REGINA DILLARD

H.R. 1304, the American Innovation and R&D Competitiveness Act of 2021 (H.R. 1304/S. 749), related to insurance industry research and development. General tax issues related to property and casualty insurance provisions (e.g., discounting for loss reserving, proration rules, life/non-life consolidation rules, and net operating loss carryback and carryforward rules).

Postal reform, generally as it relates to the delivery and rate of postal mail.

The Protecting the Right to Organize Act of 2021 (H.R. 842/S. 420) concerning, among other things, the definition of employee and joint employer.

Discussion with House and Senate staff on autonomous vehicle technologies and related regulatory issues and potential impact for various businesses and the public in general (e.g. Federal Automated Vehicles policy). Unmanned aircraft systems, related to FAA waivers. The SAFE TO DRIVE Act of 2021 (H.R. 762/S.195), related to distracted driving safety grants.

The PAID Act (H.R. 1375/S.1989, as enacted in Sec. 1301 of Pub. L. No. 116-215), related to the coordination of benefits and recovery process between primary and secondary payers.

Issues related to federal data security and breach notification standards for insurance and financial institutions, including Senator Wicker's discussion draft of the U.S. Consumer Data Privacy Act of 2019; S 2968, the Consumer Online Privacy Rights Act, and the House Energy and Commerce Committee's bipartisan staff-level draft privacy bill (discussion draft) released on 12/18/19. Information Transparency and Personal Data Control Act, related to creating a national consumer data privacy standard.

Seek lawmaker engagement to secure recognition of U.S. system of insurance in any international forum pursuing standards of insurance regulation Lobby to insure that any insurance capital standard developed at the International Association of Insurance Supervisors recognizes the U.S. system of insurance as satisfying such standard. The CLAIM Act (H.R. 4037) related to the uniformity and reciprocity among states that license insurance claims adjusters and to the prompt and efficient adjusting of insurance claims. Reauthorization of the Terrorism Risk Insurance Act, which was signed into law under the Further Consolidated Appropriations Act, 2020 (P.L. 116-94). The Protecting Your Credit Score Act of 2019 (H.R. 5332) and the Preventing Credit Score Discrimination in Auto Insurance Act (H.R. 1756) as they relate to factors used in insurance underwriting.

Discussion with House and Senate staff on autonomous vehicle technologies and related regulatory issues and potential impact for various businesses and public in general (e.g. Federal Automated Vehicles policy). FY2020 Transportation, Housing, and Urban Development Appropriations, related to funding of distracted driving prevention grants authorized by the Fixing America's Surface Transportation (FAST) Act. Educated House and Senate staff on the impacts of drug-impaired driving from an insurance perspective. The Hot Cars Act of 2019 (H.R. 3593) related to detecting the presence of an occupant in a rear designated seating position after the vehicle engine is turned off.

The Protecting the Right to Organize Act of 2019 (H.R. 2474/S. 1306) concerning, among other things, the definition of employee and joint employer.

The PAID Act (H.R. 1375/S. 1989) related to the coordination of benefits and recovery process between primary and secondary payers.

Discussion with House and Senate staff on autonomous vehicle technologies and related regulatory issues and potential impact for various businesses and public in general (e.g. Federal Automated Vehicles policy). FY2020 Transportation, Housing, and Urban Development Appropriations, related to funding of distracted driving prevention grants authorized by the Fixing America's Surface Transportation (FAST) Act.

Issues related to standards of conduct for investment advisers and brokers and dealers and their associated persons. Treasury and IRS final regulations (84 FR 27947) related to the modification of discounting rules for insurance companies. Communications related to diversity and inclusion.

Seek lawmaker engagement to secure recognition of U.S. system of insurance in any forum pursuing standards of insurance regulation Lobby to insure that any insurance capital standard developed at the International Association of Insurance Supervisors recognizes the U.S. system of insurance as satisfying such standard. The CLAIM Act (H.R. 4037) related to the uniformity and reciprocity among states that license insurance claims adjusters and to the prompt and efficient adjusting of insurance claims.

Issues related to standards of conduct for investment advisers and brokers and dealers and their associated persons. Treasury and IRS final regulations (84 FR 27947) related to the modification of discounting rules for insurance companies.

Implementation and modification of P.L. 111-203, the Dodd-Frank Wall Street Reform and Consumer Protection Act. P.L. 113-279 and the Insurance Capital Standards Clarification Act of 2014, whose provisions related to, among other things, capital and accounting standards regulation for insurance-based savings and loan holding companies and insurers. Monitoring development of regulatory reform legislation for banks, and insurers, including reform efforts impacting the thrift charter and treatment of brokered deposits. H.R. 907, to clarify the treatment of bank deposits generated through exclusive arrangement with independent contractor agents. Issues related to federal data security and breach notification standards for insurance and financial institutions.

Issues with access to publicly available National Weather Service reports and data.

Discussion with House and Senate staff on autonomous vehicle technologies and related regulatory issues and potential impact for various businesses and public in general (e.g. Federal Automated Vehicles policy). FY2020 Transportation, Housing, and Urban Development Appropriations, related to funding of distracted driving prevention grants authorized by the Fixing America's Surface Transportation (FAST) Act.

Postal reform legislation as it related to the delivery and rate of postal mail.

Covered agreement between the United States and the European Union with respect to group supervision, reinsurance, and the exchange of information between supervisory authorities. H.R. 4537 - International Insurance Standards Act of 2017. H.R. 3363 - CLAIM Act - to reform uniformity and reciprocity among states that license insurance claims adjusters and to facilitate prompt and efficient adjusting of insurance claims and for other purposes. S. 488 Jobs and Investor Confidence Act of 2018, related to international capital standards for insurers.

Discussion with House and Senate staff on autonomous vehicle technologies and related regulatory issues and potential impact for various businesses and public in general (e.g., Federal Automated Vehicles policy). S. 1885 The AV START Act and H.R. 3388 - SELFDRIVE Act-related to data access issues.

Implementation and modification of P.L. 111-203, the Dodd-Frank Wall Street Reform and Consumer Protection Act. P.L. 113-279 and the Insurance Capital Standards Clarification Act of 2014, whose provisions relate to, among other things, capital and accounting standards regulation for insurance-based savings and loan holding companies and insurers. Monitoring development of regulatory reform legislation for banks, and insurers, including reform efforts impacting the thrift charter and treatment of brokered deposits. CHOICE Act, H.R. 10 H.R. 3746 - Business of Insurance Regulatory Reform Act clarifies limitations and exceptions as to jurisdiction of the CFPB in regulating the business of insurance. H.R. 3861 - Federal Insurance Reform Act of 2017, related to the role and responsibilities of the Federal Insurance Office. H.R. 3762 - International Insurance Standards Act of 2017 - related to the process governing U.S. participation in International accords impacting the business of insurance. H.R. 4537, S. 1360 - International Insurance Capital Standards Accountability Act of 2017 H.R. 5059 - State Insurance Regulation Preservation Act. H.R. 6686 - Clarification surrounding treatment of bank deposits generated through exclusive arrangement with independent contractor agents. S. 488 - JOBS 3.0, which contains provisions relating to international agreements impacting insurance. H.R. 6743 - Consumer Information Notification Requirement Act related to amending the Graham-Leach-Bliley Act to create federal data security and breach notification standards for financial institutions. State insurance commissioners would enforce these standards for insurers and the state existing patchwork of state regulations would be preempted.

Issues related to standards of conduct for investment advisers and brokers and dealers and their associated persons.

Issues related to standards of conduct for investment advisers and brokers and dealers and their associated persons.

H.R. 2874, H.R. 2868; H.R. 2875; H.R. 1558; H.R. 1422; H.R. 2246; H.R. 2565 - Legislation relating to reauthorization of the National Flood Insurance Program (NFIP). H.R. 302 - Disaster Recovery Reform Act (DRRA) - Legislation to improve pre-disaster planning and mitigation.

Covered agreement between the United States and the European Union with respect to group supervision, reinsurance, and the exchange of information between supervisory authorities. H.R. 4537 - International Insurance Standards Act of 2017. H.R. 3363 - CLAIM Act - to reform uniformity and reciprocity among states that license insurance claims adjusters and to facilitate prompt and efficient adjusting of insurance claims and for other purposes. S. 488 Jobs and Investor Confidence Act of 2018, related to international capital standards for insurers.

Implementation and modification of P.L. 111-203, the Dodd-Frank Wall Street Reform and Consumer Protection Act. P.L. 113-279 and the Insurance Capital Standards Clarification Act of 2014, whose provisions relate to, among other things, capital and accounting standards regulation for insurance-based savings and loan holding companies under the Collins Amendment of the Dodd-Frank Act, as well as incentive-based compensation. Monitoring development of regulatory reform legislation for banks, including reform efforts impacting the thrift charter and treatment of brokered deposits. CHOICE Act, H.R. 10 H.R. 3746 - Business of Insurance Regulatory Reform Act clarifies limitations and exceptions as to jurisdiction of the CFPB in regulating the business of insurance. H.R. 3861 - Federal Insurance Reform Act of 2017, related to the role and responsibilities of the Federal Insurance Office. H.R. 3762 - International Insurance Standards Act of 2017 - related to the process governing U.S. participation in International accords impacting the business of insurance. H.R. 4537, S. 1360 - International Insurance Capital Standards Accountability Act of 2017 S. 2155 - The Economic Growth, Regulatory Relief and Consumer Protection Act. H.R. 5059 - State Insurance Regulation Preservation Act. H.R. 6686 - Clarification surrounding treatment of bank deposits generated through exclusive arrangement with independent contractor agents. H.R. 6743 - Consumer Information Notification Requirement Act related to amending the Graham-Leach-Bliley Act to create federal data security and breach notification standards for financial institutions. State insurance commissioners would enforce these standards for insurers and the state existing patchwork of state regulations would be preempted.

Implementation and modification of P.L. 111-203, the Dodd-Frank Wall Street Reform and Consumer Protection Act. P.L. 113-279 and the Insurance Capital Standards Clarification Act of 2014, whose provisions relate to, among other things, capital and accounting standards regulation for insurance-based savings and loan holding companies under the Collins Amendment of the Dodd-Frank Act, as well as incentive-based compensation. Monitoring development of regulatory reform legislation for banks, including reform efforts impacting the thrift charter and treatment of brokered deposits. CHOICE Act, H.R. 10 H.R. 3746 - Business of Insurance Regulatory Reform Act clarifies limitations and exceptions as to jurisdiction of the CFPB in regulating the business of insurance. H.R. 3861 - Federal Insurance Reform Act of 2017, related to the role and responsibilities of the Federal Insurance Office. H.R. 3762 - International Insurance Standards Act of 2017 - related to the process governing U.S. participation in International accords impacting the business of insurance. H.R. 4537, S. 1360 - International Insurance Capital Standards Accountability Act of 2017 S. 2155 - The Economic Growth, Regulatory Relief and Consumer Protection Act. H.R. 5059 - State Insurance Regulation Preservation Act.

General discussion on P&C and life insurance taxation issues, such as, net operating loss carrybacks and carry forwards, loss reserve deduction, and proration rules; H.R. 1393/S. 540, the Mobile Workforce State Income Tax Simplification Act of 2017, related to state payroll taxes when workers earn income while working in a different state. H.R. 2181, Insurance Company Tax Modernization and Parity Act of 2017 - Legislation that would repeal the life/non-life consolidation rules. H.R. 1 - Tax Cuts and Jobs Act.

"PASS Act of 2017" (H.R. 3857) - related to standards of conduct for brokers and dealers (or registered representatives).

Postal reform legislation as it relates to the delivery and rates of postal mail, including H.R. 756 and S. 2629 - The Postal Service Reform Act of 2017, as well as the appointment of governors to the USPS Board of Governors.

Issues related to standards of conduct for investment advisers and brokers and dealers and their associated persons.

H.R. 756, S. 2629, the Postal Service Reform Act of 2017, related to the delivery and rates of postal mail, as well as the appointment of governors to the USPS Board of Governors.

Discussion with House and Senate staff on autonomous vehicle technologies and related regulatory issues and potential impact for various business and public in general (e.g., Federal Automated Vehicles policy). S. 1885, the AV START Act, and H.R. 3388, the SELFDRIVE Act, related to data access issues.

H.R. 2874, H.R. 2868; H.R. 2875; H.R. 1558; H.R. 1422; H.R. 2246; H.R. 2565, related to the reauthorization of the National Flood Insurance Program (NFIP). H.R. 4460, the Disaster Recovery Reform Act (DRRA), related to pre-disaster planning and mitigation.

Covered agreement between the United States and the European Union with respect to group supervision, reinsurance, and the exchange of information between supervisory authorities. H.R. 4537, S. 1360, International Insurance Standards Act of 2017. H.R. 3363, the CLAIM Act, related to uniformity and reciprocity among states that license insurance claims adjusters and to facilitate prompt and efficient adjusting of insurance claims and for other purposes. H.R. 6258, the Financial Services and General Government Appropriations Act of 2019, related to state-based regulation of insurance. H.R. 5059, the State Insurance Regulation Preservation Act, related to Federal Reserve Board tailoring to ISLHC regulation to the business of insurance.

General discussion on P&C and life insurance taxation issues, such as, net operating loss carrybacks and carry forwards, loss reserve deduction, and proration rules; H.R. 1393/S. 540, the Mobile Workforce State Income Tax Simplification Act of 2017, related to state payroll taxes when workers earn income while working in a different state. H.R. 2181, Insurance Company Tax Modernization and Parity Act of 2017 - Legislation that would repeal the life/non-life consolidation rules. H.R. 1 - Tax Cuts and Jobs Act.

Implementation and modification of P.L. 111-203, the Dodd-Frank Wall Street Reform and Consumer Protection Act. P.L. 113-279 and the Insurance Capital Standards Clarification Act of 2014, whose provisions relate to, among other things, capital and accounting standards regulation for insurance-based savings and loan holding companies under the Collins Amendment of the Dodd-Frank Act, as well as incentive-based compensation. Monitoring development of regulatory reform legislation for banks, including reform efforts impacting the thrift charter and treatment of brokered deposits. CHOICE Act, H.R. 10 H.R. 3746 - Business of Insurance Regulatory Reform Act clarifies limitations and exceptions as to jurisdiction of the CFPB in regulating the business of insurance. H.R. 3861 - Federal Insurance Reform Act of 2017, related to the role and responsibilities of the Federal Insurance Office. H.R. 3762 - International Insurance Standards Act of 2017 - related to the process governing U.S. participation in International accords impacting the business of insurance. H.R. 4537, S. 1360 - International Insurance Capital Standards Accountability Act of 2017 S. 2155 - The Economic Growth, Regulatory Relief and Consumer Protection Act. H.R. 5059 - State Insurance Regulation Preservation Act.

Covered agreement between the United States and the European Union with respect to group supervision, reinsurance, and the exchange of information between supervisory authorities. H.R. 4537 - International Insurance Standards Act of 2017. H.R. 3363 - CLAIM Act - to reform uniformity and reciprocity among states that license insurance claims adjusters and to facilitate prompt and efficient adjusting of insurance claims and for other purposes.

Postal reform legislation as it relates to the delivery and rates of postal mail, including H.R. 756 and S. 2629 - The Postal Service Reform Act of 2017, as well as the appointment of governors to the USPS Board of Governors.

"PASS Act of 2017" (H.R. 3857) - related to standards of conduct for brokers and dealers (or registered representatives).

Implementation and modification of P.L. 111-203, the Dodd-Frank Wall Street Reform and Consumer Protection Act. P.L. 113-279 and the Insurance Capital Standards Clarification Act of 2014, whose provisions relate to, among other things, capital and accounting standards regulation for insurance-based savings and loan holding companies under the Collins Amendment of the Dodd-Frank Act, as well as incentive-based compensation. Monitoring development of regulatory reform legislation for banks, including reform efforts impacting the thrift charter and treatment of brokered deposits. CHOICE Act, H.R. 10 H.R. 3746 - Business of Insurance Regulatory Reform Act clarifies limitations and exceptions as to jurisdiction of the CFPB in regulating the business of insurance. H.R. 3861 - Federal Insurance Reform Act of 2017, related to the role and responsibilities of the Federal Insurance Office. H.R. 3762 - International Insurance Standards Act of 2017 - related to the process governing U.S. participation in International accords impacting the business of insurance. H.R. 4537, S. 1360 - International Insurance Capital Standards Accountability Act of 2017 S. 2155 - The Economic Growth, Regulatory Relief and Consumer Protection Act.

Postal reform legislation as it relates to the delivery and rates of postal mail, including H.R. 756 - The Postal Reform Act of 2017, as well as the appointment of governors to the USPS Board of Governors.

H.R. 2874, H.R. 2868; H.R. 2875; H.R. 1558; H.R. 1422; H.R. 2246; H.R. 2565 - Legislation relating to reauthorization of the National Flood Insurance Program (NFIP). H.R. 4460 - Disaster Recovery Reform Act (DRRA) - Legislation to improve pre-disaster planning and mitigation.

Joint Advance Notice of Proposed Rulemaking (Fed Reserve, OCC & FDIC) re enhanced cyber risk management standards. Fed Docket No. R-XXXX and RIN 7100-AD16; OCC Docket ID OCC-2016-0016, FDIC RIN 3064-AE45.

H.R. 2997, (Title) - related to reauthorization of federal aviation programs and the treatment of unmanned aerial systems (drones)

Implementation and modification of P.L. 111-203, the Dodd-Frank Wall Street Reform and Consumer Protection Act. P.L. 113-279 and the Insurance Capital Standards Clarification Act of 2014, whose provisions relate to, among other things, capital and accounting standards regulation for insurance-based savings and loan holding companies under the Collins Amendment of the Dodd-Frank Act, as well as incentive-based compensation. Monitoring development of regulatory reform legislation for banks, including reform efforts impacting the thrift charter and treatment of brokered deposits. CHOICE Act, H.R. 10 H.R. 3746 - Business of Insurance Regulatory Reform Act clarifies limitations and exceptions as to jurisdiction of the CFPB in regulating the business of insurance. H.R. 3861 - Federal Insurance Reform Act of 2017, related to the role and responsibilities of the Federal Insurance Office. H.R. 3762 - International Insurance Standards Act of 2017 - related to the process governing U.S. participation in International accords impacting the business of insurance.

Covered agreement between the United States and the European Union with respect to group supervision, reinsurance, and the exchange of information between supervisory authorities.

Discussion with House and Senate staff on autonomous vehicle technologies and related regulatory issues and potential impact for various business and public in general (e.g., Federal Automated Vehicles policy). S. 1885 The AV START Act and H.R. 3388 (SELFDRIVE Act) related to data access issues.

Postal reform legislation as it relates to the delivery and rates of postal mail, including H.R. 756 - The Postal Reform Act of 2017.

H.R. 2874, H.R. 2868; H.R. 2875; H.R. 1558; H.R. 1422; H.R. 2246; H.R. 2565 - Legislation relating to reauthorization of the National Flood Insurance Program (NFIP).

Implementation and modification of P.L. 111-203, the Dodd-Frank Wall Street Reform and Consumer Protection Act. P.L. 113-279 and the Insurance Capital Standards Clarification Act of 2014, whose provisions relate to, among other things, capital and accounting standards regulation for insurance-based savings and loan holding companies under the Collins Amendment of the Dodd-Frank Act, as well as incentive-based compensation. Monitoring development of regulation reform legislation for banks, including reform efforts impacting the thrift charter and treatment of brokered deposits. CHOICE Act, H.R. 10

Joint Advance Notice of Proposed Rulemaking (Fed Reserve, OCC & FDIC) re enhanced cyber risk management standards. Fed Docket No. R-XXXX and RIN 7100-AD16; OCC Docket ID OCC-2016-0016, FDIC RIN 3064-AE45.

Discussion with House and Senate staff on autonomous vehicle technologies and related regulatory issues and potential impact for various business and public in general (e.g., Federal Automated Vehicles policy).

Postal reform legislation as it relates to the delivery and rates of postal mail, including H.R. 756 - The Postal Reform Act of 2017.

Covered agreement between the United States and the European Union with respect to group supervision, reinsurance, and the exchange of information between supervisory authorities.

General discussion on P&C and life insurance taxation issues, such as, net operating loss carrybacks and carry forwards, loss reserve deduction, and proration rules; H.R. 1393/S. 540, the Mobile Workforce State Income Tax Simplification Act of 2017, related to state payroll taxes when workers earn income while working in a different state.

Joint Advance Notice of Proposed Rulemaking (Fed Reserve, OCC & FDIC) re enhanced cyber risk management standards. Fed Docket No. R-XXXX and RIN 7100-AD16; OCC Docket ID OCC-2016-0016, FDIC RIN 3064-AE45.

H.R. 4377, American Business Competitiveness Act of 2015, provisions related to carry-backs and carry-forwards of Net Operating Losses (NOLs) and related to P&C insurance issues; H.R. 2315/S. 386 - Mobile Workforce State Income Tax Simplification Act of 2105.

Discussion with House and Senate staff on autonomous vehicle regulatory issues and potential impact for various businesses and the public in general.(e.g., Federal automated vehicles policy).

Monitoring legislation, proposals, and administrative orders to federal and/or private sector engagement to address cybersecurity threats and attacks. Provisions related to the protection of critical corporate assets and information from cyber security threats and providing liability protections and privacy safeguards for the private sector and consumer. H.R. 2205, Data Security Act of 2015. Joint Advance Notice of Proposed Rulemaking (Fed Reserve, OCC & FDIC) re enhanced cyber risk management standards. Fed Docket No. R-XXXX and RIN 7100-AD16; OCC Docket ID OCC-2016-0016, FDIC RIN 3064-AE45.

Implementation and modifications to P.L. 111-203, the Dodd-Frank Wall Street Reform and Consumer Protection Act. P.L. 113-279 and the Insurance Capital Standards Clarification Act of 2014, whose provisions relate to, among other things, capital and accounting standards regulation for insurance-based savings and loan holding companies under the Collins Amendment of the Dodd-Frank Act, as well as incentive pay. Monitoring development of regulatory reform legislation for banks, including reform efforts impacting the thrift charter and the treatment of brokered deposits. H.R. 685, Clarifying determination of points and fees as they relate to qualified mortgages. S. 1484, Financial Regulatory Improvement Act of 2015, provisions related to the development of international insurance regulatory standards, processes for designating savings and loan holding companies, and the treatment of homeowners insurance premiums from being deemed "points and fees" in connection with a mortgage. H.R. 1660, a bill allowing thrifts to utilize national bank powers. S. 3067, Financial Services and General Government Appropriations Act, 2017 H.R. 5983, The Financial CHOICE Act of 2016 - Legislation to reform Dodd-Frank.

Proposed rulemaking entitled, "Operation and Certification of Small Unmanned Aircraft Systems (SUAS)" published by the Federal Aviation Administration (FAA) and FAA reauthorization legislation provisions, related to the "commercial use of unmanned aircraft systems for insurance purposes." H.R. 636/H.R. 4441 (AIRR Act) and S. 2658 (FAA Reauthorization Act)

Postal reform legislation as it relates to the delivery and rates of postal mail, including: - H.R. 5714, the Postal Service Reform Act - H.R. 5707, the Postal Service Financial Improvement Act of 2016 S. 2051, the Improving Postal Operations, Service, and Transparency Act of 2015.

Proposed rulemaking entitled, "Operation and Certification of Small Unmanned Aircraft Systems (SUAS)" published by the Federal Aviation Administration (FAA) and FAA reauthorization legislation provisions, related to the "commercial use of unmanned aircraft systems for insurance purposes." H.R. 636/H.R. 4441 (AIRR Act) and S. 2658 (FAA Reauthorization Act)

Monitoring and educating legislators on international regulatory developments governing insurance and its potential impact on domestic accounting, capital, and legal entity regulatory approaches, including resolutions and bills seeking greater transparency at the IAIS, such as: H.R. 2141, International Insurance Standards Transparency and Policyholder Protection Act of 2015 H.R. 5143, Transparent Insurance Standards Act of 2016 S. 3067/H.R. 5485, Financial Services and General Government Appropriations Act, 2017 S. 1484, Financial Regulatory Improvement Act of 2015. National Flood Insurance Plan (NFIP), exploring options and implications related to the Federal flood insurance program and its reauthorization. H.R. 2901/S. 1679, Flood Insurance Market Parity and Modernization Act.

Monitoring legislation, proposals, and administrative orders to federal and/or private sector engagement to address cybersecurity threats and attacks. Provisions related to the protection of critical corporate assets and information from cyber security threats and providing liability protections and privacy safeguards for the private sector and consumer. H.R. 2205, Data Security Act of 2015.

H.R. 4377, American Business Competitiveness Act of 2015, provisions related to carry-backs and carry-forwards of Net Operating Losses (NOLs) and related to P&C insurance issues; H.R. 2315/S. 386 - Mobile Workforce State Income Tax Simplification Act of 2105.

Implementation and modifications to P.L. 111-203, the Dodd-Frank Wall Street Reform and Consumer Protection Act. P.L. 113-279 and the Insurance Capital Standards Clarification Act of 2014, whose provisions relate to, among other things, capital and accounting standards regulation for insurance-based savings and loan holding companies under the Collins Amendment of the Dodd-Frank Act, as well as incentive pay. Monitoring development of regulatory reform legislation for banks, including reform efforts impacting the thrift charter and the treatment of brokered deposits. H.R. 685, Clarifying determination of points and fees as they relate to qualified mortgages. S. 1484, Financial Regulatory Improvement Act of 2015, provisions related to the development of international insurance regulatory standards, processes for designating savings and loan holding companies, and the treatment of homeowners insurance premiums from being deemed "points and fees" in connection with a mortgage. H.R. 1660, a bill allowing thrifts to utilize national bank powers. S. 3067, Financial Services and General Government Appropriations Act, 2017

Implementation and modification to proposed rulemaking entitled, "Definition of the Term Fiduciary; Conflict of Interest Rule - Retirment Investment Advice" published by the U.S. Department of Labor (80 FR 21927) as well as alternative bipartisan legislative approached, such as: H.R. 1090/S. 2497, Retail Investor Protection Act H.R. 4294/S. 2505, the Strengthening Access to Valuable Education and Retirement Support (SAVERS) Act. H.R. 4293/S. 2502, the Affordable Retirement Advice Protection (ARAP) Act. S. 3040/House (unnumbered), Labor, Health and Human Services Appropriations, 2017 H.J. Res. 88/S.J. Res 33, Resolution of Disapproval.

Postal reform legislation as it relates to the delivery and rates of postal mail, including: - H.R. 5714, the Postal Service Reform Act - H.R. 5707, the Postal Service Financial Improvement Act of 2016

Implementation and modification to proposed rulemaking entitled, "Definition of the Term Fiduciary; Conflict of Interest Rule - Retirment Investment Advice" published by the U.S. Department of Labor (80 FR 21927) as well as alternative bipartisan legislative approached, such as: H.R. 1090/S. 2497, Retail Investor Protection Act H.R. 4294/S. 2505, the Strengthening Access to Valuable Education and Retirement Support (SAVERS) Act. H.R. 4293/S. 2502, the Affordable Retirement Advice Protection (ARAP) Act. S. 3040/House (unnumbered), Labor, Health and Human Services Appropriations, 2017 H.J. Res. 88/S.J. Res 33, Resolution of Disapproval.

Postal reform legislation (e.g., S. 2051, the Improving Postal Operations, Service and Transparency Act of 2015) as it relates to the delivery and rates of postal mail.

Implementation and modifications to P.L. 111-203, the Dodd-Frank Wall Street Reform and Consumer Protection Act. P.L. 113-279 and the Insurance Capital Standards Clarification Act of 2014, whose provisions relate to, among other things, capital and accounting standards regulation for insurance-based savings and loan holding companies under the Collins Amendment of the Dodd-Frank Act, as well as incentive pay. Monitoring development of regulatory reform legislation for banks, including reform efforts impacting the thrift charter and the treatment of brokered deposits. H.R. 685, Clarifying determination of points and fees as they relate to qualified mortgages. S. 1484, Financial Regulatory Improvement Act of 2015, provisions related to the development of international insurance regulatory standards, processes for designating savings and loan holding companies, and the treatment of homeowners insurance premiums from being deemed "points and fees" in connection with a mortgage. H.R. 1660, a bill allowing thrifts to utilize national bank powers. S. 3067, Financial Services and General Government Appropriations Act, 2017

Proposed rulemaking entitled, "Operation and Certification of Small Unmanned Aircraft Systems (SUAS)" published by the Federal Aviation Administration (FAA) and FAA reauthorization legislation provisions, related to the "commercial use of unmanned aircraft systems for insurance purposes." H.R. 636/H.R. 4441 (AIRR Act) and S. 2658 (FAA Reauthorization Act)

H.R. 4377, American Business Competitiveness Act of 2015, provisions related to carry-backs and carry-forwards of Net Operating Losses (NOLs) and related to P&C insurance issues.

H.R. 1748, Safe Building Code Incentive Act of 2015, to promote federal incentives for states to adopt and enforce nationally recognized model building codes for residential and commercial structures. H.R. 5177, National Mitigation Investment Act related to creating a national strategy for disaster mitigation and response.

H.R. 1057 and S. 560, Promoting Automotive Repair, Trade and Sales Act of 2013, with respect to design patents and component repair parts that are not manufactured by the vehicle's original manufacturer for the repair of a motor vehicle.

H.R. 1057 and S. 560, Promoting Automotive Repair, Trade and Sales Act of 2013, with respect to design patents and component repair parts that are not manufactured by the vehicle's original manufacturer for the repair of a motor vehicle.

Implementation and modification to proposed rulemaking entitled, "Definition of the Term Fiduciary; Conflict of Interest Rule - Retirement Investment Advice" published by the U.S. Department of Labor (80 FR 21927) as well as alternative bipartisan legislative approaches, such as: H.R. 1090/S. 2497, Retail Investor Protection Act H.R. 4294/S. 2505, the Strengthening Access to Valuable Education and Retirement Support (SAVERS) Act. H.R. 4293/S. 2502, the Affordable Retirement Advice Protection (ARAP) Act. H.R. 2029/P.L. 114 - 113, Consolidated Appropriations Act, 2016, provisions related to Department of Labor appropriations.

Monitoring legislation, proposals, and administrative orders to federal and/or private sector engagement to address cybersecurity threats and attacks. Provisions related to the protection of critical corporate assets and information from cyber security threats and providing liability protections and privacy safeguards for the private sector and consumer. H.R. 1770, Data Security and Breach Notification Act.

Proposed rulemaking entitled, "Operation and Certification of Small Unmanned Aircraft Systems (SUAS)" published by the Federal Aviation Administration (FAA) and FAA reauthorization legislation provisions, related to the "commercial use of unmanned aircraft systems for insurance purposes." H.R. 636/H.R. 4441 (AIRR Act) and S. 2658 (FAA Reauthorization Act)

Implementation and modifications to P.L. 111-203, the Dodd-Frank Wall Street Reform and Consumer Protection Act. P.L. 113-279 and the Insurance Capital Standards Clarification Act of 2014, whose provisions relate to capital and accounting standards regulation for insurance-based savings and loan holding companies under the Collins Amendment of the Dodd-Frank Act. Monitoring development of regulatory reform legislation for banks, including reform efforts impacting the thrift charter and the treatment of brokered deposits. H.R. 685, Clarifying determination of points and fees as they relate to qualified mortgages. S. 1484, Financial Regulatory Improvement Act of 2015, provisions related to the development of international insurance regulatory standards, processes for designating savings and loan holding companies, and the treatment of homeowners insurance premiums from being deemed "points and fees" in connection with a mortgage. H.R. 1660, a bill allowing thrifts to utilize national bank powers.

Postal reform legislation (e.g., S. 2051, the Improving Postal Operations, Service and Transparency Act of 2015) as it relates to the delivery and rates of postal mail.

Monitoring legislation, proposals, and administrative orders to federal and/or private sector engagement to address cybersecurity threats and attacks. Provisions related to the protection of critical corporate assets and information from cyber security threats and providing liability protections and privacy safeguards for the private sector and consumer. H.R. 1770, Data Security and Breach Notification Act. H.R. 2019/P.L. 114-113, Consolidated Appropriations Act, 2016, provision related to information sharing for cybersecurity purposes.

H.R. 1748, Safe Building Code Incentive Act of 2015, to promote federal incentives for states to adopt and enforce nationally recognized model building codes for residential and commercial structures.

Implementation and modification to proposed rulemaking entitled, "Definition of the Term Fiduciary; Conflict of Interest Rule - Retirement Investment Advice" published by the U.S. Department of Labor (80 FR 21927) as well as alternative bipartisan legislative approaches, such as: H.R. 1090, Retail Investor Protection Act H.R. 4294, the Strengthening Access to Valuable Education and Retirement Support (SAVERS) Act. H.R. 4293, the Affordable Retirement Advice Protection (ARAP) Act. H.R. 2029/P.L. 114 - 113, Consolidated Appropriations Act, 2016, provisions related to Department of Labor appropriations.

Proposed rulemaking entitled, "Operation and Certification of Small Unmanned Aircraft Systems (SUAS)" published by the Federal Aviation Administration (FAA) and FAA reauthorization legislation provisions relating to the commercial use of unmanned aircraft systems for insurance purposes.

Postal reform legislation (e.g., S. 2051, the Improving Postal Operations, Service and Transparency Act of 2015) as it relates to the delivery and rates of postal mail.

H.R. 1057 and S. 560, Promoting Automotive Repair, Trade and Sales Act of 2013, with respect to design patents and component repair parts that are not manufactured by the vehicle's original manufacturer for the repair of a motor vehicle.

Monitoring and educating legislators on international regulatory developments governing insurance and its potential impact on domestic accounting, capital, and legal entity regulatory approaches, including resolutions and bills seeking greater transparency at the IAIS, such as: S. 1086, International Insurance Capital Standards Accountability Act of 2015 H.R. 2141, International Insurance Standards Transparency and Policyholder Protection Act of 2015 S. 1484, Financial Regulatory Improvement Act of 2015 S. 798/H.R. 1478, Policyholder Protection Act of 2015, provisions requiring state insurance regulator approval of any use of capital funds to serve as a source of strength for depository subsidiaries.

H.R. 1057 and S. 560, Promoting Automotive Repair, Trade and Sales Act of 2013, with respect to design patents and component repair parts that are not manufactured by the vehicle's original manufacturer for the repair of a motor vehicle.

Implementation and modification to proposed rulemaking entitled, "Definition of the Term Fiduciary; Conflict of Interest Rule - Retirement Investment Advice" published by the U.S. Department of Labor (80 FR 21927). H.R. 1090, Retail Investor Protection Act H.R. 3020/S. 1695, Department of Labor Appropriations bill.

Postal reform legislation (e.g., S. 2051, the Improving Postal Operations, Service and Transparency Act of 2015) as it relates to the delivery and rates of postal mail.

H.R. 1748, Safe Building Code Incentive Act of 2015, to promote federal incentives for states to adopt and enforce nationally recognized model building codes for residential and commercial structures.

Proposed rulemaking entitled, "Operation and Certification of Small Unmanned Aircraft Systems (SUAS)" published by the Federal Aviation Administration (14CFR91) provisions related to the commercial use of unmanned aircraft systems for catastrophe response.

Monitoring and educating legislators on international regulatory developments governing insurance and its potential impact on domestic accounting capital, and legal entity regulatory approaches, including resolutions and bills seeking greater transparency at the IAIS, such as: S. 1086, International Insurance Capital Standards Accountability Act of 2015 H.R. 2141, International Insurance Standards Transparency and Policyholder Protection Act of 2015 S. 1484, Financial Regulatory Improvement Act of 2015 S. 798/H.R. 1478, Policyholder Protection Act of 2015, provisions requiring state insurance regulator approval of any use of capital funds to serve as a source of strength for depository subsidiaries.

Monitoring legislation, proposals, and administrative orders to federal and/or private sector engagement to address cybersecurity threats and attacks. Provisions related to the protection of critical corporate assets and information from cyber security threats and providing liability protections and privacy safeguards for the private sector and consumer. H.R. 234, the Cyber Intelligence Sharing and Protection Act (CISPA) S. 754, Cybersecurity Information Sharing Act (CISA) H.R. 1770, Data Security and Breach Notification Act

Monitoring and educating legislators on international regulatory developments governing insurance and its potential impact on domestic accounting capital, and legal entity regulatory approaches, including resolutions and bills seeking greater transparency at the IAIS, such as: S. 1086, International Insurance Capital Standards Accountability Act of 2015 H.R. 2141, International Insurance Standards Transparency and Policyholder Protection Act of 2015 S. 1484, Financial Regulatory Improvement Act of 2015 S. 798/H.R. 1478, Policyholder Protection Act of 2015, provisions requiring state insurance regulator approval of any use of capital funds to serve as a source of strength for depository subsidiaries.

Implementation and modification to proposed rulemaking entitled, "Definition of the Term Fiduciary; Conflict of Interest Rule - Retirement Investment Advice" published by the U.S. Department of Labor (80 FR 21927).

H.R. 1748, Safe Building Code Incentive Act of 2015, to promote federal incentives for states to adopt and enforce nationally recognized model building codes for residential and commercial structures.

Implementation and modifications to P.L. 111-203, the Dodd-Frank Wall Street Reform and Consumer Protection Act. P.L. 113-279 and the Insurance Capital Standards Clarification Act of 2014, whose previsions relate to capital and accounting standards regulation for insurance-based savings and loan holding companies under the Collins Amendment of the Dodd-Frank Act. Monitoring development of regulatory reform legislation for banks, including reform efforts impacting the thrift charter and the treatment of brokered deposits. H.R. 685, Clarifying determination of points and fees as they relate to qualified mortgages. S. 1484, Financial Regulatory Improvement Act of 2015, provisions related to the development of international insurance regulatory standards, processes for designating savings and loan holding companies, and the treatment of homeowners insurance premiums from being deemed "points and fees" in connection with a mortgage.

Proposed rulemaking entitled "Operation and Certification of Small Unmanned Aircraft Systems (SUAS)" published by the Federal Aviation Administration (14CFR91) provisions related to the commercial use of unmanned aircraft systems for catastrophe response.

Monitoring legislation, proposals, and administrative orders related to federal and/or private sector engagement to address cybersecurity threats and attacks. Provisions related to the protection of critical corporate assets and information from cybersecurity threats and providing liability protections and privacy safeguards for the private sector and consumers. H.R. 234 Cyber Intelligence Sharing and Protection Act (CISPA) S.754, Cybersecurity Information Sharing Act (CISA) H.R. 1770, Data Security and Breach Notification Act H.R. 1560 Protecting Cyber Networks Act H.R. 2205 - Data Security Act of 2015 S. 961 - Data Security Act of 2015 H.R. 1731, National Cybersecurity Protection Advancement Act of 2015 (NCPAA)

Monitoring and educating legislators on international regulatory developments governing insurance and its potential impact on domestic accounting capital, and legal entity regulatory approaches, including resolutions and bills seeking greater transparency at the IAIS.

Monitoring legislation, proposals, and administrative orders related to federal and/or private sector engagement to address cybersecurity threats and attacks. Provisions related to the protection of critical corporate assets and information from cybersecurity threats and providing liability protections and privacy safeguards for the private sector and consumers. H.R. 234 Cyber Intelligence Sharing and Protection Act (CISPA) S.754, Cybersecurity Information Sharing Act (CISA) (Draft) Data Security and Breach Notification Act H.R. 1704 Personal Data Notification and Protection Act H.R. 1560 Protecting Cyber Networks Act

H.R. 2767, Protecting American Taxpayers and Homeowners Act of 2013, and S. 1217, Housing Finance Reform and Taxpayer Protection Act of 2013, legislative proposals to reform government-sponsored enterprises Fannie Mae and Freddie Mac, both in terms of the bank in general and support for changes in including affiliate provided insurance as a factor in calculating high-cost mortages for purposes of the qualified mortgage test.

H.R. 1878 and S. 924, the Safe Building Code Incentive Act of 2013, legislative proposals to promote federal incentives for states to adopt and enforce nationally recognized model building codes for residential and commercial structures.

H.R. 2548 and S. 1486, Postal Reform Act of 2013, provisions related to the delivery and rates for postal mail.

H.R. 1663 and S. 780, Promoting Automotive Repair, Trade and Sales Act of 2013, with respect to design patents and repair parts that are not manufactured by the vehicle's original manufacturer for the repair of a motor vehicle.

H.R. 4871, TRIA Reform Act of 2014 and S. 2244, Terrorism Risk Insurance Program Reauthorization Act of 2014, provision to provide a federal backstop for commercial P&C losses resulting from acts of terrorism, particularly changes in NBCR coverage and potential impacts on personal lines insurance. Monitoring international regulatory developments governing insurance and its potential impact on domestic accounting capital, and legal entity regulatory approaches, including S.Res 561 and H.Res 735 seeking greater transparency at the IAIS. S. 534 and H.R. 1155, National Association of Registered Agents and Brokers Reform Act, and H.R. 2156, Claims Licensing Advancement for Interstate Matters Act, provisions related to licensing of insurance agents and claim representatives.

H.R. 1663 and S. 780, Promoting Automotive Repair, Trade and Sales Act of 2013, with respect to design patents and repair parts that are not manufactured by the vehicle's original manufacturer for the repair of a motor vehicle.

P.L. 111-203, the Dodd-Frank Wall Street Reform and Consumer Protection Act, implementation and modifications to Title I, III, IV, V, VI, IX, and X.H.R. 4510, S. 2770, H.R. 5461, the Insurance Capital Standards Clarification Act of 2014, provisions related to capital and accounting standards regulation for insurance-based savings and loan holding companies under the Collins Amendment of the Dodd-Frank Act.

Advocating on tax issues and related implications to property and casualty insurance as well as life insurance.

H.R. 2548 and S.1486, Postal Reform Act of 2013, provisions related to the delivery and rates for postal mail.

H.R. 2374, Retail Investor Protection Act, provision to amend the Securities Exchange Act of 1934 to provide protections for retail customers, and for other purposes.H.R. 2767, Protecting American Taxpayers and Homeowners Act of 2013, and S. 1217, Housing Finance Reform and Taxpayer Protection Act of 2013, legislative proposals to reform government-sponsored enterprises Fannie Mae and Freddie Mac, both in terms of the bank in general and support for changes in including affiliate provided insurance as a factor in calculating hight-cost mortagages for purposes of the qualified mortgage test.

H.R. 1878 and S. 924, the Safe Building Code Incentive Act of 2013, legislative proposals to promote federal incentives for states to adopt and enforce nationally recognized model building codes for residential and commercial structures.H.R. 1101, the Homeowners and Taxpayers Protection Act of 2013, and H.R. 240, the Homeowners Insurance Protection Act of 2013, provisions to create a federal backstop to stand behind state catastrophe funds through the U.S. Treasury Department's sale of reinsurance and the establishment of a guarantee program for debt issued by state catastrophe funds.

Advocating for legislative proposals to promote federal incentives for states to adopt and enforce statewide building codes. H.R. 1878 and S. 924 ("Safe Building Code Incentive Act of 2013") would provide financial incentives to states that adopt and enforce nationally recognized model building codes for residential and commercial structures.Advocating for H.R. 1101 ("Homeowners and Taxpayers Protection Act of 2013") and H.R. 240 ("The Homeowners Insurance Protection Act of 2013") to create a federal backstop to stand behind state catastrophe funds through the U.S. Treasury Department's sale of reinsurance and the establishment of a guarantee program for debt issued by state catastrophe funds.

Advocating for H.R. 1663 and S. 780 ("Promoting Automotive Repair, Trade and Sales Act of 2013"), which would permit the use of repair parts that are not manufactured by the vehicle's original manufacturer to reduce repair costs for consumers.

Monitoring tax issues and related implications to property and casualty insurance, including House Ways and Means Committee Chairman Dave Camp's corporate tax reform draft, as well as life insurance.

Monitoring legislation, proposals, and administrative orders (see addendum) that deal with some aspect of federal and/or private sector engagement to address cybersecurity threats and attacks. Advocating for public polices aimed at protecting critical corporate assets and information from cybersecurity threats while providing liability protections and privacy safeguards for the private sector and consumers.- Executive Orders on "Improving Critical Infrastructure Cybersecurity" - H.R. 624, "Cyber Intelligence Sharing and Protection Act" (CISPA) - H.R. 756, "Cyber Security Enhancement Act" - S. 1353 "Cybersecurity Act of 2013" - H.R. 1163 "Federal Information Security Amendments Act" - S. 21 "Cybersecurity and American Cyber Competitiveness Act" - S. 1638 "Cybersecurity Public Awareness Act" - H.R. 1468 SECURE IT - S. 1925 Driver Privacy Protection Act - H.R. 3696 National Cybersecurity and Critical Infrastructure Protection Act

Monitoring H.R. 4871 ("TRIA Reform Act of 2014") and S.2244 ("Terrorism Risk Insurance Program Reauthorization Act of 2014) which would provide a federal backstop for commercial P&C losses resulting from acts of terrorism, particularly changes in NBCR coverage and potential impacts on personal lines insurance.Monitoring international regulatory developments governing insurance and its potential impact on domestic regulatory requirements. Educating Congress and the Treasury Department's FIO on the need to preserve existing domestic accounting, capital, and legal entity regulatory approaches.

H.R. 2374 - "Retail Investor Protection Act" - amends the Securities Exchange Act of 1934" to provide protections for retail customers, and for other purposes.Regin

Improving the efficiency of the current regulatory system, whether by modifying the existing state system or creating an optional federal charter for insurance companies. Congressional Oversight relating to P.L. 111-203, the Dodd-Frank Wall Street Reform and Consumer Protection Act - established a Federal Insurance Office (FIO) within the Department of Treasury; established a Consumer Financial Protection Bureau; created aFinancial Stability Oversight Council to regulate systemically important companies; calls for a review of the standards for investment advisors and broker dealers; created a system for winding down the affairs of failing systemically important companies; and imposed proprietary trading restrictions on financial firms with FDIC depository institutions within their corporate structure. H.R. 2140/S. 1369 - Which would ensure that insurance regulatory and capital standards are applied to insurance-based SLHC's and systemically important nonbank financial companies. H.R. 99 - "Health Insurance Industry Antitrust Enforcement Act" which would repeal the McCarran-Ferguson Act as related to health insurance and medical malpractice. H.R. 508 "Terrorism Risk Insurance Reauthorization Act of 2013" - The Terrorism Risk Insurance Program, which provides a federal backstop for commercial P&C losses resulting from acts of terrorism is due to expire on December 31, 2014. Efforts are underway to extend the program. Domestic/International Regulation of Insurance - State Farm has been monitoring international regulatory developments governing insurance and its potential impact on domestic regulatory requirements. State Farm has educated Congress and the Treasury Department's FIO on the need to preserve existing domestic accounting, capital, and legal entity regulatory approaches.

Patents/Intellectual Property - worked to reduce auto repair costs for consumers by supporting H.R. 1663/S. 780, the "Promoting Automotive Trade and Sales Act of 2013." This legislation would permit the use of repair parts that are not manufactured by the vehicle's original manufacturer.

Tax issues related to property and casualty insurance, as well as life insurance; tax reform issues before the 113th Congress.

Federal Trade Commission's (FTC) proposed rules to implement Public Law 108-159, "Fair and Accurate Credit Transactions Act," that established uniform national standards for certain consumers credit insurance and employment transactions.The FTC and Federal Reserve (Fed) issued studies on the effects of credit scores and credit-based insurance scores on the availability of financial products. The FTC is studying the effects of the use of credit-based insurance scoring as it relates to the affordability of homeowners insurance.

P.L. 111-203 - Implementation and modifications for the "Dodd-Frank Wall Street Reform and Consumer Protection Act," which eliminated the Office of Thrift Supervision, the primary regulator of State Farm Bank, and replaced it with the Office of the Comptroller of the Currency, effective July 21, 2011.The legislation modified the Bank Holding Company Act and the Home Owners Loan Act and provided that all Savings and Loan Holding Companies (SLHCs) are regulated by the Federal Reserve effective July 21, 2011. This entails new reporting requirements for the holding company. Also, the legislation created the Financial Stability Oversight Council to identify and regulate systemically important non-bank financial companies. Through the Collins Amendment, the Act imposed minimum risk-based capital and maximum leverage requirements on banks and SLHCs. In response to this law, State Farm is also supporting H.R. 2140 and S. 1369, legislation intended to ensure that inappropriate banking standards are not applied to SLHCs primarily engaged in the business of insurance, as well as monitoring S. 2102, which has similar objectives. Public Law 113-203 also created a system for resolving failing systemically important companies. There are assessments associated with this new resolution authority. The Dodd-Frank Act also directed the Securities and Exchange Commission (SEC) to conduct a study evaluating the different standards of conduct between broker-dealer and investment advisors. It also modified the rules governing investments by entities that have an insured depository within their corporate structure (i.e., the Volcker Rule).

H.R. 2690 - the "Postal Reform Act of 2013" and S. 1486 - the "Postal Reform Act of 2013" - State Farm is supportive of other Congressional efforts to pass postal reform legislation.

H.R. 2374 - "Retail Investor Protection Act" - amends the Securities Exchange Act of 1934" to provide protections for retail customers, and for other purposes.

Patents/Intellectual Property - worked to reduce auto repair costs for consumers by supporting H.R. 1663/S. 780, the "Promoting Automotive Trade and Sales Act of 2013." This legislation would permit the use of repair parts that are not manufactured by the vehicle's original manufacturer.

Tax issues related to property and casualty insurance, as well as life insurance; tax reform issues before the 113th Congress.

Federal Trade Commission's (FTC) proposed rules to implement Public Law 108-159, "Fair and Accurate Credit Transactions Act," that established uniform national standards for certain consumers credit insurance and employment transactions.The FTC and Federal Reserve (Fed) issued studies on the effects of credit scores and credit-based insurance scores on the availability of financial products. The FTC is studying the effects of the use of credit-based insurance scoring as it relates to the affordability of homeowners insurance.

P.L. 111-203 - Implementation and modifications for the "Dodd-Frank Wall Street Reform and Consumer Protection Act," which eliminated the Office of Thrift Supervision, the primary regulator of State Farm Bank, and replaced it with the Office of the Comptroller of the Currency, effective July 21, 2011.The legislation modified the Bank Holding Company Act and the Home Owners Loan Act and provided that all Savings and Loan Holding Companies (SLHCs) are regulated by the Federal Reserve effective July 21, 2011. This entails new reporting requirements for the holding company. Also, the legislation created the Financial Stability Oversight Council to identify and regulate systemically important non-bank financial companies. Through the Collins Amendment, the Act imposed minimum risk-based capital and maximum leverage requirements on banks and SLHCs. In response to this law, State Farm is also supporting H.R. 2140 and S. 1369, legislation intended to ensure that inappropriate banking standards are not applied to SLHCs primarily engaged in the business of insurance. In addition, it created a system for resolving failing systemically important companies. There are assessments associated with this new resolution authority. The Dodd-Frank Act also directed the Securities and Exchange Commission (SEC) to conduct a study evaluating the different standards of conduct between broker-dealer and investment advisors. It also modified the rules governing investments by entities that have an insured depository within their corporate structure (i.e., the Volcker Rule).

Supportive of legislative proposals to promote federal incentives for states to adopt and enforce statewide building codes. H.R. 1878/S. 905 - "The Safe Building Code Incentive Act," which would provide financial incentives to states that adopt and enforce nationally recognized model building codes for residential and commercial structures.H.R. 1101, "The Homeowners and Taxpayers Protection Act" and H.R. 240, "The Homeowners Insurance Protection Act" to create a federal backstop to stand behind state catastrophe funds through the U.S. Treasury Department's sale of reinsurance and the establishment of a guarantee program for debt issued by state catastrophe funds.

Information and Security legislation, proposals and administrative orders: - Executive Orders on "Improving Critical Infrastructure Cybersecurity" - H.R. 624, "Cyber Intelligence Sharing and Protection Act" (CISPA) - H.R. 756, "Cyber Security Enhancement Act"- S. 1353 "Cybersecurity Act of 2013" - H.R. 1163 "Federal Information Security Amendments Act" - S. 21 "Cybersecurity and American Cyber Competitiveness Act" - S. 1638 "Cybersecurity Public Awareness Act" - H.R. 1468 SECURE IT

Federal Trade Commission's (FTC) proposed rules to implement Public Law 108-159, "Fair and Accurate Credit Transactions Act," that established uniform national standards for certain consumers credit insurance and employment transactions.The FTC and Federal Reserve (Fed) issued studies on the effects of credit scores and credit-based insurance scores on the availability of financial products. The FTC is studying the effects of the use of credit-based insurance scoring as it relates to the availability of financial products. The FTC is studying the effects of the use of credit-based insurance scoring as it relates to the affordability of homeowners insurance.

P.L. 111-203 - Implementation and modifications for the "Dodd-Frank Wall Street Reform and Consumer Protection Act," which eliminated the Office of Thrift Supervision, the primary regulator of State Farm Bank, and replaced it with the Office of the Comptroller of the Currency, effective July 21, 2011.The legislation modified the Bank Holding Company Act and the Home Owners Loan Act and provided that all Savings and Loan Holding Companies (SLHCs) are regulated by the Federal Reserve effective July 21, 2011. This entails new reporting requirements for the holding company. Also, the legislation created the Financial Stability Oversight Council to identify and regulate systemically important non-bank financial companies. Through the Collins Amendment, the Act imposed minimum risk-based capital and maximum leverage requirements on banks and SLHCs. In response to this law, State Farm is also supporting H.R. 2140 and S. 1369, legislation intended to ensure that inappropriate banking standards are not applied to SLHCs primarily engaged in the business of insurance. In addition, it created a system for resolving failing systemically important companies. There are assessments associated with this new resolution authority. The Dodd-Frank Act also directed the Securities and Exchange Commission (SEC) to conduct a study evaluating the different standards of conduct between broker-dealer and investment advisors. It also modifies the rules governing investments by entities that have an insured depository within their corporate structure (i.e., the Volcker Rule).

H.R. 2690 - the "Postal Reform Act of 2013" and S. 1486 - the "Postal Reform Act of 2013" - State Farm is supportive of other Congressional efforts to pass postal reform legislation.

Tax issues related to property and casualty insurance, as well as life insurance; tax reform issues before the 113th Congress.

Information and Security legislation, proposals and administrative orders: - Executive Orders on "Improving Critical Infrastructure Cybersecurity" - H.R. 624, "Cyber Intelligence Sharing and Protection Act" (CISPA) - H.R. 756, "Cyber Security Enhancement Act"- S. 1353 "Cybersecurity Act of 2013" - H.R. 1163 "Federal Information Security Amendments Act" - S. 21 "Cybersecurity and American Cyber Competitiveness Act"

Improving the efficiency of the current regulatory system, whether by modifying the existing state system or creating an optional federal charter for insurance companies. Congressional Oversight relating to P.L. 111-203, the Dodd-Frank Wall Street Reform and Consumer Protection Act - established aFederal Insurance Office within the Department of Treasury; established a Consumer Financial Protection Bureau; created a Financial Stability Oversight Council to regulate systemically important companies; calls for a review of the standards for investment advisors and broker dealers; created a system for winding down the affairs of failing systemically important companies; and imposed proprietary trading restrictions on financial firms with FDIC depository institutions within their corporate structure. H.R. 2140/S. 1369 - Which would ensure that insurance regulatory and capital standards are applied to insurance-based SLHC's and systemically important nonbank financial companies. H.R. 99 - "Health Insurance Industry Antitrust Enforcement Act" which would repeal the McCarran-Ferguson Act as related to health insurance and medical malpractice. Terrorism Risk Insurance - The Terrorism Risk Insurance Program, which provides a federal backstop for commercial P&C losses resulting from acts of terrorism is due to expire on December 31, 2014. Efforts are underway to extend the program.

H.R. 2690 - the "Innovate to Deliver (I2D) Act of 2013" - State Farm is supportive of other Congressional efforts to pass postal reform legislation.

Federal Trade Commission's (FTC) proposed rules to implement Public Law 108-159, "Fair and Accurate Credit Transactions Act," that established uniform national standards for certain consumers credit insurance and employment transactions.The FTC and Federal Reserve (Fed) issued studies on the effects of credit scores and credit-based insurance scores on the availabiltiy of financial products. The FTC is studying the effects of the use of credit-based insurance scoring as it relates to the availability of financial products. The FTC is studying the effects of the use of credit-based insurance scoring as it relates to the affordability of homeowners insurance.

Supportive of legislative proposals to promote federal incentives for states to adopt and enforce statewide building codes. H.R. 1878/S. 905 - "The Safe Building Code Incentive Act," which would provide financial incentives to states that adopt and enforce nationally recognized model building codes for residential and commercial structures.H.R. 1101 - "The Homeowners and Taxpayers Protection Act" to create a federal backstop to stand behind state catastrophe funds through the U.S. Treasury Department's sale of reinsurance and the establishment of a guarantee program for debt issued by state catastrophe funds.

Patents/Intellectual Property - worked to reduce auto repair costs for consumers by supporting H.R. 1663/S. 780, the "Promoting Automotive Trade and Sales Act of 2013." This legislation would permit the use of repair parts that are not manufactured by the vehicle's original manufactuter.

Information and Security legislation, proposals and administrative orders: - Executive Orders on "Improving Critical Infrastructure Cybersecurity" - H.R. 624, "Cyber Intelligence Sharing and Protection Act" (CISPA) - H.R. 756, "Cyber Security Enhancement Act"- H.R. 1163 "Federal Information Security Amendments Act" - S. 21 "Cybersecurity and American Cyber Competitiveness Act"

Improving the efficiency of the current regulatory system, whether by modifying the existing state system or creating an optional federal charter for insurance companies. Congressional Oversight relating to P.L. 111-203, the Dodd-Frank Wall Street Reform and Consumer Protection Act - established aFederal Insurance Office within the Department of Treasury; established a Consumer Financial Protection Bureau; created a Financial Stability Oversight Council to regulate systemically important companies; calls for a review of the standards for investment advisors and broker dealers; created a system for winding down the affairs of failing systemically important companies; and imposed proprietary trading restrictions on financial firms with FDIC depository institutions within their corporate structure. H.R. 2140 - The Insurance Capital and Accounting Standards Act of 2013, which would ensure that insurance regulatory and capital standards are applied to insurance-based SLHC's and systemically important nonbank financial companies. H.R. 99 - "Health Insurance Industry Antitrust Enforcement Act" which would repeal the McCarran-Ferguson Act as related to health insurance and medical malpractice. Terrorism Risk Insurance - The Terrorism Risk Insurance Program, which provides a federal backstop for commercial P&C losses resulting from acts of terrorism is due to expire on December 31, 2014. Efforts are underway to extend the program.

H.R. 2374 - "Retail Invester Protection Act" - amends the Securities Exchange Act of 1934" to provide protections for retail customers, and for other purposes.

Supportive of legislative proposals to promote federal incentives for states to adopt and enforce statewide building codes. H.R. 1101 -"The Homeowners and Taxpayers Protection Act" to create a federal backstop to stand behind state catastrophe funds through the U.S. Treasury Department's sale of reinsurance and the establishment of a guarantee program for debt issued by state catastrophe funds.

Patents/Intellectual Property - worked to reduce auto repair costs for consumers by supporting the introduction of legislation permiting the use of repair parts that are not manufactured by the vehicle's original manufacturer.

P.L. 111-203 - Implementation and modifications of the "Dodd Frank Wall Street Reform and Consumer Protection Act," which eliminated the Office of Thrift Supervision, the primary regulator of State Farm Bank, and replaced it with the Office of the Comptroller of the Currency, effective July 21, 2011.The legislation modified the Bank Holding Company Act and the Home Owners Loan Act and provided that all Savings and Loan Holding Companies (SLHCs) are regulated by the Federal Reserve effective July 21, 2011. This entails new reporting requirements for the holding company. Also, the legislation created the Financial Stability Oversight Council to identify and regulate systemically important non-bank financial companies. Through the Collins Amendment, the Act imposes minimum risk-based capital and maximum leverage requirements on banks and SLHCs. As a result of this law, State Farm is also pursuing legislation intended to ensure that inappropriate banking standards are not applied to SLHCs primarily engaged in the business of insurance. In addition, it created a system for resolving failing systemically important companies. There are assessments associated with this new resolution authority. The Dodd-Frank Act also directed the Securities and Exchange Commission (SEC) to conduct a study evaluating the different standards of conduct between broker-dealers and investment advisors. It also modifies the rules governing investments by entitites that have an insured depository within their corporate structure (i.e., the Volcker Rule).

Improving the efficiency of the current regulatory system, whether by modifying the existing state system or creating an optional federal charter for insurance companies. Congressional Oversight relating to P.L. 111-203, the Dodd Frank Wall Street Reform and Consumer Protection Act - established aFederal Insurance Office within the Department of Treasury; established a "Consumer Financial Protection Bureau;" created a Financial Stability Oversight Council to regulate systemically important companies; calls for a reveiw of the standards for investment advisors and broker dealers; created a system for winding down the affairs of failing systemically important companies; and imposed proprietary trading restrictions on financial firms with FDIC depository institutions within their corporate structure. H.R. 99 - "Health Insurance Industry Antitrust Enforcement Act" which would repeal the McCarran-Ferguson Act as related to health insurance and medical malpractice. Terrorism Risk Insuance: The Terrorism Risk Insurance Program, which provides a federal backstop for commercial P&C losses resulting from acts of terrorism is due to expire on December 31, 2014. Efforts are underway to extend the program.

Supportive of Congressional efforts to introduce postal reform legislation.

Federal Trade Commission's (FTC) proposed rules to implement Public Law 108-159, "Fair and Accurate Credit Transactions Act," that established uniform national standards for certain consumers credit insurance and employment transactions. The FTC and Federal Reserve (Fed) issued studies on the effects of credit scores and credit-based insurance scores on the availability of financial products. The FTC is studying the effects of the use of credit-based insurance scoring as it relates to the affordability of homeowners insurance.

Improving the efficiency of the current regulatory system, whether by modifying the existing state system or creating an optional federal charter for insurance companies. Congressional Oversight relating to P.L. 111-203, the Dodd Frank Wall Street Reform and Consumer Protection Act - established a Federal Insurance Office within the Department of Treasury; established a "Consumer Financial Protection Bureau;" created a Financial Stability Oversight Council to regulate systemically important companies; calls for a reveiw of the standards for investment advisors and broker dealers; created a system for winding down the affairs of failing systemically important companies; and imposed proprietary trading restrictions on financial firms with FDIC depository institutions within their corporate structure. H.R. 5 - Legislation to repeal the Affordable Care Act, which includes creation of an Independent Payment Acvisory Board, and reform for medical malpractice, and proposed amendments to repeal the McCarran-Ferguson Act for "the business of health insurance." Passed in the House, referred to the Senate.

Passage of S. 1789, the "21st Century Postal Service Act." House legislation - H.R. 2309, the "Postal Reform Act," and H.R. 1262, the "Reform of the Postal Service for the 21st Century Act."

Tax issues related to property and casualty insurance, as well as life insurance; tax reform issues before the 112th Congress.

Patents/Intellectual Property - worked to reduce auto repair costs for consumers by supporting H.R. 3889, the "Promoting Automotive Repair, Trade and Sales (PARTS) Act," legislation permiting the use of repair parts that are not manufactured by the vehicle's original manufacturer.

Legislation to promote federal incentives for states to adopt and enforce statewide building codes. This includes H.R. 2069, the Safe Building Code Incentive Act and S. 3694, a stand alone companion to H.R. 2069. H.R. 6477 -"The Taxpayer Protection Act" to create a federal backstop to stand behind state catastrophe funds through the U.S. Treasury Department's sale of reinsurance and the establishment of a guarantee program for debt issued by state catastrophe funds.

P.L. 111-203 - Implementation and modifications of the "Dodd Frank Wall Street Reform and Consumer Protection Act," which eliminated the Office of Thrift Supervision, the primary regulator of State Farm Bank, and replaced it with the Office of the Comptroller of the Currency, effective July 21, 2011. The legislation modified the Bank Holding Company Act and the Home Owners Loan Act and provided that all Savings and Loan Holding Companies (SLHCs) are regulated by the Federal Reserve effective July 21, 2011. This entails new reporting requirements for the holding company. Also, the legislation created the Financial Stability Oversight Council to identify and regulate systemically important non-bank financial companies. Through the Collins Amendment, the Act imposes minimum risk-based capital and maximum leverage requirements on banks and SLHCs. In addition, it created a system for resolving failing systemically important companies. There are assessments associated with this new resolution authority. The Dodd-Frank Act also directed the Securities and Exchange Commission (SEC) to conduct a study evaluating the different standards of conduct between broker-dealers and investment advisors. It also modifies the rules governing investments by entities that have an insured depository within their corporate structure (i.e., the Volcker Rule). H.R. 4014/S. 2099 and S. 3394 - legislation to amend the Federal Deposit Insurance Act with respect to adding the Consumer Financial Protection Bureau for the protection of confidential and privileged information.

Legislation to promote federal incentives for states to adopt and enforce statewide building codes. This includes H.R. 2069, the Safe Buidling Code Incentive Act. H.R. 6477 - "The Taxpayer Protection Act" to create a federal backstop to stand behind state catastrophe funds through the U.S. Treasury Department's sale of reinsurance and the establishment of a guarantee program for debt issued by state catastrophe funds.

Privacy bills in the Senate: S. 3333, the "Data Security and Breach Notification Act of 2012," which would require certain entities to securely collect and maintain personal information of individuals and provide notice in the case of a breach. Privacy bills in the House: H.R. 2577, "Data Breach of 2011;" H.R. 611, the "Best PRACTICES Act of 2011;" and H.R. 1528, the "Consumer Privacy Act of 2011" are in the Energy and Commerce Committee; H.R. 653, the "Financial Information Privacy Act of 2011" is in the Financial Services Committee.

Improving the efficiency of the current regulatory system, whether by modifying the existing state system or creating an optional federal charter for insurance companies. Congressional Oversight relating to P.L. 111-203, the Dodd Frank Wall Street Reform and Consumer Protection Act - established a Federal Insurance Office within the Department of Treasury; established a "Consumer Financial Protection Bureau;" created a Financial Stability Oversight Council to regulate systemically important companies; calls for a review of the standards for investment advisors and broker dealers; created a system for winding down the affairs of failing systemically important companies; and imposed proprietary trading restrictions on financial firms with FDIC despoitory insitutitons within their corporate structure. H.R. 5 - Legisation to repeal the Affordable Care Act, which includes creation of an Independent Payment Advisory Board, and reform for medical malpractice, and proposed amendments to repeal the McCarran-Ferguson Act for "the business of health insurance." Passed in the House, referred to the Senate.

Short-term extension of payroll tax reduction legislation. Tax issues related to property and casualty insurance, as well as life insurance as proposed in the President's FY2012 budget proposal; tax reform issues before the 112th Congress. S. 3521 - Family and Business Tax Cut Certainty Act of 2012

Passage of S. 1789, the "21st Century Postal Service Act." House legislation - H.R. 2309, the "Postal Reform Act," and H.R. 1262, the "Reform of the Postal Service for the 21st Century Act."

Legislation to promote federal incentives for states to adopt and enforce statewide building codes. This includes H.R. 2069, the Safe Buidling Code Incentive Act.

Short-term extension of payroll tax reduction legislation. Tax issues related to property and casualty insurance, as well as life insurance as proposed in the President's FY2012 budget proposal; tax reform issues before the 112th Congress.

Privacy bills in the Senate: S. 2105, "Cybersecurity Act of 2012" - directs the Secretary of Homeland Security to conduct assessment of risks; establishes a procedure for designation of critical infrastructure; and sets requirements for notification of risks and threats. S. 3333, the "Data Security and Breach Notification Act of 2012," which would require certain entitites to securely collect and maintain personal information of individuals and provide notice in the case of a breach. Privacy bills in the House: H.R. 3523, "Cyber Intelligence Sharing and Protection Act of 2011" - amends the National Security Act of 1947 to provide procedures regarding cyber threat intelligence and information sharing. Passed in House and referred to Senate. H.R. 2577, "Data Breach of 2011;" H.R. 611, the "Best PRACTICES Act of 2011;" and H.R. 1528, the "Consumer Privacy Act of 2011" are in the Energy and Commerce Committee; H.R. 653, the "Financial Information Privacy Act of 2011" is in the Financial Services Committee. H.R. 3674, "Promoting and Enhancing Cybersecurity and Information Sharing Effectiveness" - provides for the Secretary of Homeland Security to coordinate cybersecurity efforts for government and critical infrastructure networks.

Passage of S. 1789, the "21st Century Postal Service Act." House legislation - H.R. 2309, the "Postal Reform Act," and H.R. 1262, the "Reform of the Postal Service for the 21st Century Act."

P.L. 111-203 - Implementation and modifications of the "Dodd Frank Wall Street Reform and Consumer Protection Act," which eliminated the Office of Thrift Supervision, the primary regulator of State Farm Bank, and replaced it with the Office of the Comptroller of the Currency, effective July 21, 2011. The legislation modified the Bank Holding Company Act and the Home Owners Loan Act and provided that all Savings and Loan Holding Companies (SLHCs) are regulated by the Federal Reserve effective July 21, 2011. This entails new reporting requirements for the holding company. Also, the legislation created the Financial Stability Oversight Council to identify and regulate systemically important non-bank financial companies. Through the Collins Amendment, the Act imposes minimum risk-based capital and maximum leverage requirements on banks and SLHCs. In addition, it created a system for resolving failing systemically important companies. There are assessments associated with this new resolution authority. The Dodd-Frank Act also directed the Securities and Exchange Commission (SEC) to conduct a study evaluating the different standards of conduct between broker-dealers and investment advisors. It also modifies the rules governing investments by entities that have an insured depository within their corporate structure (i.e., the Volcker Rule). Consumer Financial Protection Bureau Proposed Rule on Confidential Treatment of Privileged Information RIN3170-AA20. H.R. 4014/S. 2099 - legislation to amend the Federal Deposit Insurance Act with respect to adding the Consumer Financial Protection Bureau for the protection of confidential and privileged information.

Federal Trade Commission's (FTC) proposed rules to implement Public Law 108-159, "Fair and Accurate Credit Transactions Act," that established uniform national standards for certain consumers credit insurance and employment transactions. The FTC and Federal Reserve (Fed) issued studies on the effects of credit scores and credit-based insurance scores on the availability of financial products. The FTC is studying the effects of the use of credit-based insurance scoring as it related to the affordability of homeowners insurance. "Medicare, Medicaid and SCHIP Extension Act of 2007," PL 110-173 and implementation of CMS Guidelines.

Patents/Intellectual Property - worked to reduce auto repair costs for consumers by supporting H.R. 3889, the "Promoting Automotive Repair, Trade and Sales (PARTS) Act," legislation permitting the use of repair parts that are not manufactured by the vehicle's original manufacturer.

Legislation, known as the Safe Teen and Novice Driver Uniform Protection (STANDUP) Act, that would provide incentives to states to adopt laws creating graduated driver licensing laws that meet minimum requirements. (H.R. 1515/S. 528); Highway Transportation Authorization legislation in Senate (S. 1813); 90-day extension of the Federal Highway and Surface Transportation bill

Federal Trade Commission's (FTC) proposed rules to implement Public Law 108-159, "Fair and Accurate Credit Transactions Act," that established uniform national standards for certain consumers credit insurance and employment transactions. The FTC and Federal Reserve (Fed) issued studies on the effects of credit scores and credit-based insurance scores on the availability of financial products. The FTC is studying the effects of the use of credit-based insurance scoring as it related to the affordability of homeowners insurance. "Medicare, Medicaid and SCHIP Extension Act of 2007, "PL 110-173 and implementation of CMS Guidelines.

Privacy bills in the Senate: S. 2105, "Cybersecurity Act of 2012" - directs the Secretary of Homeland Security to conduct assessment of risks; establishes a procedure for designation of Critical infrastructure; and sets requirements for notification of risks and threats. Privacy bills in the House: H.R. 2577, "Data Breach of 2011;" H.R. 611, the "Best PRACTICES Act of 2011;" and H.R. 1528, the "Consumer Privacy Act of 2011" are in the Energy and Commerce Committee; H.R. 653, the "Financial Information Privacy Act of 2011" is in the Financial Services Committee. H.R. 3523, "Cyber Intelligence Sharing and Protection Act of 2011" - amends the National Security Act of 1947 to provide procedures regarding cyber threat intelligence and information sharing. Reported out of committee. H.R. 3674, "Promoting and Enhancing Cybersecurity and Information Sharing Effectiveness" - provides for the Secretary of Homeland Security to coordinate cybersecurity efforts for government and critical infrastructure networks.

Improving the efficiency of the current regulatory system, whether by modifying the existing state system or creating an optional federal charter for insurance companies. P.L. 111-203, the Dodd Frank Wall Street Reform and Consumer Protection Act - establishes a Federal Insurance Office within the Department of Treasury; establishes a "Consumer Financial Protection Bureau;" creates a Financial Stability Oversight Council to regulate systemically important companies; calls for a review of the standards for investment advisors and broker dealers; creates a system for winding down the affairs of failing systemically important companies; and imposes proprietary trading restrictions on financial firms with FDIC despoitory insitutitons within their corporate structure. H.R. 1309/unnumbered Senate Banking Committee legislation, the "Flood Insurance Reform and Modernization Act," and several measures to extend the National Flood Insurance Program on a short-term and five-year basis. H.R. 5 - Legisation to repeal the Affordable Care Act's creation of an Independent Payment Advisory Board and reform medical malpractice and proposed amendments to repeal the McCarran-Ferguson Act for "the business of health insurance." Consumer Financial Protection Bureau Proposed Rule on Confidential Treatment of Privileged Information RIN3170-AA20

Several postal reform measures have been introduced: H.R. 2309/S. 1625, "Postal Reform Act of 2011;" S. 1789, "The 21st Century Postal Service Act;" S. 1010, "Postal Operations Sustainment and Transformation Act of 2011;" S. 353, "U.S. Postal Service Improvements of 2011;" S. 261, "Federal Employees Compensation Reform Act of 2011;" and H.R. 2884, "USPS Retiree Health Benefits Prepayment Extension Act."

P.L. 111-203 - Implementation and modifications of the "Dodd Frank Wall Street Reform and Consumer Protection Act," which eliminated the Office of Thrift Supervision, the primary regulator of State Farm Bank and replaced it with the Office of the Comptroller of the Currency, effective July 21, 2011. The legislation modified the Bank Holding Company Act and the Home Owners Loan Act and provided that all Savings and Loan Holding Companies (SLHCs) are regulated by the Federal Reserve effective July 21, 2011. This entails new reporting requirements for the holding company. Also, the legislation created the Financial Stability Oversight Council to identify and regulate systemically important non-bank financial companies. Through the Collins Amendment, the Act imposes minimum risk-based capital and maximum leverage requirements on banks and SLHCs. In addition, it created a system for resolving failing systemically important companies. There are assessments associated with this new resolution authority. The Dodd-Frank Act also directed the Securities and Exchange Commission (SEC) to conduct a study evaluating the different standards of conduct between broker-dealers and investment advisors. It also modifies the rules governing investments by entities that have an insured depository within their corporate structure (i.e., the Volcker Rule).

P.L. 111-203 - Implementation and modifications of the "Dodd Frank Wall Street Reform and Consumer Protection Act," which eliminated the Office of Thrift Supervision, the primary regulator of State Farm Bank and replaced it with the Office of the Comptroller of the Currency, effective July 21, 2011. The legislation modified the Bank Holding Company Act and the Home Owners Loan Act and provided that all Savings and Loan Holding Companies (SLHCs) are regulated by the Federal Reserve effective July 21, 2011. This entails new reporting requirements for the holding company. Also, the legislation created the Financial Stability Oversight Council to identify and regulate systemically important non-bank financial companies. Through the Collins Amendment, the Act imposes minimum capital and maximum leverage requirements on banks and SLHCs. In addition, it created a system for resolving failing systemically important companies. There are assessments associated with this new resolution authority. The Dodd-Frank Act also directed the Securities and Exchange Commission (SEC) to conduct a study evaluating the different standards of conduct between broker-dealers and investment advisors. It also modifies the rules governing instruments by entities that have an insured depository within their corporate structure (i.e., the Volcker Rule).

Short-term extension of payroll tax reduction legislation. Tax issues related to property and casualty insurance, as well as life insurance as proposed in the President's FY2012 budget proposal; tax reform issues before the 112th Congress.

Several postal reform measures have been introduced: H.R. 2309/S. 1625, "Postal Reform Act of 2011;" S. 1789, "The 21st Century Postal Service Act;" S. 1010, "Postal Operations Sustainment and Transformation Act of 2011;" S. 353, "U.S. Postal Service Improvements of 2011;" S. 261, "Federal Employees Compensation Reform Act of 2011;" and H.R. 2884, "USPS Retiree Health Benefits Prepayment Extension Act."

Patents/Intellectual Property - worked to reduce auto repair costs for consumers by supporting legislation permitting the use of repair parts that are not manufactured by the vehicle's original manufacturer.

Legislation, known as the Safe Teen and Novice Driver Uniform Protection (STANDUP) Act, that would provide incentives to states to adopt laws creating graduated driver licensing laws that meet minimum requirements. (H.R. 1515/S. 528); Highway Transportation Authorization legislation in Senate Banking Committee.

Legislation to promote federal incentives for states to adopt and enforce statewide building codes. This includes H.R. 2069, the Safe Building Code Incentive Act.

Improving the efficiency of the current regulatory system, whether by modifying the existing state system or creating an optional federal charter for insurance companies. P.L. 111-203, the Dodd Frank Wall Street Reform and Consumer Protection Act - establishes a Federal Insurance Office within the Department of Treasury; establishes a "Consumer Financial Protection Bureau;" creates a Financial Stability Oversight Council to regulate systemically important companies; calls for a review of the standards for investment advisors and broker dealers; creates a system for winding down the affairs of failing systemically important companies; and imposes proprietary trading restrictions on financial firms with FDIC despoitory insitutitons within their corporate structure. H.R. 1309/unnumbered Senate Banking Committee legislation, the "Flood Insurance Reform and Modernization Act," and several measures to extend the National Flood Insurance Program on a short-term and five-year basis.

Legislation to promote federal incentives for states to adopt and enforce statewide building codes. This includes H.R. 2069, the Safe Building Code Incentive Act.

Privacy bills in the Senate: S. 1151, the "Personal Data Privacy and Security Act of 2011" is in the Judiciary Committee; S. 1434, the "Data Breach Act of 2011" is in the Banking Committee; S. 913 is in the Commerce Committee. Privacy bills in the House: H.R. 2577, "Data Breach of 2011;" H.R. 611, the "Best PRACTICES Act of 2011;" and H.R. 1528, the "Consumer Privacy Act of 2011" are in the Energy and Commerce Committee; H.R. 653, the "Financial Information Privacy Act of 2011" is in the Financial Services Committee.

Patents/Intellectual Property - worked to reduce auto repair costs for consumers by supporting legislation permitting the use of repair parts that are not manufactured by the vehicle's original manufacturer. H.R. 1249, the Leahy-Smith America Invents Act, which is now Public Law No. 112-29, amends federal patents law to define the "effective filing date" of a claimed invention as the actual filing date of the patent or the application of patent containing a claim to the invention except as specified.

Several postal reform measures have been introduced: H.R. 2309/S. 1625 "Postal Reform Act of 2011;" S. 1010 Postal Operations Sustainment and Transformation Act of 2011;" S. 353, "U.S. Postal Service Improvements Act of 2011;" S. 261, "Federal Employees Compensation Reform Act of 2011;" and H.R. 2884, "USPS Retiree Health Benefits Prepayment Extension Act." The Postal Service issued an advanced notice of proposed rulemaking on September 21, 2011 requesting comments on eliminating overnight service for First-Class Mail and narrowing two-day delivery range and enlarging three-day delivery range.

Improving the efficiency of the current regulatory system, whether by modifying the existing state system, creating an optional federal charter for insurance companies or through the creation of the Federal Office of Insurance Information. The Federal Insurance Office was established by the Dodd Frank Act, P.L. 111-203. Proposals to create an optional federal insurance charter. P.L. 111-203 - the Dodd Frank Wall Street Reform and Consumer Protection Act - establishes a Federal Insurance Office within the Department of Treasury; establishes a "Consumer Financial Protection Bureau;" creates a Financial Stability Oversight Council to regulate systemically important companies; modifies the standards for investment advisors and broker dealers; creates a system for winding down the affairs of failing systemically important companies; and imposes proprietary trading restrictions on financial firms with FDIC depository institutions within their corporate structure. H.R. 1309, drafted by Representative Biggert would reauthorize the National Flood Insurance Program (NFIP) through September 30, 2011; passed in the House. On September 8, the Senate Banking Committee also approved NFIP legislation that has yet to move to Senate floor. On September 29, the House and Senate passed a short-term extension of the NFIP until November 18, 2011. H.R. 1150, "Competitive Health Insurance Reform Act" - The Act would repeal the McCarran-Ferguson Act and grant the Department of Justice and Federal Trade Commission the legal authority to apply antitrust laws to health insurers.

Tax issues related to property and casualty insurance, as well as life insurance as proposed in the President's FY2012 budget proposal; tax reform issues before the 112th Congress. Continuous efforts have been made to enact a financial crisis responsibility fee as part of other legislation.

Legislation, known as the Safe Teen and Novice Driver Uniform Protection (STANDUP) Act, that would provide incentives to states to adopt laws creating graduated driver licensing laws that meet minimum requirements. (H.R. 1515)

H.R. 5623/S. 623, "Sunshine in Litigation Act of 2011," which relates to protective orders, sealing of cases from disclosures of discovery information in civil actions.

Federal Trade Commission's (FTC) proposed rules to implement Public Law 108-159, "Fair and Accurate Credit Transactions Act," that established uniform national standards for certain consumers credit insurance and employment transactions. The FTC and Federal Reserve (Fed) issued studies on the effects of credit scores and credit-based insurance scores on the availability of financial products. The FTC is studying the effects of the use of credit-based insurance scoring as it related to the affordability of homeowners insurance. "Medicare, Medicaid and SCHIP Extension Act of 2007, "PL 110-173 and implementation of CMS Guidelines.

Federal Trade Commission's (FTC) proposed rules to implement Public Law 108-159, "Fair and Accurate Credit Transactions Act," that established uniform national standards for certain consumers credit insurance and employment transactions. The FTC and Federal Reserve (Fed) issued studies on the effects of credit scores and credit-based insurance scores on the availability of financial products. The FTC is studying the effects of the use of credit-based insurance scoring as it relates to the affordability of homeowners insurance. "Medicare, Medicaid and SCHIP Extension Act of 2007," PL 110-173 and implementation of CMS Guidelines.

Legislation to promote federal incentives for states to adopt and enforce statewide building codes. This includes H.R. 2069, the Safe Building Code Incentive Act.

Legislation, known as the Safe Teen and Novice Driver Uniform Protection (STANDUP) Act, that would provide incentives to states to adopt laws creating graduated driver licensing laws that meet minimum requirements. (H.R. 1515)

Improving the efficiency of the current regulatory system, whether by modifying the existing state system, creating an optional federal charter for insurance companies or through the creation of the Federal Office of Insurance Information. The Federal Insurance Office was established by the Dodd Frank Act, P.L. 111-203. Proposals to create an optional federal insurance charter. P.L. 111-203, the Dodd Frank Wall Street Reform and Consumer Protection Act - establishes a Federal Insurance Office within the Department of Treasury; establishes a "Consumer Financial Protection Bureau; creates a Financial Stability Oversight Council to regulate systemically important companies; modifies the standards for investment advisors and broker dealers; creates a system for winding down the affairs of failing systemically important companies; and imposes proprietary trading restrictions on financial firms with FDIC depository institutions within their corporate structure. H.R. 1309, drafted by Representative Biggert would reauthorize the National Flood Insurance Program (NFIP) through September 30, 2016. As it has moved the House, amendments have been raised which would redistribute flood policies with NFIP Direct to Write-Your-Own carriers. Senate hearings also began on NFIP reform and reauthorization. H.R. 1150, "Competitive Health Insurance Reform Act" - The Act would repeal the McCarran-Ferguson Act and grant the Department of Justice and Federal Trade Commission the legal authority to apply antitrust laws to health insurers.

Patents/Intellectual Property - Worked to reduce auto repair costs for consumers by supporting legislation permitting the use of repair parts that are not manufactured by the vehicle's original manufacter. H.R. 1249 - US House of Representatives Leahy - Smith America Invents Act amends federal patent law to define the "effective filing date" of a claimed invention as the acutal filing date of the paten or the application for paten containing a claim to the invention except as specified.

Improving the efficiency of the current regulatory system, whether by modifying the exisiting state system, creating an optional federal charter for insurance companies or through the creation of the Federal Office of Insurance Information. The Federal Insurance Office was incorporated into the Dodd Frank Act, P.L. 111-203. Proposals to create an optional federal insurance charter. P.L. 111-203, the Dodd Frank Wall Street Reform and Consumer Protection Act -- establishes a Federal Insurance Office within the Department of Treasury; establishes a "Consumer Financial Protection Bureau;" creates a Financial Stability Oversight Council to regulate systemically important companies; modifies the standards for investment advisors and broker dealers; creates a system for winding down the affairs of failing systemically important companies; and imposes proprietary trading restrictions on financial firms with FDIC depository institutions within their corporate structure. Congresswoman Biggert's draft legislation on National Flood Insurance Program (NFIP) reforms and reauthorization. H.R. 1150, "Competitive Health Insurance Reform Act" -- The Act would repeal the McCarran-Ferguson Act and grant the Department of Justice and Federal Trade Commission the legal authority to apply antitrust laws to health insurers.

Legislation that would provide incentives to states to adopt laws creating graduated driver licensing laws that meet minimum requirements. (H.R. 1515)

Patents/Intellectual Property -- Worked to reduce auto repair costs for consumers by supporting legislation permitting the use of repair parts that are not manufactured by the vehicle's original manufacter.

The Obama Administration proposed a "Financial Crisis Responsibility Fee" that will be imposed on certain financial institutions with more than $50 billion in assets.

H.R. 5623/S. 623, "Sunshine in Litigation Act of 2011," which relates to protective orders, sealing of cases from disclosures of discovery information in civil actions.

P.L. 111-203 -- the "Dodd Frank Wall Street Reform and Consumer Protection Act," which eliminated the Office of Thrift Supervision, the primary regulator of State Farm Bank and replaces it with the Office of the Comptroller of the Currency, effective July 21, 2011. The legislation modifies the Bank Holding Company Act and the Homeowners Loan Act and provides that all Savings and Loan Holding Companies will be regulated by the Federal Reserve effective July 21, 2011. Also, the legislation created the Financial Stability Oversight Council to identify and regulate systemically important non-bank financial companies. In addition, it created a system for resolving failing systemically important companies. There are assessments associated with this new resolution authority. The Dodd Frank law also directs the Securities and Exchange Commission (SEC) to conduct a study evaluating the different standards of conduct between broker-dealers and investment advisors. This law also instructs the FDIC to change its method of determining deposit insurance premiums and to study the treatment of brokered deposits. It also modifies the rules governering instruments by entities that have an insured depository within their corporate structure (i.e., the Volcker Rule).

Legislation to promote federal incentives for states to adopt and enforce statewide building codes.

H.R. 1895/S. 3269, "The Safe Teen and Novice Driver Uniform Protection Act of 2009," which would provide incentives to states to adopt laws creating graduated driver licensing laws that meet minimum requirements. S. 1938, "Distracted Driving Prevention Act of 2009," which would establish a program to reduce injuries and deaths cause by cell phone use and texting while driving.

Legislation to promote federal incentives for states to adopt and enforce statewide building codes (H.R. 2592, Safe Building Code Incentive Act of 2009" and H.R. 3377, "Disaster Response and Mitigation Enhancement Act of 2009").

H.R. 4173/S. 3217, P.L. 111-203 -- the "Dodd-Frank Wall Street Reform and Consumer Protection Act" which eliminated the Office of Thrift Supervision, the primary regulator of State Farm Bank. The legislation modifies the Bank Holding Company Act and the Homeowners Loan Act. Also, the legislation created the Consumer Financial Protection Bureau. The legislation also created the Financial Stability Oversight Council to identify and regulate systemically important non-bank financial companies. In addition, it created a system for resolving failing systemically important companies. There are assessments associated with this new resolution authority. The Dodd-Frank law also directs the Securities and Exchange Commission (SEC) to conduct a study evaluating the different standards of conduct between broker-dealers and investment advisors.

Improving the efficiency of the current regulatory system, whether by modifying the existing state system, creating an optional federal charter for insurance companies or through the creation of a Federal Office of Insurance Information. The Federal Insurance Office was incorporated into the Dodd-Frank Act, P.L. 111-203. "National Insurance Consumer Protection Act," H.R. 1880 would create an optional federal insurance charter; "Insurance Information Act of 2009," H.R. 2609 - . H.R. 4173/S. 3217, the "Wall Street Reform and Consumer Protection Act/Restoring American Financial Stability Act" (RAFSA), establishes a Federal Insurance Office within the Department of Treasury; establishes a "Consumer Financial Protection Bureau"; creates a Financial Stability Oversight Council to regulate systemically important companies; modifies the standards for investment advisors and broker dealers; creates a system for winding down the affairs of failing systemically important companies; and imposes proprietary trading restrictions on financial firms with FDIC depository institutions within their corporate structure. H.R. 2555, "Homeowners' Defense Act of 2009," Federal Backstop for Natural Catastrophes - The legislation would authorize the Treasury Department to sell catastrophe reinsurance to state catastrophe funds. H.R. 1264, "Multiperil Insurance Act of 2009," - The Act would repeal the McCarran-Ferguson Act and grant the Department of Justice and Federal Trade Commission the legal authority to apply antitrust laws to insurers' anticompetitive behavior. H.R. 1583, "Insurance Industry Competition Act of 2009" - The Act would repeal the McCarran-Ferguson Act and grant the Department of Justice and Federal Trade Commission the legal authority to apply antitrust laws to insurers' anticompetitive behavior.

The Obama Administration proposed a "Financial Crisis Responsibility Fee" that will be imposed on certain financial institutions with more than $50 billion in assets. In addition, this "TARP Tax" or "Bank Tax" was discussed in connection with the financial services regulatory reform legislation (H.R. 4173/S. 3217).

Federal Trade Commission's (FTC) proposed rules to implement Public Law 108-159, "Fair and Accurate Credit Transactions Act," that established uniform national standards for certain consumers credit insurance and employment transactions. FTC matter number P044804, comments on Study of Effects of the Use of Credit Scores and Credit-Based Insurance Scores on the Availability of a Range of Consumer Financial Products and Services. The FTC and Federal Reserve (Fed) issued studies on the effects of credit scores and credit-based insurance scores on the availability of financial products. The FTC's study concentrated on auto insurance. The FTC is studying the effects of the use of credit-based insurance scoring as it relates to the affordability of homeowners insurance. "Medicare, Medicaid and SCHIP Extension Act of 2007," PL 110-173 and implementation of CMS Guidelines.

Patents/Intellectual Property - Worked to reduce auto repair costs for consumers by supporting legislation permitting the use of repair parts that are not manufactured by the vehicle's original manufacter. (H.R. 3059/S. 1368, "Access to Repair Parts Act).

Federal Trade Commission's (FTC) proposed rules to implement Public Law 108-159, "Fair and Accurate Credit Transactions Act," that establishes uniform national standards for certain consumers credit insurance and employment transactions. FTC matter number P044804, comments on Study of the Effects of the Use of Credit Scores and Credit-Based Insurance Scores on the Availability of a Range of Consumer Financial Products and Services. The FTC and Federal Reserve (Fed) issued studies on the effectes of credit scores and credit-based insurance scores on the availability of financial products. The FTC's study concentrated on auto insurance. The FTC is studying the effects of the use of credit-based insurance scoring as it related to the affordability of homeowners insurance. "Medicare, Medicaid and SCHIP Extension Act of 2007," PL 110-73 and implementation of CMS Guidelines.

H.R. 1508 and S. 537, "Sunshine in Litigation Act of 2009," which relate to protective orders, sealing of cases from disclosures of discovery information in civil actions. H.R. 1788 and S. 458, which would expand the "False Claims Act." S. 1504 and H.R. 4115, the "Notice Pleading Restoration Act and the Open Access to Court Act of 2009," which would change civil procedure standards for dismissing lawsuit complaints for failure to state a meritorious claim. H.R. 5503, "Securing Protections for the Injured from Limitations Act," which would amend the Class Action Fairness Act. H.R. 4326, "Attorney-Client Privilege Protection Act," which would limit DOJ requests for privileged information.

Improving the efficiency of the current regulatory system, whether by modifying the existing state system, creating an optional federal charter for insurance companies or through the creation of a Federal Office of Insurance Information. The Federal Insurance Office was incorporated into the Dodd-Frank Act, P.L. 111-203. "National Insurance Consumer Protection Act," H.R. 1880; "Insurance Information Act of 2009," H.R. 2609. H.R. 4173/S. 3217, the "Wall Street Reform and Consumer Protection Act/Restoring American Financial Stability Act" (RAFSA), which would: establish an Office of Insurance Information within the Department of Treasury; establish a "Consumer Financial Protection Bureau"; create a Financial Services Oversight Council to regulate Identified Financial Holding Companies (IFHCs); modify the standards for investment advisors and broker dealers; create a system for winding down the affairs of failing IFHCs (healthy firms with more than $50 billion in assets will be called upon to pay into a pre-funded resolution account); and impose proprietary trading restrictions on financial firms with FDIC depository institutions within their corporate structure. Federal Backstop for Natural Catastrophes - The legislation would authorize the Treasury Department to sell catastrophe reinsurance to state catastrophe funds, the "Homeowners' Defense Act of 2009," H.R. 2555. H.R. 1264, "Multiperil Insurance Act of 2009" - The Act would repeal the McCarran-Ferguson Act and grant the Department of Justice and the Federal Trade Commission the legal authority to apply antitrust laws to insurers' anticompetitive behavior. H.R. 1583, "Insurance Industry Competition Act of 2009" - The Act would repeal the McCarran-Ferguson Act and grant the Department of Justice and the Federal Trade Commission the legal authority to apply antitrust laws to insurers' anticompetitive behavior. Various extensions of the National Flood Insurance Program (NFIP) including the "Legislative Branch Appropriations Act of 2010;" H.R. 3326, "Department of Defense Appropriations Act;" H.R. 5569; the "National Flood Insurance Program Extension Act of 2010;" H.R. 5114, the "Flood Insurance Reform Act," and P.L. 111-250, which reauthorized the NFIP until September 30, 2011.

Patents/Intellectual Property - Worked to reduce auto repair costs for consumers by supporting legislation permitting the use of repair parts that are not manufactured by the vehicle's original manufacturer. (H.R. 3095/S. 1368, "Access to Repair Parts Act").

Working on modifying a provision of the comprehensive housing legislation, Public Law 110-298, the "Housing and Economic Recovery Act of 2008." The Act creates a national licensing system for residential mortgage loan originators.

The Obama Administration has proposed a "Financial Crisis Responsibility Fee" that will be imposed on certain financial institutions with more the $50 billion in assets. In addition, this "TARP Tax" or "Bank Tax" was discussed in connection with the financial services regulatory reform legislation (H.R. 4173/S. 3217).

H.R. 4173 P.L. 111-203, the Dodd-Frank Wall Street Reform and Consumer Protection Act" and S. 3217 call for elimination of the Office of Thrift Supervision, the primary regulator of State Farm Bank. The legislation would modify Bank Holding Company Act and the Homeowners Loan Act. Also, the legislation creates the Consumer Financial Protection Bureau. The legislation also creates a Financial Stability Oversight Council to identify and regulate systemically important non-bank financial companies. In addition, it creates a system for resolving failing systemically important companies. There are assessments associated with this new resolution authority.

Working on modifying a provision of the comprehensive housing legislation, Public Law 110-298, the "Housing and Economic Recovery Act of 2008." The Act creates a national licensing system for residential mortgage loan originators.

Improving the efficiency of the current regulatory system, whether by modifying the existing state system, creating an optional federal charter for insurance companies or through the creation of a Federal Office of Insurance Information. "National Insurance Consumer Protection Act," H.R. 1880; "Insurance Information Act of 2009," H.R. 2609. H.R. 4173/S. 3217, the "Wall Street Reform and Consumer Protection Act/Restoring American Financial Stability Act" (RAFSA), which would: establish an Office of Insurance Information within the Department of Treasury; establish a "Consumer Financial Protection Bureau"; create a Financial Services Oversight Council to regulate Identified Financial Holding Companies (IFHCs); modify the standards for investment advisors and broker dealers; create a system for winding down the affairs of failing IFHCs (healthy firms with more than $50 billion in assets will be called upon to pay into a pre-funded resolution account); and impose proprietary trading restrictions on financial firms with FDIC depository institutions within their corporate structure. Federal Backstop for Natural Catastrophes - The legislation would authorize the Treasury Department to sell catastrophe reinsurance to state catastrophe funds, the "Homeowners' Defense Act of 2009," H.R. 2555. H.R. 1264, "Multiperil Insurance Act of 2009" - The Act would repeal the McCarran-Ferguson Act and grant the Department of Justice and the Federal Trade Commission the legal authority to apply antitrust laws to insurers' anticompetitive behavior. H.R. 1583, "Insurance Industry Competition Act of 2009" - The Act would repeal the McCarran-Ferguson Act and grant the Department of Justice and the Federal Trade Commission the legal authority to apply antitrust laws to insurers' anticompetitive behavior. Various extensions of the National Flood Insurance Program including the "Legislative Branch Appropriation's Act of 2010;" H.R. 3326, "Department of Defense Appropriations Act;" H.R. 5569; the "National Flood Insurance Program Extension Act of 2010;" and H.R. 5114, the "Flood Insurance Reform Act."

Comprehensive health care reform measures to overhaul health care system to provide coverage for all Americans. "Patient Protection and Affordable Care Act," PL 111-148 and the "Health Care and Education Reconsiliation Act," PL 111-143. Working on the implementation of this legislation, including its tax related provisions.

Patents/Intellectual Property - Worked to reduce auto repair costs for consumers by supporting legislation permitting the use of repair parts that are not manufactured by the vehicle's original manufacturer. (H.R. 3095/S. 1368, "Access to Repair Parts Act").

"The Safe Teen and Novice Driver Uniform Protection Act of 2009," which would provide incentives to states to adopt laws creating graduated driver lcensing laws that meet certain minimum requirements. S. 1938, "Distracted Driving Prevention Act of 2009," which would establish a program to reduce injuries and deaths caused by cell phone use and texting while driving.

Legislation to promote federal incentives for states to adopt and enforce statewide building codes. (H.R. 2593, "Safe Building Code Incentive Act of 2009" and H.R. 3377, "Disaster Response and Mitigation Enhancement Act of 2009.") Legislation to promote building code enforcement administration by establishing a competitive Federal matching grant program. H.R. 2246 and 5970, the "Community Building Code Administration Grant Act."

Federal Trade Commission's (FTC) proposed rules to implement Public Law 108-159, "Fair and Accurate Credit Transactions Act," that establishes uniform national standards for certain consumers credit insurance and employment transactions. FTC matter number P044804, comments on Study of the Effects of the Use of Credit Scores and Credit-Based Insurance Scores on the Availability of a Range of Consumer Financial Products and Services. The FTC and Federal Reserve (Fed) issued studies on the effects of credit scores and credit-based insurance scores on the availability of financial products. The FTC's study concentrated on auto insurance. The FTC is studying the effects of the use of credit-based insurance scoring as it related to the affordabilityof homeowners insurance. "Medicare, Medicaid and SCHIP Extension Act of 2007," PL 110-73 and implementation of CMS Guidelines.

H.R. 4173, the "Wall Street Reform and Consumer Protection Act" and S. 3217 call for elimination of the Office of Thrift Supervision, the primary regulator of State Farm Bank. The legislation would modify Bank Holding Company Act and the Homeowners Loan Act. Also, the legislation creates the Consumer Financial Protection Bureau.

H.R. 4173, the "Wall Street Reform and Consumer Protection Act" calls for elimination of the Office of Thrift Supervision, the primary regulator of State Farm Bank. Also, the legislation would modify Bank Holding Company Act and the Homeowners Loan Act.

Legislation to promote federal incentives for states to adopt and enforce statewide building codes. (H.R. 2592, "Safe Building Code Incentive Act of 2009" and H.R. 3377, "Disaster Response, Recovery, and Mitigation Enhancement Act of 2009.") Legislation to promote building code enforcement adminstration by establishing a competitive Federal matching grant program. H.R. 2246 and 5970, the Community Building Code Administration Grant Act.

Federal Trade Commission's (FTC) proposed rules to implement Public Law 108-159, Fair and Accurate Credit Transactions Act that establishes uniform national standards for certain consumers credit insurance and employment transactions. FTC matter number P044804, comments on Study of the Effects of the Use of Credit Scores and Credit-Based Insurance Scores on the Availability of a Range of Consumer Financial Products and Services. The FTC and Federal Reserve (Fed) issued studies on the effects of credit scores and credit-based insurance scores on the availability of financial products. The FTC's study concentrated on auto insurance. The FTC is studying the effects of the use of credit-based insurance scoring as it related to the affordabilityof homeowners insurance. Medicare, Medicaid and SCHIP Extension Act of 2007, PL 110-73 and implementation of CMS Guidelines. National Motor Vehicle Title Information System (NMVTIS) created an electronic means to verify and exchange titling, brand and theft data among motor vehicle administrators, law enforcement officials, prospective purchaser and insurance carriers. NMVTIS regulation requires insurers to submit loss data for national database with Department of Justice.

"The Safe Teen and Novice Driver Uniform Protection Act of 2009," which would provide incentives to states to adopt laws creating graduated driver lcensing laws that meet certain minimum requirements. Distracted Driving - seeking ways to eliminate driving distractions, particualry from electronic devices. S. 1938, "Distracted Driving Prevention Act of 2009," which would establish a program to reduce injuries and deaths caused by cell phone use and texting while driving.

Working on modifying a provision of the comprehensive housing legislation, Public Law 110-298, the "Housing and Economic Recovery Act of 2008." The Act creates a national licensing system for residential mortgage loan originators.

Improving the efficiency of the current regulatory system, whether by modifying the exisitng state system, creating an optional federal charter for insurance companies or through the creation of a Federal Office of Insurance Information. National Insurance Consumer Protection Act, H.R. 1880; Insurance Information Act of 2009, H.R. 2609 H.R. 4173/S. 3217, the Wall Street Reform and Consumer Protection Act/Restoring American Financial Stability Act (RAFSA). Federal Backstop for Natural Catastrophes - support legislation that would authorize the Treasury Department to sell catastrophic reinsurance to state catastrophic funds, the "Homeowners' Defense Act of 2000," H.R. 2555. H.R. 1264, "Multiperil Insurance Act of 2009" - The Act would repeal the McCarran-Ferguson Act and grant the Department of Justice and the Federal Trade Commission the legal authority to apply antitrust laws to insurers' anticompetitive behavior. H.R. 1583, "Insurance Industry Competition Act of 2009" - the Act would repeal the McCarran-Ferguson Act and grant the Department of Justice and the Federal Trade Commission the legal authority to apply antitrust laws to insurers' anticompetitive behavior. H.R. 2609, "Insurance Information Act of 2009" - would establish an Office of Insurance Information within the Department of Treasury. H.R. 3126, "Consumer Financial Protection Agency" - clarify the insurance jurisdiction of this proposed agency (later incorporated into H.R. 4173/S. 3217). "Legislative Branch Appropriation's Act of 2010" - extends the National Flood Insurance Program through October 31, 2009. Systemic Risk Regulation - legislation to create a Financial Services Oversight Council to regulate Identified Financial Holding Companies (IFHCs) (Incorporated into H.R. 4173 and S. 3217). Resolution Authority and Related Assessments - involves creation of a system for winding down the affairs of failing IFHCs. Healthy firms with more than $50 billion in assets will be called upon to pay into a pre-funded resolution account. (Incorporated into H.R. 4173/S. 3217). H.R. 3817, "The Investor Protection Act" - would modify the standards for investment advisors and broker dealers. (Incorporated into H.R. 4173/S. 3217). H.R. 3326, "Department of Defense Appropriations Act" - A provision in the bill reauthorizing the National Flood Insurance program until February 28, 2010. Proprietary Trading Restrictions on Financial firms with FDIC depository institutions within their corporate structure -- RAFSA (S. 3217).

Federal Trade Commission's (FTC) proposed rules to implement Public Law 108-159, Fair and Accurate Credit Transactions Act that establishes uniform national standards for certain consumers credit insurance and employment transactions. FTC matter number P044804, comments on Study of the Effects of the Use of Credit Scores and Credit-Based Insurance Scores on the Availability of a Range of Consumer Financial Products and Services. The FTC and Federal Reserve (Fed) issued studies ont he effects of credit scores and credit-based insurance scores on the availability of financial products. The FTC's study concentrated on auto insurance. The FTC is studiying the effects of the use of credit-based insurance scoring as it related to the affordability of homeowners insurance. Medicare, Medicaid and SCHIP Extension Act of 2007, PL 110-73 and impelmentation of CMS Guidelines. National Motor Vehicle Title Information System (NMVTIS) created an electronic means to verify and exchange titling, brand and theft data among motor vehicle administrators, law enforcement officials, prospective purchaser and insurance carriers. NMVTIS regulation requires insurers to submit loss data for national database with Department of Justice.

H.R. 1020 and S. 931, Arbitration Fairness Act of 2009, which would amend the Federal Arbitration Act, Chapter 1 of Title 9 of the US Code pertaining to consumer, employment and franchise disputes. H.R. 1508 and S. 537, Sunshine in Litigation Act of 2009, which relates to protective orders, sealing of cases from disclosures of discovery information in civil actions. H.R. 1788 and S. 458, which would expand the False Claims Act. H.R. 4115 and S. 1504, which is the "Notice Pleading Restoration Act of 2009 and would change the rules regarding dismissals of lawsuits.

Working on modifying a provision of the comprehensive housing legislation, Public Law 110-289, the "Housing and Economic Recovery Act of 2008." The Act creates a national licensing system for residential mortgage loan originators.

Legislation to promote federal incentives for states to adopt and enforce statewide building codes. (H.R. 2592, "Safe Building Code Incentive Act of 2009" and H.R. 3377, "Disaster Response, Recovery, and Mitigation Enhancement Act of 2009.") Legislation to promote building code enforcement administration by establishing a competitive Federal matching grant program. H.R. 2246 and 5970, the Community Building Code Administration Grant Act.

Improving the efficiency of the current regulatory system, whether by modigying the existing state system, creating an optional federal charter for insruance companies or through the creation of a Federal Office of Insurance Information. National Insurance Consumer Protection Act, H.R. 1880; Insurance Information Act of 2009, H.R. 2609 (incorporated into H.R. 4173, the Wall Street Reform and Consumer Protection Act." Federal Backstop for Natural Catastrophes - Support legislation that would authorize the Treasury Department to sell catastrophic reinsurance to state catastrophic funds, the "Homeowners' Defense Act of 2000," H.R. 2555. H.R. 1264, "Multiperil Insurance Act of 2009." - The Act would repeal the McCarran-Ferguson Act and grant the Department of Justice and the Federal Trade Commission the legal authority to apply antitrust laws to insurers' anticompetitive behavior. H.R. 1583, "Insurance Industry Competition Act of 2009" - the Act would repeal the McCarran-Ferguson Act and grant the Department of Justice and the Federal Trade Commission the legal authority to apply antitrust laws to insurers' anticompetitive behavior. H.R. 2609, "Insurance Information Act of 2009," which would establish an Office of Insurance Information within the Department of Treasury. H.R. 3126, "Consumer Financial Protection Agency" - clarify the insurance jurisdiction of this proposed agency (later incorporated into H.R. 4173) "Legislative Branch Appropriation's Act of 2010" - extends the National Flood Insurance Program through October 31, 2009. Systemic Risk Regulation - legislation to create a Financial Services Oversight Council to regulate Identified Financial Holding Companies (IFHCs) (Incorporated into H.R. 4173). Resolution Authority and Related Assessments - involves creation of a system for winding down the affairs of failing IFHCs. Healthy firms with more than $50 billion in assets will be called upon to pay into a pre-funded resolution account. (Incorporated into the H.R. 4173). "The Investor Protection Act, (H.R. 3817) - would modify the standards for investment advisors and broker dealers. (Incorporated into H.R. 4173) H.R. 3326, "Department of Defense Appropriations Act" - A provision in the bill reauthorizing the National Flood Insurance program until February 28, 2010.

H.R. 4173, the "Wall Street Reform and Consumer Protection Act" calls for elimination of the Office of Thrift Supervision, the promary regulator of State Farm Bank. Also, the legislation would modify Bank Holding Company Act and the Homeowners Loan Act.

"The Safe Teen and Novice Driver Uniform Protection Act of 2009," H.R. 1895, which would provide incentives to states to adopt laws creating graduated driver licensing laws that meet certain minimum requirements. Distracted Driving - seeking ways to eliminate driving distractions, particularly from electronic devices.

Federal Trade Commission's (FTC) proposed rules to implement Public Law 108-159, Fair and Accurate Credit Transactions Act that establishes uniform national standards for certain consumers credit insurance and employment transactions. FTC matter number P044804, comments on Study of the Effects of the Use of Credit Scores and Credit-Based Insurance Scores on the Availability of a Range of Consumer Financial Products and Services. The FTC and Federal Reserve (Fed) issued studies on the effects of credit scores and credit-based insurance scores on the availability of financial products. The FTC's study concentrated on auto insurance. The FTC is studying the effects of the use of credit-based insurance scoring as it related to the affordability of homeowners insurance. Medicare, Medicaid and SCHIP Extension Act of 2007, PL 110-73 and implementation of CMS Guidelines. National Motor Vehicle Title Information System (NMVTIS) created an electronic means to verify and exchange titling, brand and theft data among motor vehicle administrators, law enforcement officials, prospectiive purchaser and insurance carriers. NMVTIS regulation requires insurers to submit loss data for national database with Department of Justice.

Improving the efficiency of the current regulatory system, whether by modifying the existing state system, creating an optional federal charter for insurance companies or through the creation of a Federal Office of Insurance Information. National Insurance Consumer Protection Act, H.R. 1880; Insurance Information Act of 2009, H.R. 2609 Federal Backstop for Natural Catastrophes - Support legislation that would authorize the Treasury Department to sell catastrophic reinsurance to state catastrophic funds, the "Homeowners' Defense Act of 2000," H.R. 2555. H.R. 1264, "Multiperil Insurance Act of 2009." - The Act would authorize the National Flood Insurance Program (NFIP) to sell windstorm coverage. H.R. 1583, "Insurance Industry Competition Act of 2009" - The Act would repeal the McCarran-Ferguson Act and grant the Department of Justice and the Federal Trade Commission the legal authority to apply antitrust laws to insurers' anticompetitive behavior. H.R. 2609, "Insurance Information Act of 2009," which would establish an Office of Insurance Information within the Department of Treasury. H.R. 3126, "Consumer Financial Protection Agency" - clarify the insurance jurisdiction of this proposed agency. "Legislative Branch Appropriation's Act of 2010" - extends the National Flood Insurance Program through October 31, 2009.

Comprehensive health care reform measures to overhaul health care system to provide coverage for all Americans. Senate HELP, Senate Finance and House Tri-Committee are the key committees. Lead bills are H.R. 3200, "America's Affordable Health Care Choices Act;" S. (tbd), "Affordable Health Choices Act" and S. (tbd) "America's Healthy Future Act."

H.R. 1020 and S. 931, Arbitration Fairness Act of 2009, which would amend the Federal Arbitration Act, Chapter 1 of Title 9 of the US Code pertaining to consumer, employment and franchise disputes. H.R. 1508 and S. 537, Sunshine in Litigation Act of 2009, which relates to protective orders, sealing of cases from disclosures of discovery information in civil actions.

Improving the efficiency of the current regulatory system, whether by modifying the existing state system, creating an optional federal charter for insurance companies or through the creation of a Federal Office of Insurance Information. National Insurance Consumer Protection Act, H.R. 1880 Federal Backstop for Natural Catastrophes - Support legislation that would authorize the Treasury Department to sell catastrophic reinsurance to state catastrophe funds, the "Homeowners' Defense Act of 2009," H.R. 2555. The 2009 Omnibus Appropriations Act extends the National Flood Insurance Program (NFIP) through September 2009. H.R. 1264, "Multiperil Insurance Act of 2009." The Act would authorize the National Flood Insurance Program (NFIP) to sell windstorm coverage. H.R. 1583, "Insurance Industry Competition Act of 2009" - The Act would repeal the McCarran-Ferguson Act and grant the Department of Justice and the Federal Trade Commission the legal authority to apply antitrust laws to insurers' anticompetitive behavior. H.R. 2609, "Insurance Information Act of 2009," which would establish an Office of Insurance Information within the Department of Treasury.

Federal Reserve Board's proposed changes to Regulation E with respect to certain acts and practices in connection with overdraft services.

Federal Trade Commission's (FTC) proposed rules to implement Public Law 108-159, Fair and Accurate Credit Transactions Act that establishes uniform national standards for certain consumers credit insurance and employment transactions. FTC matter number P044804, comments on Study of the Effects of the Use of Credit Scores and Credit-Based Insurance Scores on the Availability of a Range of Consumer Financial Products and Services. The FTC and Fed issued studies on the effects of credit scores and credit-based insurance scores on the availability of financial products. The FTC's study concentrated on auto insurance. The FTC is studying the effects of the use of credit-based insurance scoring as it related to the affordability of homeowners insurance. Medicare, Medicaid and SCHIP Extension Act of 2007, PL 110-73 and implementation of CMS Guidelines. National Motor Vehicle Title Information System (NMVTIS) created an electronic means to verify and exchange titling, brand and theft data among motor vehicle administrators, law enforcement officials, prospective purchasers and insurance carriers. NMVTIS regulations require insurers to submit loss data for national database with Department of Justice.

Working on modifying a provision of the comprehensive housing legislation, Public Law 110-289 the "Housing and Economic Recovery Act of 2008." The Act creates a national licensing system for residential mortgage loan originators.

"The Safe Teen and Novice Driver Uniform Protection Act of 2009," H.R. 1895, which would provide incentives to states to adopt laws creating graduated driver licensing laws that meet certain minimum requirements.

Patents/Intellectual Property - Worked to reduce auto repair costs for consumers by supporting legislation permitting the use of repair parts that are not manufactured by the vehicle's original manufacturer. (H.R. 3059/S. 1368 "Access to Repair Parts Act")

HR 1020, Arbitration Fairness Act of 2009, which would amend the Federal Arbitration Act, Chapter 1 of title 9 of the US Code pertaining to consumer, employment and franchise disputes. Proposed amendments to the Civil False Claims Act (FCA) contained in Section 4 of S. 386, "Fraud Enforcement and Recovery Act" (FERA).

Federal Reserve Board's proposed changes to Regulation E with respect to certain acts and practices in connection with overdraft services.

Patents/Intellectual Property - Worked to reduce auto repair costs for consumers by supporting legislation permitting the use of repair parts that are not manufactured by the vehicle's original manufacturer.

Federal Trade Commission's (FTC) proposed rules to implement Public Law 108-159, Fair and Accurate Credit Transactions Act that establishes uniform national standards for certain consumer credit insurance and employment transactions. FTC matter number P044804, comments on Study of the Effects of the Use of Credit Scores and Credit-Based Insurance Scores on the Availability of a Range of Consumer Financial Products and Services. The FTC and Fed issued studies on the effects of credit scores and credit-based insurance scores on the availability of financial products. The FTC's study concentrated on auto insurance. The FTC is studying the effects of the use of credit-based insurance scoring as it relates to the affordability of homeowners insurance. Medicare, Medicaid and SCHIP Extension Act of 2007, PL 110-173 and implementation of CMS Guidelines. National Motor Vehicle Title Information System (NMVTIS) created an electronic means to verify and exchange titling, brand and theft data among motor vehicle administrators, law enforcement officials, prospective purchasers and insurance carriers. NMVTIS regulations requiring insurers to submit loss data for national database with Department of Justice.

Working on modifying a provision of the comprehensive housing legislation, Public Law 110-289 the "Housing and Economic Recovery Act of 2008." The Act creates a national licensing system for residential mortgage loan originators. Monitoring HR 1728, Mortgage Reform and Anti-Predatory Lending Act, which would reform consumer mortgage practices and provide certain minimum standards.

Patents/Intellectual Property - Worked to reduce auto repair costs for consumers by supporting legislation permitting the use of repair parts that are not manufactured by the vehicle's original manufacturer (H.R. 5638).

Catastrophe Savings Accounts/S. 927 - these tax preferred accounts could be used by consumers to accumulate funds to pay for catastrophe losses.

Improving the efficiency of the current regulatory system, whether by modifying the existing state system, creating an optional federal charter for insurance companies or through the creation of a Federal Office of Insurance Information. National Insurance Act of 2007, S. 40/H.R. 3200 Insurance Information Act of 2008, H.R. 5840 Flood Insurance Reform and Modernization Act of 2007, H.R. 1682, and the Flood Insurance Reform Modernization Act of 2007, S. 2284, which would reauthorize the flood program for 5 years and modernize the program (e.g., require that more insureds pay an actuarial price for coverage). Temporary extension of flood program enacted as part of the Continuing Resolution, P.L. 110-329. We have also addressed the related issue of whether companies offering property insurance and related coverage in coastal areas and participating as "Write Your Own" carriers for the National Flood Insurance Program (NFIP) have properly processed claims arising out of the 2005 hurricanes. H.R. 902, the "Multiple Peril Insurance Act of 2007," which would expand the NFIP to provide wind coverage to coastal residents. Federal Backstop for Natural Catastrophe - H.R. 3355, "Homeowners' Defense Act of 2007," which would create a 3-pronged federal backstop for natural catastrophes. Also, the "Homeowners Insurance Protection Act of 2007," H.R. 91/S. 928, would authorize the Treasury Department to sell catastrophic reinsurance to state catastrophe funds. Study Commissions on Natural Catastrophe Insurance (H.R. 5371/S. 292) under these proposals Congress would authorize a commission to study the various disaster insurance ideas to determine which of them represent the best public policy choices. S. 618/H.R. 1081, the "Insurance Industry Competition Act," which would repeal the McCarran-Ferguson Act's antitrust exemption and subject the insurance industry to Federal Trade Commission regulation.

Supported the Cameron Gulbransen Kids and Cars Safety Act of 2007, Public Law 110-189, which addresses safety threats to young children, including; getting caught in automatically closing power window; being struck by backing vehicle because of an unacceptable blindzone; and placing a vehicle in gear that results in an uncontrolled roll away without having to depress the brake.

Examining ways to promote federal incentives for states to adopt and enforce statewide building codes. H.R. 3926, the Safe Building Code Incentive Act of 2007; H.R. 4461 and S. 2458, the Community Building Code Administration Grant Act of 2007.

Working on provision of the comprehensive housing legislation, Public Law 110-289 (H.R. 3221) the "Housing and Economic Recovery Act of 2008". The provision would create a national licensing system for residential mortgage loan originators.

Improving the efficiency of the current regulatory system, whether by modifying the existing state system creating an optional federal charter for insurance companies or through the creation of a Federal Office of Insurance Information. National Insurance Act of 2007, S. 40/H.R. 3200 Insurance Information Act of 2008, H.R. 5840 Implementation of Public Law 110-160, Terrorism Risk Insurance Revision and Extension Act of 2007. Flood Insurance Reform and Modernization Act of 2007, H.R. 1682, and the Flood Insurance Reform Modernization Act of 2007, S. 2284, which would reauthorize the flood program for 5 years and modernize the program (e.g., require that more insureds pay an actuarial price for coverage). Temporary extension of flood program enacted as part of the Continuing Resolution, P.L. 110-329. We have also addressed the related issue of whether companies offering property insurance and related coverage in coastal areas and participating as "Write Your Own" carriers for the National Flood Insurance Program (NFIP) have properly processed claims arising out of the 2005 hurricanes. H.R. 902, the "Multiple Peril Insurance Act of 2007," which would expand the NFIP to provide wind coverage to coastal residents. Federal Backstop for Natural Catastrophe - H.R. 3355, "Homeowners' Defense Act of 2007," which would create a 3-pronged federal backstop for natural catastrophes. Also, the "Homeowners Insurance Protection Act of 2007," H.R. 91/S. 928; would authorize the Treasury Department to sell catastrophic reinsurance to state catastrophe funds. Study Commissions on Natural Catastrophe Insurance (H.R. 5371/S. 292) under these proposals Congress would authoirze a commission to study the various disaster insurance ideas to determine which of them represent the best public policy choices. S. 618/H.R. 1081 - the "Insurance Industry Competition Act," which would repeal the McCarran-Ferguson Act's antitrust exemption and subject the insurance industry to Federal Trade Commission regulation.

Supported the Cameron Gulbransen Kids and Cars Safety Act of 2007, Public Law 110-189, which addresses safety threats to young children, including; getting caught in an automatically closing power window; being struck by backing vehicle because of an unacceptable blindzone; and placing a vehicle in gear that results in an uncontrolled roll away without having to depress the brake.

Federal Trade Commission's (FTC) proposed rules to implement Public Law 108-159, Fair and Accurate Credit Transactions Act, that establishes uniform national standards for certain consumer credit insurance and employment transactions. Nondiscriminatory use of Consumer Reports and Consumer Information Act of 2008, H.R. 5633. Personal Lines of Insurance Fairness Act of 2008, H.R. 6062. FTC matter number P044804, comments on Study of the Effects of the Use of Credit Scores and Credit-Based Insurance Scores of the Availability of a Range of Consumer Financial Products and Services. The FTC and Fed issued studies on the effects of credit scores and credit-based insurance scores on the availability of financial products. The FTC's study concentrated on auto insurance. The FTC will continue studying the effects of the use of credit-based insurance scoring as it relates to the affordability of homeowners insurance.

Catastrophe Savings Accounts/S. 927 - these tax preferred accounts could be used by consumers to accumulate funds to pay for catastrophe losses.

Examining ways to promote federal incentives for states to adopt and enforce statewide building codes. H.R. 3926, the Safe Building Code Incentive Act of 2007; H.R. 4461 and S. 2458, the Community Building Code Administration Grant Act of 2007.

Patents/Intellectual Property - Worked to reduce auto repair costs for consumers by supporting legislation permitting the use of repair parts that are not manufactured by the vehicle's original manufacturer (H.R. 5638).

Working on provision of the comprehensive housing legislation, Public Law 110-289 (H.R. 3221) the Housing and Economic Recovery Act of 2008". The provision would create a national licensing system for residential mortgage loan originators.

Federal Trade Commission's (FTC) proposed rules to implement Public Law 108-159, Fair and Accurate Credit Transactions Act, that establishes uniform national standards for certain consumer credit insurance and employment transactions. Nondiscriminatory use of Consumer Reports and Consumer Information Act of 2008, H.R. 5633. Personal Lines of Insurance Fairness Act of 2008, H.R. 6062. FTC matter number P044804, comments on Study of the Effects of the Use of Credit Scores and Credit-Based Insurance Scores on the Availability of a Range of Consumer Financial Products and Services. The FTC and Fed issued studies on the effects of credit scores and credit-based insurance scores on the availability of financial products. The FTC's study concentrated on auto insurance. The FTC will continue studying the effects of the use of credit-based insurance scoring as it relates to the affordability of homeowners insurance.

Examining ways to promote federal incentives for states to adopt and enforce statewide building codes. H.R. 3926, the Safe Building Code Incentive Act of 2007; H.R. 4461 and S. 2458, the Community Building Code Administration Grant Act of 2007.

Worked on provision of the comprehensive housing legislation, H.R. 3221, the "American Rescue and Foreclosure Prevention Act." The provision would create a national licensing system for residential mortgage loan originators.

Catastrophe Savings Accounts/S. 927 - These tax preferred accounts could be used by consumers to accumulate funds to pay for catastrophe losses.

Patents/Intellectual Property - Worked to reduce auto repair costs for consumers by supporting legislation permitting the use of repair parts that are not manufactured by the vehicle's original manufacturer (H.R. 5638).

Examining ways to promote federal incentives for states to adopt and enforce statewide building codes. H.R. 3926, the Safe Building Code Incentive Act of 2007; H.R. 4461 and S. 2458, the Community Building Code Administration Grant Act of 2007.

Catastrophe Savings Accounts/S. 927 - These tax preferred accounts could be used by consumers to accumulate funds to pay for catastrophe losses.

Patents/Intellectual Property - Worked to reduce auto repair costs for consumers by supporting legislation permitting the use of repair parts that are not manufactured by the vehicle's original manufacturer (H.R. 5638).

Federal Trade Commission's (FTC) propsed rules to implement Public Law 108-159, Fair and Accurate Credit Transactions Act, that establishes uniform national standards for certain consumer credit insurance and employment transactions. Nondiscriminatory use of Consumer Reports and Consumer Information Act of 2008, H.R. 5633 Final rule issued requiring companies to provide a consumer with notice and an opportunity to opt-out before consumer reports are shared with an affiliate for marketing purposes. The FTC and Fed issued studies on the effects of credit scores and credit-based insurance scores on the availability of financial products. The FTC's study concentrated on auto insurance. The FTC will continue studing the effects of the use of credit-based insurance scoring as it relates to the affordability and availability of homeowners insurance. Interagency Proposal for Model Privacy Form under the Gramm-Leach-Bliley Act as required by the Financial Services Regulatory Relief Act of 2006. Rules under consideration RIN 1550-AB86 and RIN 3084-AA94. The FTC and Office of Thrift Supervision have proposed amendments to their rules implementing the privacy provisions of the Gramm-Leach-Bliley Act for financial institutions to provide initial and annual privacy notices to their customers.

Patents/Intellectual Property - Worked to reduce auto repair costs for consumers by supporting legislation permitting the use of repair parts that are not manufactured by the vehicle's originial manufacturer.

* Interagency Proposal for Model Privacy Form under the Gramm-Leach-Bliley Act as required by the Financial Services Regulatory Relief Act of 2006. Interagency Proposal for Model Privacy Form under the Gramm-Leach-Bliley Act as required by the Financial Services Regulatory Relief Act of 2006.

Worked for resolutions commemorating National Teen Driver Safety Week, House concurrent resolution 165 Senate concurrent resolution 36, which is part of an effort to reduce teen highway crashes.

Implementation of Public Law 109-144, Terrorism Risk Insurance Act Extension - extends the TRIA law's provisions for two years. Discussion re further extension of the Act - Terrorism Risk Insurance Revision and Extension Act of 2007, H.R. 2761. Flood Insurance Reform and Modernization Act of 2007, H.R. 1682 and the related issue of whether companies Offering property insurance and related coverage in coastal areas and participating as "Write Your Own" carriers for the National Flood Insurance Program (NFIP) have properly processed claims arising out of the 2005 hurricanes. H.R. 920, the "Multiple Peril Insurance Act of 2007, "which would expand the NFIP to provide wind coverage to coastal residents. Federal Reinsurance for Natural Catastrophes - the "Homeowners Insurance Protection Act of 2007," H.R. 91/S. 928; - Would authorize the Treasurty Department of sell catastrophe reinsurance to state catastrophe funds. Study Commissions on Natural Catastrophe Insurance (H.R. 5371/S. 292) under these proposals Congress would authorize a commission to study the various natural disaster insurance ideas to determine which of them represent the best public policy choices. S. 618, H.R. 1081 -- the "Insurance Industry Competition Act," which would repeal the McCarran Ferguson Act's antitrust exemption and subject the insurance industry to Federal Trade Commission regulation. Improving the efficiency of the current regulatory system, whether by modifying the existing state system or creating an optional federal charter for insurance companies. National Insurance Act of 2007, S. 40

Examining ways to promote a federal incentive for states to adopt and enforce statewide building codes.

R-411006 - would require companies to provide a consumer with notice and an opportunity to opt-out before consumer reports are shared with an affiliate for marketing purposes. Final rule has not been issued. FTC and Federal Reserve Board's (Fed) proposed interim and final rulemaking to implement Public Law 108-159, Fair and Accurate Credit Transactions Act, that estalishes uniform national standards for certain consumer credit insurance and employment transactions. P-044804 and R-1023 require the FTC and Fed to conduct a study on the effects of credit scores and credit-based insurance scores on the availability of financial products. Final study has not been issued. Office of Thrift Supervision's proposed rules to implement Public Law 108-159, Fair and Accurate Credit Transactions Act, that establishes uniform national standards for certain consumer credit, insurance and employment transactions. Docket No. 204-31 would require companies to provide a consumer with notice and an opportunity to opt-out before consumers' reports are shared with an affiliate for marketing purposes. Final rule has not been issued. H.R. 3997, Financial Data Protection Act and S. 3568, Data Security Act of 2006 would impose notice requirements on entities when an individual's sensitive information has been subjected to security breach. Federal Trade Commission's (FTC) proposed rules to implement Public Law 108-159, Fair and Accurate Credit Transactions Act, that establishes uniform national standards for certain consumer credit insurance and employment transactons.

The application of proposed Internal Revenue Code Section 409A regulations on nonqualified deferred compensation. With respect to independent contractor agents and the definition of "separation from service."

guidelines for the federal agencies regulating the industry. S. 2856, a narrower bill, passed and was signed into law 10/31/2006. The legislation was passed by Congress as the Financial Services Regulatory Relief Act of 2006. It is Public Law 109-351. Worked with House Financial Services Committee and Senate Banking Committee on legislation that would modify and/or eliminate a number of outdated laws that govern the financial services industry (banks, thrifts and credit unions) and would establish clearer

Postal Reform, H.R. 22 and S. 662/Public Law 109-435 - reforms the USPS pension system and modernizes our postal system, particularly as related to large corporate users of the system.

Implementation of Public Law 109-144, Terrorism Risk Insurance Act Extension - extends the TRIA law's provisions for two years. Discussion re further extension of the Act. Flood Insurance Modernization and Reform Act of 2006 - H.R. 4973, S. 3589 and the related issue of whether companies participating as "Write Your Own" carriers for the National Flood Insurance Program have properly processed claims arising out of the 2005 hurricanes. Improving the efficiency of the current regulatory system, whether by modifying the existing state system or creating an optional federal charter for insurance companies. National Insurance Act of 2006 - S. 2509/H.S. 6225.

H.R. 2830, Pension Protection Act would reform outdated worker pension laws to protect the interests of workers, retirees and taxpayers. Passed in House, December 15, 2005. Passed by Senate, March 3, 2006. Included in Pension Reform Act of 2006, Public Law 109-280.

S. 852, Fairness in Asbestos Injury Resolution Act of 2005 would establish a trust fund, financed from contributions made by defendant companies and insurers, to pay claims arising from physical injuries linked to asbestos.