Climate Change Financial Risk Act of 2019 H.R. 5315, the Expanding Opportunities for Minority Depository Institutions (MDIs) Act H.R. 5322, the Ensuring Diversity in Community Banking Act of 2019 S. 1200, Secure and Fair Enforcement Banking (SAFE) Act of 2019 S. 1233, Community Bank Access to Capital Sec. 2821 of S. 1790, National Defense Authorization Act of 2020 Section 2885 of S. 4049, National Defense Authorization Act for Fiscal Year 2021 S. 2839, Eliminating Corporate Shadow Banking Act of 2019 Sections 4011 and 4012 of H.R. 748/ S. 3548, CARES Act H.R. 748/ S.3548, CARES Act S___, Immediate Measures to Protect Against COVID-19 Threats (IMPACT) for Small Business Act of 2020 S. 3502, The Community Bank Regulatory Relief Act S. 3962, Asset Growth Restriction Act of 2020 S. 3841, A bill to protect 2020 recovery rebates for individuals from assignment or garnishment, and for other purposes. S. 4159, E-SIGN Modernization Act of 2020 H.R. 6800, HEROES Act H. J. Res. 90, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to Community Reinvestment Act Regulations Central Bank Digital Currency

Client expense: $2,940,000 · Firm income: Not reported

Federal policies related to tax, payment systems, banking, and prepaid matters; S.3962, Asset Growth Restriction Act of 2020.

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

Government targets: Consumer Financial Protection Bureau (CFPB), SENATE

H.R. 1018 - Improving Corporate Governance Through Diversity Act of 2019; entire bill H.R. 1595 - Secure and Fair Enforcement Banking Act of 2019 or the SAFE Banking Act of 2019; provisions relating to provision of services to legitimate state-approved businesses H.R. 1876 - Senior Security Act of 2019; entire bill H.R. 2513 - Corporate Transparency Act of 2019; entire bill H.R. 4117 - IRA Preservation Act of 2019; entire bill H.R. 4335 - 8-K Trading Gap Act of 2019; entire bill H.R. 5084 - Improving Corporate Governance Through Diversity Act of 2019; entire bill H.R. 6339 - To temporarily ban stock buybacks until the impact of COVID-19 on the American financial system has ended; entire bill H.R. 6364 - Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act of 2020; entire bill H.R. 6371 - To amend the Securities Exchange Act of 1934 to require issuers to disclose risks related to global pandemics, and for other purposes; entire bill H.R. 6994 - Registration for Index-Linked Annuities Act; entire bill H.R. 7777 - Paycheck Protection Small Business Forgiveness Act; entire bill S. 603 - Financial Stability Oversight Council Improvement Act of 2019; entire bill S. 945 - Holding Foreign Companies Accountable Act; entire bill S. 3456 - Consumer Data Privacy and Security Act of 2020; entire bill S. 3795 - Registration for Index Linked Annuities Act of 2020; entire bill S. 3962 - Asset Growth Restriction Act; entire bill S. 4116 - A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans under section 7(a) of the Small Business Act, and for other purposes; entire bill S. 4117 - Paycheck Protection Small Business Forgiveness Act; entire bill Not Yet Introduced: Bipartisan Privacy bill; entire bill Not Yet Introduced: Diverse Investment Advisors Act; entire bill Not Yet Introduced: Consumer Data Privacy Act; provisions including those relating to data collection, privacy and protection of data, algorithms, definitions, control, enforcement and preemption

Implementation of Public Law 116-136 (Coronavirus Aid, Relief, and Economic Security Act--CARES Act); the Payroll Protection Program and clarity around loan applications, loan forgiveness, and other terms of the loan program Implementation of the Main Street Lending Program; monitored program terms Treatment of Economic Injury Disaster Loans (EIDL); specifically, the covenants required by the Small Business Administration (SBA) S. 3962, Asset Growth Restriction Act of 2020 S. 4321, Continuing Small Business Recovery and Paycheck Protection Program Act, including provisions relating to streamlined PPP forgiveness H.R. 7777/S. 4117, Paycheck Protection Small Business Forgiveness Act, including provisions relating to streamlined PPP forgiveness

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

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

Issues affecting financial institutions. Issues affecting brokered deposits. H.R. 4501, Consumer Transaction Account Protection Acts of 2019, all provisions. S. 3108, Consumer Transaction Account Protection Act of 2019, all provisions. S. 3962, Asset Growth Restriction Act of 2020, all provisions. HR 6800, Health and Economic Recovery Omnibus Emergency Solutions Act or the HEROES Act, provisions affecting financial institutions. Health, Economic Assistance, Liability Protection and Schools Act (HEALS Act) provisions affecting financial institutions.

Client expense: Not reported · Firm income: $45,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S 3962, Asset Growth Restriction Act of 2020, issues related to brokered deposits; S 3111, Brokered Deposit Affiliate - Subsidiary Modernization Act of 2019, issues related to brokered deposits; S 2903, Climate Change Financial Risk Act of 2019, issues related to bank stress tests; HR 5195, FAIR Fees Act, issues related to bank stress tests; HR 6800, The Heroes Act, issues related to paycheck protection program; HR 7777, Paycheck Protection Small Business Forgiveness Act, issues related to paycheck protection program; HR 8265, To amend the Small Business Act and the CARES Act to establish a program for a second draw loans and make other modifications to the paycheck protection program, and for other purposes, issues related to paycheck protection program; S 4321, Continuing Small Business Recovery and Paycheck Protection Program Act, issues related to paycheck protection program; General issues related to data security; General issues related to interchange; General issues related to privacy; General issues related to cybersecurity; General issues related to bank capital; General issues related to digital activities; General issues related to data breaches; General privacy issues related to COVID contact tracing; General issues related to GLBA privacy enhancement.

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

Issues related to foreign-owned banks. Issues related to pandemic relief, including H.R. 748 (CARES Act; Titles I and IV), H.R. 7010 (Paycheck Protection Program Flexibility Act of 2020), S. 4117 (Paycheck Protection Small Business Forgiveness Act), S. 178 (provisions related to COVID relief and paycheck protection, drafted as an amendment to S. 178), and H.R. 6800 (HEROES Act). Issues related to brokered deposits, including S. 3111 (Brokered Deposit Affiliate-Subsidiary Modernization Act of 2019) and S. 3962 (Asset Growth Restriction Act). Issues related to money laundering, including S. 2563 (ILLICIT CASH Act).

Client expense: $160,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Brokered Deposits H.R. 741, TAILOR Act H.R. 189, Financial Institution Customer Protection Act of 2019 H.R. 1595, the Secure and Fair Enforcement (SAFE) Banking Act of 2019 H.R. 3619, Appraisal Fee Transparency Act of 2019 H.R. 5194 / S. 2903 /, Climate Change Financial Risk Act of 2019 H.R. 5315, the Expanding Opportunities for Minority Depository Institutions (MDIs) Act H.R. 5322, the Ensuring Diversity in Community Banking Act of 2019 S. 1200, Secure and Fair Enforcement Banking (SAFE) Act of 2019 S. 1233, Community Bank Access to Capital Sec. 2821 of S. 1790, National Defense Authorization Act of 2020 Section 2885 of S. 4049, National Defense Authorization Act for Fiscal Year 2021 S. 2839, Eliminating Corporate Shadow Banking Act of 2019 H.R. 748/ S.3548, CARES Act S___, Immediate Measures to Protect Against COVID-19 Threats (IMPACT) for Small Business Act of 2020 S. 3502, The Community Bank Regulatory Relief Act S. 3962, Asset Growth Restriction Act of 2020 S. 3841, A bill to protect 2020 recovery rebates for individuals from assignment or garnishment, and for other purposes. S. 4159, E-SIGN Modernization Act of 2020 H.R. 6800, HEROES Act H. J. Res. 90, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to Community Reinvestment Act Regulations Central Bank Digital Currency

Client expense: $2,930,000 · Firm income: Not reported

H.R. 388 Financial Reporting Threshold Modernization H.R. 442 Financial Protection for Our Military Families Act H.R. 748 CARES Act H.R. 925 Updated Heroes Act H.R. 1038 Treasury Dept. to take greater role in Anti-Money Laundering/CFT policy and examinations H.R. 1039 Streamline Currency Transaction Reports and Suspicious Activity Reports H.R. 1595 SAFE Banking Act H.R. 2513 Reforms collection of beneficial ownership information for corporations and LLCs H.R. 2514 Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act: Makes amendments to Bank Secrecy Act H.R. 3182 Requires agency study of Current Expected Credit Loss standard and delays effective date of standard-CECL Consumer Impact and Study Act of 2019 H.R. 3642 Improving Credit Reporting for All Consumers Act H.R. 5315 Expanding Opportunity in Minority Depository Institutions Act H.R. 5322 Ensuring Diversity in Community Banking Act of 2019 H.R. 6249 Coronavirus Accounting Relief Act H.R. 6364 SECURE Notarization Act H. R. 6385 To provide temporary relief from troubled debt restructuring disclosures, to delay the implementation of certain accounting standards for depository Institutions substantially affected by COVID-19, and for other purposes. H.R. 6395 National Defense Authorization Act for Fiscal Year 2021 H.R. 6776 JOBS Credit Act of 2020 H.R. 6800 HEROES Act H.R. 6821 Small Business Expense Protection Act of 2020 H.R. 7010 Payment Protection Program Flexibility Act of 2020 H.R. 7413 Calculate PPP Forgiveness Act H.R. 7668 FY2021 FSGG Appropriations (Banking amendment provisions) H.R. 7709 Jobs and Neighborhood Enhancement Act H.R. 7777 The Paycheck Protection Small Business Forgiveness Act H.R. 7894 The Paycheck Protection Program Small Business Enhancement Act H.R. 7993 Promoting and Advancing Communities of Color Through Inclusive Lending Act H.R. 8215 Improving Digital Identity Act of 2020 H.R. 8337 Continuing Appropriations Act 2021 (Banking amendment provisions) H.R. 8410 Promoting and Advancing Capital in Underbanked Communities Act H.R. 8631 EIDL Forgiveness Act H.J. Res 90 Providing for Congressional disapproval of the OCC rule relating to Community Reinvestment Act Regulation S. 1200 SAFE Banking Act S. 1233 Community Bank Access to Capital Act S. 1564 Requires agency study of Current Expected Credit Loss standard and delays effective date of standard S. 2563 Illicit Cash Act S. 2839 Eliminating Corporate Shadow Banking Act of 2019 S. 3502 Community Bank Regulatory Relief Act S. 3533 SECURE Notarization Act S. 3548 CARES Act S. 3612 Small Business Expense Protection Act of 2020 S. 3774 Community Capital Investment Act S. 3841 To protect 2020 recovery rebates for individuals from assignment or garnishment S. 3962 Asset Growth Restriction Act of 2020 S. 4014 Prioritized Paycheck Protection Program Act S. 4049 National Defense Authorization Act for Fiscal Year 2021. Section 2885 creates parity between credit unions and banks located on bases. S. 4116 Reauthorize lending under the Payment Protection Program S. 4117 The Paycheck Protection Program Small Business Forgiveness Act S. 4159 E-SIGN Modernization Act S. 4171 Calculate PPP Forgiveness Act of 2020 S. 4255 Jobs and Neighborhood Enhancement Act S. 4614 Postal Banking Act S. 4914 Prioritized Paycheck Protection Program Act S. 4626 SAFE Data Act S. 4644 - A bill to amend the Federal Deposit Insurance Act to ensure that certain custodial deposits of well capitalized insured depository institutions are not considered to be funds obtained by or through deposit brokers Bank Capital and Accounting Relief Bank Secrecy Act/Anti-Money Laundering Rules/Legislation, including Beneficial Ownership Issue Bank Secrecy Act Filing Deadline Extension Request During COVID-19 Emergency Brokered Deposits Call Report Streamlining Cannabis Banking CARES Act, Economic Impact Payments CARES Act, Paycheck Protection Program Implementation Community Bank Access to Capital Community Bank Leverage Ratio Community Development Financial Institutions (CDFI) Fund Appropriations Community Reinvestment Act Modernization Credit Union Business Lending Powers Credit Union Emergency Mergers Credit Union Field of Membership Rules Credit Union Growth/Powers/Abusive Behavior Credit Union Acquisitions of Community Banks Credit Union Supplemental Capital Current Expected Credit Losses (CECL) Customer Due Diligence Rule Cybersecurity Data Security, Breaches and Privacy De novo bank formation Equal treatment between community banks and credit unions when assessing rent and related charges on military bases Exclusion of Paycheck Protection Program Loans from Calculation of Bank Asset Thresholds Extension of the Covered Business Method Faster Payments/Federal Reserve Real Time Gross Settlement System Fintech Regulatory Requirements Flood Insurance Reauthorization GAO Study of Credit Unions Industrial Loan Corporation Loophole Reforms/ Square (ILC) and Rakuten Deposit Insurance Applications Innovation Initiatives (FinTech/Banking Relationships) Loan Modifications: Regulatory Treatment Main Street Lending Program Minority Depository Institutions Issues Mortgage servicer liquidity facility NCUA amendment to definition of low-income credit union OCC Proposed Payments Charter Postal Banking Regulatory Burden Relief for Community Banks Regulatory and Tax Relief for Community Banks SBA 7(a) Loan Program Funding and Terms Troubled Debt Restructuring

HR 85 - remittance tax HR 3167 - Flood insurance reauthorization Financial transaction taxes Data privacy legislation Inter-affiliate swap initial margin Housing finance reform HR 5 - Equality Act HR 3151/ HR 2007 - IRS Income Verification System Treaty Document 113-4 - Spain Tax Protocol HR 2513 / S. 1978 - Beneficial Ownership H.R. 1595 - SAFE Banking Act S. 2563 - Illicit Cash Act Community Reinvestment Act (CRA) Reform S. 1028 - STATES Act S. 3111 - Brokered Deposit reform S. 3108 - Brokered Deposit reform HR 4501 - Brokered Deposit reform CECL Delay Legislation (S. 3502) CARES Act (HR 748) COVID-19-related legislation (ongoing) HR 6800 - HEROES Act HR 6886 - Paycheck Protection Flexibility Act S. 3782 - Small Business Lending Continuity Act S. 3962 - Brokered Deposit Reform S. 3833 - Paycheck Protection Program Extension Act S. 4117 / H.R. 7777 - PPP Forgiveness HR 7753 - Global Investment in American Jobs Act Covered Business Method Review Extension Legislation Police Reform Legislation Lobbying Disclosure Issues Related to FARA and LDA

Client expense: $160,000 · Firm income: Not reported

Government targets: Federal Reserve System, Small Business Administration (SBA), Treasury, Dept of, White House Office

Issues affecting financial institutions. Issues affecting brokered deposits. H.R. 4501, Consumer Transaction Account Protection Acts of 2019, all provisions. S. 3108, Consumer Transaction Account Protection Act of 2019, all provisions. S. 3962, Asset Growth Restriction Act of 2020, all provisions.

Client expense: Not reported · Firm income: $45,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Federal policies related to tax, payment systems, banking, and prepaid matters; S.3962, Asset Growth Restriction Act of 2020.

Client expense: Not reported · Firm income: $10,000

Government targets: Consumer Financial Protection Bureau (CFPB), SENATE

H.R. 266 - the Paycheck Protection Program and Health Care Enhancement Act; entire bill H.R. 1018 - Improving Corporate Governance Through Diversity Act of 2019; entire bill H.R. 1595 - Secure and Fair Enforcement Banking Act of 2019 or the SAFE Banking Act of 2019; provisions relating to provision of services to legitimate state-approved businesses H.R. 1876 - Senior Security Act of 2019; entire bill H.R. 2513 - Corporate Transparency Act of 2019; entire bill H.R. 6364 - Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act of 2020; entire bill H.R. 6371 - To amend the Securities Exchange Act of 1934 to require issuers to disclose risks related to global pandemics, and for other purposes; entire bill H.R. 6994 - Registration for Index-Linked Annuities Act; entire bill S. 603 - Financial Stability Oversight Council Improvement Act of 2019; entire bill S. 945 - Holding Foreign Companies Accountable Act; entire bill S. 3456 - Consumer Data Privacy and Security Act of 2020; entire bill S. 3795 - Registration for Index Linked Annuities Act of 2020; entire bill S. 3962 - Asset Growth Restriction Act; entire bill S. 4116 - A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans under section 7(a) of the Small Business Act, and for other purposes; entire bill Not Yet Introduced: Bipartisan Privacy bill sponsored by Reps. Cathy McMorris-Rodgers & Rep. Jan Schakowsky Not Yet Introduced: Diverse Investment Advisors Act Not Yet Introduced: Consumer Data Privacy Act sponsored by Senator Roger Wicker; provisions including those relating to data collection, privacy and protection of data, algorithms, definitions, control, enforcement and preemption

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

S 2593, End Government Shutdowns Act, issues related to Bank Secrecy Act/Anti-Money Laundering reform; HR 2514, Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019, issues related to Bank Secrecy Act/Anti-Money Laundering reform; HR 2513, Corporate Transparency Act of 2019, issues related to Bank Secrecy Act/Anti-Money Laundering reform; S 3962, Asset Growth Restriction Act of 2020, issues related to brokered deposits; S 3111, Brokered Deposit Affiliate-Subsidiary Modernization Act of 2019, issues related to brokered deposits; HR 7010, Paycheck Protection Program Flexibility Act of 2020, issues related to paycheck protection program and liability protections in Phase 3-4 package; HR 6800, Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act, issues related to HEROES Act and paycheck protection program; HR 748, Coronavirus Aid, Relief, and Economic Security (CARES) Act, issues related to privacy; S 3964, Cultivating Opportunity and Response to the Pandemic through Service (CORPS) Act, issues related to privacy; General privacy issues related to COVID contact tracing; General issues related to data security; General issues related to interchange; General issues related to privacy; General issues related to cybersecurity.

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

Implementation of Public Law 116-136 (Coronavirus Aid, Relief, and Economic Security Act--CARES Act); the Payroll Protection Program and clarity around loan applications, loan forgiveness, and other terms of the loan program Implementation of the Main Street Lending Program; monitored program terms S.3962 Asset Growth Restriction Act of 2020 Paycheck Protection Small Businesses Forgiveness Act

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

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

HR 85 - remittance tax HR 3167 - Flood insurance reauthorization Financial transaction taxes Data privacy legislation Inter-affiliate swap initial margin Housing finance reform HR 5 - Equality Act HR 3151/ HR 2007 - IRS Income Verification System Treaty Document 113-4 - Spain Tax Protocol HR 2513 / S. 1978 - Beneficial Ownership H.R. 1595 - SAFE Banking Act S. 2563 - Illicit Cash Act Community Reinvestment Act (CRA) Reform S. 1028 - STATES Act S. 3111 - Brokered Deposit reform S. 3108 - Brokered Deposit reform HR 4501 - Brokered Deposit reform CECL Delay Legislation (S. 3502) CARES Act (HR 748) COVID-19-related legislation (ongoing) HR 6800 - HEROES Act HR 6886 - Paycheck Protection Flexibility Act S. 3782 - Small Business Lending Continuity Act S. 3962 - Brokered Deposit Reform S. 3833 - Paycheck Protection Program Extension Act Issues: Police Reform, Main Street Lending Program (MSLP) S. 4117 - PPP Forgiveness

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

Government targets: Federal Reserve System, Small Business Administration (SBA), Treasury, Dept of, White House Office

H.R. 388 Financial Reporting Threshold Modernization H.R. 442 Financial Protection for Our Military Families Act H.R. 748 CARES Act H.R. 1038 Treasury Dept. to take greater role in Anti-Money Laundering/CFT policy and examinations H.R. 1039 Streamline Currency Transaction Reports and Suspicious Activity Reports H.R. 1491 FINTECH Act of 2019 H.R. 1595 SAFE Banking Act H.R. 2513 Reforms collection of beneficial ownership information for corporations and LLCs H.R. 2514 Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act: Makes amendments to Bank Secrecy Act H.R. 2650 Payment Choice Act of 2019 H.R. 3167 National Flood Insurance Program Reauthorization Act H.R. 3182 Requires agency study of Current Expected Credit Loss standard and delays effective date of standard-CECL Consumer Impact and Study Act of 2019 H.R. 3642 Improving Credit Reporting for All Consumers Act H.R. 3951 Payments Modernization Act of 2019 H.R. 4328 Protecting Innocent Consumers Affected by a Shutdown Act H.R. 5050 Veterans and Consumers Fair Credit Act H.R. 5315 Expanding Opportunity in Minority Depository Institutions Act H.R. 5322 Ensuring Diversity in Community Banking Act of 2019 H.R. 5332 Protecting Your Credit Score Act of 2019 H.R. 6116 Consumer Financial Protection Commission Act H.R. 6249 Coronavirus Accounting Relief Act H.R. 6364 SECURE Notarization Act H. R. 6385 To provide temporary relief from troubled debt restructuring disclosures, to delay the implementation of certain accounting standards for depository Institutions substantially affected by COVID-19, and for other purposes. H.R. 6395 National Defense Authorization Act for Fiscal Year 2021 H.R. 6776 JOBS Credit Act of 2020 H.R. 6782 TRUTH Act H.R. 6800 HEROES Act H.R. 7010 Payment Protection Program Flexibility Act of 2020 H.R. 7413 Calculate PPP Forgiveness Act H.J. Res 90 Providing for Congressional disapproval of the OCC rule relating to Community Reinvestment Act Regulation S. 656 SAFE Lending Act of 2019 S. 1200 SAFE Banking Act S. 1233 Community Bank Access to Capital Act S. 1564 Requires agency study of Current Expected Credit Loss standard and delays effective date of standard S. 1790 Sec. 2821: Equal treatment between community banks and credit unions when assessing rent and related charges. S.2563 Illicit Cash Act S.2839 Eliminating Corporate Shadow Banking Act of 2019 S. 3502 Community Bank Regulatory Relief Act S. 3533 SECURE Notarization Act S. 3548 CARES Act S. 3612 Small Business Expense Protection Act of 2020 S. 3774 Community Capital Investment Act S. 3841 To protect 2020 recovery rebates for individuals from assignment or garnishment S. 3918 Paycheck Protection for Producers Act. Modify PPP terms for farmers and ranchers S. 3962 Asset Growth Restriction Act of 2020 S. 3990 Financial Product Safety Commission Act of 2020 S. 4014 Prioritized Paycheck Protection Program Act S. 4049 National Defense Authorization Act for Fiscal Year 2021. Section 2885 creates parity between credit unions and banks located on bases. S. 4116 Reauthorize lending under the Payment Protection Program S. 4117 The Paycheck Protection Program Small Business Forgiveness Act S. 4159 E-SIGN Modernization Act S. 4171 Calculate PPP Forgiveness Act of 2020 S. 4914 Prioritized Paycheck Protection Program Act Bank Capital and Accounting Relief Bank Qualified Municipal Bonds Bank Secrecy Act/Anti-Money Laundering Rules/Legislation, including Beneficial Ownership Issue Bank Secrecy Act Filing Deadline Extension Request During COVID-19 Emergency Call Report Streamlining Cannabis Banking CARES Act, Economic Impact Payments CARES Act, Paycheck Protection Program Implementation Community Bank Access to Capital Community Bank Leverage Ratio Community Development Financial Institutions (CDFI) Fund Appropriations Community Reinvestment Act Modernization Credit Union Business Lending Powers Credit Union Emergency Mergers Credit Union Field of Membership Rules Credit Union Growth/Powers/Abusive Behavior Credit Union Acquisitions of Community Banks Credit Union Supplemental Capital Current Expected Credit Losses (CECL) Customer Due Diligence Rule Customer-permissioned Data Access Cybersecurity Data Security, Breaches and Privacy Deposit Insurance Coverage Levels Direct Deposit Economic Growth, Regulatory Relief and Consumer Protection Act Implementation Faster Payments/Federal Reserve Real Time Gross Settlement System Fintech Regulatory Requirements Flood Insurance Reauthorization Home Mortgage Disclosure Act (HMDA) Regulations Housing Finance Reform Industrial Loan Corporation Loophole Reforms/ Square (ILC) and Rakuten Deposit Insurance Applications Innovation Initiatives (FinTech/Banking Relationships) Loan Modifications: Regulatory Treatment Main Street Lending Program Minority Depository Institutions Issues Mortgage servicer liquidity facility NCUA amendment to definition of low-income credit union PACE Loans Private Flood Insurance Qualified Mortgages - Ability to Repay Rules Regulation CC--Availability of Funds and Collection of Checks Regulatory Burden Relief for Community Banks Regulatory and Tax Relief for Community Banks Remittance Transfers Rulemaking Delay Request During COVID-19 Emergency SBA 7(a) Loan Program Funding and Terms Telephone Consumer Protection Act Waiver Petition Transaction Account Deposit Insurance Guarantee Program Troubled Debt Restructuring

Brokered Deposits H.R. 741, TAILOR Act H.R. 189, Financial Institution Customer Protection Act of 2019 H.R. 1595, the Secure and Fair Enforcement (SAFE) Banking Act of 2019 H.R. 3619, Appraisal Fee Transparency Act of 2019 H.R. 5194 / S. 2903 /, Climate Change Financial Risk Act of 2019 H.R. 5315, the Expanding Opportunities for Minority Depository Institutions (MDIs) Act H.R. 5322, the Ensuring Diversity in Community Banking Act of 2019 S. 1200, Secure and Fair Enforcement Banking (SAFE) Act of 2019 S. 1233, Community Bank Access to Capital Sec. 2821 of S. 1790, National Defense Authorization Act of 2020 S. 4049, National Defense Authorization Act for Fiscal Year 2021 S. 2839, Eliminating Corporate Shadow Banking Act of 2019 H.R. 748/ S.3548, CARES Act S___, Immediate Measures to Protect Against COVID-19 Threats (IMPACT) for Small Business Act of 2020 S. 3502, The Community Bank Regulatory Relief Act S. 3962, Asset Growth Restriction Act of 2020 S. 3841, A bill to protect 2020 recovery rebates for individuals from assignment or garnishment, and for other purposes. H.R. 6800, HEROES Act H. J. Res. 90, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to Community Reinvestment Act Regulations Central Bank Digital Currency

Client expense: $2,730,000 · Firm income: Not reported

Federal policies related to tax, payment systems, banking, and prepaid matters; S.3962, Asset Growth Restriction Act of 2020.

Client expense: Not reported · Firm income: Not reported