American Opportunity Accounts Act

Build Back Better Act (Budget Reconciliation): Automatic Retirement Plan inclusion that would mandate retirement plans in the workplace for employers with 5 or more employees. American Rescue Plan of 2021: Budget reconciliation legislation that included a pay-for that impacts retirement savers. Section 9709 would have implemented a cost-of-living adjustment freeze for the year 2030 and beyond. S. 1870, the Enhancing Emergency and Retirement Savings Act of 2021: The legislation would provide a penalty-free emergency distribution option from employer-sponsored retirement accounts and IRAs. Portable Retirement and Investment Account Act (PRIA): Creates retirement accounts at birth to help establish lifelong savings/retirement accounts. S. 222, The American Opportunity Accounts Act: Establishes tax-exempt American Opportunity Accounts to provide children at birth with a $1,000 savings account with annual contributions up to $2,000 depending on family income. H.R. 2954, Securing a Strong Retirement Act (SECURE 2.0) / Retirement Security and Savings Act: Comprehensive retirement savings legislation. S. 1272, The SIMPLE Plan Modernization Act: The bill would raise the contribution limit for SIMPLE plans from $13,500 to $16,500 with a corresponding increase in the catch-up limit from $3,000 to $4,750. S. 1770, The Retirement Security & Savings Act: Comprehensive retirement savings legislation. S. 1703, The Improving Access to Retirement Savings Act of 2021: The bill would expand Open Multiple Employer Plans to include 403(b) accounts, create a safe harbor for correcting employee deferrals and make clarifications for small businesses who wish to utilize a credit to offer a retirement plan to their employees. S. 1443, The Retirement Parity for Student Loans Act: Allows employers to make matching contributions to a 401(k) retirement plan while their employees make student loan repayments. S. 975 / H.R. 2005, the Womens Retirement Security Act of 2021: Addresses the retirement gap and bolsters womens financial security through amending ERISA and increasing financial literacy. S. 2452, the Encouraging Americans to Save Act: Reforms the savers credit, makes the credit refundable, establishes an R-bond program, and amends the deadline to fund an IRA with a tax refund, among other provisions. Group Insurance Products. The Continuing Paycheck Protection Program includes ACLIs suggested language to clarify that the loan money can be used and will be forgiven for other group insurance products including: life, disability, vision, and dental. The amendment applies to loans already made. Extension of Paid Leave Credits. Extension of credits for paid sick and family leave which extended the provisions of FFCRA until March 31, 2021 and replaced the mandate to provide paid sick leave related to the pandemic with a payroll tax subsidy to employers who provide the leave. H.R. 804 / S.248- FAMILY Act. Issue: paid family and medical leave proposal would offer paid leave benefits via a payroll tax for birth or adoption of a child or caring for a sick family member. H.R.2163 - To amend the Internal Revenue Code of 1986 to allow for tax-advantaged distributions from health savings accounts during family or medical leave, and for other purposes. Issue: paid family and medical leave H.R 1065 / S. 1486 - Pregnant Workers Fairness Act. Issue: paid family and medical leave. S.920 - New Parents Act of 2019. Issue: paid family and medical leave Discussion draft - CRADLE Act. Issue: paid family and medical leave - allows for a deferment of retirement benefits for paid leave benefits. Proposed FY 2020 Budget proposal on paid family and medical leave. Issue: paid family and medical leave H.R 1065 / S. 1486 - Pregnant Workers Fairness Act. Issue: paid family and medical leave. Concurrent Resolution on the Budget, FY2022, S.Con.Res.14. The budget resolution calls for the $3.5 trillion in long-term investments to be fully offset by a combination of new tax revenues, health care savings, and long-term economic growth. In addition, the agreement would prohibit new taxes on families making less than $400,000 per year, and on small businesses and family farms. Issue: Medicare/Dental (Expanding Medicare to include dental, vision, hearing benefits and lowering the eligibility age). H.R. 1277 / S. 374- Improving Corporate Governance Through Diversity Act. Issue: diversity and inclusion. No bill number - Closing the Racial Wealth Gap Act. Issue: diversity and inclusion. No bill number - Ensuring Diverse Leadership Act. Issue: diversity and inclusion. H.R. 2543 / S.1327 - Federal Reserve Racial and Economic Equity Act. Issue: diversity and inclusion.

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

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE

Discussions related to SECURE 2.0 - next iteration of comprehensive retirement policy legislation. Department of Labor Fiduciary Rule, SEC Best Interest Standard. S. 1770 - The Retirement Security & Savings Act: Comprehensive retirement savings legislation. H.R. 2954, Securing a Strong Retirement Act (SECURE 2.0) / Retirement Security and Savings Act: Comprehensive retirement savings legislation. H.R. 1865 Further Consolidated Appropriations Act. Coronavirus Aid, Relief, and Economic Security Act (CARES) Act Provisions on retirement including: Temporary Waiver of RMD, increase in loan amount from Employer Sponsored Plans, IRS Penalty tax free distribution from eligible retirement plans SECURE 2.0. (no bill number) Proposal would be next iteration of retirement security policy. S. 1431, Retirement Security and Savings Act of 2019. Retirement Security. S. 5064, Improving Access to Retirement Savings Act, includes provisions that were in SSRA, but not included in S. 1431. H.R. 6800, The HEROES Act. Large, comprehensive COVID-19 relief bill. Includes RMD relief and single employer pension plan relief. American Rescue Plan of 2021: Budget reconciliation legislation that included a pay-for that impacts retirement savers. Section 9709 would have implement a cost-of-living adjustment freeze for the year 2030 and beyond. Short-terms Savings: Proposal that would expand hardship distribution rules in order to incentivize and increase short-term savings. Portable Retirement and Investment Account Act (PRIA): Creates retirement accounts at birth to help establish life long savings/retirement accounts. S. 222, The American Opportunity Accounts Act: Establishes tax-exempt American Opportunity Accounts to provide children at birth with a $1,000 savings account with annual contributions up to $2,000 depending on family income. S. 1870, the Enhancing Emergency and Retirement Savings Act of 2021: The legislation would provide a penalty-free emergency distribution option from employer-sponsored retirement accounts and IRAs. Build Back Better Act (Budget Reconciliation): Automatic Retirement Plan inclusion that would mandate retirement plans in the workplace for employers with 5 or more employees. Proposed FY 2020 Budget proposal on paid family and medical leave. Issue: paid family and medical leave S. 975 / H.R. 2005, the Womens Retirement Security Act of 2021: Addresses the retirement gap and bolsters womens financial security through amending ERISA and increasing financial literacy. S. 2452, the Encouraging Americans to Save Act: Reforms the savers credit, makes the credit refundable, establishes an R-bond program, and amends the deadline to fund an IRA with a tax refund, among other provisions. Discussions related to the following bills from the previous Congress: H.R. 3857 - Protecting Advice for Small Savers Act of 2017 addressing the DOL Fiduciary rule and establishing a best interest standard for financial advisors. H.R. 4523 - The Automatic Retirement Plan Act Issue: Retirement Security. H.R. 8990, the Lifetime Income for Employees Act. Expands QDIA regulations. HR 5891 RISE Act: Review of Pension Risk Transfer Interpretive Bulletin which requires DOL to review the current interpretive bulletin governing pension risk transfers and report to Congress on its findings Potential legislation regarding pension risk transfer

Assist client with issues pertaining to retirement savings and rules and health savings, education savings; H.R.5832 and S 1730 Retirement Savings Lost and Found Act of 2021; H.R.25 Fair Tax Act of 2021; S.380 Health Savings Act of 2021; S.125 Protecting Life in Health Savings Accounts Act; HR 53 Freedom for Families Act;. S222, H.R.835 American Opportunity Accounts Act; S.1959 Keeping Your Retirement Act of 2021;S.1870 Enhancing Emergency and Retirement Savings Act of 2021;H.R.2917 Retirement Parity for Student Loans Act of 2021; H.R.1166 & S275 Retirement Freedom Act;S.1889 Compassionate Retirement Act of 2021;H.R.2942 To amend the Internal Revenue Code of 1986 to increase the catch-up contribution limit for retirement plans H.R.2954 Securing a Strong Retirement Act of 2021 of participants age 62 through 64; H.R.984 Retirement Inflation Protection Act of 2021; S.1770 Retirement Security and Savings Act of 2021; HR 409 Emergency Pension Plan Relief Act of 2021; S.2603 Commission on Retirement Security Act of 2021; H.R.4268 Federal Retirement Fairness Act.

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Discussions related to SECURE 2.0 - next iteration of comprehensive retirement policy legislation. Department of Labor Fiduciary Rule, SEC Best Interest Standard. S. 1770 - The Retirement Security & Savings Act: Comprehensive retirement savings legislation. H.R. 2954, Securing a Strong Retirement Act (SECURE 2.0) / Retirement Security and Savings Act: Comprehensive retirement savings legislation. H.R. 1865 Further Consolidated Appropriations Act. Coronavirus Aid, Relief, and Economic Security Act (CARES) Act Provisions on retirement including: Temporary Waiver of RMD, increase in loan amount from Employer Sponsored Plans, IRS Penalty tax free distribution from eligible retirement plans SECURE 2.0. (no bill number) Proposal would be next iteration of retirement security policy. S. 1431, Retirement Security and Savings Act of 2019. Retirement Security. S. 5064, Improving Access to Retirement Savings Act, includes provisions that were in SSRA, but not included in S. 1431. H.R. 6800, The HEROES Act. Large, comprehensive COVID-19 relief bill. Includes RMD relief and single employer pension plan relief. American Rescue Plan of 2021: Budget reconciliation legislation that included a pay-for that impacts retirement savers. Section 9709 would have implement a cost-of-living adjustment freeze for the year 2030 and beyond. Short-terms Savings: Proposal that would expand hardship distribution rules in order to incentivize and increase short-term savings. Portable Retirement and Investment Account Act (PRIA): Creates retirement accounts at birth to help establish life long savings/retirement accounts. S. 222, The American Opportunity Accounts Act: Establishes tax-exempt American Opportunity Accounts to provide children at birth with a $1,000 savings account with annual contributions up to $2,000 depending on family income. S. 1870, the Enhancing Emergency and Retirement Savings Act of 2021: The legislation would provide a penalty-free emergency distribution option from employer-sponsored retirement accounts and IRAs. Build Back Better Act (Budget Reconciliation): Automatic Retirement Plan inclusion that would mandate retirement plans in the workplace for employers with 5 or more employees. Proposed FY 2020 Budget proposal on paid family and medical leave. Issue: paid family and medical leave S. 975 / H.R. 2005, the Womens Retirement Security Act of 2021: Addresses the retirement gap and bolsters womens financial security through amending ERISA and increasing financial literacy. S. 2452, the Encouraging Americans to Save Act: Reforms the savers credit, makes the credit refundable, establishes an R-bond program, and amends the deadline to fund an IRA with a tax refund, among other provisions. Discussions related to the following bills from the previous Congress: H.R. 3857 - Protecting Advice for Small Savers Act of 2017 addressing the DOL Fiduciary rule and establishing a best interest standard for financial advisors. H.R. 4523 - The Automatic Retirement Plan Act Issue: Retirement Security. H.R. 8990, the Lifetime Income for Employees Act. Expands QDIA regulations.

Build Back Better Act (Budget Reconciliation): Automatic Retirement Plan inclusion that would mandate retirement plans in the workplace for employers with 5 or more employees. American Rescue Plan of 2021: Budget reconciliation legislation that included a pay-for that impacts retirement savers. Section 9709 would have implemented a cost-of-living adjustment freeze for the year 2030 and beyond. S. 1870, the Enhancing Emergency and Retirement Savings Act of 2021: The legislation would provide a penalty-free emergency distribution option from employer-sponsored retirement accounts and IRAs. Portable Retirement and Investment Account Act (PRIA): Creates retirement accounts at birth to help establish lifelong savings/retirement accounts. S. 222, The American Opportunity Accounts Act: Establishes tax-exempt American Opportunity Accounts to provide children at birth with a $1,000 savings account with annual contributions up to $2,000 depending on family income. H.R. 2954, Securing a Strong Retirement Act (SECURE 2.0) / Retirement Security and Savings Act: Comprehensive retirement savings legislation. S. 1272, The SIMPLE Plan Modernization Act: The bill would raise the contribution limit for SIMPLE plans from $13,500 to $16,500 with a corresponding increase in the catch-up limit from $3,000 to $4,750. S. 1770, The Retirement Security & Savings Act: Comprehensive retirement savings legislation. S. 1703, The Improving Access to Retirement Savings Act of 2021: The bill would expand Open Multiple Employer Plans to include 403(b) accounts, create a safe harbor for correcting employee deferrals and make clarifications for small businesses who wish to utilize a credit to offer a retirement plan to their employees. S. 1443, The Retirement Parity for Student Loans Act: Allows employers to make matching contributions to a 401(k) retirement plan while their employees make student loan repayments. S. 975 / H.R. 2005, the Womens Retirement Security Act of 2021: Addresses the retirement gap and bolsters womens financial security through amending ERISA and increasing financial literacy. S. 2452, the Encouraging Americans to Save Act: Reforms the savers credit, makes the credit refundable, establishes an R-bond program, and amends the deadline to fund an IRA with a tax refund, among other provisions. Group Insurance Products. The Continuing Paycheck Protection Program includes ACLIs suggested language to clarify that the loan money can be used and will be forgiven for other group insurance products including: life, disability, vision, and dental. The amendment applies to loans already made. Extension of Paid Leave Credits. Extension of credits for paid sick and family leave which extended the provisions of FFCRA until March 31, 2021 and replaced the mandate to provide paid sick leave related to the pandemic with a payroll tax subsidy to employers who provide the leave. H.R. 804 / S.248- FAMILY Act. Issue: paid family and medical leave proposal would offer paid leave benefits via a payroll tax for birth or adoption of a child or caring for a sick family member. H.R.2163 - To amend the Internal Revenue Code of 1986 to allow for tax-advantaged distributions from health savings accounts during family or medical leave, and for other purposes. Issue: paid family and medical leave H.R 1065 / S. 1486 - Pregnant Workers Fairness Act. Issue: paid family and medical leave. S.920 - New Parents Act of 2019. Issue: paid family and medical leave Discussion draft - CRADLE Act. Issue: paid family and medical leave - allows for a deferment of retirement benefits for paid leave benefits. Proposed FY 2020 Budget proposal on paid family and medical leave. Issue: paid family and medical leave H.R 1065 / S. 1486 - Pregnant Workers Fairness Act. Issue: paid family and medical leave. Concurrent Resolution on the Budget, FY2022, S.Con.Res.14. The budget resolution calls for the $3.5 trillion in long-term investments to be fully offset by a combination of new tax revenues, health care savings, and long-term economic growth. In addition, the agreement would prohibit new taxes on families making less than $400,000 per year, and on small businesses and family farms. Issue: Medicare/Dental (Expanding Medicare to include dental, vision, hearing benefits and lowering the eligibility age). H.R. 1277 / S. 374- Improving Corporate Governance Through Diversity Act. Issue: diversity and inclusion. No bill number - Closing the Racial Wealth Gap Act. Issue: diversity and inclusion. No bill number - Ensuring Diverse Leadership Act. Issue: diversity and inclusion. H.R. 2543 / S.1327 - Federal Reserve Racial and Economic Equity Act. Issue: diversity and inclusion.

Assist client with issues pertaining to retirement savings and rules and health savings, education savings; H.R.25 FairTax Act of 2021; S.380 Health Savings Act of 2021; S.125 Protecting Life in Health Savings Accounts Act; HR 53 Freedom for Families Act;. S222, H.R.835 American Opportunity Accounts Act; S.1959 Keeping Your Retirement Act of 2021;S.1870 Enhancing Emergency and Retirement Savings Act of 2021;H.R.2917 Retirement Parity for Student Loans Act of 2021; H.R.1166 & S275 Retirement Freedom Act;S.1889 Compassionate Retirement Act of 2021;H.R.2942 To amend the Internal Revenue Code of 1986 to increase the catch-up contribution limit for retirement plans H.R.2954 Securing a Strong Retirement Act of 2021 of participants age 62 through 64; H.R.984 Retirement Inflation Protection Act of 2021; S.1770 Retirement Security and Savings Act of 2021; HR 409 Emergency Pension Plan Relief Act of 2021; S.2603 Commission on Retirement Security Act of 2021; H.R.4268 Federal Retirement Fairness Act.

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

1.Build Back Better Act (Budget Reconciliation): Automatic Retirement Plan inclusion that would mandate retirement plans in the workplace for employers with 5 or more employees. 2.American Rescue Plan of 2021: Budget reconciliation legislation that included a pay-for that impacts retirement savers. Section 9709 would have implemented a cost-of-living adjustment freeze for the year 2030 and beyond. 3.S. 1870, the Enhancing Emergency and Retirement Savings Act of 2021: The legislation would provide a penalty-free emergency distribution option from employer-sponsored retirement accounts and IRAs. 4.Portable Retirement and Investment Account Act (PRIA): Creates retirement accounts at birth to help establish lifelong savings/retirement accounts. 5.S. 222, The American Opportunity Accounts Act: Establishes tax-exempt American Opportunity Accounts to provide children at birth with a $1,000 savings account with annual contributions up to $2,000 depending on family income. 6.H.R. 2954, Securing a Strong Retirement Act (SECURE 2.0) / Retirement Security and Savings Act: Comprehensive retirement savings legislation. 7.S. 1272, The SIMPLE Plan Modernization Act: The bill would raise the contribution limit for SIMPLE plans from $13,500 to $16,500 with a corresponding increase in the catch-up limit from $3,000 to $4,750. 8.S. 1770, The Retirement Security & Savings Act: Comprehensive retirement savings legislation. 9.S. 1703, The Improving Access to Retirement Savings Act of 2021: The bill would expand Open Multiple Employer Plans to include 403(b) accounts, create a safe harbor for correcting employee deferrals and make clarifications for small businesses who wish to utilize a credit to offer a retirement plan to their employees. 10.S. 1443, The Retirement Parity for Student Loans Act: Allows employers to make matching contributions to a 401(k) retirement plan while their employees make student loan repayments. 11. S. 975 / H.R. 2005, the Womens Retirement Security Act of 2021: Addresses the retirement gap and bolsters womens financial security through amending ERISA and increasing financial literacy. S. 2452, the Encouraging Americans to Save Act: Reforms the savers credit, makes the credit refundable, establishes an R-bond program, and amends the deadline to fund an IRA with a tax refund, among other provision H.R. 133, Both provisions are in the larger bill. Group Insurance Products. The Continuing Paycheck Protection Program includes ACLIs suggested language to clarify that the loan money can be used and will be forgiven for other group insurance products including: life, disability, vision, and dental. The amendment applies to loans already made. Extension of Paid Leave Credits. Extension of credits for paid sick and family leave which extended the provisions of FFCRA until March 31, 2021 and replaced the mandate to provide paid sick leave related to the pandemic with a payroll tax subsidy to employers who provide the leave. H.R. 748, The CARES Act. Large, comprehensive COVID-19 relief bill. Issue Paycheck protection program and paid family medical leave. H.R. 6800, The HEROES Act. Large, comprehensive COVID-19 relief bill. Issue Paycheck protection program and paid family medical leave. H.R.1185 - FAMILY Act. Issue: paid family and medical leave proposal would offer paid leave benefits via a payroll tax for birth or adoption of a child or caring for a sick family member. H.R.1940 - New Parents Act of 2019. Issue: paid family and medical leave H.R.2163 - To amend the Internal Revenue Code of 1986 to allow for tax-advantaged distributions from health savings accounts during family or medical leave, and for other purposes. Issue: paid family and medical leave S.463 - FAMILY Act. Issue: paid family and medical leave- paid family and medical leave proposal would offer paid leave benefits via a payroll tax for birth or adoption of a child or caring for a sick family member S.920 - New Parents Act of 2019. Issue: paid family and medical leave Discussion draft - CRADLE Act. Issue: paid family and medical leave - allows for a deferment of retirement benefits for paid leave benefits. Proposed FY 2020 Budget proposal on paid family and medical leave. Issue: paid family and medical leave H.R. 2694 - Pregnant Workers Fairness Act. Issue: paid family and medical leave. Concurrent Resolution on the Budget, FY2022, S.Con.Res.14. The budget resolution calls for the $3.5 trillion in long-term investments to be fully offset by a combination of new tax revenues, health care savings, and long-term economic growth. In addition, the agreement would prohibit new taxes on families making less than $400,000 per year, and on small businesses and family farms. Issue: Medicare/Dental (Expanding Medicare to include dental, vision, hearing benefits and lowering the eligibility age). Diversity and Inclusion H.R. 5084 - Improving Corporate Governance Through Diversity Act. Issue: diversity and inclusion. H.R. 5360 - Closing the Racial Wealth Gap Act. Issue: diversity and inclusion. H.R. 281 - Ensuring Diverse Leadership Act. Issue: diversity and inclusion. H.R. 7946 and S. 4464 - Federal Reserve Racial and Economic Equity Act. Issue: diversity and inclusion.

Discussions related to SECURE 2.0 - next iteration of comprehensive retirement policy legislation. Department of Labor Fiduciary Rule, SEC Best Interest Standard. S. 1770 - The Retirement Security & Savings Act: Comprehensive retirement savings legislation. H.R. 2954, Securing a Strong Retirement Act (SECURE 2.0) / Retirement Security and Savings Act: Comprehensive retirement savings legislation. H.R. 1865 Further Consolidated Appropriations Act. Coronavirus Aid, Relief, and Economic Security Act (CARES) Act Provisions on retirement including: Temporary Waiver of RMD, increase in loan amount from Employer Sponsored Plans, IRS Penalty tax free distribution from eligible retirement plans SECURE 2.0. (no bill number) Proposal would be next iteration of retirement security policy. S. 1431, Retirement Security and Savings Act of 2019. Retirement Security. Discussions related to the following bills from the previous Congress: H.R. 3857 - Protecting Advice for Small Savers Act of 2017 addressing the DOL Fiduciary rule and establishing a best interest standard for financial advisors. H.R. 4523 - The Automatic Retirement Plan Act Issue: Retirement Security. H.R. 8990, the Lifetime Income for Employees Act. Expands QDIA regulations. S. 5064, Improving Access to Retirement Savings Act, includes provisions that were in SSRA, but not included in S. 1431. H.R. 6800, The HEROES Act. Large, comprehensive COVID-19 relief bill. Includes RMD relief and single employer pension plan relief. American Rescue Plan of 2021: Budget reconciliation legislation that included a pay-for that impacts retirement savers. Section 9709 would have implement a cost-of-living adjustment freeze for the year 2030 and beyond. Short-terms Savings: Proposal that would expand hardship distribution rules in order to incentivize and increase short-term savings. Portable Retirement and Investment Account Act (PRIA): Creates retirement accounts at birth to help establish life long savings/retirement accounts. S. 222, The American Opportunity Accounts Act: Establishes tax-exempt American Opportunity Accounts to provide children at birth with a $1,000 savings account with annual contributions up to $2,000 depending on family income. S. 1870, the Enhancing Emergency and Retirement Savings Act of 2021: The legislation would provide a penalty-free emergency distribution option from employer-sponsored retirement accounts and IRAs.

Legislation: S.103-Local Zoning Decisions Protection Act of 2017-Issues Lobbied: Racial justice, equitable access to housing. S.597-End Racial and Religious Profiling Act of 2021 (ERRPA)-Issues Lobbied: Racial justice, racial profiling. S.860-Juvenile Justice and Delinquency Prevention Reauthorization Act of 2017-Issues Lobbied: Juvenile justice, racial justice. S.3158- Departments of Labor, Health and Human Services, and Education, and Related Agencies Appropriations Act of 2019-Issues Lobbied: Racial justice, education, desegregation. S.2754-Handle with Care Act of 2018-Issues Lobbied: Racial justice, juvenile justice. S.788-Equality Act-Issues Lobbied: LGBTQ rights, womens rights, racial justice. S.488-Justice for Victims of Lynching Act of 2019-Issues Lobbied: Racial justice. S.1083-Commission to Study and Develop Reparation Proposals for African-Americans Act-Issues Lobbied: Racial justice, reparations. S.227-Savannas Act-Issues Lobbied: Racial justice. S.1834-Deceptive Practices and Voter Intimidation Prevention Act of 2019-Issues Lobbied: Racial justice, voting rights. S.481-Democracy Restoration Act of 2021-Issues Lobbied: Racial justice, voting rights. S.958-SAVE VOTERS Act-Issues Lobbied: Racial justice, voting rights. S.3206-Accessible Voting Act of 2020-Issues Lobbied: Voting rights, disability rights. S.2261-Secure Elections Act-Issues Lobbied: Racial justice, voting rights. S.4360- Counseling Not Criminalization in Schools Act-Issues lobbied: Racial justice. S.3912-Justice in Policing Act of 2020-Issues Lobbied: Police reform. S.656-Child Welfare Provider Inclusion Act of 2021-Issues Lobbied: LGBTQ rights. S.4263-John Lewis Voting Rights Advancement Act-Issues Lobbied: Voting rights. S.271-Families Belong Together Act-Issues Lobbied: Family separation relief. S.251-Protection of Women and Girls in Sports Act of 2021-Issues Lobbied: LGBTQ rights. S.51-Washington, D.C. Admission Act-Issues Lobbied: Voting rights, racial justice, National Guard. S.1-For the People Act of 2021-Issues Lobbied: Voting rights, First Amendment. S.264-Dream Act of 2021-Issues Lobbied: Immigration, citizenship for immigrant youth. S.954-Voter Empowerment Act of 2021-Issues Lobbied: Racial justice, voting rights. S.1267-2020 Census Deadline Extensions Act-Issues Lobbied: Census, voting rights. S.1823-Voters on the Move Registration Act of 2021-Issues Lobbied: Voting rights. S.1139-Selective Service Repeal Act of 2021-Issues Lobbied: Womens rights. S.1021-EACH Act of 2021-Issues Lobbied: Reproductive rights, abortion. S.1975-Womens Health Protection Act of 2021-Issues Lobbied: Reproductive rights, abortion. S.1486-Pregnant Workers Fairness Act-Issues Lobbied: Womens rights, pregnancy discrimination. S.1658-PUMP for Nursing Mothers Act-Issues Lobbied: Womens rights, pregnancy discrimination. S.2210-Better Care Better Jobs Act-Issues Lobbied: Disability rights, womens rights. S.2052-Facial Recognition and Biometric Technology Moratorium Act of 2021-Issues Lobbied: Privacy. S.1265-Fourth Amendment is Not For Sale Act-Issues Lobbied: Privacy, surveillance. S.2122-Cell Site Simulator Warrant Act of 2021-Issues Lobbied: Privacy. S.1896-Algorithmic Justice and Online Platform Transparency Act-Issues Lobbied: Privacy, civil rights, free speech. S.1358-Bipartisan Border Solutions Act of 2021-Issues Lobbied: U.S.-Mexico border policy, asylum processing. S.937-COVID-19 Hate Crimes Act-Issues Lobbied: Hate crimes, racial justice. S.1086-Jabara-Heyer NO HATE Act-Issues Lobbied: Hate crimes, racial justice. S.222-American Opportunity Accounts Act-Issues Lobbied: Economic mobility, economic justice. S.1014-First Step Implementation Act-Issues Lobbied: Sentencing reform. S.1013-Smarter Sentencing Act of 2021-Issues Lobbied: Sentencing reform. S.2134-Data Protection Act of 2021-Issues Lobbied: Privacy. S.601-Prohibiting Punishment of Acquitted Conduct Act of 2021-Issues Lobbied: Sentencing reform. S.312-COVID-19 Safer Detention Act of 2021-Issues Lobbied: Sentencing reform. H.R.482-Local Zoning Decisions Protection Act of 2017-Issues Lobbied: Racial justice, equitable access to housing. H.R.1498-End Racial Profiling Act of 2017-Issues Lobbied: Racial justice, racial profiling. H.R.1809-Juvenile Justice Reform Act of 2017-Issues Lobbied: Juvenile justice, racial justice. H.R.2133-Community Lending Enhancement and Regulatory Relief (CLEARR) Act of 2017-Issues Lobbied: Equitable access to housing, racial justice. H.R.1378-Do No Harm Act-Issues Lobbied: LGBTQ rights, reproductive rights, religious liberty. H.R.3354-Make America Secure and Prosperous Appropriations Act-Issues Lobbied: Racial justice, census, desegregation. H.R.4508-The Promoting Real Opportunity, Success, and Prosperity through Education Reform (PROSPER) Act-Issues Lobbied: Racial justice, higher education. H.R.5199-Education Savings Accounts for Military Families Act of 2018-Issues Lobbied: Racial justice, education. H.R.5242- School Resource Officer Assessment Act of 2018- Issues Lobbied: Racial justice, school-to-prison pipeline. H.R.6011-A bill to amend Title 18, United States Code, to authorize a court to reduce the term of imprisonment imposed on certain defendants convicted as an adult for an offense committed and completed before the defendant attained 18 years of age, and for other purposes-Issues Lobbied: Racial justice, juvenile justice. H.R.1076-Fair Chance Act-Issues Lobbied: Racial justice, equitable access to housing. H.R.5-Equality Act-Issues Lobbied: LGBTQ rights, womens rights, racial justice, civil rights. H.R.494-Tiffany Joslyn Juvenile Accountability Block Grant Reauthorization and Bullying Prevention and Intervention Act of 2019-Issues Lobbied: Juvenile justice. H.R.3157-Student Privacy Protection Act-Issues Lobbied: Juvenile justice, racial justice. H.R.1750-Child Welfare Provider Inclusion Act of 2021-Issues Lobbied: LGBTQ rights. H.R.3055-Commerce, Justice, Science, Agriculture, Rural Development, Food and Drug Administration, Interior, Environment, Military Construction, Veterans Affairs, Transportation, and Housing and Urban Development Appropriations Act, 2020-Issues Lobbied: Juvenile justice, racial justice. H.R.40-Commission to Study and Develop Reparation Proposals for African Americans Act-Issues Lobbied: Racial justice, reparations. H.R.2300-Eliminating Debtors Prison for Kids Act of 2019-Issues Lobbied: Racial justice. H.R.1065-Pregnant Workers Fairness Act-Issues Lobbied: Womens rights, pregnancy discrimination. H.R.4179-No Federal Funding for Confederate Symbols Act-Issues Lobbied: Racial justice. H.R.1440-Fairness for All Act-Issues Lobbied: LGBTQ rights. H.R.426-Protection of Women and Girls in Sports Act of 2021-Issues Lobbied: LGBTQ rights. H.R.1275-Voter Empowerment Act of 2019-Issues Lobbied: Racial justice, voting rights. H.R.645-Automatic Voter Registration Act-Issues Lobbied: Racial justice, voting rights. H.R.589-American Election Security Act-Issues Lobbied: Racial justice, voting rights. H.R.1122-Housing Choice Voucher Mobility Demonstration Act of 2019-Issues Lobbied: Racial justice, equitable access to housing. H.R.1-For the People Act of 2019-Issues Lobbied: Free speech, racial justice, voting rights, First Amendment, campaign finance. H.R.1217-Ensuring American Voters Act of 2019-Issues Lobbied: Racial justice, voting rights. H.R.1280-George Floyd Justice in Policing Act of 2021-Issues Lobbied: Policing reform. H.R.7755-Accessible Voting Act of 2020-Issues Lobbied: Voting rights, disability rights. H.R.7848-Counseling Not Criminalization in Schools Act-Issues lobbied: Racial justice. H.R.51-Washington, D.C. Admission Act-Issues Lobbied: Voting rights, racial justice, National Guard. H.R.4-Voting Rights Advancement Act of 2019-Issues Lobbied: Voting rights. H.R.5592-PUMP for Nursing Mothers Act-Issues Lobbied: Womens rights, pregnancy discrimination. H.R.883-Families Belong Together Act-Issues Lobbied: Family separation relief. H.Res.279-Acknowledging that the United States Supreme Courts decisions in the Insular Cases and the territorial incorporation doctrine are contrary to the text and history of the United States Constitution, rest of racial views and stereotypes from the era of Plessy v. Ferguson that have long been rejected, are contrary to our Nations most basic constitutional and democratic principles, and should be rejected as having no place in United States constitutional law-Issues Lobbied: Voting rights, racial justice. H.R.6-American Dream and Promise Act of 2021-Issues Lobbied: Immigration, citizenship for immigrant youth. H.R.1620-Violence Against Women Reauthorization Act of 2021-Issues Lobbied: Free speech. H.R.7302-Accessible, Affordable Internet for All Act-Issues Lobbied: Equitable broadband access. H.R.3884-MORE Act of 2020-Issues Lobbied: Marijuana decriminalization. H.R.2699-2020 Census Deadline Extensions Act-Issues Lobbied: Census, voting rights. H.R.2509-Selective Service Repeal Act-Issues Lobbied: Womens rights. H.R.2234-EACH Act of 2021-Issues Lobbied: Reproductive rights, abortion. H.R.3755-Womens Health Protection Act of 2021-Issues Lobbied: Reproductive rights, abortion. H.R.1884-Save Oak Flat Act-Issues Lobbied: Religious liberty. H.R.4350-National Defense Authorization Act for Fiscal Year 2022-Issues Lobbied: Domestic military powers, national security, encryption, end the 1033 Program, policing reform. H.R.2738-Fourth Amendment is Not For Sale Act-Issues Lobbied: Privacy, surveillance. H.R.2731-Endless Frontier Act-Issues Lobbied: Free speech. H.R.1374-Enhancing State Energy Security Planning and Emergency Preparedness Act of 2021-Issues Lobbied: Privacy. H.R.2203-Homeland Security Improvement Act-Issues Lobbied: CBP accountability, DHS oversight. H.R.3548-To authorize the issuance of visas and admission of certain aliens, and their derivatives, who were selected to apply for diversity immigrant visas but were unable to be issued such visas or be admitted to the United States as a result of certain Presidential Proclamations, and for other purposes-Issues Lobbied: Diversity visas. H.R.1843-COVID-19 Hate Crimes Act-Issues Lobbied: Hate crimes, racial justice. H.R.2383-Khalid Jabara and Heather Heyer National Opposition to Hate, Assault, and Threats to Equality Act of 2021-Issues Lobbied: Hate crimes, racial justice. H.R.4345-Financial Services and General Government Appropriations Act, 2022-Issues Lobbied: Reproductive rights, abortion. H.R.3867-Every Vote Counts Act-Issues Lobbied: Voting rights. H.R.1094-Weekend Voting Act-Issues Lobbied: Voting rights. H.R.2148-BE HEARD in the Workplace Act-Issues Lobbied: Womens rights. H.R.1621-Prohibiting Punishment of Acquitted Conduct Act of 2021-Issues Lobbied: Sentencing reform. H.R.3669-COVID-19 Safer Detention Act of 2021-Issues Lobbied: Sentencing reform. H.R.3137-Protect Equality and Civics Education (PEACE) Act-Issues Lobbied: Policing reform. Legislation with No Bill Number: Administrative legislative proposal-Making Affordable Housing Work Act of 2018-Issues Lobbied: Racial justice, fair housing, rent increases. Commerce, Justice, and Science Appropriations Act, 2022-Issued Lobbied: Voting rights, criminal justice. Labor and Health and Human Services Appropriations Act, 2022-Issues Lobbied: Reproductive rights, abortion. Federal Records Act-Issues Lobbied: Public records access. Presidential Records Act-Issues Lobbied: Public records access. Peoples Response Act-Issues Lobbied: Policing reform. Protecting Our Students in Schools Act-Issues Lobbied: Racial justice, school-to-prison pipeline. House bill version-HBCS Access Act-Issues Lobbied: Disability rights. Additional legislation not yet introduced - Immigration, ICE detention reforms, hunger strikes while in ICE custody, ICE interim enforcement priorities, ICE detention closures, postal financial services, postal banking, voting rights, youth voting, criminal justice, prison gerrymandering, reproductive rights, abortion, medicated abortion, regulation of mifepristone, domestic military powers, free speech, privacy, judicial privacy, digital identity, facial recognition restrictions, National Patient Identifier, surveillance reform, foreign surveillance, broadband infrastructure, Export Control Act reform, biometric technology, consumer privacy, marijuana decriminalization, sentencing reform, appropriations for fiscal years 2021 and 2022 spending, civil rights, civil liberties. Agencies: Agency-Education-Issues Lobbied: Racial justice, equal education, CRDC data collection, school-to-prison pipeline, Every Student Succeeds Act, student loans, civil rights investigations, Affirmative Action. Agency-HHS-Issues Lobbied: American Rescue Plan Act, disability rights. Agency-Homeland Security-Issues Lobbied: Executive Order on Creating a Comprehensive Regional Framework to Address the Causes of Migration, to Manage Migration Throughout North and Central America, and to Provide Safe and Orderly Processing of Asylum Seekers at the U.S. Border, asylum, asylum reform, U.S.-Mexico border policy reform, immigration, ICE, proposed executive action improving access to accurate federal IDs for trans, intersex, and non-binary people, end to Title 42, CBP accountability, CBP policing policies and practices, expanded use of phone and web-based app for migrant processing and screening. Agency-HUD-Issues Lobbied: Fair housing, the disparate impact rule, AFFH rule, regulatory reform, discriminatory lending, disaster relief, rent increases. Agency-Justice-Issues Lobbied: Proposed executive action improving access to accurate federal IDs for trans, intersex, and non-binary people, Equal Rights Amendment, womens rights, death penalty, death penalty moratorium, CARES Act confinement, racial profiling, juvenile justice, school-to-prison pipeline, John Lewis Voting Rights Advancement Act, voting. Agency-EOP-Issues Lobbied: White House Office-Executive Order on Creating a Comprehensive Regional Framework to Address the Causes of Migration, to Manage Migration Throughout North and Central America, and to Provide Safe and Orderly Processing of Asylum Seekers at the U.S. Border, asylum, asylum reform, U.S.-Mexico border policy reform, immigration, ICE, civil rights enforcement, reparations, Executive Order on Promoting Access to Voting, voting, John Lewis Voting Rights Advancement Act, Freedom of Information Act reforms, ICE 287(g) detainer, death penalty, death penalty moratorium, CARES Act confinement, categorical clemency, Emergency Broadband Benefit Program, equitable broadband access, National Defense Authorization Act for Fiscal Year 2022, national security, authorization for use of military force, oversight over counterterrorism policy and practices, torture, detention, drones, war authority; Domestic Policy Council-Proposed executive action improving access to accurate federal IDs for trans, intersex, and non-binary people; Office of Science and Technology - Patent eligibility reform, intellectual property, addressing bias in automated decision-making systems creation and use, civil rights, free speech, privacy. Agency-OMB-Issues Lobbied: Preschool suspensions, school-to-prison pipeline, data collection. Agency-Commerce-Issues Lobbied: Racial justice; Census Bureau - 2020 Census, discrimination. Agency-State-Issues Lobbied: Proposed executive action improving access to accurate federal IDs for trans, intersex, and non-binary people, racial justice, U.N. Special Rapporteur on Contemporary Forms of Racism. Agency-Labor-Issues Lobbied: Executive Order on Promoting Access to Voting. Agency-FCC-Issues Lobbied: Emergency Broadband Benefit Program, equitable broadband access. Agency-CDC-Issues Lobbied: End to Title 42. Agency-EAC-Issues Lobbied: Executive Order on Promoting Access to Voting. Agency-NIST-Issues Lobbied: Executive Order on Promoting Access to Voting. Agency-Social Security Administration-Issues Lobbied: Proposed executive action improving access to accurate federal IDs for trans, intersex, and non-binary people. Agency-NARA-Issues Lobbied: Classification of national security information, EO 13526. Agency-Administrative Conference-Issues Lobbied: Federal rulemaking technologies, open government. Agency-FTC-Issues Lobbied: Addressing bias in automated decision-making systems creation and use, civil rights, free speech, privacy. Agency-Treasury-Issues Lobbied: Office of the Comptroller of the Currency-Racial justice, predatory lending, Rent-A-Bank CRA.

1.American Rescue Plan of 2021: Budget reconciliation legislation that included a pay-for that impacts retirement savers. Section 9709 would have implement a cost-of-living adjustment freeze for the year 2030 and beyond. 2.S. 1870, the Enhancing Emergency and Retirement Savings Act of 2021: The legislation would provide a penalty-free emergency distribution option from employer-sponsored retirement accounts and IRAs.Portable Retirement and Investment Account Act (PRIA): Creates retirement accounts at birth to help establish life long savings/retirement accounts. 3.S. 222, The American Opportunity Accounts Act: Establishes tax-exempt American Opportunity Accounts to provide children at birth with a $1,000 savings account with annual contributions up to $2,000 depending on family income. 4.H.R. 2954, Securing a Strong Retirement Act (SECURE 2.0) / Retirement Security and Savings Act: Comprehensive retirement savings legislation. 5.S. 1272, The SIMPLE Plan Modernization Act: The bill would raise the contribution limit for SIMPLE plans from $13,500 to $16,500 with a corresponding increase in the catch-up limit from $3,000 to $4,750. 6.S. 1770, The Retirement Security & Savings Act: Comprehensive retirement savings legislation. 7.S. 1703, The Improving Access to Retirement Savings Act of 2021: The bill would expand Open Multiple Employer Plans to include 403(b) accounts, create a safe harbor for correcting employee deferrals and make clarifications for small businesses who wish to utilize a credit to offer a retirement plan to their employees. 8.S. 1443, The Retirement Parity for Student Loans Act: Allows employers to make matching contributions to a 401(k) retirement plan while their employees make student loan repayments. H.R. 133, Both provisions are in the larger bill. Group Insurance Products. The Continuing Paycheck Protection Program includes ACLIs suggested language to clarify that the loan money can be used and will be forgiven for other group insurance products including: life, disability, vision, and dental. The amendment applies to loans already made. Extension of Paid Leave Credits. Extension of credits for paid sick and family leave which extended the provisions of FFCRA until March 31, 2021 and replaced the mandate to provide paid sick leave related to the pandemic with a payroll tax subsidy to employers who provide the leave. H.R. 748, The CARES Act. Large, comprehensive COVID-19 relief bill. Issue Paycheck protection program and paid family medical leave. H.R. 6800, The HEROES Act. Large, comprehensive COVID-19 relief bill. Issue Paycheck protection program and paid family medical leave. H.R.1185 - FAMILY Act. Issue: paid family and medical leave proposal would offer paid leave benefits via a payroll tax for birth or adoption of a child or caring for a sick family member. H.R.1940 - New Parents Act of 2019. Issue: paid family and medical leave H.R.2163 - To amend the Internal Revenue Code of 1986 to allow for tax-advantaged distributions from health savings accounts during family or medical leave, and for other purposes. Issue: paid family and medical leave S.463 - FAMILY Act. Issue: paid family and medical leave- paid family and medical leave proposal would offer paid leave benefits via a payroll tax for birth or adoption of a child or caring for a sick family member S.920 - New Parents Act of 2019. Issue: paid family and medical leave Discussion draft - CRADLE Act. Issue: paid family and medical leave - allows for a deferment of retirement benefits for paid leave benefits. Proposed FY 2020 Budget proposal on paid family and medical leave. Issue: paid family and medical leave H.R. 2694 - Pregnant Workers Fairness Act. Issue: paid family and medical leave. H.R. 5084 - Improving Corporate Governance Through Diversity Act. Issue: diversity and inclusion. H.R. 5360 - Closing the Racial Wealth Gap Act. Issue: diversity and inclusion. H.R. 281 - Ensuring Diverse Leadership Act. Issue: diversity and inclusion. H.R. 7946 and S. 4464 - Federal Reserve Racial and Economic Equity Act. Issue: diversity and inclusion.

S. 1870, the Enhancing Emergency and Retirement Savings Act of 2021: The legislation would provide a penalty-free emergency distribution option from employer-sponsored retirement accounts and IRAs. Portable Retirement and Investment Account Act (PRIA) (no bill number): Creates retirement accounts at birth to help establish life long savings/retirement accounts. S. 222, The American Opportunity Accounts Act: Establishes tax-exempt American Opportunity Accounts to provide children at birth with a $1,000 savings account with annual contributions up to $2,000 depending on family income. H.R. 2954, Securing a Strong Retirement Act (SECURE 2.0) / Retirement Security and Savings Act: Comprehensive retirement savings legislation. S. 1272, The SIMPLE Plan Modernization Act: The bill would raise the contribution limit for SIMPLE plans from $13,500 to $16,500 with a corresponding increase in the catch-up limit from $3,000 to $4,750. S. 1770, The Retirement Security & Savings Act: Comprehensive retirement savings legislation. S. 1703, The Improving Access to Retirement Savings Act of 2021: The bill would expand Open Multiple Employer Plans to include 403(b) accounts, create a safe harbor for correcting employee deferrals and make clarifications for small businesses who wish to utilize a credit to offer a retirement plan to their employees. S. 1443, The Retirement Parity for Student Loans Act: Allows employers to make matching contributions to a 401(k) retirement plan while their employees make student loan repayments. Group Insurance Products. The Continuing Paycheck Protection Program includes ACLIs suggested language to clarify that the loan money can be used and will be forgiven for other group insurance products including: life, disability, vision, and dental. The amendment applies to loans already made. Extension of Paid Leave Credits. Extension of credits for paid sick and family leave which extended the provisions of FFCRA until March 31, 2021 and replaced the mandate to provide paid sick leave related to the pandemic with a payroll tax subsidy to employers who provide the leave. H.R. 804 / S.248- FAMILY Act. Issue: paid family and medical leave proposal would offer paid leave benefits via a payroll tax for birth or adoption of a child or caring for a sick family member. H.R.2163 - To amend the Internal Revenue Code of 1986 to allow for tax-advantaged distributions from health savings accounts during family or medical leave, and for other purposes. Issue: paid family and medical leave H.R 1065 / S. 1486 - Pregnant Workers Fairness Act. Issue: paid family and medical leave. H.R. 1277 / S. 374- Improving Corporate Governance Through Diversity Act. Issue: diversity and inclusion. No bill number - Closing the Racial Wealth Gap Act. Issue: diversity and inclusion. No bill number - Ensuring Diverse Leadership Act. Issue: diversity and inclusion. H.R. 2543 / S.1327 - Federal Reserve Racial and Economic Equity Act. Issue: diversity and inclusion.

Assist client with issues pertaining to retirement savings and rules and health savings, education savings; H.R.25 FairTax Act of 2021; S.380 Health Savings Act of 2021; S.125 Protecting Life in Health Savings Accounts Act; HR 53 Freedom for Families Act;. S222, H.R.835 American Opportunity Accounts Act; S.1959 Keeping Your Retirement Act of 2021;S.1870 Enhancing Emergency and Retirement Savings Act of 2021;H.R.2917 Retirement Parity for Student Loans Act of 2021; H.R.1166 & S275 Retirement Freedom Act;S.1889 Compassionate Retirement Act of 2021;H.R.2942 To amend the Internal Revenue Code of 1986 to increase the catch-up contribution limit for retirement plans H.R.2954 Securing a Strong Retirement Act of 2021 of participants age 62 through 64; H.R.984 Retirement Inflation Protection Act of 2021; S.1770 Retirement Security and Savings Act of 2021

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 222, American Opportunities Accounts Act S. 510, Ultramillionaire Tax Act of 2021 Stop EITC and CTC Seizures Act

Client expense: $15,400 · Firm income: Not reported

Government targets: Executive Office of the President (EOP)

Department of Labor Fiduciary Rule, SEC Best Interest Standard. S. 1431 - Retirement Security and Savings Act. H.R. 1865 Further Consolidated Appropriations Act. Coronavirus Aid, Relief, and Economic Security Act (CARES) Act Provisions on retirement including: Temporary Waiver of RMD, increase in loan amount from Employer Sponsored Plans, IRS Penalty tax free distribution from eligible retirement plans SECURE 2.0. (no bill number) Proposal would be next iteration of retirement security policy. S. 1431, Retirement Security and Savings Act of 2019. Retirement Security. Discussions related to the following bills from the previous Congress: H.R. 3857 - Protecting Advice for Small Savers Act of 2017 addressing the DOL Fiduciary rule and establishing a best interest standard for financial advisors. H.R. 4524 - The Retirement Simplification and Enhancement Act of 2017 Issue: Lifetime income provisions. H.R. 4523 - The Automatic Retirement Plan Act Issue: Retirement Security. H.R. 3910 - Amends the Internal Revenue Code of 1986 to make lifetime income and managed account options of defined contribution retirement savings plans portable. H.R. 1994 - Setting Every Community up for Retirement Enhancement Act Issue: Retirement Security. H.R. 1439 - The Increasing Access to a Secure Retirement Act Issue: measures to bolster Americans retirement security and annuity selection safe harbor. HR 5282/S 2526 - Retirement Enhancement Savings Act. H.R. 2055/ S. 868 - Lifetime Income Disclosure Act. Issue: lifetime income illustration Electronic Delivery Advocacy. (no bill number) Proposal would make electronic delivery the default distribution method for plan documents. Opt-out available. Securing a Strong Retirement (SSRA) Act of 2020. Proposal would be next House iteration of retirement security policy. H.R. 8990, the Lifetime Income for Employees Act. Expands QDIA regulations. S. 5064, Improving Access to Retirement Savings Act, includes provisions that were in SSRA, but not included in S. 1431. H.R. 6800, The HEROES Act. Large, comprehensive COVID-19 relief bill. Includes RMD relief and single employer pension plan relief. American Rescue Plan of 2021: Budget reconciliation legislation that included a pay-for that impacts retirement savers. Section 9709 would have implement a cost-of-living adjustment freeze for the year 2030 and beyond. Short-terms Savings: Proposal that would expand hardship distribution rules in order to incentivize and increase short-term savings. Portable Retirement and Investment Account Act (PRIA): Creates retirement accounts at birth to help establish life long savings/retirement accounts. S. 222, The American Opportunity Accounts Act: Establishes tax-exempt American Opportunity Accounts to provide children at birth with a $1,000 savings account with annual contributions up to $2,000 depending on family income.

1.American Rescue Plan of 2021: Budget reconciliation legislation that included a pay-for that impacts retirement savers. Section 9709 would have implement a cost-of-living adjustment freeze for the year 2030 and beyond. 2.Short-terms Savings: Proposal that would expand hardship distribution rules in order to incentivize and increase short-term savings. 3.Portable Retirement and Investment Account Act (PRIA): Creates retirement accounts at birth to help establish life long savings/retirement accounts. 4.S. 222, The American Opportunity Accounts Act: Establishes tax-exempt American Opportunity Accounts to provide children at birth with a $1,000 savings account with annual contributions up to $2,000 depending on family income. H.R. 133, Both provisions are in the larger bill. Group Insurance Products. The Continuing Paycheck Protection Program includes ACLIs suggested language to clarify that the loan money can be used and will be forgiven for other group insurance products including: life, disability, vision, and dental. The amendment applies to loans already made. Extension of Paid Leave Credits. Extension of credits for paid sick and family leave which extended the provisions of FFCRA until March 31, 2021 and replaced the mandate to provide paid sick leave related to the pandemic with a payroll tax subsidy to employers who provide the leave. H.R. 748, The CARES Act. Large, comprehensive COVID-19 relief bill. Issue Paycheck protection program and paid family medical leave. H.R. 6800, The HEROES Act. Large, comprehensive COVID-19 relief bill. Issue Paycheck protection program and paid family medical leave. H.R.1185 - FAMILY Act. Issue: paid family and medical leave proposal would offer paid leave benefits via a payroll tax for birth or adoption of a child or caring for a sick family member. H.R.1940 - New Parents Act of 2019. Issue: paid family and medical leave H.R.2163 - To amend the Internal Revenue Code of 1986 to allow for tax-advantaged distributions from health savings accounts during family or medical leave, and for other purposes. Issue: paid family and medical leave S.463 - FAMILY Act. Issue: paid family and medical leave- paid family and medical leave proposal would offer paid leave benefits via a payroll tax for birth or adoption of a child or caring for a sick family member S.920 - New Parents Act of 2019. Issue: paid family and medical leave Discussion draft - CRADLE Act. Issue: paid family and medical leave - allows for a deferment of retirement benefits for paid leave benefits. Proposed FY 2020 Budget proposal on paid family and medical leave. Issue: paid family and medical leave H.R. 2694 - Pregnant Workers Fairness Act. Issue: paid family and medical leave. H.R. 5084 - Improving Corporate Governance Through Diversity Act. Issue: diversity and inclusion. H.R. 5360 - Closing the Racial Wealth Gap Act. Issue: diversity and inclusion. H.R. 281 - Ensuring Diverse Leadership Act. Issue: diversity and inclusion. H.R. 7946 and S. 4464 - Federal Reserve Racial and Economic Equity Act. Issue: diversity and inclusion.

Assist client with issues pertaining to retirement savings and rules and health savings, education savings; H.R.25 FairTax Act of 2021; S.380 Health Savings Act of 2021; S.125 Protecting Life in Health Savings Accounts Act; HR 53 Freedom for Families Act;. S222, H.R.835 American Opportunity Accounts Act;

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

American Rescue Plan of 2021: Budget reconciliation legislation that included a pay-for that impacts retirement savers. Section 9709 would have implement a cost-of-living adjustment freeze for the year 2030 and beyond. Short-terms Savings: Proposal that would expand hardship distribution rules in order to incentivize and increase short-term savings. Portable Retirement and Investment Account Act (PRIA): Creates retirement accounts at birth to help establish life long savings/retirement accounts. S. 222, The American Opportunity Accounts Act: Establishes tax-exempt American Opportunity Accounts to provide children at birth with a $1,000 savings account with annual contributions up to $2,000 depending on family income. Group Insurance Products. The Continuing Paycheck Protection Program includes ACLIs suggested language to clarify that the loan money can be used and will be forgiven for other group insurance products including: life, disability, vision, and dental. The amendment applies to loans already made. Extension of Paid Leave Credits. Extension of credits for paid sick and family leave which extended the provisions of FFCRA until March 31, 2021 and replaced the mandate to provide paid sick leave related to the pandemic with a payroll tax subsidy to employers who provide the leave. H.R.1185 - FAMILY Act. Issue: paid family and medical leave proposal would offer paid leave benefits via a payroll tax for birth or adoption of a child or caring for a sick family member. H.R.2163 - To amend the Internal Revenue Code of 1986 to allow for tax-advantaged distributions from health savings accounts during family or medical leave, and for other purposes. Issue: paid family and medical leave S.463 - FAMILY Act. Issue: paid family and medical leave- paid family and medical leave proposal would offer paid leave benefits via a payroll tax for birth or adoption of a child or caring for a sick family member S.920 - New Parents Act of 2019. Issue: paid family and medical leave Discussion draft - CRADLE Act. Issue: paid family and medical leave - allows for a deferment of retirement benefits for paid leave benefits. Proposed FY 2020 Budget proposal on paid family and medical leave. Issue: paid family and medical leave H.R. 2694 - Pregnant Workers Fairness Act. Issue: paid family and medical leave. H.R. 5084 - Improving Corporate Governance Through Diversity Act. Issue: diversity and inclusion. H.R. 5360 - Closing the Racial Wealth Gap Act. Issue: diversity and inclusion. H.R. 281 - Ensuring Diverse Leadership Act. Issue: diversity and inclusion. H.R. 7946 and S. 4464 - Federal Reserve Racial and Economic Equity Act. Issue: diversity and inclusion.