mr GEOFFREY GRAY

General issues related to the regulation of the securities industry, retirement reform, cybersecurity, privacy, and e-commerce. Specific issues included: draft privacy and data security proposals, issues related to preemption, functional regulation, and data aggregators; cryptocurrency and stablecoin legislative proposals, including the STABLE Act of 2025 (H.R.2392)(Rep. Steil), and the GENIUS Act of 2025 (S.394)(Sen. Hagerty), issues impacting issuers, custody, and financial markets; proposals related to eDelivery for securities disclosures; and tax issues, including the Growth Act.

General issues related to the regulation of the securities industry, retirement reform, cybersecurity, privacy, and e-commerce. Specific issues included: the regulation of asset managers and Money Market Funds, including FSOC systemic designation, stress tests and regulation; draft privacy and data security proposals, issues related to preemption, functional regulation, and data aggregators; draft cryptocurrency and stablecoin legislative proposals, including the STABLE Act of 2025 (H.R.2392)(Rep. Steil), and the GENIUS Act of 2025 (S.394)(Sen. Hagerty), issues impacting issuers, custody, and financial markets; and proposals related to eDelivery for securities disclosures.

General issues related to the regulation of the securities industry, retirement reform, cybersecurity, privacy, and e-commerce. Specific issues included: draft privacy and data security proposals, issues related to preemption, functional regulation, and data aggregators; cryptocurrency and stablecoin legislative proposals, including the STABLE Act of 2025 (H.R.2392)(Rep. Steil), and the GENIUS Act of 2025 (S.394)(Sen. Hagerty), issues impacting issuers, custody, and financial markets; proposals related to eDelivery for securities disclosures; and tax issues, including the Growth Act.

General issues related to the regulation of the securities industry, retirement reform, cybersecurity, privacy, and e-commerce. Specific issues included: draft privacy and data security proposals, issues related to preemption, functional regulation, and data aggregators; draft cryptocurrency and stablecoin legislative proposals, including the STABLE Act of 2025 (H.R.2392)(Rep. Steil), and the GENIUS Act of 2025 (S.394)(Sen. Hagerty), issues impacting issuers, custody, and financial markets; and proposals related to eDelivery for securities disclosures.

General issues related to reform of the Dodd-Frank Act, GSE reform and the future of housing finance, cybersecurity, data security, and privacy. Specific issues included: bank and bank holding company systemic regulation and capital standards; draft privacy, data security, cybersecurity, and climate proposals, including in the context of SEC proposed rules, and including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), and including in the context of the National Defense Authorization Act and spending bills, issues related to timing, preemption and functional regulation; and debit and credit card interchange and routing proposals.

General issues related to cyber security, privacy, air transportation, tax, and trade. Specific issues included: aviation taxes and fees in the context of the appropriations process; draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), including in the context of the National Defense Authorization Act and the Appropriations process, issues related to scope, preemption and functional regulation impacting the aviation industry; and debit and credit card interchange price controls and routing mandate proposals (Durbin-Marshall), including in the context of the Appropriations process and the National Defense Authorization Act, issues impacting aviation industry customers.

General issues related to the payment system and related issues impacting financial institutions. Specific issues included: debit and credit card interchange price controls and routing mandate proposals (Durbin-Marshall), including in the context of the Appropriations process, and in the context of the National Defense Authorization Act; and draft privacy, data security, cybersecurity, and breach notice proposals, including in the context of SEC rulemaking, and including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(HR 1165), issues related to scope, timing, preemption and functional regulation.

General issues related to cyber security, privacy, air transportation, tax, and trade. Specific issues included: aviation taxes and fees in the context of the appropriations process; draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), including in the context of the National Defense Authorization Act and the Appropriations process, issues related to scope, preemption and functional regulation impacting the aviation industry; and debit and credit card interchange price controls and routing mandate proposals (Durbin-Marshall), including in the context of the Appropriations process and the National Defense Authorization Act, issues impacting aviation industry customers.

General issues related to the payment system and related issues impacting financial institutions. Specific issues included: debit and credit card interchange price controls and routing mandate proposals (Durbin-Marshall), including in the context of the Appropriations process, and in the context of the National Defense Authorization Act; draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), including in the context of the National Defense Authorization Act and the Appropriations process.

General issues related to the regulation of the securities industry, retirement reform, cybersecurity, privacy, and e-commerce. Specific issues included: the regulation of asset managers and Money Market Funds, including FSOC systemic designation, stress tests and regulation; draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), issues related to preemption, functional regulation, and data aggregators; the SAFE Banking Act, issues impacting the regulation of financial institutions; draft cryptocurrency and stablecoin regulatory proposals and their impact on financial markets; and proposals related to eDelivery for securities disclosures.

General issues related to privacy, cybersecurity, data security, credit reporting, and background screening. Specific issues included: issues related to the credit reporting industry and draft amendments to the Fair Credit Reporting Act, and draft CFPB proposals, including issues related to a common portal, disputes, scoring, credit headers, and litigation; and draft privacy, data security, cybersecurity, and breach notice proposals, including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), and including in the context of the National Defense Authorization Act and spending bills, issues related to preemption, functional regulation, data aggregators, Artificial Intelligence, and data brokers.

General issues related to privacy, data security, publishing, and public records. Specific issues included: draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), issues related to fraud control and authentication protections, including in the context of the National Defense Authorization Act and Appropriations process; CFPB proposals and legislative proposals related to FCRA, including issues related to credit headers, fraud control, and law enforcement investigative tools; the Fourth Amendment is Not For Sale Act (HR 4639, S 2576); and draft proposals related to authentication and fraud control involving Medicaid and other federal benefits programs.

General issues related to the regulation of the securities industry, retirement reform, cybersecurity, privacy, and e-commerce. Specific issues included: the regulation of asset managers and Money Market Funds, including FSOC systemic designation, stress tests and regulation; draft privacy, data security, cybersecurity, and climate proposals, including in the context of SEC proposed rules, and including the Data Privacy Act (McHenry)(H.R. 1165), and including in the context of the National Defense Authorization Act and spending bills, issues related to preemption, functional regulation, and data aggregators; the SAFE Banking Act, issues impacting the regulation of financial institutions; draft cryptocurrency and stablecoin regulatory proposals and their impact on financial markets; and proposals related to eDelivery for securities disclosures.

General issues related to the payment system and related issues impacting financial institutions. Specific issues included: debit and credit card interchange price controls and routing mandate proposals (Durbin-Marshall), including in the context of the Appropriations process, and in the context of the National Defense Authorization Act; draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), including in the context of the National Defense Authorization Act and the Appropriations process.

General issues related to the operation of the Dodd-Frank Act, GSE reform and the future of housing finance, cybersecurity, data security, digital currency regulation, credit and debit interchange, and privacy. Specific issues included: draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), including in the context of the National Defense Authorization Act and the Appropriations process; credit card and debit card interchange and routing proposals, including in the context of the National Defense Authorization Act and the Appropriations process; and legislative responses to bank regulatory capital proposals.

General issues related to the payment system and related issues impacting financial institutions. Specific issues included: debit and credit card interchange price controls and routing mandate proposals (Durbin-Marshall), including in the context of the Appropriations process, and in the context of the National Defense Authorization Act; draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), including in the context of the National Defense Authorization Act and the Appropriations process.

General issues related to the operation of the Dodd-Frank Act, GSE reform and the future of housing finance, cybersecurity, data security, digital currency regulation, credit and debit interchange, and privacy. Specific issues included: draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), including in the context of the National Defense Authorization Act and the Appropriations process; credit card and debit card interchange and routing proposals, including in the context of the National Defense Authorization Act and the Appropriations process; and legislative responses to bank regulatory capital proposals.

General issues related to the regulation of the securities industry, retirement reform, cybersecurity, privacy, and e-commerce. Specific issues included: the regulation of asset managers and Money Market Funds, including FSOC systemic designation, stress tests and regulation; draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), issues related to preemption, functional regulation, and data aggregators; the SAFE Banking Act, issues impacting the regulation of financial institutions; draft cryptocurrency and stablecoin regulatory proposals and their impact on financial markets; and proposals related to eDelivery for securities disclosures.

General issues related to reform of the Dodd-Frank Act, GSE reform and the future of housing finance, cybersecurity, data security, and privacy. Specific issues included: bank and bank holding company systemic regulation and capital standards, including Longterm Debt proposals; draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), including in the context of the National Defense Authorization Act and the Appropriations process, issues related to preemption, private right of action, and functional regulation; credit card and debit card interchange and routing proposals, including in the context of the National Defense Authorization Act and the Appropriations process.

General issues related to credit reporting, technology, data security, climate, and housing. Specific issues included: re-authorization of the National Flood Insurance Program, including both in and outside of the Appropriations process, issues related to reconstruction cost and general extension of the program; draft cybersecurity, climate-risk, and breach notice proposals, including in the context of SEC rulemaking; draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), including in the context of the National Defense Authorization Act and the Appropriations process; natural hazard and climate risk tracking and its impact on lending and housing; and appraisal reform.

General issues related to credit reporting, technology, data security, climate, and housing. Specific issues included: re-authorization of the National Flood Insurance Program, including both in and outside of the Appropriations process, issues related to reconstruction cost and general extension of the program; draft cybersecurity, climate-risk, and breach notice proposals, including in the context of SEC rulemaking; draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), including in the context of the National Defense Authorization Act and the Appropriations process; natural hazard and climate risk tracking and its impact on lending and housing; and appraisal reform.

General issues related to credit reporting, technology, data security, climate, and housing. Specific issues included: re-authorization of the National Flood Insurance Program, including both in and outside of the Appropriations process, issues related to reconstruction cost and general extension of the program; draft privacy, data security, cybersecurity, climate-risk, and breach notice proposals, including in the context of SEC rulemaking, and including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(HR 1165), and including in the context of the National Defense Authorization Act, issues related to scope, timing, preemption and functional regulation; natural hazard and climate risk tracking and its impact on lending and housing; and appraisal reform.

General issues related to the operation of the Dodd-Frank Act, GSE reform and the future of housing finance, cybersecurity, data security, digital currency regulation, credit and debit interchange, and privacy. Specific issues included: draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), including in the context of the National Defense Authorization Act and the Appropriations process; credit card and debit card interchange and routing proposals, including in the context of the National Defense Authorization Act and the Appropriations process; and legislative responses to bank regulatory capital proposals.

General issues related to reform of the Dodd-Frank Act, GSE reform and the future of housing finance, cybersecurity, data security, and privacy. Specific issues included: bank and bank holding company systemic regulation and capital standards, including Basel III Endgame and Longterm Debt proposals; draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), including in the context of the National Defense Authorization Act and the Appropriations process, issues related to preemption, private right of action, and functional regulation; credit card and debit card interchange and routing proposals, including in the context of the National Defense Authorization Act and the Appropriations process.

General issues related to privacy, cybersecurity, data security, credit reporting, and background screening. Specific issues included: issues related to the credit reporting industry and draft amendments to the Fair Credit Reporting Act, and draft CFPB proposals, including issues related to a common portal, disputes, scoring, credit headers, medical debt, and litigation; draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), issues related to fraud prevention, law enforcement, preemption, functional regulation, data aggregators, Artificial Intelligence, and data brokers; draft trigger leads legislation, including in the context of the National Defense Authorization Act and the Appropriations process.

General issues related to credit reporting, technology, data security, climate, and housing. Specific issues included: re-authorization of the National Flood Insurance Program, including both in and outside of the Appropriations process, issues related to reconstruction cost and general extension of the program; draft cybersecurity, climate-risk, and breach notice proposals, including in the context of SEC rulemaking; draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), including in the context of the National Defense Authorization Act and the Appropriations process; natural hazard and climate risk tracking and its impact on lending and housing; and appraisal reform.

General issues related to reform of the Dodd-Frank Act, GSE reform and the future of housing finance, cybersecurity, data security, and privacy. Specific issues included: bank and bank holding company systemic regulation and capital standards, including Basel III Endgame and Longterm Debt proposals; draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), including in the context of the National Defense Authorization Act and the Appropriations process, issues related to preemption, private right of action, and functional regulation; credit card and debit card interchange and routing proposals, including in the context of the National Defense Authorization Act and the Appropriations process.

General issues related to privacy, data security, publishing, and public records. Specific issues included: draft privacy and data security proposals, including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), issues related to fraud control and authentication protections, including in the context of the National Defense Authorization Act and Appropriations process; CFPB proposals and legislative proposals related to FCRA, including issues related to credit headers, fraud control, and law enforcement investigative tools; the Fourth Amendment is Not For Sale Act (HR 4639, S 2576); and draft proposals related to authentication and fraud control involving Medicaid and other federal benefits programs.

General issues related to cyber security, privacy, patent reform, cloud, mobility, data analytics, corporate governance, tax and procurement policy. Specific issues included: draft international and corporate tax provisions, including issues related to the "BEAT" regulations; draft privacy, data security, AI, cybersecurity, and climate proposals, including in the context of SEC proposed rules, and including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), issues related to data processors, preemption, and private right of action; and modernization of US government Information Technology systems, including in the context of the National Defense Authorization Act and the Appropriations process.

General issues related to the operation of the Dodd-Frank Act, GSE reform and the future of housing finance, cybersecurity, data security, digital currency regulation, credit and debit interchange, and privacy. Specific issues included: draft privacy, data security, cybersecurity, climate, and interchange proposals, including in the context of SEC proposed rules, and including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(HR 1165), issues related to scope, timing, preemption and functional regulation, and including in the context of the National Defense Authorization Act and Appropriations process; credit card and debit card interchange and routing proposals, including in the context of the National Defense Authorization Act, spending bills, and the RECOUP Act of 2023 (S. 2190); and legislative responses to bank regulatory capital proposals.

General issues related to cyber security, privacy, patent reform, cloud, mobility, data analytics, corporate governance, tax and procurement policy. Specific issues included: international and corporate tax provisions, including issues related to the "BEAT" regulations; draft privacy, data security, AI, cybersecurity, and climate proposals, including in the context of SEC proposed rules, and including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), issues related to data processors, preemption, and private right of action; and modernization of US government Information Technology systems, including in the context of the National Defense Authorization Act and the Appropriations process.

General issues related to the regulation of the securities industry, retirement reform, cybersecurity, privacy, and e-commerce. Specific issues included: the regulation of asset managers and Money Market Funds, including FSOC systemic designation, stress tests and regulation; draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), issues related to preemption, functional regulation, and data aggregators; the SAFE Banking Act, issues impacting the regulation of financial institutions; draft cryptocurrency and stablecoin regulatory proposals and their impact on financial markets; and proposals related to eDelivery for securities disclosures.

General issues related to cyber security, privacy, air transportation, tax, and trade. Specific issues included: aviation taxes and fees in the context of the appropriations process; FAA reauthorization; draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), including in the context of the National Defense Authorization Act and the Appropriations process, issues related to scope, preemption and functional regulation impacting the aviation industry; and debit and credit card interchange price controls and routing mandate proposals (Durbin-Marshall), including in the context of the Appropriations process and the National Defense Authorization Act, issues impacting aviation industry customers.

General issues related to privacy, data security, publishing, and public records. Specific issues included: draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), issues related to fraud control and authentication protections, including in the context of the National Defense Authorization Act and Appropriations process; CFPB proposals and legislative proposals related to FCRA, including issues related to credit headers, fraud control, and law enforcement investigative tools; the Fourth Amendment is Not For Sale Act (HR 4639, S 2576); and draft proposals related to authentication and fraud control involving Medicaid and other federal benefits programs.

General issues related to privacy, cybersecurity, data security, credit reporting, and background screening. Specific issues included: issues related to the credit reporting industry and draft amendments to the Fair Credit Reporting Act, and draft CFPB proposals, including issues related to a common portal, disputes, scoring, credit headers, and litigation; draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), issues related to fraud prevention, law enforcement, preemption, functional regulation, data aggregators, Artificial Intelligence, and data brokers; draft trigger leads legislation, including in the context of the National Defense Authorization Act and the Appropriations process.

General issues related to cyber security, privacy, patent reform, cloud, mobility, data analytics, corporate governance, tax and procurement policy. Specific issues included: international and corporate tax provisions, including issues related to the "BEAT" regulations; draft privacy, data security, AI, cybersecurity, and climate proposals, including in the context of SEC proposed rules, and including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), issues related to data processors, preemption, and private right of action; and modernization of US government Information Technology systems, including in the context of the National Defense Authorization Act and the Appropriations process.

General issues related to privacy, cybersecurity, data security, credit reporting, and background screening. Specific issues included: issues related to the credit reporting industry and draft amendments to the Fair Credit Reporting Act, and draft CFPB proposals, including issues related to a common portal, disputes, scoring, credit headers, medical debt, and litigation; draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), issues related to fraud prevention, law enforcement, preemption, functional regulation, data aggregators, Artificial Intelligence, and data brokers; draft trigger leads legislation, including in the context of the National Defense Authorization Act and the Appropriations process.

General issues related to privacy, data security, publishing, and public records. Specific issues included: draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), issues related to fraud control and authentication protections, including in the context of the National Defense Authorization Act and Appropriations process; CFPB proposals and legislative proposals related to FCRA, including issues related to credit headers, fraud control, and law enforcement investigative tools; the Fourth Amendment is Not For Sale Act (HR 4639, S 2576); and draft proposals related to authentication and fraud control involving Medicaid and other federal benefits programs.

General issues related to privacy, data security, publishing, and public records. Specific issues included: draft privacy and data security proposals, including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), issues related to fraud control and authentication protections, including in the context of the National Defense Authorization Act and Appropriations process; CFPB proposals and legislative proposals related to FCRA, including issues related to credit headers, fraud control, and law enforcement investigative tools; the Fourth Amendment is Not For Sale Act (HR 4639, S 2576); and draft proposals related to authentication and fraud control involving Medicaid and other federal benefits programs.

General issues related to privacy, data security, publishing, and public records. Specific issues included: draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), issues related to fraud control and authentication protections, including in the context of the National Defense Authorization Act and Appropriations process; CFPB proposals and legislative proposals related to FCRA, including issues related to credit headers, fraud control, and law enforcement investigative tools; the Fourth Amendment is Not For Sale Act (HR 4639, S 2576); and draft proposals related to authentication and fraud control involving Medicaid and other federal benefits programs.

General issues related to privacy, data security, publishing, and public records. Specific issues included: draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), issues related to fraud control and authentication protections, including in the context of the National Defense Authorization Act and Appropriations process; CFPB proposals and legislative proposals related to FCRA, including issues related to credit headers, fraud control, and law enforcement investigative tools; the Fourth Amendment is Not For Sale Act (HR 4639, S 2576); and draft proposals related to authentication and fraud control involving Medicaid and other federal benefits programs.

General issues related to privacy, data security, publishing, and public records. Specific issues included: draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), issues related to fraud control and authentication protections, including in the context of the National Defense Authorization Act and Appropriations process; CFPB proposals and legislative proposals related to FCRA, including issues related to credit headers, fraud control, and law enforcement investigative tools; the Fourth Amendment is Not For Sale Act (HR 4639, S 2576); and draft proposals related to authentication and fraud control involving Medicaid and other federal benefits programs.

General issues related to the operation of the Dodd-Frank Act, GSE reform and the future of housing finance, cybersecurity, data security, digital currency regulation, credit and debit interchange, and privacy. Specific issues included: draft privacy, data security, cybersecurity, climate, and interchange proposals, including in the context of SEC proposed rules, and including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(HR 1165), issues related to scope, timing, preemption and functional regulation, and including in the context of the National Defense Authorization Act and Appropriations process; credit card and debit card interchange and routing proposals, including in the context of the National Defense Authorization Act, spending bills, and the RECOUP Act of 2023 (S. 2190); and legislative responses to bank regulatory capital proposals.

General issues related to privacy, data security, publishing, and public records. Specific issues included: draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), issues related to fraud control and authentication protections, including in the context of the National Defense Authorization Act and Appropriations process; CFPB proposals and legislative proposals related to FCRA, including issues related to credit headers, fraud control, and law enforcement investigative tools; the Fourth Amendment is Not For Sale Act (HR 4639, S 2576); and draft proposals related to authentication and fraud control involving Medicaid and other federal benefits programs.

General issues related to privacy, data security, publishing, and public records. Specific issues included: draft privacy and data security proposals, including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), issues related to fraud control and authentication protections, including in the context of the National Defense Authorization Act and Appropriations process; CFPB proposals and legislative proposals related to FCRA, including issues related to credit headers, fraud control, and law enforcement investigative tools; the Fourth Amendment is Not For Sale Act (HR 4639, S 2576); and draft proposals related to authentication and fraud control involving Medicaid and other federal benefits programs.

General issues related to privacy, data security, publishing, and public records. Specific issues included: draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), issues related to fraud control and authentication protections, including in the context of the National Defense Authorization Act and Appropriations process; CFPB proposals and legislative proposals related to FCRA, including issues related to credit headers, fraud control, and law enforcement investigative tools; the Fourth Amendment is Not For Sale Act (HR 4639, S 2576); and draft proposals related to authentication and fraud control involving Medicaid and other federal benefits programs.

General issues related to privacy, data security, publishing, and public records. Specific issues included: draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), issues related to fraud control and authentication protections, including in the context of the National Defense Authorization Act and Appropriations process; CFPB proposals and legislative proposals related to FCRA, including issues related to credit headers, fraud control, and law enforcement investigative tools; the Fourth Amendment is Not For Sale Act (HR 4639, S 2576); and draft proposals related to authentication and fraud control involving Medicaid and other federal benefits programs.

General issues related to privacy, cybersecurity, data security, credit reporting, and background screening. Specific issues included: issues related to the credit reporting industry and draft amendments to the Fair Credit Reporting Act, and draft CFPB proposals, including issues related to a common portal, disputes, scoring, credit headers, and litigation; and draft privacy, data security, cybersecurity, and breach notice proposals, including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), and including in the context of the National Defense Authorization Act and spending bills, issues related to preemption, functional regulation, data aggregators, Artificial Intelligence, and data brokers.

General issues related to reform of the Dodd-Frank Act, GSE reform and the future of housing finance, cybersecurity, data security, and privacy. Specific issues included: bank and bank holding company systemic regulation and capital standards; draft privacy, data security, cybersecurity, and climate proposals, including in the context of SEC proposed rules, and including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), and including in the context of the National Defense Authorization Act and spending bills, issues related to timing, preemption and functional regulation; and debit and credit card interchange and routing proposals.

General issues related to privacy, cybersecurity, data security, credit reporting, and background screening. Specific issues included: issues related to the credit reporting industry and draft amendments to the Fair Credit Reporting Act, including issues related to a common portal, disputes, scoring, and litigation; and draft privacy, data security, cybersecurity, and breach notice proposals, including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), issues related to preemption, functional regulation, data aggregators, Artificial Intelligence, and data brokers.

General issues related to the regulation of the securities industry, retirement reform, cybersecurity, privacy, and e-commerce. Specific issues included: the regulation of asset managers and Money Market Funds, including FSOC systemic designation, stress tests and regulation; draft privacy, data security, cybersecurity, and climate proposals, including in the context of SEC proposed rules, and including the Data Privacy Act (McHenry)(H.R. 1165), and including in the context of the National Defense Authorization Act and spending bills, issues related to preemption, functional regulation, and data aggregators; the SAFE Banking Act, issues impacting the regulation of financial institutions; draft cryptocurrency regulatory proposals and their impact on financial markets; and proposals related to eDelivery for securities disclosures.

General issues related to privacy, data security, publishing, and public records. Specific issues included: draft privacy and data security proposals, including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), issues related to fraud control and authentication protections, including in the context of the National Defense Authorization Act; CFPB proposals and legislative proposals related to FCRA, including issues related to credit headers, fraud control, and law enforcement investigative tools; the Fourth Amendment is Not For Sale Act (HR 4639, S 2576); and draft proposals related to authentication and fraud control involving Medicaid and other federal benefits programs.

General issues related to privacy, cybersecurity, data security, credit reporting, and background screening. Specific issues included: issues related to the credit reporting industry and draft amendments to the Fair Credit Reporting Act, including issues related to a common portal, disputes, scoring, and litigation; and draft privacy, data security, cybersecurity, and breach notice proposals, including the American Data Privacy and Protection Act, and the Data Privacy Act (McHenry)(H.R. 1165), issues related to preemption, functional regulation, and data aggregators.

General issues related to reform of the Dodd-Frank Act, GSE reform and the future of housing finance, cybersecurity, data security, and privacy. Specific issues included: bank and bank holding company systemic regulation and capital standards; draft privacy, data security, cybersecurity, and climate proposals, including in the context of SEC proposed rules, and including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), and including in the context of the National Defense Authorization Act, issues related to timing, preemption and functional regulation; and debit and credit card interchange proposals.

General issues related to the payment system and related issues impacting financial institutions. Specific issues included: debit and credit card interchange price control and routing mandate proposals (Durbin-Marshall), including in the context of the Appropriations process, and in the context of the National Defense Authorization Act; and draft privacy, data security, cybersecurity, and breach notice proposals, including in the context of SEC rulemaking, and including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(HR 1165), issues related to scope, timing, preemption and functional regulation.

General issues related to the regulation of the securities industry, retirement reform, cybersecurity, privacy, and e-commerce. Specific issues included: the regulation of asset managers and Money Market Funds, including FSOC systemic designation, stress tests and regulation; draft privacy, data security, cybersecurity, and climate proposals, including in the context of SEC proposed rules, and including the Data Privacy Act (McHenry)(H.R. 1165), and including in the context of the National Defense Authorization Act, issues related to preemption, functional regulation, and data aggregators; the SAFE Banking Act, issues impacting the regulation of financial institutions; and draft cryptocurrency regulatory proposals and their impact on financial markets.

General issues related to credit reporting, technology, data security, climate, and housing. Specific issues included: re-authorization of the National Flood Insurance Program, including both in and outside of the Appropriations process, issues related to reconstruction cost and general extension of the program; draft privacy, data security, cybersecurity, climate-risk, and breach notice proposals, including in the context of SEC rulemaking, and including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(HR 1165), issues related to scope, timing, preemption and functional regulation; natural hazard and climate risk tracking and its impact on lending and housing; and appraisal reform.

General issues related to the payment system and related issues impacting financial institutions. Specific issues included: debit and credit card interchange price control and routing mandate proposals (Durbin-Marshall), including in the context of the Appropriations process, and in the context of the National Defense Authorization Act; and draft privacy, data security, cybersecurity, and breach notice proposals, including in the context of SEC rulemaking, and including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(HR 1165), issues related to scope, timing, preemption and functional regulation.

General issues related to privacy, data security, publishing, and public records. Specific issues included draft privacy and data security proposals, including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), issues related to fraud control and authentication protections.

General issues related to the regulation of the securities industry, retirement reform, cybersecurity, privacy, and e-commerce. Specific issues included: the regulation of asset managers and Money Market Funds, including FSOC systemic designation, stress tests and regulation; draft privacy, data security, cybersecurity, and climate proposals, including in the context of SEC proposed rules, and including the Data Privacy Act (McHenry)(H.R. 1165), issues related to preemption, functional regulation, and data aggregators; the SAFE Banking Act, issues impacting the regulation of financial institutions; DOL and SEC e-delivery rules; and draft cryptocurrency regulatory proposals and their impact on financial markets.

General issues related to the regulation of the securities industry, retirement reform, cybersecurity, privacy, and e-commerce. Specific issues included: the regulation of asset managers and Money Market Funds, including FSOC systemic designation, stress tests and regulation; draft privacy, data security, cybersecurity, and climate proposals, including in the context of SEC proposed rules, and including the Data Privacy Act (McHenry)(H.R. 1165), issues related to preemption, functional regulation, and data aggregators; the SAFE Banking Act, issues impacting the regulation of financial institutions; DOL and SEC e-delivery rules; and draft cryptocurrency regulatory proposals and their impact on financial markets.

General issues related to credit reporting, technology, data security, climate, and housing. Specific issues included: re-authorization of the National Flood Insurance Program, including both in and outside of the Appropriations process, issues related to reconstruction cost and general extension of the program; draft privacy, data security, cybersecurity, climate-risk, and breach notice proposals, including in the context of SEC rulemaking, and including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(HR 1165), issues related to scope, timing, preemption and functional regulation; natural hazard and climate risk tracking and its impact on lending and housing; and appraisal reform.

General issues related to the operation of the Dodd-Frank Act, GSE reform and the future of housing finance, cybersecurity, data security, digital currency regulation, credit and debit interchange, and privacy. Specific issues included: draft privacy, data security, cybersecurity, climate, and interchange proposals, including in the context of SEC proposed rules, and including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(HR 1165), issues related to scope, timing, preemption and functional regulation, and including in the context of the National Defense Authorization Act; credit card interchange and routing proposals, including in the context of the National Defense Authorization Act, and the RECOUP Act of 2023 (S. 2190); and legislative responses to bank regulatory capital proposals.

General issues related to the operation of the Dodd-Frank Act, GSE reform and the future of housing finance, cybersecurity, data security, digital currency regulation, credit and debit interchange, and privacy. Specific issues included: draft privacy, data security, cybersecurity, climate, and interchange proposals, including in the context of SEC proposed rules, and including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(HR 1165), issues related to scope, timing, preemption and functional regulation; credit card interchange and routing proposals, including in the context of the National Defense Authorization Act, and the RECOUP Act of 2023 (S. 2190); and legislative responses to bank regulatory capital proposals.

General issues related to the operation of the Dodd-Frank Act, GSE reform and the future of housing finance, cybersecurity, data security, digital currency regulation, credit and debit interchange, and privacy. Specific issues included: draft privacy, data security, cybersecurity, climate, and interchange proposals, including in the context of SEC proposed rules, and including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(HR 1165), issues related to scope, timing, preemption and functional regulation.

General issues related to credit reporting, technology, data security, climate, and housing. Specific issues included: re-authorization of the National Flood Insurance Program, including both in and outside of the Appropriations process, issues related to reconstruction cost and general extension of the program; draft privacy, data security, cybersecurity, climate-risk, and breach notice proposals, including in the context of SEC rulemaking, and including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(HR 1165), and including in the context of the National Defense Authorization Act, issues related to scope, timing, preemption and functional regulation; natural hazard and climate risk tracking and its impact on lending and housing; and appraisal reform.

General issues related to the operation of the Dodd-Frank Act, GSE reform and the future of housing finance, cybersecurity, data security, digital currency regulation, credit and debit interchange, and privacy. Specific issues included: draft privacy, data security, cybersecurity, climate, and interchange proposals, including in the context of SEC proposed rules, and including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(HR 1165), issues related to scope, timing, preemption and functional regulation, and including in the context of the National Defense Authorization Act; credit card and debit card interchange and routing proposals, including in the context of the National Defense Authorization Act, spending bills, and the RECOUP Act of 2023 (S. 2190); and legislative responses to bank regulatory capital proposals.

General issues related to reform of the Dodd-Frank Act, GSE reform and the future of housing finance, cybersecurity, data security, and privacy. Specific issues included: bank and bank holding company systemic regulation; draft privacy, data security, cybersecurity, and climate proposals, including in the context of SEC proposed rules, and including the American Data Privacy and Protection Act, and the Data Privacy Act (McHenry)(H.R. 1165), issues related to timing, preemption and functional regulation; and debit and credit card interchange proposals.

General issues related to the payment system and related issues impacting financial institutions. Specific issues included: debit and credit card interchange price control proposals, including in the context of the Appropriations process; and draft privacy, data security, cybersecurity, and breach notice proposals, including in the context of SEC rulemaking, and including the American Data Privacy and Protection Act, and the Data Privacy Act (McHenry)(HR 1165), issues related to scope, timing, preemption and functional regulation.

General issues related to privacy, data security, publishing, and public records. Specific issues included: draft privacy and data security proposals, including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), issues related to fraud control and authentication protections, including in the context of the National Defense Authorization Act; and draft proposals related to authentication and fraud control involving Medicaid and other federal benefit programs.

General issues related to reform of the Dodd-Frank Act, GSE reform and the future of housing finance, cybersecurity, data security, and privacy. Specific issues included: bank and bank holding company systemic regulation and capital standards; draft privacy, data security, cybersecurity, and climate proposals, including in the context of SEC proposed rules, and including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), issues related to timing, preemption and functional regulation; and debit and credit card interchange proposals.

General issues related to credit reporting, technology, data security, climate, and housing. Specific issues included: re-authorization of the National Flood Insurance Program, including both in and outside of the Appropriations process, issues related to reconstruction cost and general extension of the program; draft privacy, data security, cybersecurity, climate-risk, and breach notice proposals, including in the context of SEC rulemaking, and including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(HR 1165), and including in the context of the National Defense Authorization Act, issues related to scope, timing, preemption and functional regulation; natural hazard and climate risk tracking and its impact on lending and housing; and appraisal reform.

General issues related to privacy, cybersecurity, data security, credit reporting, and background screening. Specific issues included: issues related to the credit reporting industry and draft amendments to the Fair Credit Reporting Act, including issues related to a common portal, disputes, scoring, and litigation; and draft privacy, data security, cybersecurity, and breach notice proposals, including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), and including in the context of the National Defense Authorization Act, issues related to preemption, functional regulation, data aggregators, Artificial Intelligence, and data brokers.

General issues related to the payment system and related issues impacting financial institutions. Specific issues included: debit and credit card interchange price controls and routing mandate proposals (Durbin-Marshall), including in the context of the Appropriations process, and in the context of the National Defense Authorization Act; and draft privacy, data security, cybersecurity, and breach notice proposals, including in the context of SEC rulemaking, and including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(HR 1165), issues related to scope, timing, preemption and functional regulation.

General issues related to privacy, data security, publishing, and public records. Specific issues included: draft privacy and data security proposals, including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), issues related to fraud control and authentication protections, including in the context of the National Defense Authorization Act; CFPB proposals and legislative proposals related to FCRA, including issues related to credit headers, fraud control, and law enforcement investigative tools; the Fourth Amendment is Not For Sale Act (HR 4639, S 2576); and draft proposals related to authentication and fraud control involving Medicaid and other federal benefits programs.

General issues related to the operation of the Dodd-Frank Act, GSE reform and the future of housing finance, cybersecurity, data security, digital currency regulation, credit and debit interchange, and privacy. Specific issues included: draft privacy, data security, cybersecurity, climate, and interchange proposals, including in the context of SEC proposed rules, and including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(HR 1165), issues related to scope, timing, preemption and functional regulation, and including in the context of the National Defense Authorization Act; credit card and debit card interchange and routing proposals, including in the context of the National Defense Authorization Act, spending bills, and the RECOUP Act of 2023 (S. 2190); and legislative responses to bank regulatory capital proposals.

General issues related to the operation of the Dodd-Frank Act, GSE reform and the future of housing finance, cybersecurity, data security, digital currency regulation, credit and debit interchange, and privacy. Specific issues included: draft privacy, data security, cybersecurity, climate, and interchange proposals, including in the context of SEC proposed rules, and including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(HR 1165), issues related to scope, timing, preemption and functional regulation; credit card interchange and routing proposals, including in the context of the National Defense Authorization Act, and the RECOUP Act of 2023 (S. 2190); and legislative responses to bank regulatory capital proposals.

General issues related to the operation of the Dodd-Frank Act, GSE reform and the future of housing finance, cybersecurity, data security, digital currency regulation, credit and debit interchange, and privacy. Specific issues included: draft privacy, data security, cybersecurity, climate, and interchange proposals, including in the context of SEC proposed rules, and including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(HR 1165), issues related to scope, timing, preemption and functional regulation, and including in the context of the National Defense Authorization Act; credit card interchange and routing proposals, including in the context of the National Defense Authorization Act, and the RECOUP Act of 2023 (S. 2190); and legislative responses to bank regulatory capital proposals.

General issues related to privacy, data security, publishing, and public records. Specific issues included: draft privacy and data security proposals, including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), issues related to fraud control and authentication protections, including in the context of the National Defense Authorization Act; CFPB proposals and legislative proposals related to FCRA, including issues related to credit headers, fraud control, and law enforcement investigative tools; the Fourth Amendment is Not For Sale Act (HR 4639, S 2576); and draft proposals related to authentication and fraud control involving Medicaid and other federal benefits programs.

General issues related to the regulation of the securities industry, retirement reform, cybersecurity, privacy, and e-commerce. Specific issues included: the regulation of asset managers and Money Market Funds, including FSOC systemic designation, stress tests and regulation; draft privacy, data security, cybersecurity, and climate proposals, including in the context of SEC proposed rules, and including the American Data Privacy and Protection Act (H.R. 8152), issues related to preemption and functional regulation; the SAFE Banking Act (H.R. 1996 and S. 910), issues impacting the regulation of financial institutions; DOL and SEC e-delivery rules; draft crypto industry proposals and their impact on financial markets; and FTC rulemaking on Hart-Scott-Rodino premerger notifications and their impact on public markets and investors.

General issues related to privacy, cybersecurity, data security, credit reporting, and background screening. Specific issues included: issues related to the credit reporting industry and possible amendments to the Fair Credit Reporting Act, including issues related to a common portal, disputes, scoring, and litigation; draft privacy, data security, cybersecurity, and breach notice proposals, including the American Data Privacy and Protection Act (H.R. 8152), issues related to preemption, penalties, and functional regulation, and issues impacting credit reporting quality; and the "National Defense Authorization Act 2023" (H.R.7900), issues impacting the credit reporting industry.

General issues related to the payment system and related issues impacting financial institutions. Specific issues included: repeal of the Durbin debit card interchange price controls; and draft interchange, privacy, data security, cybersecurity, and breach notice proposals, including in the context of SEC rulemaking, and including the American Data Privacy and Protection Act (H.R. 8152), issues related to scope, timing, preemption and functional regulation, and the "National Defense Authorization Act of 2023" (HR 7900), issues impacting the payment system.

General issues related to the payment system and related issues impacting financial institutions. Specific issues included: debit and credit card interchange price control proposals, including in the context of the Appropriations process and the "National Defense Authorization Act of 2023" (HR 7900); and draft privacy, data security, cybersecurity, and breach notice proposals, including in the context of SEC rulemaking, and including the American Data Privacy and Protection Act (H.R. 8152), issues related to scope, timing, preemption and functional regulation.

General issues related to privacy, cybersecurity, data security, credit reporting, and background screening. Specific issues included: issues related to the credit reporting industry and possible amendments to the Fair Credit Reporting Act, including issues related to a common portal, disputes, scoring, and litigation; draft privacy, data security, cybersecurity, and breach notice proposals, including the American Data Privacy and Protection Act (H.R. 8152), issues related to preemption, penalties, and functional regulation, and issues impacting credit reporting quality; and the "National Defense Authorization Act of 2023" (H.R.7900), issues impacting the credit reporting industry.

General issues related to credit reporting, technology, data security, climate, and housing. Specific issues included: re-authorization of the National Flood Insurance Program, including both in and outside of the Appropriations process, issues related to reconstruction cost and general extension of the program; draft privacy, data security, cybersecurity, climate-risk, and breach notice proposals, including in the context of SEC rulemaking, and including the American Data Privacy and Protection Act (H.R. 8152), issues related to scope, timing, preemption and functional regulation; natural hazard and climate risk tracking and its impact on lending and housing; and appraisal reform.

General issues related to cyber security, privacy, air transportation, tax, and trade. Specific issues included: aviation taxes and fees, and corporate and minimum tax proposals, in the context of the appropriations process; rollout of 5G broadband, issues impacting the safety of aviation passengers and employees; draft privacy, data security, cybersecurity, and breach notice proposals, including in the context of SEC and other agency rulemaking, and including the American Data Privacy and Protection Act (H.R. 8152), issues related to scope, timing, preemption and functional regulation impacting the aviation industry; and credit card interchange proposals, including in the context of NDAA and the Appropriations process, issues impacting aviation industry customers.

General issues related to the operation of the Dodd-Frank Act, GSE reform and the future of housing finance, cybersecurity, data security, digital currency regulation, credit and debit interchange, and privacy. Specific issues included: draft privacy, data security, cybersecurity, climate, and interchange proposals, including in the context of SEC proposed rules, and including the American Data Privacy and Protection Act (H.R. 8152), issues related to preemption and functional regulation; and debit and credit card interchange proposals.

General issues related to credit reporting, technology, data security, climate, and housing. Specific issues included: re-authorization of the National Flood Insurance Program, including both in and outside of the Appropriations process, issues related to reconstruction cost and general extension of the program; draft privacy, data security, cybersecurity, climate-risk, and breach notice proposals, including in the context of SEC rulemaking, and including the American Data Privacy and Protection Act (H.R. 8152), issues related to scope, timing, preemption and functional regulation; natural hazard and climate risk tracking and its impact on lending and housing; and appraisal reform.

General issues related to the payment system and related issues impacting financial institutions. Specific issues included: debit and credit card interchange price control proposals, including in the context of the Appropriations process and the "National Defense Authorization Act of 2023" (HR 7900); and draft privacy, data security, cybersecurity, and breach notice proposals, including in the context of SEC rulemaking, and including the American Data Privacy and Protection Act (H.R. 8152), issues related to scope, timing, preemption and functional regulation.

General issues related to cyber security, privacy, air transportation, tax, and trade. Specific issues included: aviation taxes and fees, and corporate and minimum tax proposals, in the context of the appropriations process, and the "Build Back Better Act"; rollout of 5G broadband, issues impacting the safety of aviation passengers and employees; and draft privacy, data security, cybersecurity, and breach notice proposals, including in the context of SEC and other agency rulemaking, and including the American Data Privacy and Protection Act (H.R. 8152), issues related to scope, timing, preemption and functional regulation impacting the aviation industry.

General issues related to cyber security, privacy, patent reform, cloud, mobility, data analytics, corporate governance, tax and procurement policy. Specific issues included: draft international and corporate tax provisions, including issues related to the "BEAT" regulations and minimum corporate tax in the context of the "Build Back Better Act" and the appropriations process; draft privacy, data security, cybersecurity, and climate proposals, including in the context of SEC proposed rules, and including the American Data Privacy and Protection Act (H.R. 8152), issues related to timing of notices and liability; and trade and tariff issues impacting the EU-US trade relationship.

General issues related to cyber security, privacy, air transportation, tax, and trade. Specific issues included: aviation taxes and fees, and corporate and minimum tax proposals, in the context of the appropriations process, and the "Build Back Better Act"; rollout of 5G broadband, issues impacting the safety of aviation passengers and employees; and draft privacy, data security, cybersecurity, and breach notice proposals, including in the context of SEC and other agency rulemaking, and including the American Data Privacy and Protection Act (H.R. 8152), issues related to scope, timing, preemption and functional regulation impacting the aviation industry.

General issues related to the operation of the Dodd-Frank Act, GSE reform and the future of housing finance, cybersecurity, data security, digital currency regulation, credit and debit interchange, and privacy. Specific issues included: draft privacy, data security, cybersecurity, climate, and interchange proposals, including in the context of SEC proposed rules, and including the American Data Privacy and Protection Act (H.R. 8152), issues related to preemption and functional regulation; and debit and credit card interchange proposals.

General issues related to privacy, cybersecurity, data security, credit reporting, and background screening. Specific issues included: issues related to the credit reporting industry and possible amendments to the Fair Credit Reporting Act, including issues related to a common portal, disputes, scoring, and litigation; draft privacy, data security, cybersecurity, and breach notice proposals, including the American Data Privacy and Protection Act (H.R. 8152), issues related to preemption, penalties, and functional regulation, and issues impacting credit reporting quality; and the "National Defense Authorization Act 2023" (H.R.7900), issues impacting the credit reporting industry.

General issues related to privacy, cybersecurity, data security, credit reporting, and background screening. Specific issues included: issues related to the credit reporting industry and possible amendments to the Fair Credit Reporting Act, including issues related to a common portal, disputes, scoring, and litigation; draft privacy, data security, cybersecurity, and breach notice proposals, including the American Data Privacy and Protection Act (H.R. 8152), issues related to preemption, penalties, and functional regulation, and issues impacting credit reporting quality.

General issues related to the payment system and related issues impacting financial institutions. Specific issues included: repeal of the Durbin debit card interchange price controls; and draft interchange, privacy, data security, cybersecurity, and breach notice proposals, including in the context of SEC rulemaking, and including the American Data Privacy and Protection Act (H.R. 8152), issues related to scope, timing, preemption and functional regulation, and the "National Defense Authorization Act of 2023" (HR 7900), issues impacting the payment system.