Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2023

H.R. 742, Telling Everyone the Location of Data Leaving the U.S. (TELL) Act H.R. 750, Chinese-owned Applications Using The Information of Our Nation (CAUTION) Act of 2023 H.R. 784, Internet Application I.D. Act H.R. 1050, Data Science and Literacy Act H.R. 1165, Data Privacy Act of 2023 H.R. 1341, Spectrum Coordination Act H.R. 3369, Artificial Intelligence Accountability Act H.R. 3459/S. 307, Increasing Competitiveness for American Drones Act of 2023 H.R. 3557, American Broadband Deployment Act of 2023 H.R. 4814, Consumer Safety Technology Act H.R. 5077, Create AI Act H.R. 5527, Modernizing Government Technology (MGT) Reform Act of 2023 H.R. 5628/S. 2892, Algorithmic Accountability Act H.R. 6929/S. 3565, Affordable Connectivity Program Extension Act of 2024 H.R. 7116, Do Not Disturb Act H.R. 7520, Protecting Americans Data from Foreign Adversaries Act of 2024 H.R. 7532, Federal AI Governance and Transparency Act H.R. 7890/S.1418, Children and Teens Online Privacy Protection Act H.R. 7891/S.1409, Kids Online Safety Act H.R. 8070, Servicemember Quality of Life Improvement and National Defense Authorization Act for Fiscal Year 2025 H.R. 8315, Enhancing National Frameworks for Overseas Critical Export Act (ENFORCE Act) H.R. 8673, Expanding Partnerships for Innovation and Competitiveness (EPIC) Act H.R. 8818, American Privacy Rights Act of 2024 H.R. 9197, Small Business Artificial Intelligence Advancement Act H.R. 9551/S. 4875, No FAKES Act of 2024 H.R. 9766, Undersea Cable Security and Protection Act S. 931, Strengthening Agency Management and Oversight of Software Assets Act S. 1094, Journalism Competition and Preservation Act (JCPA) of 2023 S. 1212, Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act S. 1671, Digital Platform Commission Act S. 1865, Transparent Automated Governance Act S. 1873, Global Technology Leadership Act S. 1993, No Section 230 immunity in AI Act S. 2032 Legacy IT Reduction Act of 2023 S. 2238, Plan for Broadband Act S. 2321, Commerce, Justice, Science, and Related Agencies Appropriations Act, 2024 S. 3162, TEST AI Act of 2023 S. 3312, Artificial Intelligence (AI) Research, Innovation, and Accountability Act of 2023 S. 3849, Promoting United States Leadership in Standards Act of 2024 S. 3959, Transportation Security Screening Modernization Act S. 4178, Future of AI Innovation Act S. 4207, Spectrum and National Security Act of 2024 S. 4495, Promoting Responsible Evaluation and Procurement to Advance Readiness for Enterprise-wide Deployment (PREPARED) for AI Act S. 4569, TAKE IT DOWN Act S. 4596, Artificial Intelligence Public Awareness and Education Campaign Act S. 4630, Streamlining Federal Cybersecurity Regulations Act S. 4769, VET Artificial Intelligence Act H.J.Res. 100/S.J.Res.50, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Securities and Exchange Commission relating to Cybersecurity Risk Management, Strategy, Governance, and Incident Disclosure H.J.Res.153, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Federal Communications Commission relating to "Safeguarding and Securing the Open Internet; Restoring Internet Freedom" Draft legislation titled American Privacy Rights Act (APRA) Draft legislation titled FTC Procedural Reform Draft legislation on improvements to the Paperwork Reduction Act Draft legislation around collection and sharing of government data Draft legislation around deepfakes Potential legislation similar to S.2836, Preventing Emerging Threats Act of 2018 Potential Foreign Intelligence Surveillance Act legislation Potential legislation related to the American Data Privacy Protection Act Potential legislation related to Artificial Intelligence Proposed Rule, Federal Trade Commission; Children's Online Privacy Protection Rule (89 Fed. Reg. 2,034-2,076, January 11, 2024) Advanced Notice of Proposed Rulemaking at the Federal Trade Commission on Commercial Surveillance (87 Fed. Reg. 51,273-51,299, August 8, 2022) Various issues relating to expanding access to high-speed broadband internet service; broadband infrastructure and deployment, including permitting reform; nominations at the Federal Trade Commission (FTC); technology and economic relief; intermediary liability; potential federal privacy legislation; facial recognition technology; net neutrality; internet of things (IoT) devices; digital trade; intellectual property; World Intellectual Property Organization activities; artificial intelligence regulation, standards, research, and development; robocalls and the Telephone Consumer Protection Act (TCPA) (P.L. 102-243); implementation of the Childrens Online Privacy Protection Act (P.L. 105-277); implementation of the American Rescue Plan including provisions relating to the Technology Modernization Fund (P.L. 117-2); implementation of Clarifying Lawful Overseas Use of Data (CLOUD) Act (P.L. 115-141); implementation of the OPEN Government Data Act (P.L. 115-435); funding for National Defense Authorization Act (P.L. 116-92); implementation of the Drivers Privacy Protection Act (P.L. 103-322); implementation of the Infrastructure Investment and Jobs Act (P.L. 117-58); implementation of the Creating Helpful Incentives to Produce Semiconductors (CHIPS) and Science Act, (P.L. 117-167), including provisions relating to stock buybacks; implementation of the Department of Commerces semiconductor incentives program funded by the CHIPS and Science Act (P.L. 117-167); implementation of the National Artificial Intelligence Research Resource (NAIRR) Task Force Authorization, enacted as part of the FY 2021 National Artificial Intelligence Initiative Act of 2020 (P.L.116-283); appropriating funding for the Public Wireless Supply Chain Fund and the Multilateral Telecommunications Security Fund; Executive Order 13859, Maintaining American Leadership in Artificial Intelligence; Executive Order 13984, Taking Additional Steps to Address the National Emergency with Respect to Significant Malicious Cyber-Enabled Activities; Executive Order 14017, Executive Order on America's Supply Chains; Executive Order 14110, Safe, Secure, and Trustworthy Development and Use of AI; Consumer Cybersecurity Labeling Pilots; Feedback to NIST on AI Risk Management: Future of the FCC Universal Service Fund; European Unions Artificial Intelligence Act; FTC enforcement; potential Executive Order on identity theft; Technology Modernization Fund in Financial Services and General Government proposed appropriations legislation; appropriations for the Federal Trade Commission; draft National Institute of Standards and Technology (NIST) guidance on Federal Internet of Things Device Cybersecurity; security criteria for Internet of Things (IoT) Devices; draft Consumer Software Labeling Criteria; modernization of IT services for Congress; the Administrations Counter Unmanned Aircraft Systems (UAS) Action Plan; use of third-party messaging apps by corporate employees; NIST Cybersecurity Framework 2.0 concept paper, Potential Significant Updates to the Cybersecurity Framework; implementation of the International Technology Security and Innovation Fund (ITSI Fund); Federal Trade Commission activities, including hearings on competition and consumer protection, franchise rule and earnings rule; Solicitation for Public Comments on the Business Practices of Cloud Computing Providers (Docket ID FTC-2023-0028); use of artificial intelligence in CFTC-regulated markets; support for a robust global framework for facilitation of digital trade; Canada Digital Services Tax - C-59, An Act to implement certain provisions of the fall economic statement; implementation of the National Institute of Standards and Technology (NIST) Standards Strategy Implementation Roadmap; Office of Science and Technology Policies Blueprint for an AI Bill of Rights; semiconductor permitting; oversight issues pertaining to the Department of Commerce, FCC, OSTP, and the FTC; algorithmic issues in employment; national spectrum strategy; FCC enforcement reform; Team Telecom reform; NextNav rulemaking petition

Client expense: $22,410,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Natl Aeronautics & Space Administration (NASA), Natl Highway Traffic Safety Administration (NHTSA), Natl Institute of Standards & Technology (NIST), Natl Oceanic & Atmospheric Administration (NOAA), Natl Science Foundation (NSF), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of Science & Technology Policy (OSTP), Patent & Trademark Office (PTO), SENATE, Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, Veterans Affairs, Dept of (VA)

H.R. 9029, Departments of Labor, Health and Human Services, and Education, and Related Agencies Appropriations Act, 2025 S. 1212, Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act of 2023 S. 2767, SSI Savings Penalty Elimination Act S.J.Res 79, Joint Resolution Providing for Congressional Disapproval under Chapter 8 of title 5, United States Code, of the Rule Submitted by the Department of Labor Relating to Retirement Security Rule: Definition of an Investment Advice Fiduciary Draft legislation titled Pension Budget Integrity Act Various issues relating to multiemployer pension plans; the multiemployer pension recapitalization and reform plan (MPRRP); single employer defined contribution plans and defined benefit plans; tax reform; common interest agreements; student loan third party verification and STOP Act; Pension Benefit Guaranty Corporation premiums; e-delivery of retirement plan disclosures and notices; funding for single employer pension plans; remote notarization and remote witnessing procedures; brokerage windows in self-directed retirement plans; retirement security for all and defined benefit plan improvements; U.S. Department of Labors review of the definition of investment advice fiduciary; auto-portability of retirement plans; implementation of Internal Revenue Code Section 411(d)(6), relationship to in-service early retirement distributions; implementation and technical corrections of the SECURE 2.0 Act (P.L. 117-328); retirement savings lost and found searchable database as provided for in section 303 of the SECURE 2.0 Act; proposed amendment to Prohibited Transaction Class Exemption 84-14 (the QPAM Exemption) (RIN 1210-ZA07)

Client expense: $22,410,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Pension Benefit Guaranty Corporation (PBGC), SENATE, Treasury, Dept of

General education on the risks that unregulated alternative to title insurance. H.R. 5837, the Protecting America's Property Rights Act, whole bill S. 2687, the Protecting America's Property Rights Act, whole bill H.R. 8127, the Heirs Estate Inheritance Resolution and Succession Act, whole bill. S 4899, the Heirs Estate Inheritance Resolution and Succession Act, whole bill General education on deed fraud and seller impersonation fraud. S. 1212, the Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act; whole bill General education on non-title recorded agreements for personal services; no bill introduced. General education related to restrictions on foreign ownership of U.S. real estate. General education related to the FHFA Title Acceptance Pilot Program. S.3720, Preserving Pathways to Homeownership Act of 2024 General education related to the Federal Insurance Office Roundtable on title insurance. General education related to Docket No. CFPB-2024-0021; Request for Information Regarding Fees Imposed in Residential Mortgage Transactions.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

H.R. 1059/S. 1212 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2023 (SECURE Notarization Act of 2023). Monitor issues related to Artificial Intelligence and Remote Identity-Proofing policies. Issues related to consumer privacy legislation and artificial intelligence. H.R. 8818 - The American Privacy Rights Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 274 To report on "all-hazards disaster insurance program" -- To require a report by the Comptroller General of the United States on a national all-hazards disaster insurance program. Issue Climate-Related Financial Risk Issue Diversity, Equity, and Inclusion Issue Cybersecurity Issue Data Privacy Issue Role of Private Equity in Insurance Issue Pre-Disaster Mitigation and Resiliency HR 5689 (117th) Resilient AMERICA Act - addresses disaster resilience issues and expands coverage for hazard mitigation. HR 482/S 188 Wildfire Emergency Act - improve Federal activities relating to wildfires HR 906 REPAIR Act - ensure consumers have access to data, repair information, and tools, and to provide them choices for the maintenance, service, and repair of their motor vehicles S 513 Insure Cybersecurity Act of 2023 - establish a working group on cyber insurance, to require dissemination HR 1165 Data Privacy Act of 2023 - amend the Gramm-Leach-Bliley Act to modernize the protection of the nonpublic personal information HR 621/S 154 PART Act - establishes requirements for motor vehicles related to catalytic converters AFT FY24 Appropriations - FY24 Appropriations HR 3799 CHOICE Arrangement Act -- statutory authority for regulations that allow employers to offer individual coverage health reimbursement arrangements DRAFTFarm Bill 2023 - Farm Bill DRAFT Homeowners Defense Act - To ensure the availability and affordability of homeowners insurance coverage for catastrophic events. HR 8152 (117th) American Data Privacy Protection Act - To provide consumers with foundational data privacy rights, create strong oversight mechanisms, and establish meaningful enforcement. HR 1059/S 1212 SECURE Notarization Act -allows a notary public commissioned under state law to remotely notarize electronic records HR 2923/S 1384 Living Donor Protection Act -- prohibits certain insurance carriers from discriminating against, and provides other protections for, living organ donors. HR 3388/S 1607 Repair Abuses of MSP Payments (RAMP) Act - amend Social Security Act to permit a private cause of action for damages in the case of a group health plan which fails to provide for primary payment or appropriate reimbursement. HR 2933 Federal Insurance Office Elimination Act -- To eliminate the Federal Insurance Office of the Department of the Treasury S 1694 Federal Insurance Office Abolishment Act of 2023 -- To eliminate the Federal Insurance Office of the Department of the Treasury HR 3880 PAID Act -- prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility. HR 15/S 5 Equality Act - prohibits discrimination based on sex, sexual orientation, or gender identity with respect to businesses, employment, housing, federally funded programs S 2061Catalytic Converter Theft Task Force Act -- task force to develop and implement strategies to deter, prevent, and combat the theft and trafficking of catalytic converters DRAFTFinancial Services and General Government Appropriation FY24 - FSGG Appropriations HR 3014 - CART Act of 2023-to amend the Internal Revenue Code of 1986 to establish a system for the taxation of catastrophic risk transfer companies to ensure sufficient capital to cover catastrophic insurance losses, and for other purposes Issue: Third Party Litigation Funding

Client expense: $580,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Postal Service (USPS)

Work to keep insurance regulated by the states and not by the Consumer Financial Protection Bureau or set by international bodies. Oppose legislation to repeal the McCarran-Ferguson antitrust exemption for the business of insurance. Advocate for privacy measures in line with GLBA and HIPAA as applied to financial services. Support H.R. 1165, the Data Privacy Act introduced by HFSC Chairman McHenry. Oppose H.R. 8818, the American Privacy Rights Act, which contains a private right of action and does not include federal preemption or an exemption for GLBA.Support legislation of e-signatures, e-disclosures, and e-notarizations, including E-Sign Modernization Act. Support H.R. 1059/S. 1212, the SECURE Notarization Act. Support H.R. 2891/S. 1323/S 2860, the Secure and Fair Enforcement Banking SAFE Act and Secure and Fair Enforcement Regulation Banking (SAFER) Act. This bill generally prohibits a federal regulator from penalizing a financial institution for providing services to a legitimate cannabis-related business.

Client expense: $110,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S 1212 Securing and Enabling Commerce Using Remote and Electronic Notarization Act: Summary in progress. To authorize notaries public to perform, and to establish minimum standards for, electronic notarizations and remote notarizations that occur in or affect interstate commerce, to require any Federal court to recognize notarizations performed by a notarial officer of any State, to require any State to recognize notarizations performed by a notarial officer of any other State when the notarization was performed under or relates to a public Act, record, or judicial proceeding of the notarial officers State or when the notarization occurs in or affects interstate commerce, and for other purposes.

Client expense: $482,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to remote online notarization - no specific legislation. H.R.1059 - SECURE Notarization Act of 2023 & the issue of remote online notarization. S.1212 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2023. Monitor issues related to Artificial Intelligence and Remote Identity-Proofing policies - no specific legislation. H.R. 8818 - The American Privacy Rights Act - entire bill.

Client expense: $70,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to remote online notarization - no specific legislation. H.R.1059 - SECURE Notarization Act of 2023 & the issue of remote online notarization. S.1212 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2023. Monitor issues related to Artificial Intelligence and Remote Identity-Proofing policies - no specific legislation. H.R. 8818 - The American Privacy Rights Act - entire bill.

Client expense: $70,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Lobbied on the SECURE Notarization Act (H.R. 1059, S. 1212) to allow a notary public commissioned under state law to remotely notarize electronic records and for states to recognize notarizations performed under the laws of other states. Additionally, the bill allows a notary public to remotely notarize electronic records involving an individual located outside of the United States, subject to certain requirements. Requires U.S. courts and states to recognize notarizations, including remote notarizations of electronic records, that occur in or affect interstate commerce and are performed by a notary public commissioned under the laws of other states. Educated congressional offices on recent changes in real estate transaction policies.

Client expense: $20,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

credit union member business lending; credit union field of membership issues including maturity limits for federal credit unions; Fair lending; cannabis banking; Prompt Corrective Action for credit unions and capital reform. Community Development Financial Institutions. Nominations for the CFPB's Credit Union Advisory Council. Expanding Financial Access to Underserved Communities Act; The Expanding Financial Access for Underserved Communities Act, H.R. 582 and S. 610, The Credit Union Board Modernization Act. The Credit Card Competition Act (H.R. 3881, S. 1838); access to liquidity for credit unions; H.R. 4867/S. 539, Veterans Member Business Loan Act; H.R. 4198, Protecting Consumers from Abusive Mortgage Leads Act; H.R. 2798, CFPB Transparency and Accountability Reform Act; S. 610, Board Modernization Act; S. 1212, Secure Notarization Act; Debit Interchange (reg ii), Loan Maturities (H.R. 6933, the Expanding Access to Lending Options Act); Overseas Military Banking Program; CFPB Overdraft Protection Proposed Rule; Federal Home Loan Bank board organization; Federal Home Loan Bank definition of a CDFI.

Client expense: $110,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE, Treasury, Dept of

Credit union and credit union related issues. The Credit Card Competition Act (Senate: S. 1838; House: H.R. 3881); H.R. 4867/S. 539, Veterans Member Business Loan Act; access to liquidity; H.R. 4198, the Protecting Consumers from Abusive Mortgage Leads Act; H.R. 2798, the CFPB Transparency Act; S. 610, the Board Modernization Act; S. 1212, the SECURE Notarization Act; H.R. 6933, Expanding Access to Lending Options Act; H.R. 4198, Protecting Consumers from Abusive Mortgage Leads Act; CFPB's proposed overdraft protection rule; Federal Home Loan Bank board organization and definition of a CDFI.

Client expense: $110,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

credit union member business lending; credit union field of membership issues including maturity limits for federal credit unions; Fair lending; cannabis banking; Prompt Corrective Action for credit unions and capital reform. Community Development Financial Institutions. Nominations for the CFPB's Credit Union Advisory Council. Expanding Financial Access to Underserved Communities Act; The Expanding Financial Access for Underserved Communities Act, H.R. 582 and S. 610, The Credit Union Board Modernization Act. The Credit Card Competition Act (H.R. 3881, S. 1838); access to liquidity for credit unions; H.R. 4867/S. 539, Veterans Member Business Loan Act; H.R. 4198, Protecting Consumers from Abusive Mortgage Leads Act; H.R. 2798, CFPB Transparency and Accountability Reform Act; S. 610, Board Modernization Act; S. 1212, Secure Notarization Act; Debit Interchange (reg ii), Loan Maturities (H.R. 6933, the Expanding Access to Lending Options Act); Overseas Military Banking Program; CFPB Overdraft Protection Proposed Rule; Federal Home Loan Bank board organization; Federal Home Loan Bank definition of a CDFI.

Client expense: $110,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE, Treasury, Dept of

Credit union and credit union related issues. The Credit Card Competition Act (Senate: S. 1838; House: H.R. 3881); H.R. 4867/S. 539, Veterans Member Business Loan Act; access to liquidity; H.R. 4198, the Protecting Consumers from Abusive Mortgage Leads Act; H.R. 2798, the CFPB Transparency Act; S. 610, the Board Modernization Act; S. 1212, the SECURE Notarization Act; H.R. 6933, Expanding Access to Lending Options Act; H.R. 4198, Protecting Consumers from Abusive Mortgage Leads Act; CFPB's proposed overdraft protection rule; Federal Home Loan Bank board organization and definition of a CDFI.

Client expense: $110,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1059 SECURE Notarization Act H.R. 1165 Data Privacy Act of 2023 H.R. 2656 Trigger Leads Abatement Act of 2023 H.R 7297 Homebuyers Privacy Protection Act of 2024 H.R. 4192 Small Business Financing Disclosure Act of 2023 H.R. 4198 Protecting Consumers from Abusive Mortgage Leads Act H.R. 4737 Stop Executive Capture of Banking Regulators Act H.R. 4823 American Financial Institution Regulator Sovereignty and Transparency Act S. 1212 SECURE Notarization Act S. 2021 Small Business Financing Disclosure Act of 2023 S. 3012 Deposit Security Act S. 3502 Homebuyers Privacy Protection Act H.R. 5648 Community Assistance for Recovery and Empowerment Act H.R. 3464 Affordable Homeownership Access Act H.J. Res. 120 Disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Financial Stability Oversight Council (FSOC) relating to "Guidance on Non-Bank Financial Company Determinations Basel endgame rules

Client expense: $500,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

General Data Privacy;   H.R. 1059 and S. 1212, SECURE Notarization Act;   H.R. 1165, Data Privacy Act of 2023 General Broadband Issues  General Artificial Intelligence Issues H.R. 8818, American Data Privacy and Protection Act

Client expense: $520,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General education on the risks that unregulated alternative to title insurance. H.R. 5837, the Protecting America's Property Rights Act, whole bill S. 2687, the Protecting America's Property Rights Act, whole bill H.R. 8127, the Heirs Estate Inheritance Resolution and Succession Act, whole bill. S 4899, the Heirs Estate Inheritance Resolution and Succession Act, whole bill Reintroduction of the Good Documentation and Enforcement of Estate (GOOD) Deeds Act, establishing a grant program to combat deed fraud. General education on deed fraud and seller impersonation fraud. S. 1212, the Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act; whole bill General education on non-title recorded agreements for personal services; no bill introduced. General education related to restrictions on foreign ownership of U.S. real estate. General education related to the FHFA Title Acceptance Pilot Program. S.3720, Preserving Pathways to Homeownership Act of 2024 Federal Insurance Office Roundtable on title insurance.

Client expense: $460,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

H.R. 742, Telling Everyone the Location of Data Leaving the U.S. (TELL) Act H.R. 750, Chinese-owned Applications Using The Information of Our Nation (CAUTION) Act of 2023 H.R. 784, Internet Application I.D. Act H.R. 1050, Data Science and Literacy Act H.R. 1165, Data Privacy Act of 2023 H.R. 1341, Spectrum Coordination Act H.R. 3369, Artificial Intelligence Accountability Act H.R. 3459/S. 307, Increasing Competitiveness for American Drones Act of 2023 H.R. 3557, American Broadband Deployment Act of 2023 H.R. 4814, Consumer Safety Technology Act H.R. 5077, Create AI Act H.R. 5527, Modernizing Government Technology (MGT) Reform Act of 2023 H.R. 5628/S. 2892, Algorithmic Accountability Act H.R. 6929/S. 3565, Affordable Connectivity Program Extension Act of 2024 H.R. 7116, Do Not Disturb Act H.R. 7520, Protecting Americans Data from Foreign Adversaries Act of 2024 H.R. 7532, Federal AI Governance and Transparency Act H.R. 7890/S. 1418, Children and Teens Online Privacy Protection Act H.R. 7891/S. 1409, Kids Online Safety Act H.R. 8070, Servicemember Quality of Life Improvement and National Defense Authorization Act for Fiscal Year 2025 H.R. 8315, Enhancing National Frameworks for Overseas Critical Export Act (ENFORCE Act) H.R. 8673, Expanding Partnerships for Innovation and Competitiveness (EPIC) Act H.R. 8818, American Privacy Rights Act of 2024 H.R. 9197, Small Business Artificial Intelligence Advancement Act S. 931, Strengthening Agency Management and Oversight of Software Assets Act S. 1094, Journalism Competition and Preservation Act (JCPA) of 2023 S. 1212, Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act S. 1671, Digital Platform Commission Act S. 1865, Transparent Automated Governance Act S. 1873, Global Technology Leadership Act S. 1993, No Section 230 immunity in AI Act S. 2032, Legacy IT Reduction Act of 2023 S. 2238, Plan for Broadband Act S. 2321, Commerce, Justice, Science, and Related Agencies Appropriations Act, 2024 S. 3162, TEST AI Act of 2023 S. 3312, Artificial Intelligence (AI) Research, Innovation, and Accountability Act of 2023 S. 3849, Promoting United States Leadership in Standards Act of 2024 S. 3959, Transportation Security Screening Modernization Act S. 4178, Future of AI Innovation Act S. 4207, Spectrum and National Security Act of 2024 S. 4495, Promoting Responsible Evaluation and Procurement to Advance Readiness for Enterprise-wide Deployment (PREPARED) for AI Act S. 4569, TAKE IT DOWN Act S. 4596, Artificial Intelligence Public Awareness and Education Campaign Act S. 4630, Streamlining Federal Cybersecurity Regulations Act S. 4769, VET Artificial Intelligence Act H.J.Res. 100/S.J.Res.50, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Securities and Exchange Commission relating to Cybersecurity Risk Management, Strategy, Governance, and Incident Disclosure H.J.Res.153, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Federal Communications Commission relating to Safeguarding and Securing the Open Internet; Restoring Internet Freedom Draft legislation titled American Privacy Rights Act (APRA) Draft legislation titled FTC Procedural Reform Draft legislation on improvements to the Paperwork Reduction Act Draft legislation around collection and sharing of government data Draft legislation around deepfakes Draft legislation to sunset Section 230 of the Communications Act of 1934 Draft legislation on reforming the Universal Service Fund Potential legislation similar to S.2836, Preventing Emerging Threats Act of 2018 Potential Foreign Intelligence Surveillance Act legislation Potential legislation related to the American Data Privacy Protection Act Potential legislation related to Artificial Intelligence Proposed Rule, Federal Trade Commission; Children's Online Privacy Protection Rule (89 Fed. Reg. 2,034-2,076, January 11, 2024) Advanced Notice of Proposed Rulemaking at the Federal Trade Commission on Commercial Surveillance (87 Fed. Reg. 51,273-51,299, August 8, 2022) Various issues relating to expanding access to high-speed broadband internet service; broadband infrastructure and deployment, including permitting reform; nominations at the Federal Trade Commission (FTC); technology and economic relief; intermediary liability; potential federal privacy legislation; facial recognition technology; net neutrality; internet of things (IoT) devices; digital trade; intellectual property; World Intellectual Property Organization activities; artificial intelligence regulation, standards, research, and development; robocalls and the Telephone Consumer Protection Act (TCPA) (P.L. 102-243); implementation of the Childrens Online Privacy Protection Act (P.L. 105-277); implementation of the American Rescue Plan including provisions relating to the Technology Modernization Fund (P.L. 117-2); implementation of Clarifying Lawful Overseas Use of Data (CLOUD) Act (P.L. 115-141); implementation of the OPEN Government Data Act (P.L. 115-435); implementation of the CHIPS for America Act, enacted as part of the FY2020 National Defense Authorization Act (P.L. 116-92); implementation of the Drivers Privacy Protection Act (P.L. 103-322); implementation of the Infrastructure Investment and Jobs Act (P.L. 117-58); implementation of the Creating Helpful Incentives to Produce Semiconductors (CHIPS) and Science Act, (P.L. 117-167), including provisions relating to stock buybacks; implementation of the Department of Commerces semiconductor incentives program funded by the CHIPS and Science Act (P.L. 117-167); implementation of the National Artificial Intelligence Research Resource (NAIRR) Task Force Authorization, enacted as part of the FY 2021 National Artificial Intelligence Initiative Act of 2020 (P.L.116-283); appropriating funding for the Public Wireless Supply Chain Fund and the Multilateral Telecommunications Security Fund; increased technology modernization funding for FY24; Executive Order 13859, Maintaining American Leadership in Artificial Intelligence; Executive Order 13984, Taking Additional Steps to Address the National Emergency with Respect to Significant Malicious Cyber-Enabled Activities; Executive Order 14017, Executive Order on America's Supply Chains; Executive Order 14110 Safe, Secure, and Trustworthy Development and Use of AI; Consumer Cybersecurity Labeling Pilots; Feedback to NIST on AI Risk Management; Future of the FCC Universal Service Fund; European Unions Artificial Intelligence Act; FTC enforcement; potential Executive Order on identity theft; Technology Modernization Fund in Financial Services and General Government proposed appropriations legislation; appropriations for the Federal Trade Commission; draft National Institute of Standards and Technology (NIST) guidance on Federal Internet of Things Device Cybersecurity; security criteria for Internet of Things (IoT) Devices; draft Consumer Software Labeling Criteria; modernization of IT services for Congress; the Administrations Counter Unmanned Aircraft Systems (UAS) Action Plan; use of third-party messaging apps by corporate employees; NIST Cybersecurity Framework 2.0 concept paper, Potential Significant Updates to the Cybersecurity Framework; implementation of the International Technology Security and Innovation Fund (ITSI Fund); Federal Trade Commission activities, including hearings on competition and consumer protection, franchise rule and earnings rule; Solicitation for Public Comments on the Business Practices of Cloud Computing Providers (Docket ID FTC-2023-0028); Notice and Request for Comments; Limited General Applicability Nonavailability Waiver of the Buy America Domestic Content Procurement Preference as Applied to Recipients of Broadband Equity, Access, and Deployment Program; use of artificial intelligence in CFTC-regulated markets; support for a robust global framework for facilitation of digital trade; Canada Digital Services Tax - C-59, An Act to implement certain provisions of the fall economic statement; implementation of the National Institute of Standards and Technology (NIST) Standards Strategy Implementation Roadmap; Office of Science and Technology Policies Blueprint for an AI Bill of Rights; semiconductor permitting; FCC auction authority; oversight issues pertaining to the Department of Commerce, FCC, OSTP, and the FTC; algorithmic issues in employment; deployment of subsea cables and the proposed designation of the Chumash Heritage National Marine Sanctuary; national spectrum strategy

Client expense: $14,750,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Natl Aeronautics & Space Administration (NASA), Natl Highway Traffic Safety Administration (NHTSA), Natl Institute of Standards & Technology (NIST), Natl Oceanic & Atmospheric Administration (NOAA), Natl Science Foundation (NSF), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of Science & Technology Policy (OSTP), Patent & Trademark Office (PTO), SENATE, Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, Veterans Affairs, Dept of (VA)

H.R. 9029, Departments of Labor, Health and Human Services, and Education, and Related Agencies Appropriations Act, 2025 S. 1212, Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act of 2023 S. 2767, SSI Savings Penalty Elimination Act S.J.Res 79, Joint Resolution Providing for Congressional Disapproval under Chapter 8 of title 5, United States Code, of the Rule Submitted by the Department of Labor Relating to Retirement Security Rule: Definition of an Investment Advice Fiduciary Draft legislation titled Pension Budget Integrity Act Various issues relating to multiemployer pension plans; the multiemployer pension recapitalization and reform plan (MPRRP); single employer defined contribution plans and defined benefit plans; tax reform and employer-provided retirement plans; Pension Benefit Guaranty Corporation premiums; e-delivery of retirement plan disclosures and notices; funding for single employer pension plans; remote notarization and remote witnessing procedures; brokerage windows in self-directed retirement plans; retirement security for all and defined benefit plan improvements; U.S. Department of Labors review of the definition of investment advice fiduciary; auto-portability of retirement plans; implementation of Internal Revenue Code Section 411(d)(6), relationship to in-service early retirement distributions; implementation and technical corrections of the SECURE 2.0 Act (P.L. 117-328); retirement savings lost and found searchable database as provided for in section 303 of the SECURE 2.0 Act; proposed amendment to Prohibited Transaction Class Exemption 84-14 (the QPAM Exemption) (RIN 1210-ZA07)

Client expense: $14,750,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Pension Benefit Guaranty Corporation (PBGC), SENATE, Treasury, Dept of

Issues related to remote online notarization; electronic signatures; H.R.1059 - SECURE Notarization Act of 2023/S.1212 - SECURE Notarization Act of 2023; Reintroduction of S.3715 - E-SIGN Modernization Act of 2022; and issues related to artificial intelligence.

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to data security and privacy; remote online notarization; and electronic signatures; H.R.1059 - SECURE Notarization Act of 2023/S.1212 - SECURE Notarization Act of 2023; Reintroduction of S.3715 - E-SIGN Modernization Act of 2022; S.1409 - Kids Online Safety Act; and issues related to artificial intelligence.

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 680; the Decent, Affordable, Safe Housing for All Act; proposes to increase affordable rental availability, low-income housing tax credits, first time homebuyer tax credit, and a tax credit to help affordable housing for homeownership. S. 657 / H.R. 3940; Neighborhood Homes Investment Act; the proposed bill would create a tax credit for the acquisition, rehabilitation, or remediation of properties housing. H.R. 3418 & S. 1654; the Credit Access and Inclusion Act; The proposed bill would allow for the reporting of a renters utility payments to credit reporting agencies. H.R. 4233; The Housing Crisis Response Act of 2023: The proposed bill would provide funding to create more housing units. H.R. 4231; The Downpayment Toward Equity Act of 2023: The proposed bill would create a downpayment assistance program for first-time, first-generation homebuyers. C.A.R. discussed with members of Congress and the VA difficulties home sellers and home buyers were experiencing with the mortgage assumability process for FHA and VA loans. C.A.R. discussed with members of Congress the future of Fannie Mae and Freddie Mac, and how they should be brought out of conservatorship. C.A.R. discussed the impact of Home Equity Conversion Mortgages on the FHA Forward Mortgage product because of its inclusion in the Mutual Mortgage Insurance Fund. C.A.R. advocated for the reduction of the FHA mortgage insurance premium. C.A.R. discussed the issue of Affirmatively Furthering Fair Housing. C.A.R. discussed the Administration's "Blueprint for a Renters Bill of Rights." C.A.R. discussed with Member of Congress and Regulators the proposed Loan Level Price Adjustments by the Federal Housing Finance Agency for Fannie Mae and Freddie Mac. C.A.R. discussed proposals to allow for remote online notary, including H.R. 1059 and S. 1212, the Securing and Enabling Commerce Using Remote and Electronic Notarization Act. C.A.R. discussed proposals to improve the HUD's Section 8, housing voucher program to make it easier for housing providers to participate. C.A.R. advocated for increasing funding for HUD to provide grants for the enforcement of fair housing laws. C.A.R. discussed the increased use of Attorney Opinion Letters as an alternative to title insurance. C.A.R. discussed current FHA appraisal and property inspection rules and their impact on FHA loan acceptance rates. C.A.R. discussed current FHA condo rules. C.A.R. advocated for reducing or eliminating the FHA life of loan insurance premium. C.A.R. submitted a comment letter on the Proposed Rule -Notification Requirement for Lease Termination. C.A.R. discussed with members of Congress the ability of Veteran homebuyers using the VA home loan program to pay for the services of a buyer broker or buyer agent fee. C.A.R. submitted a comment letter on the HUD Request for Information FR-6466-N-01, on Direct Rental Assistance Payments.

Client expense: $42,697 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Veterans Affairs, Dept of (VA)

H.R. 1059 - SECURE Remote Online Notarization Act; entire bill H.R. 1165 - Data Privacy Act; entire bill H.R. 1807 - Improving Disclosure for Investors Act of 2023; entire bill H.R. 2622 - to amend the Investment Advisers Act of 1940 to codify certain Securities and Exchange Commission no-action letters that exclude brokers and dealers compensated for certain research services from the definition of investment adviser, and for other purposes; entire bill H.R. 2627 - Increasing Investor Opportunities Act; entire bill H.R. 2799 - the Expanding Access to Capital Act of 2023; entire bill H.R. 3063 - Retirement Fairness for Charities and Educational Institutions Act of 2023; entire bill H.R. 8818 - American Privacy Rights Act of 2024; entire bill S. 1212 - Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act; entire bill S. 3735 - Protecting Innovation in Investment Act; entire bill S. 3815 - Improving Disclosure for Investors Act; entire bill Financial Services General Government Appropriations - SEC rulemaking funding related to liquidity risk management, equity market structure, custody, and predictive data analytics. Congressional Review Act (CRA) resolution regarding the DOLs retirement security rule; entire resolution

Client expense: $270,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to remote online notarization - no specific legislation. H.R.1059 - SECURE Notarization Act of 2023 & the issue of remote online notarization. S.1212 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2023. Monitor issues related to Artificial Intelligence and Remote Identity-Proofing policies - no specific legislation. H.R. 8818 - The American Privacy Rights Act - entire bill.

Client expense: $100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to remote online notarization - no specific legislation. H.R.1059 - SECURE Notarization Act of 2023 & the issue of remote online notarization. S.1212 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2023. Monitor issues related to Artificial Intelligence and Remote Identity-Proofing policies - no specific legislation. H.R. 8818 - The American Privacy Rights Act - entire bill.

Client expense: $100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1059/S. 1212 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2023 (SECURE Notarization Act of 2023). Monitor issues related to Artificial Intelligence and Remote Identity-Proofing policies. Issues related to consumer privacy legislation and artificial intelligence. H.R. 8818 - The American Privacy Rights Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 274 To report on "all-hazards disaster insurance program" -- To require a report by the Comptroller General of the United States on a national all-hazards disaster insurance program. Issue Climate-Related Financial Risk Issue Diversity, Equity, and Inclusion Issue Cybersecurity Issue Data Privacy Issue Role of Private Equity in Insurance Issue Pre-Disaster Mitigation and Resiliency HR 5689 (117th) Resilient AMERICA Act - addresses disaster resilience issues and expands coverage for hazard mitigation. HR 482/S 188 Wildfire Emergency Act - improve Federal activities relating to wildfires HR 906 REPAIR Act - ensure consumers have access to data, repair information, and tools, and to provide them choices for the maintenance, service, and repair of their motor vehicles S 513 Insure Cybersecurity Act of 2023 - establish a working group on cyber insurance, to require dissemination HR 1165 Data Privacy Act of 2023 - amend the Gramm-Leach-Bliley Act to modernize the protection of the nonpublic personal information HR 621/S 154 PART Act - establishes requirements for motor vehicles related to catalytic converters AFT FY24 Appropriations - FY24 Appropriations HR 3799 CHOICE Arrangement Act -- statutory authority for regulations that allow employers to offer individual coverage health reimbursement arrangements DRAFTFarm Bill 2023 - Farm Bill DRAFT Homeowners Defense Act - To ensure the availability and affordability of homeowners insurance coverage for catastrophic events. HR 8152 (117th) American Data Privacy Protection Act - To provide consumers with foundational data privacy rights, create strong oversight mechanisms, and establish meaningful enforcement. HR 1059/S 1212 SECURE Notarization Act -allows a notary public commissioned under state law to remotely notarize electronic records HR 2923/S 1384 Living Donor Protection Act -- prohibits certain insurance carriers from discriminating against, and provides other protections for, living organ donors. HR 3388/S 1607 Repair Abuses of MSP Payments (RAMP) Act - amend Social Security Act to permit a private cause of action for damages in the case of a group health plan which fails to provide for primary payment or appropriate reimbursement. HR 2933 Federal Insurance Office Elimination Act -- To eliminate the Federal Insurance Office of the Department of the Treasury S 1694 Federal Insurance Office Abolishment Act of 2023 -- To eliminate the Federal Insurance Office of the Department of the Treasury HR 3880 PAID Act -- prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility. HR 15/S 5 Equality Act - prohibits discrimination based on sex, sexual orientation, or gender identity with respect to businesses, employment, housing, federally funded programs S 2061Catalytic Converter Theft Task Force Act -- task force to develop and implement strategies to deter, prevent, and combat the theft and trafficking of catalytic converters DRAFTFinancial Services and General Government Appropriation FY24 - FSGG Appropriations HR 3014 - CART Act of 2023-to amend the Internal Revenue Code of 1986 to establish a system for the taxation of catastrophic risk transfer companies to ensure sufficient capital to cover catastrophic insurance losses, and for other purposes Issue: Third Party Litigation Funding

Client expense: $700,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Postal Service (USPS)

Work to keep insurance regulated by the states and not by the Consumer Financial Protection Bureau or set by international bodies. Oppose legislation to repeal the McCarran-Ferguson antitrust exemption for the business of insurance. Advocate for privacy measures in line with GLBA and HIPAA as applied to financial services. Support H.R. 1165, the Data Privacy Act introduced by HFSC Chairman McHenry. Oppose H.R. 8818, the American Privacy Rights Act, which contains a private right of action and does not include federal preemption or an exemption for GLBA.Support legislation of e-signatures, e-disclosures, and e-notarizations, including E-Sign Modernization Act. Support H.R. 1059/S. 1212, the SECURE Notarization Act. Support H.R. 2891/S. 1323/S 2860, the Secure and Fair Enforcement Banking SAFE Act and Secure and Fair Enforcement Regulation Banking (SAFER) Act. This bill generally prohibits a federal regulator from penalizing a financial institution for providing services to a legitimate cannabis-related business.

Client expense: $120,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S 1212 Securing and Enabling Commerce Using Remote and Electronic Notarization Act: Summary in progress. To authorize notaries public to perform, and to establish minimum standards for, electronic notarizations and remote notarizations that occur in or affect interstate commerce, to require any Federal court to recognize notarizations performed by a notarial officer of any State, to require any State to recognize notarizations performed by a notarial officer of any other State when the notarization was performed under or relates to a public Act, record, or judicial proceeding of the notarial officers State or when the notarization occurs in or affects interstate commerce, and for other purposes.

Client expense: $452,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

While MCUL takes no position on the issue of cannabis legalization, it supports the SAFE Banking Act, H.R. 2891/S.1323 and newly introduced legislation, the SAFER Banking Act, S.2860, that would provide a safe harbor for financial institutions to serve their members needs in states where cannabis use has become legal. We are urging our congressional delegation to support S. 2860 and work with leadership to pass it. MCUL stands opposed to efforts to change the existing credit card interchange system by expanding requirements under the so-called Durbin Amendment established under the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. We have been educating our delegation on the importance of the current credit card interchange system with regard to ensuring consumer data remains secure and private and are asking our delegation to oppose S.1838/H.R. 3881, the Credit Card Competition Act of 2023 and help us ensure the bill does not pass. We continue to educate our congressional delegation on voluntary overdraft protection services offered by credit unions and the value our members place on these services. MCUL is opposed to legislation that would severely limit a financial institution's ability to offer these voluntary services to our members. MCUL supports and is calling for passage of H.R. 1059/S.1212, the SECURE Notarization Act that would establish minimum standards for electronic and remote notarization. The bill passed the U.S. House on 2/27/23 and we are urging the U.S. Senate to take it up and pass the bill. We are also educating our delegation on the importance of updating the 20 year old E-sign Act to better reflect how customers can signal their acceptance of electronic transactions. MCUL is monitoring actions by Congress related to recent failures of banks and communicating with Michigan congressional offices that credit unions are structured different from other financial institutions are not part of these failures, credit unions were not part of the banking problems that led to Dodd-Frank in 2010 and therefore any legislation from Congress that seeks to address the problems at the banks should not place added burdens on credit unions. MCUL is urging members of the delegation to co-sponsor S. 544, to provide a 3-year extension of CARES Act provisions related to the Central Liquidity Facility (CLF).

Client expense: $20,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Lobbied on the SECURE Notarization Act (H.R. 1059, S. 1212) to allow a notary public commissioned under state law to remotely notarize electronic records and for states to recognize notarizations performed under the laws of other states. Additionally, the bill allows a notary public to remotely notarize electronic records involving an individual located outside of the United States, subject to certain requirements. Requires U.S. courts and states to recognize notarizations, including remote notarizations of electronic records, that occur in or affect interstate commerce and are performed by a notary public commissioned under the laws of other states.

Client expense: $20,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to remote online notarization - no specific legislation. H.R.1059 - SECURE Notarization Act of 2023 & the issue of remote online notarization. S.1212 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2023. Monitor issues related to Artificial Intelligence and Remote Identity-Proofing policies - no specific legislation.

Client expense: $100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to remote online notarization - no specific legislation. H.R.1059 - SECURE Notarization Act of 2023 & the issue of remote online notarization. S.1212 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2023. Monitor issues related to Artificial Intelligence and Remote Identity-Proofing policies - no specific legislation.

Client expense: $100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

credit union member business lending; credit union field of membership issues including maturity limits for federal credit unions; Fair lending; cannabis banking; Prompt Corrective Action for credit unions and capital reform. Community Development Financial Institutions. Nominations for the CFPB's Credit Union Advisory Council. Expanding Financial Access to Underserved Communities Act; The Expanding Financial Access for Underserved Communities Act, H.R. 582 and S. 610, The Credit Union Board Modernization Act. The Credit Card Competition Act (H.R. 3881, S. 1838); access to liquidity for credit unions; H.R. 4867/S. 539, Veterans Member Business Loan Act; H.R. 4198, Protecting Consumers from Abusive Mortgage Leads Act; H.R. 2798, CFPB Transparency and Accountability Reform Act; S. 610, Board Modernization Act; S. 1212, Secure Notarization Act; Debit Interchange (reg ii), Loan Maturities (H.R. 6933, the Expanding Access to Lending Options Act); Overseas Military Banking Program; CFPB Overdraft Protection Proposed Rule

Client expense: $110,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE, Treasury, Dept of

Credit union and credit union related issues. The Credit Card Competition Act (Senate: S. 1838; House: H.R. 3881); H.R. 4867/S. 539, Veterans Member Business Loan Act; access to liquidity; H.R. 4198, the Protecting Consumers from Abusive Mortgage Leads Act; H.R. 2798, the CFPB Transparency Act; S. 610, the Board Modernization Act; S. 1212, the SECURE Notarization Act; H.R. 6933, Expanding Access to Lending Options Act; H.R. 4198, Protecting Consumers from Abusive Mortgage Leads Act; CFPB's proposed overdraft protection rule

Client expense: $110,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to remote online notarization - no specific legislation. H.R.1059 - SECURE Notarization Act of 2023 & the issue of remote online notarization. S.1212 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2023. Monitor issues related to Artificial Intelligence and Remote Identity-Proofing policies - no specific legislation.

Client expense: $70,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to remote online notarization - no specific legislation. H.R.1059 - SECURE Notarization Act of 2023 & the issue of remote online notarization. S.1212 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2023. Monitor issues related to Artificial Intelligence and Remote Identity-Proofing policies - no specific legislation.

Client expense: $70,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1059 SECURE Notarization Act H.R. 1165 Data Privacy Act of 2023 H.R. 2656 Trigger Leads Abatement Act of 2023 H.R 7297 Homebuyers Privacy Protection Act of 2024 H.R. 4192 Small Business Financing Disclosure Act of 2023 H.R. 4198 Protecting Consumers from Abusive Mortgage Leads Act H.R. 4737 Stop Executive Capture of Banking Regulators Act H.R. 4823 American Financial Institution Regulator Sovereignty and Transparency Act S. 1212 SECURE Notarization Act S. 2021 Small Business Financing Disclosure Act of 2023 S. 3012 Deposit Security Act S. 3502 Homebuyers Privacy Protection Act H.R. 5648 Community Assistance for Recovery and Empowerment Act H.R. 3464 Affordable Homeownership Access Act H.J. Res. 120 Disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Financial Stability Oversight Council (FSOC) relating to "Guidance on Non-Bank Financial Company Determinations Basel endgame rules

Client expense: $900,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R. 742, Telling Everyone the Location of Data Leaving the U.S. (TELL) Act H.R. 750, Chinese-owned Applications Using The Information of Our Nation (CAUTION) Act of 2023 H.R. 784, Internet Application I.D. Act H.R. 1050, Data Science and Literacy Act H.R. 1165, Data Privacy Act of 2023 H.R. 1341, Spectrum Coordination Act H.R. 3369, Artificial Intelligence Accountability Act H.R. 3459/S. 307, Increasing Competitiveness for American Drones Act of 2023 H.R. 3557, American Broadband Deployment Act of 2023 H.R. 4814, Consumer Safety Technology Act H.R. 5527, Modernizing Government Technology (MGT) Reform Act of 2023 H.R. 5628/S. 2892, Algorithmic Accountability Act H.R. 6929/S. 3565, Affordable Connectivity Program Extension Act of 2024 H.R. 7116, Do Not Disturb Act H.R. 7520, Protecting Americans Data from Foreign Adversaries Act of 2024 H.R. 7532, Federal AI Governance and Transparency Act H.R. 8070, Servicemember Quality of Life Improvement and National Defense Authorization Act for Fiscal Year 2025 H.R. 8315, Enhancing National Frameworks for Overseas Critical Export Act (ENFORCE Act) H.R. 8773, Financial Services and General Government Appropriations Act, 2025 S. 931, Strengthening Agency Management and Oversight of Software Assets Act S. 1094, Journalism Competition and Preservation Act (JCPA) of 2023 S. 1212, Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act S. 1409, Kids Online Safety Act S. 1418, Children and Teens Online Privacy Protection Act S. 1671, Digital Platform Commission Act S. 1865, Transparent Automated Governance Act S. 1873, Global Technology Leadership Act S. 1993, No Section 230 immunity in AI Act S. 2032 Legacy IT Reduction Act of 2023 S. 2321, Commerce, Justice, Science, and Related Agencies Appropriations Act, 2024 S. 3312, Artificial Intelligence (AI) Research, Innovation, and Accountability Act of 2023 S. 3565, Affordable Connectivity Program Extension Act of 2024 S. 3849, Promoting United States Leadership in Standards Act of 2024 S. 4178, Future of AI Innovation Act S. 4207, Spectrum and National Security Act of 2024 S. 4495, Promoting Responsible Evaluation and Procurement to Advance Readiness for Enterprise-wide Deployment (PREPARED) for AI Act H.J.Res. 100 / S.J.Res.50, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Securities and Exchange Commission relating to Cybersecurity Risk Management, Strategy, Governance, and Incident Disclosure H.J.Res. 107 / S.J.Res. 64, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Federal Communications Commission relating to "The Infrastructure Investment and Jobs Act: Prevention and Elimination of Digital Discrimination" H.J.Res. 153, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Federal Communications Commission relating to Safeguarding and Securing the Open Internet; Restoring Internet Freedom Draft legislation titled American Data Privacy and Protection Act (ADPPA) Draft legislation titled, American Privacy Rights Act (APRA) Draft legislation titled FTC Procedural Reform Draft legislation on platform transparency Draft legislation on improvements to the Paperwork Reduction Act Draft legislation around collection and sharing of government data Draft legislation around deepfakes Draft legislation on reforming the Universal Service Fund Draft legislation to reform the Affordable Connectivity Program Draft legislation to sunset Section 230 of the Communications Act of 1934 Potential Foreign Intelligence Surveillance Act legislation Potential legislation related to the American Data Privacy Protection Act Potential legislation related to Artificial Intelligence Potential legislation related to foreign robocalls Petition for Reconsideration. Federal Communications Commission; Petitions for Reconsideration of Action in Rulemaking Proceeding (89 Fed. Reg. 5,451, January 29, 2024) Proposed Rule, Federal Communications Commission; Promoting Competition in the American Economy: Cable Operator and DBS Provider Billing Practices (89 Fed. Reg 740-747, January 5, 2024) Proposed Rule, Federal Trade Commission; Children's Online Privacy Protection Rule (89 Fed. Reg. 2,034-2,076, January 11, 2024) Proposed Rule, National Security Division, Department of Justice; Provisions Pertaining to Preventing Access to Americans Bulk Sensitive Personal Data and U.S. Government-Related Data by Countries of Concern (89 Fed. Reg. 15,780- 15,802, March 5, 2024) Proposed Rule, Bureau of Industry and Security, Department of Commerce; Taking Additional Steps To address the National Emergency with Respect to Significant Malicious Cyber-Enabled Activities (89 Fed. Reg. 5,698- 5,735, January 29, 2024) Request for Information (RFI), National Institute of Standards and Technology (NIST); NIST's Assignments Under Sections 4.1, 4.5 and 11 of the Executive Order Concerning Artificial Intelligence (Sections 4.1, 4.5, and 11) (88 Fed. Reg. 88,368-88,370, December 21, 2023) Request for Information, Office of Management and Budget; Responsible Procurement of Artificial Intelligence in Government (89 FR 22,196-22,197, March 29, 2024) Notice of Proposed Rulemaking at the Federal Communications Commission; Cybersecurity Labeling for Internet of Things (88 Fed. Reg. 58,211-58,222, August 8, 2023) Childrens Online Privacy Protection Rule Update (89 Fed. Reg. 2,034-2,076, Jan. 11, 2024) Notice of Proposed Rulemaking at the Federal Communications Commission, Safeguarding and Securing the Open Internet (88 Fed. Reg. 76,048-76,096, November 3, 2023) Advanced Notice of Proposed Rulemaking at the Federal Trade Commission on Commercial Surveillance (87 Fed. Reg. 51,273-51,299, August 8, 2022) Potential regulation related to Improving Competitive Broadband Access to Multiple Tenant Environments (87 Fed. Reg. 17,181-17,194, March 28, 2022) Proposed Rulemaking Concerning the Protection of Consumers From SIM Swap and Port-Out Fraud (88 Fed. Reg. 86,614-86,621, February 14, 2023) Various issues relating to expanding access to high-speed broadband internet service; broadband infrastructure and deployment, including permitting reform; nominations at the Federal Trade Commission (FTC); technology and economic relief; intermediary liability; potential federal privacy legislation; facial recognition technology; net neutrality; internet of things (IoT) devices; digital trade; intellectual property; World Intellectual Property Organization activities; artificial intelligence regulation, standards, research, and development; robocalls and the Telephone Consumer Protection Act (TCPA) (P.L. 102-243); implementation of the Childrens Online Privacy Protection Act (P.L. 105-277); implementation of the American Rescue Plan including provisions relating to the Technology Modernization Fund (P.L. 117-2); implementation of Clarifying Lawful Overseas Use of Data (CLOUD) Act (P.L. 115-141); implementation of the OPEN Government Data Act (P.L. 115-435); implementation of the CHIPS for America Act, enacted as part of the FY2020 National Defense Authorization Act (P.L. 116-92); implementation of the National Artificial Intelligence Act, enacted as part of the FY2021 National Defense Authorization Act (P.L. 116-283); implementation of the Drivers Privacy Protection Act (P.L. 103-322); implementation of the Infrastructure Investment and Jobs Act (P.L. 117-58); implementation of the Creating Helpful Incentives to Produce Semiconductors (CHIPS) and Science Act, (P.L. 117-167), including provisions relating to stock buybacks; implementation of the Department of Commerces semiconductor incentives program funded by the CHIPS and Science Act (P.L. 117-167); implementation of the National Artificial Intelligence Research Resource (NAIRR) Task Force Authorization, enacted as part of the National Artificial Intelligence Initiative Act of 2020 (P.L.116-283); appropriating funding for the Public Wireless Supply Chain Fund and the Multilateral Telecommunications Security Fund; increased technology modernization funding for FY24; Executive Order 13859, Maintaining American Leadership in Artificial Intelligence; Executive Order 13984, Taking Additional Steps to Address the National Emergency with Respect to Significant Malicious Cyber-Enabled Activities; Executive Order 14017, Executive Order on America's Supply Chains; Executive Order 14110 Safe, Secure, and Trustworthy Development and Use of AI; Consumer Cybersecurity Labeling Pilots; Feedback to NIST on AI Risk Management; Future of the FCC Universal Service Fund; European Unions Artificial Intelligence Act; FTC enforcement; potential Executive Order on identity theft; Technology Modernization Fund in Financial Services and General Government proposed appropriations legislation; appropriations for the Federal Trade Commission; draft National Institute of Standards and Technology (NIST) guidance on Federal Internet of Things Device Cybersecurity; security criteria for Internet of Things (IoT) Devices; draft Consumer Software Labeling Criteria; modernization of IT services for Congress; the Administrations Counter Unmanned Aircraft Systems (UAS) Action Plan; use of third-party messaging apps by corporate employees; NIST Cybersecurity Framework 2.0 concept paper, Potential Significant Updates to the Cybersecurity Framework; implementation of the International Technology Security and Innovation Fund (ITSI Fund) Federal Trade Commission activities, including hearings on competition and consumer protection, franchise rule and earnings rule; Solicitation for Public Comments on the Business Practices of Cloud Computing Providers (Docket ID FTC-2023-0028); Notice and Request for Comments; Limited General Applicability Nonavailability Waiver of the Buy America Domestic Content Procurement Preference as Applied to Recipients of Broadband Equity, Access, and Deployment Program; use of artificial intelligence in CFTC-regulated markets; support for a robust global framework for facilitation of digital trade; Canada Digital Services Tax - C-59, An Act to implement certain provisions of the fall economic statement; Office of Science and Technology Policies Blueprint for an AI Bill of Rights; semiconductor permitting; FCC auction authority; oversight issues pertaining to the Department of Commerce, FCC, OSTP, and the FTC; algorithmic issues in employment; deployment of subsea cables and the proposed designation of the Chumash Heritage National Marine Sanctuary; national spectrum strategy; quantum computing; Petition for Clarification and Declaratory Ruling of Mark W. Dobronski under the Telephone Consumer protection Act

Client expense: $13,930,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Bureau of Industry and Security (BIS), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Natl Aeronautics & Space Administration (NASA), Natl Highway Traffic Safety Administration (NHTSA), Natl Institute of Standards & Technology (NIST), Natl Oceanic & Atmospheric Administration (NOAA), Natl Science Foundation (NSF), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of Science & Technology Policy (OSTP), Patent & Trademark Office (PTO), SENATE, Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, Veterans Affairs, Dept of (VA)

H.R. 7293, Automatic IRA Act of 2024 S. 1212, Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act of 2023 S. 2767, SSI Savings Penalty Elimination Act S.J.Res 79, Joint Resolution Providing for Congressional Disapproval under Chapter 8 of title 5, United States Code, of the Rule Submitted by the Department of Labor Relating to Retirement Security Rule: Definition of an Investment Advice Fiduciary Draft legislation titled Fiscal Year 2025 Labor, Health and Human Services, Education, and Related Agencies Appropriations Act Draft legislation titled Pension Budget Integrity Act Notice of Proposed Rulemaking, Internal Revenue Service (IRS), Treasury; Long-Term, Part-Time Employee Rules for Cash or Deferred Arrangements Under Section 401(k) (88 Fed. Reg. 82,796-82,817, November 27, 2023) Various issues relating to multiemployer pension plans; the multiemployer pension recapitalization and reform plan (MPRRP); single employer defined contribution plans and defined benefit plans; fiduciary investment duties and fiduciary status; e-delivery of retirement plan disclosures and notices; funding for single employer pension plans; remote notarization and remote witnessing procedures; brokerage windows in self-directed retirement plans; retirement security for all and defined benefit plan improvements; U.S. Department of Labors review of the definition of investment advice fiduciary; auto-portability of retirement plans; implementation of Internal Revenue Code Section 411(d)(6), relationship to in-service early retirement distributions; implementation and technical corrections of the SECURE 2.0 Act (P.L. 117-328); retirement savings lost and found searchable database as provided for in section 303 of the SECURE 2.0 Act; proposed amendment to Prohibited Transaction Class Exemption 84-14 (the QPAM Exemption) (RIN 1210-ZA07)

Client expense: $13,930,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Pension Benefit Guaranty Corporation (PBGC), SENATE, Treasury, Dept of

General Data Privacy;  H.R. 1059 and S. 1212, SECURE Notarization Act;  H.R. 1165, Data Privacy Act of 2023; General Broadband Issues, General Artificial Intelligence Issues; H.R. 8818, American Data Privacy and Protection Act

Client expense: $500,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to data security and privacy; remote online notarization; and electronic signatures; H.R.1059 - SECURE Notarization Act of 2023/S.1212 - SECURE Notarization Act of 2023; Reintroduction of S.3715 - E-SIGN Modernization Act of 2022; S.1409 - Kids Online Safety Act; and issues related to artificial intelligence.

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to remote online notarization; electronic signatures; H.R.1059 - SECURE Notarization Act of 2023/S.1212 - SECURE Notarization Act of 2023; Reintroduction of S.3715 - E-SIGN Modernization Act of 2022; and issues related to artificial intelligence.

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1059 - SECURE Remote Online Notarization Act; entire bill H.R. 1165 - Data Privacy Act; entire bill H.R. 1807 - Improving Disclosure for Investors Act of 2023; entire bill H.R. 2622 - to amend the Investment Advisers Act of 1940 to codify certain Securities and Exchange Commission no-action letters that exclude brokers and dealers compensated for certain research services from the definition of investment adviser, and for other purposes; entire bill H.R. 2627 - Increasing Investor Opportunities Act; entire bill H.R. 2799 - the Expanding Access to Capital Act of 2023; entire bill H.R. 3063 - Retirement Fairness for Charities and Educational Institutions Act of 2023; entire bill H.R. 8818 - American Privacy Rights Act of 2024; entire bill S. 1212 - Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act; entire bill S. 3735 - Protecting Innovation in Investment Act; entire bill S. 3815 - Improving Disclosure for Investors Act; entire bill Financial Services General Government Appropriations - SEC rulemaking funding related to liquidity risk management, equity market structure, custody, and predictive data analytics. Congressional Review Act (CRA) resolution regarding the DOLs retirement security rule; entire resolution

Client expense: $230,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 274 To report on "all-hazards disaster insurance program" -- To require a report by the Comptroller General of the United States on a national all-hazards disaster insurance program. Issue Climate-Related Financial Risk Issue Diversity, Equity, and Inclusion Issue Cybersecurity Issue Data Privacy Issue Role of Private Equity in Insurance Issue Pre-Disaster Mitigation and Resiliency HR 5689 (117th) Resilient AMERICA Act - addresses disaster resilience issues and expands coverage for hazard mitigation. HR 482/S 188 Wildfire Emergency Act - improve Federal activities relating to wildfires HR 906 REPAIR Act - ensure consumers have access to data, repair information, and tools, and to provide them choices for the maintenance, service, and repair of their motor vehicles S 513 Insure Cybersecurity Act of 2023 - establish a working group on cyber insurance, to require dissemination HR 1165 Data Privacy Act of 2023 - amend the Gramm-Leach-Bliley Act to modernize the protection of the nonpublic personal information HR 621/S 154 PART Act - establishes requirements for motor vehicles related to catalytic converters AFT FY24 Appropriations - FY24 Appropriations HR 3799 CHOICE Arrangement Act -- statutory authority for regulations that allow employers to offer individual coverage health reimbursement arrangements DRAFTFarm Bill 2023 - Farm Bill DRAFT Homeowners Defense Act - To ensure the availability and affordability of homeowners insurance coverage for catastrophic events. HR 8152 (117th) American Data Privacy Protection Act - To provide consumers with foundational data privacy rights, create strong oversight mechanisms, and establish meaningful enforcement. HR 1059/S 1212 SECURE Notarization Act -allows a notary public commissioned under state law to remotely notarize electronic records HR 2923/S 1384 Living Donor Protection Act -- prohibits certain insurance carriers from discriminating against, and provides other protections for, living organ donors. HR 3388/S 1607 Repair Abuses of MSP Payments (RAMP) Act - amend Social Security Act to permit a private cause of action for damages in the case of a group health plan which fails to provide for primary payment or appropriate reimbursement. HR 2933 Federal Insurance Office Elimination Act -- To eliminate the Federal Insurance Office of the Department of the Treasury S 1694 Federal Insurance Office Abolishment Act of 2023 -- To eliminate the Federal Insurance Office of the Department of the Treasury HR 3880 PAID Act -- prohibit private passenger automobile insurers from using certain income proxies to determine insurance rates and eligibility. HR 15/S 5 Equality Act - prohibits discrimination based on sex, sexual orientation, or gender identity with respect to businesses, employment, housing, federally funded programs S 2061Catalytic Converter Theft Task Force Act -- task force to develop and implement strategies to deter, prevent, and combat the theft and trafficking of catalytic converters DRAFTFinancial Services and General Government Appropriation FY24 - FSGG Appropriations

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Postal Service (USPS)