CHRISTOPHER GAHAN

INS - Third Quarter 2026 H.R. 4583 and H.R. 4582/S.1552 - Living Donor Protection Act. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. H.R. 3503 - Kidney Donation Anti-Discrimination Act. The bill would prohibit life insurance providers from discriminating based on a persons status as a living kidney donor. Issue: underwriting.

Retirement - Third Quarter 2026 Income Security S. 2415 and H.R. 7107, the Long-Term Care Affordability Act: Would allow for tax free distributions from retirement accounts to fund LTC contracts.

INS Quarter 3 2025 H.R. 4583 and H.R. 4582/S.1552 - Living Donor Protection Act. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. H.R. 3503 - Kidney Donation Anti-Discrimination Act. The bill would prohibit life insurance providers from discriminating based on a persons status as a living kidney donor. Issue: underwriting. Issus: FSOC nonbank guidance rule. Issue: private equitys growing role in the insurance industry. Issue: Housing Finance Reform. No bill number assigned.

Retirement Security, Q3 2025 Income Security S. 2415 and H.R. 7107, the Long-Term Care Affordability Act: Would allow for tax free distributions from retirement accounts to fund LTC contracts.

Tax Quarter 3 2025 HR 1 - The One Big Beautiful Bill Act Issues related to the reduction or elimination of state and local tax deductions for businesses.

INS - Quarter 2 2025 H.R. 643 - Federal Insurance Office Elimination Act. To eliminate the Federal Insurance Office of the Department of the Treasury. Issue: FIO Reform. S. 1544/H.R. 3437 - Insurance Data Protection Act. To prohibit the Federal Insurance Office of the Department of the Treasury and other financial regulators from collecting data directly from an insurance company. Issue: FIO Reform H.R. 3503 - Kidney Donation Anti-Discrimination Act. The bill would prohibit life insurance providers from discriminating based on a persons status as a living kidney donor. Issue: underwriting. Issus: FSOC nonbank guidance rule. Issue: private equitys growing role in the insurance industry. Issue: S&P proposal on the methodology that is used to rate insurance companies. Issue: Housing Finance Reform. No bill number assigned.

Retirement Security Quarter 2 2025 Income Security S. 2415 and H.R. 7107, the Long-Term Care Affordability Act: Would allow for tax free distributions from retirement accounts to fund LTC contracts.

FIN - Quarter 1 2025 Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Insurance Capital Standards Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Basel III Implementation of S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. H.R.__/S.__ - Richard L. Trumka Protecting the Right to Organize Act. To amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959. Issue: independent contractor status. Issue: FHLBank System Issue: Basel III Issue: Regulation Best Interest Issue: Government Sponsored Enterprises (GSE) reform. No bill number assigned.

INS - Quarter 1 2025 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Insurance Capital Standards. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Basel III H.R. __S.__ - Living Donor Protection Act. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. H.R. __ - Kidney Donation Anti-Discrimination Act. The bill would prohibit life insurance providers from discriminating based on a persons status as a living kidney donor. Issue: underwriting. Issue: S&P proposal on the methodology that is used to rate insurance companies. Issue: Housing Finance Reform. No bill number assigned.

RET - Quarter 1 2025 Income Security S. 2415 and H.R. 7107, the Long-Term Care Affordability Act: Would allow for tax free distributions from retirement accounts to fund LTC contracts.

TAX - Quarter 1 2025 Life Insurance Tax Stabilization Proposal (no bill introduced yet) Issues related to the tax treatment of life insurance reserves and deferred acquisition costs (DAC) Issues related to the reduction or elimination of state and local tax deductions for businesses.

INS - Quarter 4 2024 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Insurance Capital Standards and Global Capital Standards. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards H.R. 2923/S. 1384 - Living Donor Protection Act. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. H.R. 9840 - Kidney Donation Anti-Discrimination Act. The bill would prohibit life insurance providers from discriminating based on a persons status as a living kidney donor. Issue: underwriting. Issue: private equitys growing role in the insurance industry. Issue: S&P proposal on the methodology that is used to rate insurance companies. Issue: Request for information from Congress regarding the diversity and inclusion information in the insurance industry. Issue: Housing Finance Reform. No bill number assigned.

TAX - Quarter 4 2024 S.__ - Protecting Proper Life Insurance from (PPLI) Abuse Act. This bill would restrict the use of private placement life insurance. Life Insurance Tax Stabilization Proposal (no bill introduced yet) Build Back Better Act (H.R. 5376) Wyden Tax Wealth Like Wages (mark-to-market) discussion paper (no bill introduced yet) S. 2415 - 117th Congress (2021-2022) H.R. 7107 - 117th Congress (2021-2022) Inflation Reduction Act of 2022 H.R. 5376 - 117th Congress (2021-2022) Private Placement Life Insurance (no bill introduced yet)

CSP - Quarter 4 2024 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation, Global Capital Standards and Regulatory reform. S. 744 - Data Care Act. The legislation would establish duties of care, loyalty, and confidentiality, and a violation of the duties would be treated as a violation of a Federal Trade Commission (FTC) rule with fine authority. Issue: Data Privacy H.R. 1165 Data Privacy Act of 2023 - The bill amends Title V of the Gramm-Leach-Bliley Act (GLBA) to include a number of new consumer protections, establishing requirements for covered entities to disclose the types and uses for data being collected, along with an opt-out function. The legislation, which would preempt state law, also mandates more transparent and easily understandable privacy terms and conditions. Issue: Data Privacy H.R. 2701 Online Privacy Act - The legislation would provide for individual rights relating to privacy of personal information, to establish privacy and security requirements for covered entities relating to personal information, and to establish an agency to be known as the Digital Privacy Agency to enforce such rights and requirements. Issue: Data Privacy H.R. 4311/S. 2121 DELETE Act - This bill would establish a centralized system to allow individuals to request the simultaneous deletion of their personal information across all data brokers. Issue: Data Privacy. H.R. 5628/S.2892 - Algorithmic Accountability Act. This bill would direct the Federal Trade Commission to require impact assessments of automated decision systems and augmented critical decision processes. Issue: Algorithmic Accountability. H.R.___ - Data Privacy Act of 2023. The bill amends Title V of the Gramm-Leach-Bliley Act (GLBA) to include a number of new consumer protections, establishing requirements for covered entities to disclose the types and uses for data being collected, along with an opt-out function. The legislation, which would preempt state law, also mandates more transparent and easily understandable privacy terms and conditions. Issue: Data Privacy H.R. 8818 - American Privacy Rights Act. The bill establishes protections for covered data of individuals. Issue: Data Privacy S. 5152 - Artificial Intelligence Civil Rights Act. The bill would establish protections for individual rights with respect to computational algorithms. Issue: Artificial Intelligence (AI). H.R. 10263 - Responsible AI Disclosure Act. The bill would require the Federal financial agencies to carry out a study and report on standardized descriptions for vendor-provided artificial intelligence systems. Issue: Artificial Intelligence (AI). H.Res.1600 - Expressing the sense of the House of Representatives with respect to the use of artificial intelligence in the financial services and housing industries. Issue: Artificial Intelligence (AI). H.R. 10262 - Analysis and Improvement (AI) Act of 2024. The bill would require the financial regulators to carry out studies on the realized and potential benefits of artificial intelligence. Issue: Artificial Intelligence (AI). H.R.___ and S.___ - Draft data privacy legislation. Issue: Data Privacy H.R. __ - Draft cybersecurity legislation. Issue: Cybersecurity Issue: Artificial Intelligence (AI). Issue: Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

Retirement Security, Quarter 4 2024 1. H.J. Res 142, S.J. Res 79 Fiduciary Rule Congressional Review Act: A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Labor relating to "Retirement Security Rule: Definition of an Investment Advice Fiduciary" Income Security S. 2415 and H.R. 7107, the Long-Term Care Affordability Act: Would allow for tax free distributions from retirement accounts to fund LTC contracts.

INS - Quarter 3 2024 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Insurance Capital Standards and Global Capital Standards. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issue: Remote Online Notarization. H.R. 2923/S. 1384 - Living Donor Protection Act. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. H.R. 9840 - Kidney Donation Anti-Discrimination Act. The bill would prohibit life insurance providers from discriminating based on a persons status as a living kidney donor. Issue: underwriting. Issue: S&P proposal on the methodology that is used to rate insurance companies. Issue: Housing Finance Reform. No bill number assigned.

Retirement Security, Quarter 3 2024 1. H.J. Res 142, S.J. Res 79 Fiduciary Rule Congressional Review Act: A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Labor relating to "Retirement Security Rule: Definition of an Investment Advice Fiduciary" Income Security S. 2415 and H.R. 7107, the Long-Term Care Affordability Act: Would allow for tax free distributions from retirement accounts to fund LTC contracts. H.R. 133, Both provisions are in the larger bill.

CSP - Quarter 3 2024 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation, Global Capital Standards and Regulatory reform. S. 744 - Data Care Act. The legislation would establish duties of care, loyalty, and confidentiality, and a violation of the duties would be treated as a violation of a Federal Trade Commission (FTC) rule with fine authority. Issue: Data Privacy H.R. 1165 Data Privacy Act of 2023 - The bill amends Title V of the Gramm-Leach-Bliley Act (GLBA) to include a number of new consumer protections, establishing requirements for covered entities to disclose the types and uses for data being collected, along with an opt-out function. The legislation, which would preempt state law, also mandates more transparent and easily understandable privacy terms and conditions. Issue: Data Privacy H.R. 2701 Online Privacy Act - The legislation would provide for individual rights relating to privacy of personal information, to establish privacy and security requirements for covered entities relating to personal information, and to establish an agency to be known as the Digital Privacy Agency to enforce such rights and requirements. Issue: Data Privacy H.R. 4311/S. 2121 DELETE Act - This bill would establish a centralized system to allow individuals to request the simultaneous deletion of their personal information across all data brokers. Issue: Data Privacy. H.R. 5628/S.2892 - Algorithmic Accountability Act. This bill would direct the Federal Trade Commission to require impact assessments of automated decision systems and augmented critical decision processes. Issue: Algorithmic Accountability. H.R.___ - Data Privacy Act of 2023. The bill amends Title V of the Gramm-Leach-Bliley Act (GLBA) to include a number of new consumer protections, establishing requirements for covered entities to disclose the types and uses for data being collected, along with an opt-out function. The legislation, which would preempt state law, also mandates more transparent and easily understandable privacy terms and conditions. Issue: Data Privacy H.R. 8818 - American Privacy Rights Act. The bill establishes protections for covered data of individuals. Issue: Data Privacy S. 5152 - Artificial Intelligence Civil Rights Act. The bill would establish protections for individual rights with respect to computational algorithms. Issue: Artificial Intelligence (AI). H.R.___ and S.___ - Draft data privacy legislation. Issue: Data Privacy H.R. __ - Draft cybersecurity legislation. Issue: Cybersecurity Issue: Artificial Intelligence (AI). Issue: Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

TAX - Quarter 3 2024 Life Insurance Tax Stabilization Proposal (no bill introduced yet) Build Back Better Act (H.R. 5376) Wyden Tax Wealth Like Wages (mark-to-market) discussion paper (no bill introduced yet) Long Term Care Suozzi WISH ACT H.R.4289 - 117th Congress (2021-2022) WISH Act Long-Term Care Affordability Act S. 2415 - 117th Congress (2021-2022) H.R. 7107 - 117th Congress (2021-2022) Inflation Reduction Act of 2022

TAX - Quarter 2 2024 OT bill - Secure Family Futures Act of 2023, or H.R. 5707 Life Insurance Tax Stabilization Proposal (no bill introduced yet) Ordinary Treatment of Bonds (Senate Wyden Modernization of Derivatives Act) S.2621 - 117th Congress (2021-2022) Modernization of Derivatives Tax Act of 2021 Build Back Better Act (H.R. 5376) Wyden Tax Wealth Like Wages (mark-to-market) discussion paper (no bill introduced yet) Long Term Care Suozzi WISH ACT H.R.4289 - 117th Congress (2021-2022) WISH Act Long-Term Care Affordability Act S. 2415 - 117th Congress (2021-2022) H.R. 7107 - 117th Congress (2021-2022) Inflation Reduction Act of 2022 H.R. 5376 - 117th Congress (2021-2022)

CSP - Quarter 2 2024 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation, Global Capital Standards and Regulatory reform. S. 744 - Data Care Act. The legislation would establish duties of care, loyalty, and confidentiality, and a violation of the duties would be treated as a violation of a Federal Trade Commission (FTC) rule with fine authority. Issue: Data Privacy H.R. 1165 Data Privacy Act of 2023 - The bill amends Title V of the Gramm-Leach-Bliley Act (GLBA) to include a number of new consumer protections, establishing requirements for covered entities to disclose the types and uses for data being collected, along with an opt-out function. The legislation, which would preempt state law, also mandates more transparent and easily understandable privacy terms and conditions. Issue: Data Privacy H.R. 2701 Online Privacy Act - The legislation would provide for individual rights relating to privacy of personal information, to establish privacy and security requirements for covered entities relating to personal information, and to establish an agency to be known as the Digital Privacy Agency to enforce such rights and requirements. Issue: Data Privacy H.R. 4311/S. 2121 DELETE Act - This bill would establish a centralized system to allow individuals to request the simultaneous deletion of their personal information across all data brokers. Issue: Data Privacy. H.R. 5628/S.2892 - Algorithmic Accountability Act. This bill would direct the Federal Trade Commission to require impact assessments of automated decision systems and augmented critical decision processes. Issue: Algorithmic Accountability. H.R.___ - Data Privacy Act of 2023. The bill amends Title V of the Gramm-Leach-Bliley Act (GLBA) to include a number of new consumer protections, establishing requirements for covered entities to disclose the types and uses for data being collected, along with an opt-out function. The legislation, which would preempt state law, also mandates more transparent and easily understandable privacy terms and conditions. Issue: Data Privacy H.R. 8818 - American Privacy Rights Act. The bill establishes protections for covered data of individuals. Issue: Data Privacy H.R.___ and S.___ - Draft data privacy legislation. Issue: Data Privacy H.R. __ - Draft cybersecurity legislation. Issue: Cybersecurity Issue: Artificial Intelligence (AI). Issue: Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

FIN - Quarter 2 2024 Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Insurance Capital Standards and Global Capital Standards. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Implementation of S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issue: Remote Online Notarization. H.R. 20/S.567 - Richard L. Trumka Protecting the Right to Organize Act of 2023. To amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959. Issue: independent contractor status. H.R.1059/S. 1212 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act. To authorize and establish minimum standards for electronic and remote notarizations that occur in or affect interstate commerce, to require any Federal court located in a State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce, and to require any State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce or when the notarization was performed under or relates to a public act, record, or judicial proceeding of the State in which the notary public was commissioned. Issue: remote online notarization. S. 3735 - Protecting Innovation in Investment Act - To prohibit the Securities and Exchange Commission from finalizing, implementing, or enforcing a proposed rule with respect to conflicts of interest associated with the use of predictive data analytics by broker-dealers and investment advisers. Issue: Predictive data analytics. Issue: FHLBank System Issue: Basel III Issue: Regulation Best Interest Issue: Government Sponsored Enterprises (GSE) reform. No bill number assigned.

INS - Quarter 2 2024 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Insurance Capital Standards and Global Capital Standards. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issue: Remote Online Notarization. H.R. 2923/S. 1384 - Living Donor Protection Act. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. Issus: FSOC nonbank guidance rule. Issue: private equitys growing role in the insurance industry. Issue: S&P proposal on the methodology that is used to rate insurance companies. Issue: Housing Finance Reform. No bill number assigned.

FIN - Quarter 1 2024 H.R.2891/S. 1323 SAFE Banking Act of 2023 - This bill would create protections for financial institutions that provide financial services to State-sanctioned marijuana businesses and service providers for such businesses. Issue: Cannabis legislation S. 2860 - SAFER Banking Act - This bill would create protections for financial institutions that provide financial services to State-sanctioned marijuana businesses and service providers for such businesses. Issue: Cannabis legislation. Issue: FHLBank System Issue: Basel III Issue: Regulation Best Interest

CSP - Quarter 1 2024 S. 744 - Data Care Act. The legislation would establish duties of care, loyalty, and confidentiality, and a violation of the duties would be treated as a violation of a Federal Trade Commission (FTC) rule with fine authority. Issue: Data Privacy H.R. 1165 Data Privacy Act of 2023 - The bill amends Title V of the Gramm-Leach-Bliley Act (GLBA) to include a number of new consumer protections, establishing requirements for covered entities to disclose the types and uses for data being collected, along with an opt-out function. The legislation, which would preempt state law, also mandates more transparent and easily understandable privacy terms and conditions. Issue: Data Privacy H.R. 2701 Online Privacy Act - The legislation would provide for individual rights relating to privacy of personal information, to establish privacy and security requirements for covered entities relating to personal information, and to establish an agency to be known as the Digital Privacy Agency to enforce such rights and requirements. Issue: Data Privacy H.R. 4311/S. 2121 DELETE Act - This bill would establish a centralized system to allow individuals to request the simultaneous deletion of their personal information across all data brokers. Issue: Data Privacy. H.R.___ - Data Privacy Act of 2023. The bill amends Title V of the Gramm-Leach-Bliley Act (GLBA) to include a number of new consumer protections, establishing requirements for covered entities to disclose the types and uses for data being collected, along with an opt-out function. The legislation, which would preempt state law, also mandates more transparent and easily understandable privacy terms and conditions. Issue: Data Privacy S.___ - American Privacy Rights Act. The bill establishes protections for covered data of individuals. Issue: Data Privacy H.R.___ and S.___ - Draft data privacy legislation. Issue: Data Privacy H.R. __ - Draft cybersecurity legislation. Issue: Cybersecurity Issue: Artificial Intelligence (AI). Issue: Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

CSP - Quarter 4 2023 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation, Global Capital Standards and Regulatory reform. S. 744 - Data Care Act. The legislation would establish duties of care, loyalty, and confidentiality, and a violation of the duties would be treated as a violation of a Federal Trade Commission (FTC) rule with fine authority. Issue: Data Privacy H.R. 1165 Data Privacy Act of 2023 - The bill amends Title V of the Gramm-Leach-Bliley Act (GLBA) to include a number of new consumer protections, establishing requirements for covered entities to disclose the types and uses for data being collected, along with an opt-out function. The legislation, which would preempt state law, also mandates more transparent and easily understandable privacy terms and conditions. Issue: Data Privacy H.R. 2701 Online Privacy Act - The legislation would provide for individual rights relating to privacy of personal information, to establish privacy and security requirements for covered entities relating to personal information, and to establish an agency to be known as the Digital Privacy Agency to enforce such rights and requirements. Issue: Data Privacy H.R. 4311/S. 2121 DELETE Act - This bill would establish a centralized system to allow individuals to request the simultaneous deletion of their personal information across all data brokers. Issue: Data Privacy. H.R. 5628/S.2892 - Algorithmic Accountability Act. This bill would direct the Federal Trade Commission to require impact assessments of automated decision systems and augmented critical decision processes. Issue: Algorithmic Accountability. H.R.___ - Data Privacy Act of 2023. The bill amends Title V of the Gramm-Leach-Bliley Act (GLBA) to include a number of new consumer protections, establishing requirements for covered entities to disclose the types and uses for data being collected, along with an opt-out function. The legislation, which would preempt state law, also mandates more transparent and easily understandable privacy terms and conditions. Issue: Data Privacy H.R.___ and S.___ - Draft data privacy legislation. Issue: Data Privacy H.R. __ - Draft cybersecurity legislation. Issue: Cybersecurity Issue: Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

INS - Quarter 4 2023 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Insurance Capital Standards and Global Capital Standards. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Endgame Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issue: Remote Online Notarization H.R. 2923/S. 1384 - Living Donor Protection Act. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. Issue: private equitys growing role in the insurance industry. Issue: S&P proposal on the methodology that is used to rate insurance companies. Issue: Request for information from Congress regarding the diversity and inclusion information in the insurance industry. Issue: Housing Finance Reform. No bill number assigned.

RET - Quarter 4 2023 SECURE 2.0 Technical Corrections Discussion Draft: Legislative language that will amend SECURE 2.0 to make technical changes to a variety of provisions. Income Security S. 2415 and H.R. 7107, the Long-Term Care Affordability Act: Would allow for tax free distributions from retirement accounts to fund LTC contracts.

TAX - Quarter 4 2023 OT bill - Secure Family Futures Act of 2023, or H.R. 5707 Life Insurance Tax Stabilization Proposal (no bill introduced yet) Ordinary Treatment of Bonds (Senate Wyden Modernization of Derivatives Act) o S.2621 - 117th Congress (2021-2022) Modernization of Derivatives Tax Act of 2021 Build Back Better Act (H.R. 5376) Wyden Tax Wealth Like Wages (mark-to-market) discussion paper (no bill introduced yet) Long Term Care Suozzi WISH ACT o H.R.4289 - 117th Congress (2021-2022) WISH Act Long-Term Care Affordability Act o S. 2415 - 117th Congress (2021-2022) o H.R. 7107 - 117th Congress (2021-2022) Inflation Reduction Act of 2022 o H.R. 5376 - 117th Congress (2021-2022)

CPS - Quarter 3 2023 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation, Global Capital Standards and Regulatory reform. S. 744 - Data Care Act. The legislation would establish duties of care, loyalty, and confidentiality, and a violation of the duties would be treated as a violation of a Federal Trade Commission (FTC) rule with fine authority. Issue: Data Privacy H.R. 1165 Data Privacy Act of 2023 - The bill amends Title V of the Gramm-Leach-Bliley Act (GLBA) to include a number of new consumer protections, establishing requirements for covered entities to disclose the types and uses for data being collected, along with an opt-out function. The legislation, which would preempt state law, also mandates more transparent and easily understandable privacy terms and conditions. Issue: Data Privacy H.R. 2701 Online Privacy Act - The legislation would provide for individual rights relating to privacy of personal information, to establish privacy and security requirements for covered entities relating to personal information, and to establish an agency to be known as the Digital Privacy Agency to enforce such rights and requirements. Issue: Data Privacy H.R. 4311/S. 2121 DELETE Act - This bill would establish a centralized system to allow individuals to request the simultaneous deletion of their personal information across all data brokers. Issue: Data Privacy. H.R.___ - Data Privacy Act of 2023. The bill amends Title V of the Gramm-Leach-Bliley Act (GLBA) to include a number of new consumer protections, establishing requirements for covered entities to disclose the types and uses for data being collected, along with an opt-out function. The legislation, which would preempt state law, also mandates more transparent and easily understandable privacy terms and conditions. Issue: Data Privacy H.R.___ and S.___ - Draft data privacy legislation. Issue: Data Privacy H.R. __ - Draft cybersecurity legislation. Issue: Cybersecurity Issue: Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

FIN - Quarter 3 2023 Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Implementation of S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. H.R. 20/S.567 - Richard L. Trumka Protecting the Right to Organize Act of 2023. To amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959. Issue: independent contractor status. H.R.1059/S. 1212 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act. To authorize and establish minimum standards for electronic and remote notarizations that occur in or affect interstate commerce, to require any Federal court located in a State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce, and to require any State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce or when the notarization was performed under or relates to a public act, record, or judicial proceeding of the State in which the notary public was commissioned. Issue: remote online notarization. H.R.2891/S. 1323 SAFE Banking Act of 2023 - This bill would create protections for financial institutions that provide financial services to State-sanctioned marijuana businesses and service providers for such businesses. Issue: Cannabis legislation S. 2860 - SAFER Banking Act - This bill would create protections for financial institutions that provide financial services to State-sanctioned marijuana businesses and service providers for such businesses. Issue: Cannabis legislation. Issue: FHLBank System Issue: Regulation Best Interest Issue: Environmental, Social, and Corporate Governance (ESG). No bill number assigned. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Government Sponsored Enterprises (GSE) reform. No bill number assigned.

INS - Quarter 3 2023 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III H.R. 2923/S. 1384 - Living Donor Protection Act. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. Issue: private equitys growing role in the insurance industry. Issue: S&P proposal on the methodology that is used to rate insurance companies. Issue: Housing Finance Reform. No bill number assigned.

FIN - Quarter 2 2023 Implementation of S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. H.R. 20/S.567 - Richard L. Trumka Protecting the Right to Organize Act of 2023. To amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959. Issue: independent contractor status. H.R.1059/S. 1212 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act. To authorize and establish minimum standards for electronic and remote notarizations that occur in or affect interstate commerce, to require any Federal court located in a State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce, and to require any State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce or when the notarization was performed under or relates to a public act, record, or judicial proceeding of the State in which the notary public was commissioned. Issue: remote online notarization. H.R.2891/S. 1323 SAFE Banking Act of 2023 - This bill would create protections for financial institutions that provide financial services to State-sanctioned marijuana businesses and service providers for such businesses. Issue: cannabis Issue: Cannabis legislation Issue: FHLBank System Issue: Regulation Best Interest Issue: Environmental, Social, and Corporate Governance (ESG). No bill number assigned. Issue: Making Diversity and Inclusion Efforts more Intentional. No bill number assigned. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Government Sponsored Enterprises (GSE) reform. No bill number assigned.

INS - Quarter 2 2023 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. H.R. 2923/S. 1384 Living Donor Protection Act. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. Issue: private equitys growing role in the insurance industry. Issue: S&P proposal on the methodology that is used to rate insurance companies. Issue: Request for information from Congress regarding the diversity and inclusion information in the insurance industry. Issue: Housing Finance Reform. No bill number assigned.

RET - Quarter 2 2023 1.SECURE 2.0 Technical Corrections: Legislative language that will amend SECURE 2.0 to make technical changes to a variety of provision. Income Security S. 2415 and H.R. 7107, the Long-Term Care Affordability Act: Would allow for tax free distributions from retirement accounts to fund LTC contracts.

TAX - Quarter 2 2023 Life Insurance Tax Stabilization Proposal (no bill introduced yet) Ordinary Treatment of Bonds (Senate Wyden Modernization of Derivatives Act) o S.2621 - 117th Congress (2021-2022) Modernization of Derivatives Tax Act of 2021 Build Back Better Act (H.R. 5376) Wyden Tax Wealth Like Wages (mark-to-market) discussion paper (no bill introduced yet) Long Term Care Suozzi WISH ACT o H.R.4289 - 117th Congress (2021-2022) WISH Act Long-Term Care Affordability Act o S. 2415 - 117th Congress (2021-2022) o H.R. 7107 - 117th Congress (2021-2022) Inflation Reduction Act of 2022 o H.R. 5376 - 117th Congress (2021-2022)

TAX - Quarter 2 2023 Life Insurance Tax Stabilization Proposal (no bill introduced yet) Ordinary Treatment of Bonds (Senate Wyden Modernization of Derivatives Act) o S.2621 - 117th Congress (2021-2022) Modernization of Derivatives Tax Act of 2021 Build Back Better Act (H.R. 5376) Wyden Tax Wealth Like Wages (mark-to-market) discussion paper (no bill introduced yet) Long Term Care Suozzi WISH ACT o H.R.4289 - 117th Congress (2021-2022) WISH Act Long-Term Care Affordability Act o S. 2415 - 117th Congress (2021-2022) o H.R. 7107 - 117th Congress (2021-2022) Inflation Reduction Act of 2022 o H.R. 5376 - 117th Congress (2021-2022)

INS - Quarter 2 2023 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. H.R. 2923/S. 1384 Living Donor Protection Act. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. Issue: private equitys growing role in the insurance industry. Issue: S&P proposal on the methodology that is used to rate insurance companies. Issue: Request for information from Congress regarding the diversity and inclusion information in the insurance industry. Issue: Housing Finance Reform. No bill number assigned.

CSP - Quarter 2 2023 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation, Global Capital Standards and Regulatory reform. S. 744 - Data Care Act. The legislation would establish duties of care, loyalty, and confidentiality, and a violation of the duties would be treated as a violation of a Federal Trade Commission (FTC) rule with fine authority. Issue: Data Privacy H.R. 1165 Data Privacy Act of 2023 - The bill amends Title V of the Gramm-Leach-Bliley Act (GLBA) to include a number of new consumer protections, establishing requirements for covered entities to disclose the types and uses for data being collected, along with an opt-out function. The legislation, which would preempt state law, also mandates more transparent and easily understandable privacy terms and conditions. Issue: Data Privacy H.R. 2701 Online Privacy Act - The legislation would provide for individual rights relating to privacy of personal information, to establish privacy and security requirements for covered entities relating to personal information, and to establish an agency to be known as the Digital Privacy Agency to enforce such rights and requirements. Issue: Data Privacy H.R. 4311/S. 2121 DELETE Act - This bill would establish a centralized system to allow individuals to request the simultaneous deletion of their personal information across all data brokers. Issue: Data Privacy. H.R.___ and S.___ - Draft data privacy legislation. Issue: Data Privacy H.R. __ - Draft cybersecurity legislation. Issue: Cybersecurity Issue: Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

INS - Quarter 1 2023 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issue: Remote Online Notarization. H.R _/S._ Living Donor Protection Act. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. Issue: private equitys growing role in the insurance industry. Issue: S&P proposal on the methodology that is used to rate insurance companies. Issue: Request for information from Congress regarding the diversity and inclusion information in the insurance industry. Issue: Housing Finance Reform. No bill number assigned.

TAX - Quarter 1 2023 Life Insurance Tax Stabilization Proposal (no bill introduced yet) Ordinary Treatment of Bonds (Senate Wyden Modernization of Derivatives Act) o S.2621 - 117th Congress (2021-2022) Modernization of Derivatives Tax Act of 2021 Build Back Better Act (H.R. 5376) Wyden Tax Wealth Like Wages (mark-to-market) discussion paper (no bill introduced yet) Long Term Care Suozzi WISH ACT o H.R.4289 - 117th Congress (2021-2022) WISH Act Long-Term Care Affordability Act o S. 2415 - 117th Congress (2021-2022) o H.R. 7107 - 117th Congress (2021-2022) Inflation Reduction Act of 2022 o H.R. 5376 - 117th Congress (2021-2022)

RET - Quarter 1 2023 1.SECURE 2.0 Technical Corrections: Legislative language that will amend SECURE 2.0 to make technical changes to a variety of provision. Income Security S. 2415 and H.R. 7107, the Long-Term Care Affordability Act: Would allow for tax free distributions from retirement accounts to fund LTC contracts.

INS - Quarter 4 2022 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III H.R. 1255/S. 377 - Living Donor Protection Act of 2021. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. S. 862/H.R. 2068 - Clarifying Law Around Insurance of Marijuana Act. To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business. Issue: underwriting, anti-money laundering. H.R. 2617 Consolidated Appropriations Act, 2023. This legislation makes consolidated appropriations for the fiscal year ending September 30, 2023, and for providing emergency assistance for the situation in Ukraine, and for other purposes. Issue: cannabis banking. Issue: private equitys growing role in the insurance industry. Issue: S&P proposal on the methodology that is used to rate insurance companies. Issue: Request for information from Congress regarding the diversity and inclusion information in the insurance industry. Issue: Housing Finance Reform. No bill number assigned.

CSP - Quarter 4 2022 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation, Global Capital Standards and Regulatory reform. H.R. 8152 - American Data Privacy and Protection Act. To provide consumers with foundational data privacy rights, create strong oversight mechanisms, and establish meaningful enforcement. Issue: Data Privacy S. 4000 - Intragovernmental Cybersecurity Information Sharing Act. This bill would require the establishment of cybersecurity information sharing agreements between the Department of Homeland Security and Congress. Issue: Data Privacy H.R. 1816 - Information Transparency and Personal Data Control Act. The legislation, which would preempt state law, would require companies to obtain opt-in consent from users to collect, transmit, sell, share or otherwise disclose their sensitive personal information, which is defined to include financial data, biometric information, geolocation data, citizenship and immigration status, and information from children under 13. Issue: Data Privacy H.R. 4659 and S. 113 - the Browser Act. The measure would require opt-in consent for the collection of sensitive information and opt-out consent for non-sensitive information. Issue: Data Privacy H.R. 2039 and S. 1209 - Protecting Investors Personally Identifiable Information Act. The bill would require the Securities and Exchange Commission (SEC) to obtain investors sensitive information from their stockbroker if needed instead of automatically storing every investors sensitive personal data in the agencys new Consolidated Audit Trail (CAT) database. Issue: Data Privacy S. 919 - Data Care Act. The legislation would establish duties of care, loyalty, and confidentiality, and a violation of the duties would be treated as a violation of a Federal Trade Commission (FTC) rule with fine authority. Issue: Data Privacy S. 1494 - Consumer Data Privacy and Security Act. The bill would establish a preemptive federal privacy standard. The legislation would provide users with the rights to access, correction, deletion, and it would also require businesses that collect and process a significant amount of personal data to take extra precautionary steps to protect such data. Issue: Data Privacy S. 2134 - Data Protection Act of 2021. The measure would create the Data Protection Agency (DPA), an independent federal agency tasked with protecting Americans privacy. Issue: Data Privacy S. 3195 - Consumer Online Privacy Rights Act. This bill places requirements on entities that process or transfer a consumer's data. Issue: Data Privacy. H.R. 5807 and S. 3065 - DATA Privacy Act. A bill to establish national data privacy standards in the United States. Issue: Data Privacy H.R. 6027 - Online Privacy Act. The bill, which would provide users with the rights to access, correction, and deletion and establish the Digital Privacy Agency (DPA). Issue: Data Privacy H.R. 5440 and S. 2875 - Cyber Incident Reporting for Critical Infrastructure Act. To amend the Homeland Security Act of 2002 to establish the Cyber Incident Review Office in the Cybersecurity and Infrastructure Security Agency of the Department of Homeland Security. Issue: Data Privacy S. 2499 - Setting an American Framework to Ensure Data Access, Transparency and Accountability (SAFE DATA) Act. This bill establishes various requirements relating to the collection of consumer data, data transparency and security, and corporate accountability, including limiting the amount of data a covered entity may collect. Issue: Data Privacy H.R. 6580/S.3572 - Algorithmic Accountability Act of 2022. To direct the Federal Trade Commission to require impact assessments of automated decision systems and augmented critical decision processes, and for other purposes. Issue: Data Privacy. S. 1667 - Social Media Privacy Protection and Consumer Rights Act. This bill requires online platform operators to inform a user, prior to a user creating an account or otherwise using the platform, that the user's personal data produced during online behavior will be collected and used by the operator and third parties. The operator must provide a user the option to specify privacy preferences, and an operator may deny certain services or complete access to a user if the user's privacy elections create inoperability in the platform. Issue: Data Privacy. H.R. 9588 - Consumer Information Notification Requirement Act. This bill would codify breach notification requirements for financial institutions in the Gramm Leach Bliley Act and establish preemption of state law for data security and breach notification requirements. Issue: Data Privacy H.R. __ - To amend the Gramm-Leach-Bliley Act to {modernize the protection of the nonpublic personal information of consumers}. Issue: Data Privacy H.R. __ - Control Our Data Act. The bill would preempt state privacy laws and be enforceable by the Federal Trade Commission (FTC) and state attorneys general. Issue: Data Privacy H.___ and S.___ - Draft data privacy legislation. Issue: Data Privacy Issue: Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

FIN - Quarter 4 2022 Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Implementation of S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. H.R. 1996/S. 910 - Secure and Fair Enforcement Banking Act. Issue: Insurance companies working with legitimate marijuana businesses. H.R. 4521 - America COMPETES Act of 2022. This bill addresses U.S. technology and communications, foreign relations and national security, domestic manufacturing, education, trade, and other matters. Issue: Insurance companies working with legitimate marijuana businesses. H.R. 842/S.420 - Protecting Workers Freedom to Organize Act. To amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959. Issue: independent contractor status. H.R. 1523/S. 526 - Modern Worker Empowerment Act. To amend the Fair Labor Standards Act of 1938 to harmonize the definition of employee with the common law. Issue: employee status. H.R.3962/S.1625 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act. To authorize and establish minimum standards for electronic and remote notarizations that occur in or affect interstate commerce, to require any Federal court located in a State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce, and to require any State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce or when the notarization was performed under or relates to a public act, record, or judicial proceeding of the State in which the notary public was commissioned. Issue: remote online notarization. H.R. 4350 - National Defense Authorization Act for Fiscal Year 2022. This bill authorizes FY2022 appropriations for military activities and programs of the Department of Defense (e.g., personnel; research, development, test, and evaluation; and procurement of items such as aircraft, missiles, and ammunition). It also prescribes military personnel strengths for FY2022. Issue: remote online notarization and cannabis banking. H.R. 4616/S. 3779 - To deem certain references to the London Interbank Offered Rate (LIBOR) as referring to a replacement benchmark rate in the case of LIBOR no longer being available. Issue: LIBOR. H.R. 2471 - Consolidated Appropriations Act, 2022. This bill provides appropriations to federal agencies for the remainder of FY2022, provides supplemental appropriations for activities to support Ukraine, and modifies or establishes various programs that address a wide range of policy areas. Issue: LIBOR. S. 3715 - Electronic Signatures in Global and National Commerce Act. To amend the Electronic Signatures in Global and National Commerce Act to accommodate emerging technologies. Issue: electronic signatures. S.Con.Res.14 - Concurrent Resolution on the Budget, FY2022. The budget resolution calls for the $3.5 trillion in long-term investments to be fully offset by a combination of new tax revenues, health care savings, and long-term economic growth. In addition, the agreement would prohibit new taxes on families making less than $400,000 per year, and on small businesses and family farms. Issue: unemployment insurance. H.R. 2617 Consolidated Appropriations Act, 2023. This legislation makes consolidated appropriations for the fiscal year ending September 30, 2023, and for providing emergency assistance for the situation in Ukraine, and for other purposes. Issue: registration for index linked annuities; cannabis banking. Issue: Cannabis legislation Issue: FHLBank System Issue: Regulation Best Interest Issue: Environmental, Social, and Corporate Governance (ESG). No bill number assigned. Issue: Commercial mortgage-backed security (CMBS) debt. No bill number assigned. Issue: Making Diversity and Inclusion Efforts more Intentional. No bill number assigned. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Government Sponsored Enterprises (GSE) reform. No bill number assigned.

INS - Quarter 3 2022 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. H.R. 1255/S. 377 - Living Donor Protection Act of 2021. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. S. 862/H.R. 2068 - Clarifying Law Around Insurance of Marijuana Act. To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business. Issue: underwriting, anti-money laundering. Issue: private equitys growing role in the insurance industry. Issue: S&P proposal on the methodology that is used to rate insurance companies. Issue: Request for information from Congress regarding the diversity and inclusion information in the insurance industry. Issue: Housing Finance Reform. No bill number assigned.

Retirement Security - Quarter 3 2022 1.H.R. 2954, Securing a Strong Retirement Act (SECURE 2.0) / Retirement Security and Savings Act: Comprehensive retirement savings legislation. 2. The Enhancing American Retirement Now (EARN) Act: Builds upon S. 1770 with additional retirement provisions. Considered the Senate version of SECURE 2.0. 3. S. 2415 and H.R. 7107, the Long-Term Care Affordability Act: Would allow for tax free distributions from retirement accounts to fund LTC contracts. Income Security The Enhancing American Retirement Now (EARN) Act: Builds upon S. 1770 with additional retirement provisions. Considered the Senate version of SECURE 2.0. S. 2415 and H.R. 7107, the Long-Term Care Affordability Act: Would allow for tax free distributions from retirement accounts to fund LTC contracts.

CSP - Quarter 3 2022 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation, Global Capital Standards and Regulatory reform. H.R. 8152 - American Data Privacy and Protection Act. To provide consumers with foundational data privacy rights, create strong oversight mechanisms, and establish meaningful enforcement. Issue: Data Privacy H.R. 1816 - Information Transparency and Personal Data Control Act. The legislation, which would preempt state law, would require companies to obtain opt-in consent from users to collect, transmit, sell, share or otherwise disclose their sensitive personal information, which is defined to include financial data, biometric information, geolocation data, citizenship and immigration status, and information from children under 13. Issue: Data Privacy S. 919 - Data Care Act. The legislation would establish duties of care, loyalty, and confidentiality, and a violation of the duties would be treated as a violation of a Federal Trade Commission (FTC) rule with fine authority. Issue: Data Privacy S. 1494 - Consumer Data Privacy and Security Act. The bill would establish a preemptive federal privacy standard. The legislation would provide users with the rights to access, correction, deletion, and it would also require businesses that collect and process a significant amount of personal data to take extra precautionary steps to protect such data. Issue: Data Privacy S. 2134 - Data Protection Act of 2021. The measure would create the Data Protection Agency (DPA), an independent federal agency tasked with protecting Americans privacy. Issue: Data Privacy S. 3195 - Consumer Online Privacy Rights Act. This bill places requirements on entities that process or transfer a consumer's data. Issue: Data Privacy. H.R. 5807 and S. 3065 - DATA Privacy Act. A bill to establish national data privacy standards in the United States. Issue: Data Privacy H.R. 6027 - Online Privacy Act. The bill, which would provide users with the rights to access, correction, and deletion and establish the Digital Privacy Agency (DPA). Issue: Data Privacy H.R. 5440 and S. 2875 - Cyber Incident Reporting for Critical Infrastructure Act. To amend the Homeland Security Act of 2002 to establish the Cyber Incident Review Office in the Cybersecurity and Infrastructure Security Agency of the Department of Homeland Security. Issue: Data Privacy S. 2499 - Setting an American Framework to Ensure Data Access, Transparency and Accountability (SAFE DATA) Act. This bill establishes various requirements relating to the collection of consumer data, data transparency and security, and corporate accountability, including limiting the amount of data a covered entity may collect. Issue: Data Privacy H.R. 6580/S.3572 - Algorithmic Accountability Act of 2022. To direct the Federal Trade Commission to require impact assessments of automated decision systems and augmented critical decision processes, and for other purposes. Issue: Data Privacy. H.R. __ - To amend the Gramm-Leach-Bliley Act to {modernize the protection of the nonpublic personal information of consumers}. Issue: Data Privacy H.R. __ - Control Our Data Act. The bill would preempt state privacy laws and be enforceable by the Federal Trade Commission (FTC) and state attorneys general. Issue: Data Privacy H.___ and S.___ - Draft data privacy legislation. Issue: Data Privacy Issue: Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

TAX - 3rd Quarter 2022 Life Insurance Tax Stabilization Proposal (no bill introduced yet) Ordinary Treatment of Bonds (Senate Wyden Modernization of Derivatives Act) o S.2621 - 117th Congress (2021-2022) Modernization of Derivatives Tax Act of 2021 Build Back Better Act (H.R. 5376) Wyden Tax Wealth Like Wages (mark-to-market) discussion paper (no bill introduced yet) Long Term Care Suozzi WISH ACT o H.R.4289 - 117th Congress (2021-2022) WISH Act Long-Term Care Affordability Act o S. 2415 - 117th Congress (2021-2022) o H.R. 7107 - 117th Congress (2021-2022) Inflation Reduction Act of 2022 o H.R. 5376 - 117th Congress (2021-2022)

CSP -Quarter 2 2022 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation, Global Capital Standards and Regulatory reform. H.R. 8152 - American Data Privacy and Protection Act. To provide consumers with foundational data privacy rights, create strong oversight mechanisms, and establish meaningful enforcement. Issue: Data Privacy H.R. 1816 - Information Transparency and Personal Data Control Act. The legislation, which would preempt state law, would require companies to obtain opt-in consent from users to collect, transmit, sell, share or otherwise disclose their sensitive personal information, which is defined to include financial data, biometric information, geolocation data, citizenship and immigration status, and information from children under 13. Issue: Data Privacy H.R. 4659 and S. 113 - the Browser Act. The measure would require opt-in consent for the collection of sensitive information and opt-out consent for non-sensitive information. Issue: Data Privacy S. 919 - Data Care Act. The legislation would establish duties of care, loyalty, and confidentiality, and a violation of the duties would be treated as a violation of a Federal Trade Commission (FTC) rule with fine authority. Issue: Data Privacy S. 1494 - Consumer Data Privacy and Security Act. The bill would establish a preemptive federal privacy standard. The legislation would provide users with the rights to access, correction, deletion, and it would also require businesses that collect and process a significant amount of personal data to take extra precautionary steps to protect such data. Issue: Data Privacy S. 2134 - Data Protection Act of 2021. The measure would create the Data Protection Agency (DPA), an independent federal agency tasked with protecting Americans privacy. Issue: Data Privacy S. 3195 - Consumer Online Privacy Rights Act. This bill places requirements on entities that process or transfer a consumer's data. Issue: Data Privacy. H.R. 5807 and S. 3065 - DATA Privacy Act. A bill to establish national data privacy standards in the United States. Issue: Data Privacy H.R. 6027 - Online Privacy Act. The bill, which would provide users with the rights to access, correction, and deletion and establish the Digital Privacy Agency (DPA). Issue: Data Privacy H.R. 5440 and S. 2875 - Cyber Incident Reporting for Critical Infrastructure Act. To amend the Homeland Security Act of 2002 to establish the Cyber Incident Review Office in the Cybersecurity and Infrastructure Security Agency of the Department of Homeland Security. Issue: Data Privacy S. 2499 - Setting an American Framework to Ensure Data Access, Transparency and Accountability (SAFE DATA) Act. This bill establishes various requirements relating to the collection of consumer data, data transparency and security, and corporate accountability, including limiting the amount of data a covered entity may collect. Issue: Data Privacy H.R. 6580/S.3572 - Algorithmic Accountability Act of 2022. To direct the Federal Trade Commission to require impact assessments of automated decision systems and augmented critical decision processes, and for other purposes. Issue: Data Privacy. H.R. __ - To amend the Gramm-Leach-Bliley Act to {modernize the protection of the nonpublic personal information of consumers}. Issue: Data Privacy H.R. __ - Control Our Data Act. The bill would preempt state privacy laws and be enforceable by the Federal Trade Commission (FTC) and state attorneys general. Issue: Data Privacy H.___ and S.___ - Draft data privacy legislation. Issue: Data Privacy Issue: Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

INS -Quarter 2 2022 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Insurance Capital Standards and Global Capital Standards. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards H.R. 1255/S. 377 - Living Donor Protection Act of 2021. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. S. 862/H.R. 2068 - Clarifying Law Around Insurance of Marijuana Act. To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business. Issue: underwriting, anti-money laundering. Issue: private equitys growing role in the insurance industry. Issue: S&P proposal on the methodology that is used to rate insurance companies. Issue: Request for information from Congress regarding the diversity and inclusion information in the insurance industry. Issue: Housing Finance Reform. No bill number assigned. Issue: Final margin rules for uncleared swaps transactions with respect to seeded investment funds. No bill number assigned.

TAX -Quarter 1 2022 Life Insurance Tax Stabilization Proposal (no bill introduced yet) Ordinary Treatment of Bonds (Senate Wyden Modernization of Derivatives Act o S.2621 - 117th Congress (2021-2022) Modernization of Derivatives Tax Act of 2021 Infrastructure package (Bipartisan Infrastructure Package) Build Back Better Act (H.R. 5376) Wyden Tax Wealth Like Wages (mark-to-market) discussion paper (no bill introduced yet) Long Term Care Suozzi WISH ACT o H.R.4289 - 117th Congress (2021-2022) WISH Act

INS - First Quarter 2022 H.R. 1255/S. 377 - Living Donor Protection Act of 2021. The bill would promote and protect from discrimination living organ donors. Issue: underwriting.

FIN - Quarter 1 2022 Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Implementation of S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. H.R. 1996/S. 910 - Secure and Fair Enforcement Banking Act. Issue: Insurance companies working with legitimate marijuana businesses. H.R. 4521 - America COMPETES Act of 2022. This bill addresses U.S. technology and communications, foreign relations and national security, domestic manufacturing, education, trade, and other matters. Issue: Insurance companies working with legitimate marijuana businesses. H.R. 842/S.420 - Protecting Workers Freedom to Organize Act. To amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959. Issue: independent contractor status. H.R. 1523/S. 526 - Modern Worker Empowerment Act. To amend the Fair Labor Standards Act of 1938 to harmonize the definition of employee with the common law. Issue: employee status. H.R.3962/S.1625 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act. To authorize and establish minimum standards for electronic and remote notarizations that occur in or affect interstate commerce, to require any Federal court located in a State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce, and to require any State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce or when the notarization was performed under or relates to a public act, record, or judicial proceeding of the State in which the notary public was commissioned. Issue: remote online notarization. H.R. 4350 - National Defense Authorization Act for Fiscal Year 2022. This bill authorizes FY2022 appropriations for military activities and programs of the Department of Defense (e.g., personnel; research, development, test, and evaluation; and procurement of items such as aircraft, missiles, and ammunition). It also prescribes military personnel strengths for FY2022. Issue: remote online notarization and cannabis banking. H.R. 4616/S. 3779 - To deem certain references to the London Interbank Offered Rate (LIBOR) as referring to a replacement benchmark rate in the case of LIBOR no longer being available. Issue: LIBOR. H.R. 2471 - Consolidated Appropriations Act, 2022. This bill provides appropriations to federal agencies for the remainder of FY2022, provides supplemental appropriations for activities to support Ukraine, and modifies or establishes various programs that address a wide range of policy areas. Issue: LIBOR. S. 3715 - Electronic Signatures in Global and National Commerce Act. To amend the Electronic Signatures in Global and National Commerce Act to accommodate emerging technologies. Issue: electronic signatures. Issue: Regulation Best Interest Issue: Environmental, Social, and Corporate Governance (ESG). No bill number assigned. Issue: Government Sponsored Enterprises (GSE) reform. No bill number assigned.

CSP - Fourth Quarter 2021 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation, Global Capital Standards and Regulatory reform. H.R. __ - Control Our Data Act. The bill would preempt state privacy laws and be enforceable by the Federal Trade Commission (FTC) and state attorneys general. Issue: Data Privacy H.___ and S.___ - Draft data privacy legislation. Issue: Data Privacy H.R. 1816 - Information Transparency and Personal Data Control Act. The legislation, which would preempt state law, would require companies to obtain opt-in consent from users to collect, transmit, sell, share or otherwise disclose their sensitive personal information, which is defined to include financial data, biometric information, geolocation data, citizenship and immigration status, and information from children under 13. Issue: Data Privacy H.R. 5807 and S. 3065 - DATA Privacy Act. A bill to establish national data privacy standards in the United States. Issue: Data Privacy H.R. 6027 - Online Privacy Act. The bill, which would provide users with the rights to access, correction, and deletion and establish the Digital Privacy Agency (DPA). Issue: Data Privacy H.R. 5440 and S. 2875 - Cyber Incident Reporting for Critical Infrastructure Act. To amend the Homeland Security Act of 2002 to establish the Cyber Incident Review Office in the Cybersecurity and Infrastructure Security Agency of the Department of Homeland Security. Issue: Data Privacy S. 919 - Data Care Act. The legislation would establish duties of care, loyalty, and confidentiality, and a violation of the duties would be treated as a violation of a Federal Trade Commission (FTC) rule with fine authority. Issue: Data Privacy S. 1494 - Consumer Data Privacy and Security Act. The bill would establish a preemptive federal privacy standard. The legislation would provide users with the rights to access, correction, deletion, and it would also require businesses that collect and process a significant amount of personal data to take extra precautionary steps to protect such data. Issue: Data Privacy S. 2134 - Data Protection Act of 2021. The measure would create the Data Protection Agency (DPA), an independent federal agency tasked with protecting Americans privacy. Issue: Data Privacy Issue: Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

INS - Fourth Quarter 2021 H.R. 1255/S. 377 - Living Donor Protection Act of 2021. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. Issue: Housing Finance Reform. No bill number assigned.

TAX - Third Quarter 2021 Life Insurance Tax Stabilization Proposal (no bill introduced yet) Ordinary Treatment of Bonds (Senate Wyden Modernization of Derivatives Act) o S.2621 - 117th Congress (2021-2022) Modernization of Derivatives Tax Act of 2021 Infrastructure package (Bipartisan Infrastructure Package) o Build Back Better Act (No bill on congress.gov) Reconciliation (House bill marked up in House Budget Committee) o Build Back Better Act (No bill on congress.gov) Direct Bond Payment Programs (Sewell LIFT Act; Bennet/Wicker American Infrastructure Bonds Act) o H.R.2634 - 117th Congress (2021-2022) LIFT Act o S.1308 - 117th Congress (2021-2022) American Infrastructure Bonds Act of 2021 Wyden Tax Wealth Like Wages (mark-to-market) discussion paper (no bill introduced yet) Long Term Care Suozzi WISH ACT o H.R.4289 - 117th Congress (2021-2022) WISH Act

INS - Third Quarter 2021 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III H.R. 1255/S. 377 - Living Donor Protection Act of 2021. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. S. 862/H.R. 2068 - Clarifying Law Around Insurance of Marijuana Act. To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business. Issue: underwriting, anti-money laundering. Issue: Housing Finance Reform. No bill number assigned.

INS - First Quarter 2021 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issue: Remote Online Notarization, SBA loans. H.R. 1255/S. 377 - Living Donor Protection Act of 2021. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. S. 862/H.R. 2068 - Clarifying Law Around Insurance of Marijuana Act. To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business. Issue: underwriting, anti-money laundering. Issue: Housing Finance Reform. No bill number assigned. Issue: Final margin rules for uncleared swaps transactions with respect to seeded investment funds. No bill number assigned.

TAX - Second Quarter 2021 Life Insurance Tax Stabilization Proposal (no bill introduced yet) Ordinary Treatment of Bonds (no bill introduced) Infrastructure package (no bill introduced yet) Direct Bond Payment Programs (Sewell LIFT Act; Bennet/Wicker American Infrastructure Bonds Act) Wyden Tax Wealth Like Wages (mark-to-market) discussion paper (no bill introduced yet) Long Term Care Suozzi WISH ACT

TAX - First Quarter 2021 Life Insurance Product and Tax Stabilization Proposals (no bill introduced yet) Ordinary Treatment of Bonds (no bill introduced) Infrastructure package (no bill introduced yet) Wyden Tax Wealth Like Wages (mark-to-market) discussion paper (no bill introduced yet) Long Term Care WISH ACT proposal (no bill introduced yet)

INS - First Quarter 2021 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issue: Remote Online Notarization, SBA loans. H.R. 1255/S. 377 - Living Donor Protection Act of 2021. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. S. 862/H.R. 2068 - Clarifying Law Around Insurance of Marijuana Act. To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business. Issue: underwriting, anti-money laundering. Issue: Housing Finance Reform. No bill number assigned.

CSP - First Quarter 2021 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation, Global Capital Standards and Regulatory reform. H.R. 1816 - Information Transparency and Personal Data Control Act. Issue: Data Privacy H.___ and S.___ - Draft data privacy legislation. Issue: Data Privacy Issue: Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

FIN - Fourth Quarter 2020 Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issue: CECL, TDR, Remote Online Notarization, SBA loans. Implementation of S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III H.R. 1595/S. 1200 - Secure and Fair Enforcement Banking Act. Issue: Insurance companies working with legitimate marijuana businesses. H.R. 2474/S.664 - Protecting Workers Freedom to Organize Act. To amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959. Issue: independent contractor status. H.R. 3351- Financial Services and General Government Appropriations Act, 2020. Issue: Making appropriations for financial services and general government for the fiscal year ending September 30, 2020. H.R. 3561/S. 603 - Financial Stability Oversight Council Improvement Act of 2019. Issue: FSOC reform. H.R. 3614 - Restricting Use of Credit Checks for Employment Decisions Act. Issue: ban the use of credit information for most employment decisions. H.R. 7809 - Helping Open Properties Endeavor (HOPE) Act of 2020. This bill establishes an equity facility in the Department of the Treasury to assist commercial mortgage borrowers. Specifically, Treasury must guarantee the purchase by financial institutions of certain equity instruments backed by a commercial mortgage. The bill defines commercial mortgage as a mortgage loan secured by an interest in real property owned for rental income. Borrowers with reduced revenues from their commercial property may qualify for an amount not to exceed 10% of the outstanding amount owed on their commercial mortgage. Issue: Commercial mortgages. H.R.__ - To deem certain references to the London Interbank Offered Rate (LIBOR) as referring to a replacement benchmark rate in the case of LIBOR no longer being available. Issue: LIBOR H.R.__ - Clarity in Credit Score Formation Act. Issue: Establishing clear federal oversight of the development of credit scoring models. S. 3533/H.R. 6364 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2020. To authorize and establish minimum standards for electronic and remote notarizations that occur in or affect interstate commerce, to require any Federal court located in a State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce, and to require any State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce or when the notarization was performed under or relates to a public act, record, or judicial proceeding of the State in which the notary public was commissioned. Issue: remote online notarization. S. 4159 - Electronic Signatures in Global and National Commerce Act. To amend the Electronic Signatures in Global and National Commerce Act to accommodate emerging technologies. Issue: electronic signatures S. 4325 - Business of Insurance Regulatory Reform Act of 2020. Issue: Clarifying that the CFPB does not regulate the business of insurance. Issue: Commercial mortgage-backed security (CMBS) debt. Not bill number assigned. Issue: Making Diversity and Inclusion Efforts more Intentional. No bill number assigned. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Government Sponsored Enterprises (GSE) reform. No bill number assigned.

TAX - Fourth Quarter 2020 HR 5958, the Senior Health Planning Account Act Wyden Tax Wealth Like Wages (mark-to-market) discussion paper (no bill introduced yet) Technical corrections to the Tax Cuts and Jobs Act (bill not introduced) Tax Extenders: H.R. 3301 (no Senate bill introduced yet) Life Insurance Product and Tax Stabilization Proposals (no bill introduced yet) COVID-19 Response Tax Proposals re 7702 and Ordinary Treatment of Bonds (no bill introduced) HR 133, the Consolidated Appropriations Act of 2021

INS - Third Quarter 2020 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issue: Remote Online Notarization and SBA loans. H.R. 1224 - Living Donor Protection Act of 2019. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. H.R. 1832 - Insurance Fairness for First Responders Act of 2019. The bill would establish minimum standards relating to a factor for life insurance eligibility and rates. Issue: underwriting. H.R__.S.__ - Draft legislation regarding Federal Reserve Board supervision of insurance companies. S. 2201/H.R. 4074 - Clarifying Law Around Insurance Of Marijuana Act. To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business. Issue: underwriting, anti-money laundering. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III S.__ - Draft legislation regarding the business of insurance regulatory reform act. Issue: Insurance exclusion from CFPB jurisdiction. Issue: Housing Finance Reform. No bill number assigned.

CSP - Third Quarter 2020 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation, Global Capital Standards and Regulatory reform. H.R. 2013 - Information Transparency and Personal Data Control Act. Issue: Data Privacy H.R. 4978 - Online Privacy Act. Issue: Data Privacy H.___ - Draft data privacy legislation. Issue: Data Privacy S. 4626 - A bill to establish data privacy and data security protections for consumers in the United States. Issue: Data privacy S.___ - United States Consumer Data Privacy Act of 2019. Issue: Data Privacy S.___ - Consumer Online Privacy Rights Act. Issue: Data Privacy S.___- Data Accountability and Transparency Act of 2020. Issue: Data Privacy Issue: Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

TAX - Third Quarter 2020 HR 5958, the Senior Health Planning Account Act Wyden Tax Wealth Like Wages (mark-to-market) discussion paper (no bill introduced yet) Technical corrections to the Tax Cuts and Jobs Act (bill not introduced) Tax Extenders: H.R. 3301 (no Senate bill introduced yet) Life Insurance Product and Tax Stabilization Proposals (no bill introduced yet) COVID-19 Response Tax Proposals re 7702 and Ordinary Treatment of Bonds (no bill introduced)

Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issues: Remote Online Notarization and SBA loans. H.R. 1224/S. 511 - Living Donor Protection Act of 2019. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. H.R. 1832 - Insurance Fairness for First Responders Act of 2019. The bill would establish minimum standards relating to a factor for life insurance eligibility and rates. Issue: underwriting. H.R.__.S.__- Empowering States to Protect Seniors from Bad Actors Act. Issue: Senior Protections H.R__.S.__ - Draft legislation regarding Federal Reserve Board supervision of insurance companies. S. 2201/H.R. 4074 - Clarifying Law Around Insurance Of Marijuana Act. To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business. Issue: underwriting, anti-money laundering. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III S.__ - Draft legislation regarding the business of insurance regulatory reform act. Issue: Insurance exclusion from CFPB jurisdiction. Issue: Housing Finance Reform. No bill number assigned.

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

INS - First Quarter 2020 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issue: Remote Online Notarization and SBA loans. H.R. 1224 - Living Donor Protection Act of 2019. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. H.R. 1832 - Insurance Fairness for First Responders Act of 2019. The bill would establish minimum standards relating to a factor for life insurance eligibility and rates. Issue: underwriting. H.R.__.S.__- Empowering States to Protect Seniors from Bad Actors Act. Issue: Senior Protections H.R__.S.__ - Draft legislation regarding Federal Reserve Board supervision of insurance companies. S. 2201/H.R. 4074 - Clarifying Law Around Insurance Of Marijuana Act. To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business. Issue: underwriting, anti-money laundering. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III S.__ - Draft legislation regarding the business of insurance regulatory reform act. Issue: Insurance exclusion from CFPB jurisdiction. Issue: National Association of Registered Agents and Brokers (NARAB) board. No bill number assigned. Issue: Housing Finance Reform. No bill number assigned. Issue: Final margin rules for uncleared swaps transactions with respect to seeded investment funds. No bill number assigned.

CSP - First Quarter 2020 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation, Global Capital Standards and Regulatory reform. H.R. 2013 - Information Transparency and Personal Data Control Act. Issue: Data Privacy H.R. 4978 - Online Privacy Act. Issue: Data Privacy H.___ - Draft data privacy legislation. Issue: Data Privacy S.___ - To amend the Electronic Signatures in Global and National Commerce Act to accommodate emerging technologies. Issue: Data Privacy S.___ - United States Consumer Data Privacy Act of 2019. Issue: Data Privacy S.___ - Consumer Online Privacy Rights Act. Issue: Data Privacy Issue: Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

INS - Fourth Quarter 2019 Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. H.R. 1224 - Living Donor Protection Act of 2019. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. H.R. 1832 - Insurance Fairness for First Responders Act of 2019. The bill would establish minimum standards relating to a factor for life insurance eligibility and rates. Issue: underwriting. S. 2201/H.R. 4074 - Clarifying Law Around Insurance Of Marijuana Act. To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business. Issue: underwriting, anti-money laundering. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III S.__ - Draft legislation regarding the business of insurance regulatory reform act. Issue: Insurance exclusion from CFPB jurisdiction. H.R.__.S.__- Empowering States to Protect Seniors from Bad Actors Act. Issue: Senior Protections H.R.__.S.__ - Draft legislation regarding Federal Reserve Board supervision of insurance companies. Issue: National Association of Registered Agents and Brokers (NARAB) board. No bill number assigned. Issue: Housing Finance Reform. No bill number assigned. Issue: Final margin rules for uncleared swaps transactions with respect to seeded investment funds. No bill number assigned.

Tax - Fourth Quarter 2019 Wyden Tax Wealth Like Wages (mark-to-market) discussion paper (no bill introduced yet) Technical corrections to the Tax Cuts and Jobs Act (bill not introduced) Tax Extenders: H.R. 3301 (no Senate bill introduced yet) Life Insurance Tax Simplification Proposals (no bill introduced yet)

CSP - Fourth Quarter 2019 Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation, Global Capital Standards and Regulatory reform. H.R. 2013 - Information Transparency and Personal Data Control Act. Issue: Data Privacy H.R. 4978 - Online Privacy Act. Issue: Data Privacy H.___ - Draft data privacy legislation. Issue: Data Privacy S.___ - To amend the Electronic Signatures in Global and National Commerce Act to accommodate emerging technologies. Issue: Data Privacy S.___ - United States Consumer Data Privacy Act of 2019. Issue: Data Privacy S.___ - Consumer Online Privacy Rights Act. Issue: Data Privacy Issue: Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

RET - Fourth Quarter 2019 Retirement Security 1.H.R. 1007 - Retirement Enhancement and Savings Act of 2019 (RESA). Issue: retirement security reforms 2.H.R. 1439 - the Increasing Access to a Secure Retirement Act Issue: Provides a fiduciary safe harbor to the selection of an annuity provider. 3.H.R. 1993 - Providing Retirement Security to Workers in Small Businesses, Cooperatives, and Service Organizations Act of 2019. Issue: Retirement Security, Open Multiple Employer Plans. 4.H.R. 1994 - Setting Every Community Up for Retirement Enhancement Act of 2019 (SECURE). Issue: retirement security reforms 5.H.R. 1997 - the Setting Every Community up for Retirement Act. Issue: retirement security reforms 6.S. 321 - the Retirement Security Act of 2019. Issue: Allows for open MEPs. 7.S. 322 - SIMPLE Plan Modernization Act. Issue: Makes improvements to SIMPLE retirement accounts and ease the transition from a SIMPLE plan to a 401(k) plan. 8.S. 972 - Retirement Enhancement and Savings Act of 2019 (RESA). Issue: retirement security reforms

INS - Third Quarter 2019 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. H.R. 1224 - Living Donor Protection Act of 2019. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. H.R. 1832 - Insurance Fairness for First Responders Act of 2019. The bill would establish minimum standards relating to a factor for life insurance eligibility and rates. Issue: underwriting. H.R. 4634 - Terrorism Risk Insurance Program Reauthorization Act of 2019. To reauthorize the Terrorism Risk Insurance Act of 2002. Issue: Terrorism Risk Insurance. H.R____.S.__ - Draft legislation regarding Federal Reserve Board supervision of insurance companies. S. 2201/H.R. 4074 - Clarifying Law Around Insurance Of Marijuana Act. To create a safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related business. Issue: underwriting, anti-money laundering. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III S.__ - Draft legislation regarding the business of insurance regulatory reform act. Issue: Insurance exclusion from CFPB jurisdiction. Issue: National Association of Registered Agents and Brokers (NARAB) board. No bill number assigned. Issue: Housing Finance Reform. No bill number assigned. Issue: Final margin rules for uncleared swaps transactions with respect to seeded investment funds. No bill number assigned.

RET - 2019 Q3 1.H.R. 1007 - Retirement Enhancement and Savings Act of 2019 (RESA). Issue: retirement security reforms 2.H.R. 1439 - the Increasing Access to a Secure Retirement Act Issue: Provides a fiduciary safe harbor to the selection of an annuity provider. 3.H.R. 1993 - Providing Retirement Security to Workers in Small Businesses, Cooperatives, and Service Organizations Act of 2019. Issue: Retirement Security, Open Multiple Employer Plans. 4.H.R. 1994 - Setting Every Community Up for Retirement Enhancement Act of 2019 (SECURE). Issue: retirement security reforms 5.H.R. 1997 - the Setting Every Community up for Retirement Act. Issue: retirement security reforms 6.S. 321 - the Retirement Security Act of 2019. Issue: Allows for open MEPs. 7.S. 322 - SIMPLE Plan Modernization Act. Issue: Makes improvements to SIMPLE retirement accounts and ease the transition from a SIMPLE plan to a 401(k) plan. 8.S. 972 - Retirement Enhancement and Savings Act of 2019 (RESA). Issue: retirement security reforms 9.S. 1011 - The Small Business Employees Retirement Enhancement Act, Open MEPs. 10. S. 1020 - The Retirement Flexibility Act, Retirement Security, automatic enrollment/escalation. 11. S. 1019 - The Strengthening Financial Security Through Short-Term Savings Act, Retirement Security. Addresses retirement plan leakage. 12. S. 1018 - The Refund to Rainy Day Savings Act, Retirement Savings. Utilizes tax return for retirement savings. 13. S. 1431 - Retirement Security and Savings Act of 2019. Retirement Security. 14. S. 1428 - Retirement Parity for Student Loans Act, Student Loan Retirement Match. 15. S. 2370 - Automatic IRA Act of 2019. The legislation would mandate that most employers that do not offer their employees another type of retirement plan, establish an automatic enrollment, payroll deduction program with contributions withheld from employee pay and contributed to an IRA or retirement bond. 16. Saving for the Future Act. Issue: Mandated retirement account employer match. 17. Bipartisan Budget Act of 2019, Bipartisan Budget Agreement for Fiscal Years 2020 and 2021 agreed to White House and Congress.

CSP - Third Quarter 2019 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation, Global Capital Standards and Regulatory reform. H.R. __ - Online Privacy Act. Issue: Privacy/data security H.R. 2013 - Information Transparency and Personal Data Control Act. Issue: Privacy/data security S.___ - To amend the Electronic Signatures in Global and National Commerce Act to accommodate emerging technologies. Issue: Privacy Issue: Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

FIN - Second Quarter 2019 Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Implementation of S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. H.R. 1815 - SEC Disclosure Effectiveness Test Act. Issue: SEC investor testing. H.R. 1862/S. 1586 - Federal Insurance Office Abolishment Act of 2019. Issue: FIO reform. H.R. 3561/S. 603 - Financial Stability Oversight Council Improvement Act of 2019. Issue: FSOC reform. H.R. 1595/S.___ - Secure and Fair Enforcement Banking Act. Issue: Insurance companies working with legitimate marijuana businesses. H.R. 3351- Financial Services and General Government Appropriations Act, 2020. Issue: Making appropriations for financial services and general government for the fiscal year ending September 30, 2020. H.R. 3614 - Restricting Use of Credit Checks for Employment Decisions Act. Issue: ban the use of credit information for most employment decisions. H.R.__ - Clarity in Credit Score Formation Act. Issue: Establishing clear federal oversight of the development of credit scoring models. Issue: Making Diversity and Inclusion Efforts more Intentional. No bill number assigned. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Government Sponsored Enterprises (GSE) reform. No bill number assigned.

INS - Second Quarter 2019 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III H.R. 1832 - Insurance Fairness for First Responders Act of 2019. The bill would establish minimum standards relating to a factor for life insurance eligibility and rates. Issue: underwriting. H.R. 1224 - Living Donor Protection Act of 2019. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. S.__ - Draft legislation regarding the business of insurance regulatory reform act. Issue: Insurance exclusion from CFPB jurisdiction. H.R__.S.__ - Draft legislation regarding Federal Reserve Board supervision of insurance companies. Issue: National Association of Registered Agents and Brokers (NARAB) board. No bill number assigned.

CSP - Second Quarter 2019 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation, Global Capital Standards and Regulatory reform. H.R. __ - Online Privacy Act. Issue: Privacy/data security H.R. 2013 - Information Transparency and Personal Data Control Act. Issue: Privacy/data security Issue: Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

CSP First Quarter Report - 2019 Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation, Global Capital Standards and Regulatory reform. Issue: Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

RET - First Quarter Report - 2019 H.R. 1007 - Retirement Enhancement and Savings Act of 2019 (RESA). Issue: retirement security reforms H.R. 1439 - the Increasing Access to a Secure Retirement Act Issue: Provides a fiduciary safe harbor to the selection of an annuity provider. H.R. 1993 - Providing Retirement Security to Workers in Small Businesses, Cooperatives, and Service Organizations Act of 2019. Issue: Retirement Security, Open Multiple Employer Plans. H.R. 1994 - Setting Every Community Up for Retirement Enhancement Act of 2019 (SECURE). Issue: retirement security reforms S. 321 - the Retirement Security Act of 2019. Issue: Allows for open MEPs. S. 322 - SIMPLE Plan Modernization Act. Issue: Makes improvements to SIMPLE retirement accounts and ease the transition from a SIMPLE plan to a 401(k) plan. S. 972 - Retirement Enhancement and Savings Act of 2019 (RESA). Issue: retirement security reforms Saving for the Future Act. Issue: Mandated retirement account employer match.

FIN - First Quarter Report - 2019 Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. H.R. 1815 - SEC Disclosure Effectiveness Test Act. Issue: SEC investor testing. H.R. 1862 - Federal Insurance Office Abolishment Act of 2019. Issue: FIO reform. S. 603 - Financial Stability Oversight Council Improvement Act of 2019. Issue FSOC reform. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Implementation of S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Government Sponsored Enterprises (GSE) reform. No bill number assigned.

RET - Fourth Quarter Report - 2018 H.R. 854 - the Retirement Security for American Workers Act. Issue: expanding retirement savings plans. H.R. 1962 - Retirement Security Preservation Act of 2017: provides relief to DB plans related to non-discrimination testing. (Discussed this bill in the context of RESA) H.R. 2055/ S. 868 - Lifetime Income Disclosure Act. Issue: lifetime income illustration H.R. 2823 - the Affordable Retirement Advice for Savers Act. Issue: alternative to the DOL fiduciary rule H.R. 3596 - Rightsizing Pension Premiums Act of 2017: amends ERISA to alter the premiums for CSEC organizations. (Discussed this bill in the context of RESA) H.R. 3857 - Protecting Advice from Small Savers Act of 2017. Issue: Nullifies the DOLs fiduciary rule. H.R. 3910 - Amends the Internal Revenue Code of 1986 to make lifetime income and managed account options of defined contribution retirement savings plans portable. H.R. 4523 - the Automatic Retirement Plan Act. Issue: mandatory 401(k) H.R. 4524 - the Retirement Simplification and Enhancement Act. Issue: 401(k) plan improvements and lifetime income provisions. H.R. 4604 - The Increasing Access to a Secure Retirement Act. Issue: measures to bolster Americans retirement security and annuity selection safe harbor. H.R. 4610 - the RETIRE Act. Issue: electronic delivery of retirement statements. H.R. 4637 - The Small Businesses Add Value for Employees (SAVE) Act of 2017. Issue: various retirement savings improvement provisions. H.R. 6157, Pub.L.115-245 Appropriations for 2019 to support funding for SSA and SSDI hearing backlog. Issue: disability insurance. H.R. 6757 - The Family Savings Act. Issue: Retirement Security H.R. 6990 - Portable Retirement and Investment Account (PRIA) Act. Creates a government-run retirement system. H.R. ___/S.___ Draft legislation on tax treatment and consumer financing for long-term care insurance. Issue: expanding long term care insurance coverage. Issue: LTC H.R.____/S._____ Draft legislation to expand IRC Section 125 cafeteria plans to include long term care insurance. Issue: expanding long term care insurance. Issue: LTC H.R.___/S._____ Draft legislation to allow auto enrollment of private disability insurance in employer provided plans. Issue: Disability insurance S. 337/HR 947 - FAMILY Act to provide for federal benefit for paid family and medical leave. Issue: disability insurance S. 1383 - Retirement Security Act of 2017. Issue: retirement security S. 2474 - Retirement Savings Lost and Found Act of 2018. Issue: Facilitates location of lost participants. S. 2526 / H.R. 5282 - The Retirement Enhancement and Savings Act (RESA) Issue: Retirement Security S. 3412- Extension of paid family medical leave tax credit for employers. Issue: disability insurance S. 3771 - Retirement Parity for Student Loans Act. Allows employers to provide a match to an employees retirement account in the amount of their yearly student loan payment. S. 3781 - the Retirement Security and Savings Act. Contains numerous provisions that simplify and expand retirement coverage.

TAX - Fourth Quarter Report - 2018 H.R. 1 - Tax Cuts and Jobs Act. ISSUE: Taxation of life insurers. H.R.1393 - Mobile Workforce State Income Tax Simplification Act of 2015. ISSUE: Withholding from multi-state employees. H.R.1262 - To amend the Internal Revenue Code of 1986 to clarify the tax treatment of certain life insurance contract transactions, and for other purposes. ISSUE: Taxation of life settlement transactions. S. 540 - Mobile Workforce State Income Tax Simplification Act of 2015. ISSUE: Withholding from multi-state employees.

FIN - Fourth Quarter Report - 2018 Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. H.R. 10 -- Financial CHOICE Act. Issue: Implementation and regulatory reform of the financial services industry. H.R. 3110/S. 1463 - A bill to amend the Financial Stability Act of 2010 to modify the term of the independent member of the Financial Stability Oversight Council. Issue: Dodd-Frank Act reform. H.R. 3762 - International Insurance Standards Act of 2017. Issue: international insurance standards. H.R. 3857 - Protecting Advice for Small Savers (PASS) Act of 2017. Issue: Establishing a best interest standard for financial advisors and fiduciary rule. H.R. 3861 - Federal Insurance Office Reform Act of 2017. Issue: FIO reform. H.R. 4483 - Federal Insurance Office Abolishment Act of 2017. Issue: FIO reform. H.R. 4537 - International Insurance Standards Act of 2017. Issue: international insurance standards. H.R. 5323 - Derivatives Fairness Act. Issue: establish an exemption from the credit valuation adjustment calculation for uncleared derivatives transactions with end-users. H.R.___/S.___ - Financial Services and General Government Appropriations Act. Making appropriations for financial services and general government for the fiscal year ending September 30, 2019, and for other purposes. Issue: Global insurance standards; SIFI de-risking. H.R.__ - Draft legislation regarding the designations or titles of financial professionals. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III S. 223/H.R. 3758 - Senior$afe Act of 2017. This bill will provide immunity from suit for certain individuals who disclose potential examples of financial exploitation of senior citizens. Issue: protecting seniors financial security. S. 488 JOBS and Investor Confidence Act of 2018. Issue: Implementation and regulatory reform of the financial services industry. S. 1360 - International Insurance Capital Standards Accountability Act of 2017. Issue: international insurance standards. S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Whole or universal life insurance premiums. Issue: Swap margin rule. The rule establishes margin requirements for swaps not cleared through a clearinghouse. No bill number assigned.

INS - Second Quarter Report - 2018 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III H.R. 372 - Competitive Health Insurance Reform Act of 2017. This bill would restore the application of the Federal antitrust laws to the business of health insurance to protect competition and consumers. Issue: McCarran-Ferguson Act. H.R. 1270 - Living Donor Protection Act of 2017. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. H.R. 3746/S.2702 - Business of Insurance Regulatory Reform Act. Issue: Insurance exclusion from CFPB jurisdiction. H.R. 5059 - State Insurance Regulation Preservation Act. Issue: Federal Reserve Board supervision of insurance companies. S.__ - Draft legislation regarding Federal Reserve Board supervision of insurance companies.

TAX -Third Quarter Report - 2018 H.R. 1: Tax Cuts and Jobs Act. ISSUE: Taxation of life insurers. H.R.1262: To amend the Internal Revenue Code of 1986 to clarify the tax treatment of certain life insurance contract transactions, and for other purposes. ISSUE: Taxation of life settlement transactions. H.R.1393: Mobile Workforce State Income Tax Simplification Act of 2015. ISSUE: Withholding from multi-state employees. S. 540: Mobile Workforce State Income Tax Simplification Act of 2015. ISSUE: Withholding from multi-state employees.

RET -Second Quarter Report - 2018 H.R. 854 - the Retirement Security for American Workers Act. Issue: expanding retirement savings plans. H.R. 1962 - Retirement Security Preservation Act of 2017: provides relief to DB plans related to non-discrimination testing. (Discussed this bill in the context of RESA) H.R. 2055/ S. 868 - Lifetime Income Disclosure Act. Issue: lifetime income illustration H.R. 2823 - the Affordable Retirement Advice for Savers Act. Issue: alternative to the DOL fiduciary rule H.R. 3596 - Rightsizing Pension Premiums Act of 2017: amends ERISA to alter the premiums for CSEC organizations. (Discussed this bill in the context of RESA) H.R. 3857 - Protecting Advice from Small Savers Act of 2017. Issue: Nullifies the DOLs fiduciary rule. H.R. 3910 - Amends the Internal Revenue Code of 1986 to make lifetime income and managed account options of defined contribution retirement savings plans portable. H.R. 4523 -the Automatic Retirement Plan Act. Issue: mandatory 401(k) H.R. 4524 - the Retirement Simplification and Enhancement Act. Issue: 401(k) plan improvements and lifetime income provisions. H.R. 4604 - The Increasing Access to a Secure Retirement Act. Issue: measures to bolster Americans retirement security and annuity selection safe harbor. H.R. 4610 - the RETIRE Act. Issue: electronic delivery of retirement statements. H.R. 4637 - The Small Businesses Add Value for Employees (SAVE) Act of 2017. Issue: various retirement savings improvement provisions. H.R. 6757 - The Family Savings Act. Issue: Retirement Security H.R. 6990 - Portable Retirement and Investment Account (PRIA) Act. Creates a government-run retirement system. S. 1383 - Retirement Security Act of 2017. Issue: retirement security S. 2474 - Retirement Savings Lost and Found Act of 2018. Issue: Facilitates location of lost participants. S. 2526 / H.R. 5282 - The Retirement Enhancement and Savings Act (RESA) Issue: Retirement Security H.R. 6157, Pubic.Law115-245 - Appropriations for 2019 to support funding for SSA and SSDI hearing backlog. Issue: disability insurance. H.R. ___/S.___ Draft legislation on tax treatment and consumer financing for long-term care insurance. Issue: expanding long term care insurance coverage. H.R.____/S._____ Draft legislation to expand IRC Section 125 cafeteria plans to include long term care insurance. Issue: expanding long term care insurance. H.R.___/S._____ Draft legislation to allow auto enrollment of private disability insurance in employer provided plans.

CSP - Second Quarter Report - 2018 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation, Global Capital Standards and Regulatory reform. H.R. 6743 Consumer Information Notification Requirement Act. Issue: Cybersecurity. Issue: Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

INS - Second Quarter Report - 2018 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. H.R. 372 - Competitive Health Insurance Reform Act of 2017. This bill would restore the application of the Federal antitrust laws to the business of health insurance to protect competition and consumers. Issue: McCarran-Ferguson Act. H.R. 1270 - Living Donor Protection Act of 2017. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. H.R. 3746/S.2702 - Business of Insurance Regulatory Reform Act. Issue: Insurance exclusion from CFPB jurisdiction. H.R. 5059 - State Insurance Regulation Preservation Act. Issue: Federal Reserve Board supervision of insurance companies. S.__ - Draft legislation regarding Federal Reserve Board supervision of insurance companies. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III

FIN - Second Quarter Report - 2018 Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. H.R.___ - Financial Services and General Government Appropriations Act. Making appropriations for financial services and general government for the fiscal year ending September 30, 2018, and for other purposes. Issue: Global insurance standards; SIFI de-risking. H.R.___/S.___ - Financial Services and General Government Appropriations Act. Making appropriations for financial services and general government for the fiscal year ending September 30, 2019, and for other purposes. Issue: Global insurance standards; SIFI de-risking. H.R.__ - Draft legislation regarding the designations or titles of financial professionals. H.R. 10 -- Financial CHOICE Act. Issue: Implementation and regulatory reform of the financial services industry. H.R. 3110/S. 1463 - A bill to amend the Financial Stability Act of 2010 to modify the term of the independent member of the Financial Stability Oversight Council. Issue: Dodd-Frank Act reform. H.R. 3762 - International Insurance Standards Act of 2017. Issue: international insurance standards. H.R. 3857 - Protecting Advice for Small Savers (PASS) Act of 2017. Issue: Establishing a best interest standard for financial advisors and fiduciary rule. H.R. 3861 - Federal Insurance Office Reform Act of 2017. Issue: FIO reform. H.R. 4483 - Federal Insurance Office Abolishment Act of 2017. Issue: FIO reform. H.R. 4537 - International Insurance Standards Act of 2017. Issue: international insurance standards. H.R. 5323 - Derivatives Fairness Act. Issue: establish an exemption from the credit valuation adjustment calculation for uncleared derivatives transactions with end-users. S. 223/H.R. 3758 - Senior$afe Act of 2017. This bill will provide immunity from suit for certain individuals who disclose potential examples of financial exploitation of senior citizens. Issue: protecting seniors financial security. S. 1360 - International Insurance Capital Standards Accountability Act of 2017. Issue: international insurance standards. S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Whole or universal life insurance premiums. Issue: Swap margin rule. The rule establishes margin requirements for swaps not cleared through a clearinghouse. No bill number assigned.

CSP - Second Quarter Report - 2018 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation, Global Capital Standards and Regulatory reform. Issue: Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

RET -First Quarter Report - 2018 Public Law No. 111-148-The Patient Protection and Affordable Care Act, Issue: Assessments under state-based insurance exchanges. H.R. ___/S.___ Draft legislation on tax treatment and consumer financing for long-term care insurance. Issue: expanding long term care insurance coverage H.R.____/S._____ Draft legislation to expand IRC Section 125 cafeteria plans to include long term care insurance. Issue: expanding long term care insurance. H.R.___/S._____ Draft legislation to allow auto enrollment of private disability insurance in employer provided plans. H.R. 1 - Tax Cuts and Jobs Act. Issue: tax reform as it pertains to life insurance H.R. 854 - the Retirement Security for American Workers Act. Issue: expanding retirement savings plans. H.R. 1625/Public Law No: 115-141 Consolidated Appropriations Act, 2018 to support funding for SSA and SSDI hearing backlog. Issue: disability insurance. H.R. 2055/S. 868 - Lifetime Income Disclosure Act. Issue: lifetime income illustration H.R. 2823 - the Affordable Retirement Advice for Savers Act. Issue: alternative to the DOL fiduciary rule H.R. 3857 - Protecting Advice from Small Savers Act of 2017. Issue: Nullifies the DOLs fiduciary rule. H.R.4225/S.2241 Draft legislation amending Affordable Care Act provisions on health exchange assessments. Issue: Health Exchange Assessments H.R. 4523 -the Automatic Retirement Plan Act. Issue: mandatory 401(k) H.R. 4524 - the Retirement Simplification and Enhancement Act. Issue: 401(k) plan improvements and lifetime income provisions. H.R. 4604 - The Increasing Access to a Secure Retirement Act. Issue: measures to bolster Americans retirement security and annuity selection safe harbor. H.R. 4610 - the RETIRE Act. Issue: electronic delivery of retirement statements. H.R. 4637 - The Small Businesses Add Value for Employees (SAVE) Act of 2017. Issue: various retirement savings improvement provisions. S. 1321 - the Affordable Retirement Advice Protection Act. Issue: alternative to the DOL fiduciary rule. S. 1383 - Retirement Security Act of 2017. Issue: retirement security S. 2474 - Retirement Savings Lost and Found Act of 2018. Issue: Facilitates location of lost participants. S. 2526/H.R. 5282 - The Retirement Enhancement and Savings Act (RESA) Issue: Retirement Security

FIN - First Quarter Report - 2018 Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. H.R.___ - Financial Services and General Government Appropriations Act. Making appropriations for financial services and general government for the fiscal year ending September 30, 2018, and for other purposes. Issue: Global insurance standards; SIFI de-risking. H.R.__ - Draft legislation regarding the designations or titles of financial professionals. H.R. 10 -- Financial CHOICE Act. Issue: Implementation and regulatory reform of the financial services industry. H.R. 3110/S. 1463 - A bill to amend the Financial Stability Act of 2010 to modify the term of the independent member of the Financial Stability Oversight Council. Issue: Dodd-Frank Act reform. H.R. 3762 - International Insurance Standards Act of 2017. Issue: international insurance standards. H.R. 3857 - Protecting Advice for Small Savers (PASS) Act of 2017. Issue: Establishing a best interest standard for financial advisors and fiduciary rule. H.R. 3861 - Federal Insurance Office Reform Act of 2017. Issue: FIO reform. H.R. 4483 - Federal Insurance Office Abolishment Act of 2017. Issue: FIO reform. H.R. 4537 - International Insurance Standards Act of 2017. Issue: international insurance standards. H.R. 5323 - Derivatives Fairness Act. Issue: establish an exemption from the credit valuation adjustment calculation for uncleared derivatives transactions with end-users. S. 223/H.R. 3758 - Senior$afe Act of 2017. This bill will provide immunity from suit for certain individuals who disclose potential examples of financial exploitation of senior citizens. Issue: protecting seniors financial security. S. 1360 - International Insurance Capital Standards Accountability Act of 2017. Issue: international insurance standards. S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Whole or universal life insurance premiums. Issue: Swap margin rule. The rule establishes margin requirements for swaps not cleared through a clearinghouse. No bill number assigned.

CSP - First Quarter Report - 2018 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation, Global Capital Standards and Regulatory reform. Issue: Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

TAX -Fourth Quarter Report - 2017 H.R. 1 - Tax Cuts and Jobs Act. ISSUE: Taxation of life insurers. H.R. 1393 - Mobile Workforce State Income Tax Simplification Act of 2015. ISSUE: Withholding from multi-state employees. H.R. 1262 - To amend the Internal Revenue Code of 1986 to clarify the tax treatment of certain life insurance contract transactions, and for other purposes. ISSUE: Taxation of life settlement transactions. H.R. 2181 - Insurance Company Tax Modernization and Parity Act of 2017. ISSUE: Taxation of life insurers.

CSP - Fourth Quarter Report - 2017 Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation, Global Capital Standards and Regulatory reform. Issue: Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

FIN - Fourth Quarter Report - 2017 Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. H.R.___ - Financial Services and General Government Appropriations Act. Making appropriations for financial services and general government for the fiscal year ending September 30, 2018, and for other purposes. Issue: Global insurance standards; SIFI de-risking. H.R.__ - Draft legislation regarding the designations or titles of financial professionals. H.R. 10 -- Financial CHOICE Act. Issue: Implementation and regulatory reform of the financial services industry. H.R. 3110/S. 1463 - A bill to amend the Financial Stability Act of 2010 to modify the term of the independent member of the Financial Stability Oversight Council. Issue: Dodd-Frank Act reform. H.R. 3762 - International Insurance Standards Act of 2017. Issue: international insurance standards. H.R. 3857 - Protecting Advice for Small Savers (PASS) Act of 2017. Issue: Establishing a best interest standard for financial advisors and fiduciary rule. H.R. 3861 - Federal Insurance Office Reform Act of 2017. Issue: FIO reform. H.R. 4483 - Federal Insurance Office Abolishment Act of 2017. Issue: FIO reform. H.R. 4537 - International Insurance Standards Act of 2017. Issue: international insurance standards. S. 223/H.R. 3758 - Senior$afe Act of 2017. This bill will provide immunity from suit for certain individuals who disclose potential examples of financial exploitation of senior citizens. Issue: protecting seniors financial security. S. 1360 - International Insurance Capital Standards Accountability Act of 2017. Issue: international insurance standards. S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Whole or universal life insurance premiums. Issue: Swap margin rule. The rule establishes margin requirements for swaps not cleared through a clearinghouse. No bill number assigned.

INS - Fourth Quarter Report - 2017 Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. H.R. 372 - Competitive Health Insurance Reform Act of 2017. This bill would restore the application of the Federal antitrust laws to the business of health insurance to protect competition and consumers. Issue: McCarran-Ferguson Act. H.R. 1270 - Living Donor Protection Act of 2017. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. H.R. 3746/S.___ - Business of Insurance Regulatory Reform Act. Issue: Insurance exclusion from CFPB jurisdiction. H.R.__/S.__ - Draft legislation regarding Federal Reserve Board supervision of insurance companies. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III

Senate/House bills/proposed legislation relating to insurance & global capital standards, regulatory reform, cybersecurity, privacy, captive reinsurance standards, SIFI de-risking, Dodd-Frank Act reform, international insurance standards, FIO reform, whole or universal life insurance premiums, tort reform, immigration reform, McCarran-Ferguson Act, underwriting, capital standards Basel III, disability insurance, health exchange, expanding long term care insurance coverage & retirement savings plans, preventing savings leakage, lifetime income illustration, alternative to DOL fiduciary rule, retirement security, taxation of the business use of life insurance, taxation of life insurers, products and life settlement

Senate/House bills/proposed legislation relating to insurance & global capital standards, regulatory reform, cybersecurity, privacy, captive reinsurance standards, SIFI de-risking, Dodd-Frank Act reform, international insurance standards, FIO reform, whole or universal life insurance premiums, tort reform, immigration reform, McCarran-Ferguson Act, underwriting, capital standards Basel III, disability insurance, health exchange, expanding long term care insurance coverage & retirement savings plans, preventing savings leakage, lifetime income illustration, alternative to DOL fiduciary rule, retirement security, taxation of the business use of life insurance, taxation of life insurers, products and life settlement

Senate/House bills/proposed legislation relating to insurance & global capital standards, regulatory reform, cybersecurity, privacy, captive reinsurance standards, SIFI de-risking, Dodd-Frank Act reform, international insurance standards, FIO reform, whole or universal life insurance premiums, tort reform, immigration reform, McCarran-Ferguson Act, underwriting, capital standards Basel III, disability insurance, health exchange, expanding long term care insurance coverage & retirement savings plans, preventing savings leakage, lifetime income illustration, alternative to DOL fiduciary rule, retirement security, taxation of the business use of life insurance, taxation of life insurers, products and life settlement

TAX -Third Quarter Report - 2017 Tax reform discussion drafts released and written by staff and/or members of the House Ways & Means Committee or Senate Finance Committee. ISSUE: Taxation of the business use of life insurance and taxation of life insurers and products H.R.1262: To amend the Internal Revenue Code of 1986 to clarify the tax treatment of certain life insurance contract transactions, and for other purposes. ISSUE: Taxation of life settlement transactions. H.R.1393: Mobile Workforce State Income Tax Simplification Act of 2015. ISSUE: Withholding from multi-state employees. H.R.2181 - Insurance Company Tax Modernization and Parity Act of 2017. ISSUE: Taxation of life insurers. S. 540: Mobile Workforce State Income Tax Simplification Act of 2015. ISSUE: Withholding from multi-state employees.

RET -Third Quarter Report - 2017 Public Law No: 115-31. Consolidated Appropriations Act of 2017 Maintain Section 172 of Further Continuing and Security Assistance Appropriations Act regarding funding to address the Social Security Disability Insurance (SSDI) hearing backlog. Issue: disability insurance Pubic Law No: 111-148-The Patient Protection and Affordable Care Act, Issue: Assessments under state-based insurance exchanges. House GOP Blueprint on Tax Reform H.R. ___/S.___ Draft legislation amending Affordable Care Act provisions on health exchange assessments. Issue: Health Exchange Assessments H.R.___/S.____ Appropriations for 2018 to support funding for SSA and SSDI hearing backlog. Issue: disability insurance. H.R. ___/S.___ Draft legislation on tax treatment and consumer financing for long-term care insurance. Issue: expanding long term care insurance coverage H.R.____/S._____ Draft legislation to expand IRC Section 125 cafeteria plans to include long term care insurance. Issue: expanding long term care insurance. H.R.___/S._____ Draft legislation to allow auto enrollment of private disability insurance in employer provided plans. H.R.___/S. ____ Draft legislation for tax reform H.R. 854 - the Retirement Security for American Workers Act. Issue: expanding retirement savings plans. H.R. 2030, Savings Enhancement by Alleviating Leakage in 401(k) Savings Act. Issue: prevents retirement savings leakage H.R. 2055/ S. 868 - Lifetime Income Disclosure Act. Issue: lifetime income illustration H.R. 2823, the Affordable Retirement Advice for Savers Act. Issue: alternative to the DOL fiduciary rule S. 1321, the Affordable Retirement Advice Protection Act. Issue: alternative to the DOL fiduciary rule S. 1379, the Graduate Student Savings Act. Issue: promotes retirement savings for graduate students S. 1383: Retirement Security Act of 2017. Issue: retirement security H.J. Res 66 (PL 115-35), Resolution disapproving the DOL rule related to state based retirement plans H.J. Res 67 (PL 115-24), Resolution disapproving the DOL rule related to municipality based retirement plans.

FIN - Third Quarter Report - 2017 Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. H.R.___ - Financial Services and General Government Appropriations Act. Making appropriations for financial services and general government for the fiscal year ending September 30, 2018, and for other purposes. Issue: Global insurance standards; SIFI de-risking. H.R.__ - Draft legislation regarding the designations or titles of financial professionals. H.R. 10 -- Financial CHOICE Act. Issue: Implementation and regulatory reform of the financial services industry. H.R. 3110/S. 1463 - A bill to amend the Financial Stability Act of 2010 to modify the term of the independent member of the Financial Stability Oversight Council. Issue: Dodd-Frank Act reform. H.R. 3762 - International Insurance Standards Act of 2017. Issue: international insurance standards. H.R. 3857 - Protecting Advice for Small Savers (PASS) Act of 2017. Issue: Establishing a best interest standard for financial advisors and fiduciary rule. H.R. 3861 - Federal Insurance Office Reform Act of 2017. Issue: FIO reform. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III S. 223/H.R. 3758 - Senior$afe Act of 2017. This bill will provide immunity from suit for certain individuals who disclose potential examples of financial exploitation of senior citizens. Issue: protecting seniors financial security. S. 1360 - International Insurance Capital Standards Accountability Act of 2017. Issue: international insurance standards. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Whole or universal life insurance premiums. Issue: Swap margin rule. The rule establishes margin requirements for swaps not cleared through a clearinghouse. No bill number assigned. Tracking: H.R. 985 - Fairness in Class Action Litigation and Furthering Asbestos Claim Transparency Act of 2017. The bill would amend the procedures used in Federal court class actions and multidistrict litigation proceedings to assure fairer, more efficient outcomes for claimants and defendants. Issue: tort reform. H.R. 1303/S. 180 - H-1B and L-1 Visa Reform Act of 2017. This bill would amend the Immigration and Nationality Act to reform and reduce fraud and abuse in certain visa programs for aliens working temporarily in the U.S. Issue: immigration reform.

RET -Second Quarter Report - 2017 Public Law No. 111-148-The Patient Protection and Affordable Care Act, Issue: Assessments under state-based insurance exchanges. Public Law No: 114-254- Further Continuing and Security Assistance Appropriations Act. Section 172, regarding funding to address the Social Security Disability Insurance (SSDI) hearing backlog for FY17 expires April 28, 2017. Issue: disability insurance House GOP Blueprint on Tax Reform H.R. ___/S.___ Draft legislation amending Affordable Care Act provisions on health exchange assessments. Issue: Health Exchange Assessments H.R.____/S._____ FY17 appropriations beyond April 28, Maintain Section 172 of Further Continuing and Security Assistance Appropriations Act regarding funding to address the Social Security Disability Insurance (SSDI) hearing backlog. Issue: disability insurance H.R. ___/S.___ Draft legislation on tax treatment and consumer financing for long-term care insurance. Issue: expanding long term care insurance coverage H.R.____/S._____ Draft legislation to expand Section 125 cafeteria plans. Issue: expanding long term care insurance. H.R. ____/S._____ Draft legislation to initiate Congressional Review Act process to repeal Department of Labor rule affecting disability insurance claims process. Issue: Disability insurance. H.R. 854 - the Retirement Security for American Workers Act. Issue: expanding retirement savings plans. H.R. 2030, Savings Enhancement by Alleviating Leakage in 401(k) Savings Act. Issue: prevents retirement savings leakage H.R. 2055/S. 868 - Lifetime Income Disclosure Act. Issue: lifetime income illustration H.R. 2656 - The Receiving Electronic Statements to Improve Retiree Earnings Act. Issue: electronic disclosure of retirement plan notices. H.R. 2823, the Affordable Retirement Advice for Savers Act. Issue: alternative to the DOL fiduciary rule S. 1321, the Affordable Retirement Advice Protection Act. Issue: alternative to the DOL fiduciary rule S. 1379, the Graduate Student Savings Act. Issue: promotes retirement savings for graduate students S. 1383: Retirement Security Act of 2017. Issue: retirement security H.J. Res 66 (PL 115-35), Resolution disapproving the DOL rule related to state based retirement plans H.J. Res 67 (PL 115-24), Resolution disapproving the DOL rule related to municipality based retirement plans.

INS - Second Quarter Report - 2017 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. H.R. ___ - Draft legislation to amend the Consumer Financial Protection Act of 2010 to clarify the authority of the Bureau of Consumer Financial Protection with respect to persons regulated by a State insurance regulator. Issue: regulation of insurance companies. H.R. 372 - Competitive Health Insurance Reform Act of 2017. This bill would restore the application of the Federal antitrust laws to the business of health insurance to protect competition and consumers. Issue: McCarran-Ferguson Act. H.R. 1270 - Living Donor Protection Act of 2017. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III

CSP - Second Quarter Report - 2017 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation, Global Capital Standards and Regulatory reform. Issue: Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

TAX -Second Quarter Report - 2017 Tax reform discussion drafts released and written by staff and/or members of the House Ways & Means Committee or Senate Finance Committee. ISSUE: Taxation of the business use of life insurance and taxation of life insurers and products H.R.1262: To amend the Internal Revenue Code of 1986 to clarify the tax treatment of certain life insurance contract transactions, and for other purposes. ISSUE: Taxation of life settlement transactions. H.R.1393: Mobile Workforce State Income Tax Simplification Act of 2015. ISSUE: Withholding from multi-state employees. H.R.2181 - Insurance Company Tax Modernization and Parity Act of 2017. ISSUE: Taxation of life insurers. S. 540: Mobile Workforce State Income Tax Simplification Act of 2015. ISSUE: Withholding from multi-state employees.

INS - First Quarter Report - 2017 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. H.R. 372 - Competitive Health Insurance Reform Act of 2017. This bill would restore the application of the Federal antitrust laws to the business of health insurance to protect competition and consumers. Issue: McCarran-Ferguson Act. H.R. 1270 - Living Donor Protection Act of 2017. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. H.R. ___ - Draft legislation to amend the Consumer Financial Protection Act of 2010 to clarify the authority of the Bureau of Consumer Financial Protection with respect to persons regulated by a State insurance regulator. Issue: regulation of insurance companies. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III

RET - First Quarter Report - 2017 Public Law No. 111-148 - The Patient Protection and Affordable Care Act, Issue: Assessments under state-based insurance exchanges. Public Law No: 114-254 - Further Continuing and Security Assistance Appropriations Act. Section 172, regarding funding to address the Social Security Disability Insurance (SSDI) hearing backlog for FY17 expires April 28, 2017. Issue: disability insurance H.R. 506/ S. 245 - Automatic IRA Act of 2015. Issue: retirement security H.R. 557/ S. 266 - Retirement Security Act of 2015. Issue: retirement security H.R. 2317/ S. 1317 - Lifetime Income Disclosure Act. Issue: lifetime income illustration H.R. 2656 - The Receiving Electronic Statements to Improve Retiree Earnings Act. Issue: electronic disclosure of retirement plan notices. H.R. 4067 - SAVE Act of 2015. Issue: retirement security H.R. 6396 - the Retirement Security for American Workers Act. Issue: expanding retirement savings plans. H.R. ___/S.___ Draft legislation amending Affordable Care Act provisions on health exchange assessments. Issue: Health Exchange Assessments H.R.____/S._____ FY17 appropriations beyond April 28, Maintain Section 172 of Further Continuing and Security Assistance Appropriations Act regarding funding to address the Social Security Disability Insurance (SSDI) hearing backlog. Issue: disability insurance H.R.____/S._____ Draft legislation to expand Section 125 cafeteria plans. Issue: expanding long term care insurance. H.R. ____/S._____ Draft legislation to initiate Congressional Review Act process to repeal Department of Labor rule affecting disability insurance claims process. Issue: Disability insurance. H.R. ___/S.___ Draft legislation on tax treatment and consumer financing for long-term care insurance. Issue: Social Security Disability Insurance (SSDI) hearing decision backlog S. 3471 Retirement Enhancement and Savings Act of 2016. Issue: expanding retirement savings plans. Retirement Improvements and Savings Enhancement Act Discussion Draft House GOP Blueprint on Tax Reform

Monitored Implementation of Department of Labor rule relating to "Definition of the Term 'Fiduciary'; Conflict of Interest Rule - Retirement Investment Advice"

CSP - First Quarter Report - 2017 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation, Global Capital Standards and Regulatory reform. Issue: Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

TAX - First Quarter Report - 2017 Tax reform discussion drafts released and written by staff and/or members of the House Ways & Means Committee or Senate Finance Committee. ISSUE: Taxation of the business use of life insurance and taxation of life insurers and products H.R. 1262 - To amend the Internal Revenue Code of 1986 to clarify the tax treatment of certain life insurance contract transactions, and for other purposes. ISSUE: Taxation of life settlement transactions. H.R. 1393 - Mobile Workforce State Income Tax Simplification Act of 2015. ISSUE: Withholding from multi-state employees. S. 540 - Mobile Workforce State Income Tax Simplification Act of 2015. ISSUE: Withholding from multi-state employees.

Senate/House bills and proposed legislation relating to Insurance and Global Capital Standards, Regulatory reform, cybersecurity, privacy, Department of Labor proposed fiduciary rule, SIFI de-risking, protecting seniors' financial security, FSOC, sources of strength, patent reform, Terrorism Insurance, agent licensing, underwriting, retirement security, disability insurance, SSDI, expanding retirement savings plans, taxation of business use of life insurance/taxation of life insurers and products, tax matters relating to life insurance as proposed in President's 2017 Budget proposal, Treasury Greenbook, withholding from multi-state employees, taxation of life settlement transactions

Senate/House bills and proposed legislation relating to Insurance and Global Capital Standards, Regulatory reform, cybersecurity, privacy, Department of Labor proposed fiduciary rule, SIFI de-risking, protecting seniors' financial security, FSOC, sources of strength, patent reform, Terrorism Insurance, agent licensing, underwriting, retirement security, disability insurance, SSDI, expanding retirement savings plans, taxation of business use of life insurance/taxation of life insurers and products, tax matters relating to life insurance as proposed in President's 2017 Budget proposal, Treasury Greenbook, withholding from multi-state employees, taxation of life settlement transactions

Senate/House bills and proposed legislation relating to Insurance and Global Capital Standards, Regulatory reform, cybersecurity, privacy, Department of Labor proposed fiduciary rule, SIFI de-risking, protecting seniors' financial security, FSOC, sources of strength, patent reform, Terrorism Insurance, agent licensing, underwriting, retirement security, disability insurance, SSDI, expanding retirement savings plans, taxation of business use of life insurance/taxation of life insurers and products, tax matters relating to life insurance as proposed in President's 2017 Budget proposal, Treasury Greenbook, withholding from multi-state employees, taxation of life settlement transactions