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Lewis Voting Rights Advancement Act (Rep. Sewell, 216 cosponsors) HR 22, SAVE Act (Rep. Roy, 110 cosponsors)--passed the House 220-208 on April 10th HR 51, Washington, D.C. Admission Act (Rep. Norton, 191 cosponsors) HR 55, a bill to repeal the National Voter Registration Act (Rep. Biggs, 1 cosponsor) HR 58, Voter Integrity Protection Act (Rep. Biggs, 1 cosponsor) HR 126, Students Voicing Opinions in Todays Elections (VOTE) Act (Rep. Al Green, no cosponsors) HR 154, Election Day Act (Rep. Fitzpatrick, 1 cosponsor) HR 155, Let America Vote Act (Rep. Fitzpatrick, 3 cosponsors) HR 156, Securing Our Elections Act (Rep. Fitzpatrick, no cosponsors) HR 160, Restoring Faith in Elections Act (Rep. Fitzpatrick, no cosponsors) HR 529, Restoring American Confidence in Elections (RACE) Act (Rep. Pfluger, 1 cosponsor) HR 723, Protect American Election Administration Act (Rep. Cole, 9 cosponsors) HR 738, Universal Right to Vote by Mail Act (Rep. Salinas, 8 cosponsors) HR 882, No Foreign Persons Administering Our Elections Act (Rep. Pfluger, 9 cosponsors) HR 884, a bill to prohibit individuals who are not citizens of the United States from voting in elections in the District of Columbia and to repeal the Local Resident Voting Rights Amendment Act of 2022 (Rep. Pfluger, 10 cosponsors)--passed the House on June 10th HR 1467, POLE Act (Rep. Garbarino, no cosponsors) HR 2499, A bill to codify Executive Order 14248, entitled \"Preserving and Protecting the Integrity of American Elections\" (Rep. Hamadeh, 2 cosponsors) HR 2561, One Vote One Choice Act (Rep. Lawler, 2 cosponsors) HR 2562, District of Columbia One Vote One Choice Act (Rep. Lawler, 2 cosponsors) HR 2694, Election Results Accountability Act (Rep. Obernolte, 7 cosponsors) HR 2803, Protecting Election Administration from Interference Act (Rep. Veasey, 5 cosponsors) HR 2847, Vote At Home Act (Rep. Hoyle, 13 cosponsors) HR 2968, Business Over Ballots Act (Rep. Roger Williams, 12 cosponsors) HR 3040, Preventing Ranked Choice Corruption Act (Rep. Hamadeh, 1 cosponsor) S 51, Washington, D.C. Admission Act (Sen. Van Hollen, 43 cosponsors) S 128, SAVE Act (Sen. Lee, 28 cosponsors) S 1240, Defending America's Future Elections Act (Sen. Padilla, 12 cosponsors) S 1887, Vote at Home Act (Sen. Wyden, 12 cosponsors) S 2124, Election Worker Protection Act (Sen. Klobuchar, 16 cosponsors) Money in Politics Bills in the 119th Congress HR 415, Stop Act (Rep. Boyle, no cosponsors) HR 535, Inaugural Fund Transparency Act (Rep. Scanlon, 11 cosponsors) HR 1399, Prior Approval Reform Act (Rep. Amodei, no cosponsors) HR 2352, Abolish Super PACs Act (Rep. Summer Lee, 6 cosponsors) HR 2356, Dual Loyalty Disclosure Act (Rep. Massie, 3 cosponsors) HR 2476, Stop Illegal Campaign Coordination Act (Rep. Tokuda, 4 cosponsors) HR 2498, End Dark Money Act (Rep. Crow, 1 cosponsor) HR 2816, Shell Company Abuse Act (Rep. Bell, 3 cosponsors) HR 3311, Eliminating Leftover Expenses for Campaigns from Taxpayers (ELECT) Act (Rep. Steube, no cosponsors) HR 3535, Stop Foreign Funds in Elections Act (Rep. Fitzpatrick, 1 cosponsor) S 118, Inaugural Fund Transparency Act (Sen. Cortez Masto, 4 cosponsors) S 538, ELECT Act (Sen. Ernst, no cosponsors) S 1849, ZOMBIE Act (Sen. Bennet, no cosponsors) SJ Res 43, Democracy for All Amendment (Sen. Shaheen, 40 cosponsors) Redistricting/Census Bills in the 119th Congress HR 158, CLEAN Elections Act (Rep. Fitzpatrick, 1 cosponsor) HR 2797, House Expansion Commission Act (Rep. Stevens, 1 cosponsor) HR 3877, a bill to provide for the retrocession of the District of Columbia to Maryland (Rep. Griffith, no cosponsors) Ethics, Lobbying, and Other Government Reform Bills in the 119th Congress HR 253, Bipartisan Restoring Faith in Government Act (Rep. Fitzpatrick, 3 cosponsors) HR 358, No Corruption in Government Act (Rep. Nunn, 1 cosponsor) HR 396, TRUST in Congress Act (Rep. Magaziner, 76 cosponsors) HR 1074, Supreme Court Term Limits and Regular Appointments Act (Rep. Khanna, 8 cosponsors) HR 1712, Modern Emoluments and Malfeasance Enforcement (MEME) Act (Rep. Liccardo, 18 cosponsors) HR 1883, Lobbying Disclosure Improvement Act (Rep. Miller-Meeks, 1 cosponsor) HR 1887, Disclosing Foreign Influence in Lobbying Act (Rep. Neguse, 1 cosponsor) HR 1908, End Congressional Stock Trading Act (Rep. Burchett, 1 cosponsor) HR 2180, Keep the Watchdogs Running Act (Rep. Connolly, 10 cosponsors) HR 2181, Protect Our Watchdogs Act (Rep. Connolly, 25 cosponsors) HR 2361, Cameras in the Courtroom Act (Rep. Connolly, no cosponsors) HR 2593, MARALAGO Act (Rep. Cohen, no cosponsors) HR 2624, HUMBLE Act (Rep. Craig, 1 cosponsor) HR 2675, Protecting Our Courts from Foreign Manipulation Act (Rep. Cline, no cosponsors) HR 2737, ELON MUSK Act (Rep. Pocan, 14 cosponsors) HR 2857, Drain the Swamp Act (Rep. Khanna, 3 cosponsors) HR 2795, End Judge Shopping Act (Rep. Sherrill, no cosponsors) HR 3182, Transparency in Representation through Uniform Stock Trading Ban (TRUST) Act (Rep. Bresnahan, no cosponsors) HR 3229, Foreign Agents Transparency Act (Rep. Cline, 6 cosponsors) HR 3388, Preventing Elected Leaders from Owning Securities and Investments (Rep. Alford, 1 cosponsor) HR 3513, Supreme Court Ethics, Recusal, and Transparency Act (Rep. Hank Johnson, 32 cosponsors) HR 3544, Supreme Court Tenure Establishment and Retirement Modernization (TERM) Act (Rep. Hank Johnson, 47 cosponsors) HR 3554, Close the Revolving Door Act (Rep. Neguse, no cosponsors) HR 3573, Stop TRUMP in Crypto Act (Rep. Waters, 15 cosponsors) HR 3635, Foreign Adversary Investment Prohibition Act (Rep. Kean, 1 cosponsor) HR 3680, No Corporate Crooks Act (Rep. Deluzio, 5 cosponsors) HR 3776, Don't Settle for Bribes Act (Rep. Magaziner, 4 cosponsors) HR 3779, STOCK Act 2.0 (Rep. Dave Min, 9 cosponsors) HR 4036, No Shorting America Act (Rep. Kean, 1 cosponsor) S 588, Presidential Tax Transparency Act (Sen. Wyden, 8 cosponsors) S 806, Hatch Act Enforcement Transparency and Accountability Act (Sen. Lujan, 1 cosponsor) S 856, Disclosing Foreign Influence in Lobbying Act (Sen. Grassley, 5 cosponsors) S 865, Lobbying Disclosure Improvement Act (Sen. Peters, 1 cosponsor) S 981, Foreign Agents Transparency Act (Sen. Grassley, 3 cosponsors) S 1133, Sunshine in the Courtroom Act (Sen. Grassley, 5 cosponsors) S 1146, Cameras in the Courtroom Act (Sen. Durbin, 4 cosponsors) S 1196, Special Government Employees Transparency Act (Sen. Lujan, 7 cosponsors) S 1365, No Federal Payments to Companies Controlled by Special Government Employees Act (Sen. Shaheen, no cosponsors) S 1498, Preventing Elected Leaders from Owning Securities and Investments Act (Sen. Hawley, 1 cosponsor) S 1668, End Crypto Corruption Act (Sen. Merkley, 21 cosponsors) S 1803, STABLE GENIUS Act (Sen. Bennet, no cosponsors) S 1814, Supreme Court Ethics, Recusal, and Transparency Act (Sen. Whitehouse, 26 cosponsors) S 1850, Close the Revolving Door Act (Sen. Bennet, no cosponsors) S 1873, MARSHALS Act (Sen. Booker, 4 cosponsors) S 2132, a bill to amend title 18, United States Code, to prevent and mitigate the potential for conflicts of interest following government service (Sen. Cornyn, 3 cosponsors) --Voting & Fair Representation Bills in the 119th Congress-- - **HR 3776**, Don't Settle for Bribes Act of 2025 (Rep. Magaziner (RI-02), 1 cosponsor) - To restrict the President from initiating civil lawsuits regarding any civil matters arising during their presidency until after leaving office - **HR 4908**, Time Off to Vote Act (Rep. Williams (GA-05) / Hirono (HI), 52 cosponsors) - To provide employees with a minimum of 2 consecutive hours of paid leave in order to vote in Federal elections - **HR 4917**, Expanding the VOTE Act / Expanding the Voluntary Opportunities for Translations in Elections Act (Rep. Williams (GA-05), multiple cosponsors) - To modify certain notice requirements, reduce threshold requirements for language assistance under the Voting Rights Act, study certain election requirements, clarify certain election requirements - **HR 4910**, Sustaining Our Democracy Act (Rep. Williams (GA-05), multiple cosponsors) - To establish a democracy advancement and innovation program to promote innovation to improve efficiency and smooth functioning in the administration of elections for Federal office - **HR 4909**, Voters on the Move Registration Act of 2025 (Rep. Williams (GA-05), 45 cosponsors) - To protect voter registration for individuals who have changed residences and ensure portability of voter registration across jurisdictions - **HR 4914**, Unhoused Voter Opportunity Through Elections Act (Rep. Williams (GA-05), 48 cosponsors) - To ensure that unhoused individuals can exercise their right to vote by removing barriers related to permanent address requirements - **HR 4915**, Election Mail Act (Rep. Williams (GA-05), no cosponsors) - To address issues related to election mail and ensure timely delivery of ballots and election materials through the postal service - **HR 4911**, POLL Act / People Over Long Lines Act (Rep. Williams (GA-05), multiple cosponsors) - To amend the Help America Vote Act of 2002 to ensure that voters in elections for Federal office do not wait in long lines in order to vote, establish standards for wait times at polling locations - **HR 4916**, Youth Voting Rights Act (Rep. Williams (GA-05), 44 cosponsors) - To expand youth access to voting through pre-registration of minors, on-campus polling locations, prohibition of certain residency requirements, and private right of action for age discrimination in voting - **HR 4912**, Help America Run Act (Rep. Williams (GA-05), 41 cosponsors) - To support Americans running for elected office by providing resources, reducing barriers to candidacy, and promoting diverse representation in government - **HR 4913**, CHALLENGES Act / Countering Harassment and Applying Legal Liability to Effectively Nurture Government Election Stability Act (Rep. Williams (GA-05), 33 cosponsors) - To amend the National Voter Registration Act of 1993 to protect individuals who are lawfully registered to vote from bad faith challenges to their registration status, requires clear and convincing evidence for challenges, establishes penalties --Anti-Corruption & Accountability Bills in the 119th Congress-- - **HR 3454**, Protecting Our Constitution and Communities Act (Rep. Landsman (OH-01), 11 cosponsors) - To amend the Congressional Budget and Impoundment Control Act of 1974 to provide a private right of action with respect to violations of such Act, strengthen Government Accountability Office enforcement - **H.J.Res. 54** (118th Congress), We the People Amendment (Rep. Jayapal (WA-07), 216 cosponsors in 118th Congress, reintroduced in 119th) - Proposing an amendment to the Constitution of the United States providing that the rights protected and extended by the Constitution are the rights of natural persons only, ending corporate constitutional rights and reversing Citizens United - **HR 1118** (118th Congress), DISCLOSE Act / Democracy Is Strengthened by Casting Light On Spending in Elections Act (Rep. Cicilline/Pappas, multiple cosponsors) - To require disclosure of political spending and eliminate dark money in elections - **HR 5048** (118th Congress), Protecting Our Democracy Act (Rep. Schiff, 186 cosponsors) - Comprehensive reforms to prevent presidential abuses of power and restore checks and balances - **HR 5106** (119th Congress), Restore Trust in Congress Act (Rep. Roy (R-TX) + Rep. Magaziner (D-RI), bipartisan with approximately 100 cosponsors) - To ban congressional stock trading and address conflicts of interest - **S. 3191** (119th Congress), Stop Ballroom Bribery Act (Sen. Warren, cosponsors: Sen. Blumenthal, Sen. Markey lead, Sen. Booker, Sen. Hirono, Sen. Merkley) - To prevent corruption by prohibiting federal officials from soliciting or accepting donations for White House construction or improvements from private entities while in office - **HR 6085** (119th Congress), Stop Ballroom Bribery Act (Rep. Garcia, cosponsors: Reps Summer Lee, Ayanna Pressley, Pramila Jayapal) - House companion bill to prevent corruption involving Trump ballroom donations by prohibiting White House construction donations from private entities while president is in office H.R.6356 (119th Congress), Artificial Intelligence (AI) Civil Rights Act (Rep. Yvette Clarke) - To establish civil rights protections for algorithmic decision‑making systems by prohibiting discriminatory AI uses in key areas of life, requiring robust pre‑ and post‑deployment testing for bias, and increasing transparency and accountability for high‑risk AI tools. S. 5315 (117th Congress), Anti-Corruption and Public Integrity Act (Sen. Warren; Rep. Jayapal) - To overhaul federal ethics and anti‑corruption rules by locking the revolving door, ending lobbying as currently structured, restricting stock trading and corporate board service by senior officials, establishing an independent anti‑corruption agency, strengthening judicial ethics standards, and reforming campaign finance laws to curb the influence of big and dark money in politics. S. ____ ( )Financial Disclosure Modernization Act (Sen. Schiff) - To strengthen personal financial disclosure requirements for senior federal officials by modernizing and expanding reporting categories for large assets and income, improving electronic filing and public access, and enhancing transparency to help ensure that public officials act in the public interest rather than their own financial interests. S.4822 (117th Congress) DISCLOSE Act (Sen. Whitehouse) - To increase transparency in federal elections by requiring groups that spend significant sums on campaign‑related communications to disclose their major donors, thereby limiting the ability of dark money organizations to secretly influence federal elections and policymaking. H.R. 4213 / H.R. 7147 (119th Congress), Department of Homeland Security Appropriations Act, 2026 (House Appropriations Committee; House Republican leadership) - To provide full‑year fiscal year 2026 appropriations for the Department of Homeland Security, including border and immigration enforcement, disaster response, transportation security, and related programs, while incorporating policy riders and funding decisions that affect civil rights, immigration enforcement practices, and surveillance authorities. S.J.Res. 90 / H.Con.Res.64 (119th Congress), Venezuela War Powers Resolution (Sen. Kaine; Rep. McGovern) - To invoke the War Powers Resolution by directing the removal of United States Armed Forces from hostilities in or against Venezuela that have not been expressly authorized by Congress, thereby reasserting congressional authority over decisions to introduce U.S. forces into armed conflict. H.R. 7296 (119th Congress), SAVE America Act (Rep. Roy) - aims to ensure only U.S. citizens vote in federal elections. It mandates that states require documentary proof of U.S. citizenship for voter registration and imposes a photo ID requirement for voting in federal elections. H.Con.Res.38 - Directing the President pursuant to section 5(c) of the War Powers Resolution to remove United States Armed Forces from unauthorized hostilities in the Islamic Republic of Iran. (Rep. Massie). S.J.Res.104 - A joint resolution to direct the removal of United States Armed Forces from hostilities within or against the Islamic Republic of Iran that have not been authorized by Congress. (Sen. Tim Kaine). H.R.7147 - Further Additional Continuing Appropriations Act, 2026 (Rep. Tom Cole). H.R.7744 - Department of Homeland Security Appropriations Act, 2026 (Rep. 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The problem in the banking industry has been identified by our members as being enabled by the nations largest banks and credit unions, where fraudulent accounts are opened and fraudulent checks are deposited, which clear back to many community banks, harming them and their customers, in addition to undermining the publics confidence in the nations banking and financial system. CBAI urges the regulators to fulfill their responsibilities to address this problem by initiating Joint Supervisory Guidance and ramping up their examination and enforcement against the largest financial institutions to ensure they are held accountable for their apparent safety and soundness and compliance inadequacies. Agriculture and Rural America In the 119th Congress, CBAI strongly advocates for the passage of a multi-year Farm Bill that provides ample funding for commodity programs and rural broadband, maintains strong crop insurance products, approves higher USDA-guaranteed loan limits and expedited USDA Express program approvals, and prevents the expansion of the Farm Credit System into non-farm lending activities and opposes their exemption from the Section 1071 small business data reporting requirements. Community banks and their agricultural borrowers merit favorable tax treatment for interest income on ag loans secured by ag property and primary residences in ag communities. This will help sustain and strengthen ag lending by community banks and reduce interest expenses for their banks ag borrowers. Legitimate Bank Service Charges and Fees are Not Hidden, Exploitive and Junk Fees and Necessary Consumer Financial Responsibility There have been misguided characterizations that community bank service charges and fees are exploitive, unfair and even unlawful. What some have disparaging called Junk fees are bank fees and service charges that are justified, disclosed, and accepted by the consumers who utilize bank products and services. CBAI does not support practices that abuse consumers, but policymakers must accept the position that it is the consumers responsibility to maintain a positive deposit account balance and make their debt payments in a timely manner. It is wrong for policymakers to excuse irresponsible consumer financial behavior and doing so may encourage unacceptable behavior. Realistic Perspective on Financial Inclusion CBAI strongly supports financial inclusion and believes every responsible and able consumer and business should have a banking relationship with their local community bank. There is indisputable proof that the banking industry excels at serving the banking needs of American households. CBAI supports government initiatives that educate consumers and encourage financial inclusion, but it is not the role of federal, state or governments to provide banking services. Governments can assist the private sector in financial inclusion through incentives to promote community banks offering basic accounts and small-dollar consumer loans, especially to low- and middle-income consumers, which are those most likely to be unbanked or underbanked. Protecting Consumers by Restricting the Sale of Mortgage Trigger Leads Trigger leads are generated by credit reporting agencies that contact information about consumers applying for residential mortgage loans to mortgage marketers. This practice is permitted but restricted. Our members report that many of these marketing communications fall short of the legal requirements. Trigger leads compromise consumer privacy, create a flood of unwanted (even harassing) solicitations, create confusion and result in complaints. CBAI supports legislation that would restrict credit reporting agencies from selling consumer contact information unless the applicant has opted in to receive these solicitations. Governments Unnecessary Intrusion into Banking and Lending Which Displaces Community Banks SBA Direct Lending Community banks and the SBA have a long, beneficial and cooperative private sector/public sector relationship and the SBA has historically not competed with banks in lending to businesses. Community banks are far superior in prudently underwriting and administering commercial lending relationships. The SBA originating and disbursing 7(a) loans will result in credit underwriting lapses which will put billions of taxpayer dollars at risk of loss. CBAI urges policymakers to prohibit the SBA from making direct 7(a) loans or otherwise expanding the institutions beyond well-regulated banks that could originate SBA loans. Postal Banking CBAI believes postal banking is misguided and views any entry by the USPS into banking services as a significant and government-sponsored competitive threat to private-sector and tax-paying community banks. By better utilizing the vast network of community banks, which are already fully staffed by experienced and dedicated banking professionals, there is no need for the USPS to develop and offer banking services. Public Banking CBAI believes public banking is misguided and views any entry by federal, state or local governments into banking services as a significant and government-sponsored competitive threat to private-sector and tax-paying community banks. By better utilizing the vast network of community banks, which are already fully staffed by experienced and dedicated banking professionals, there is no need for the government to offer banking services. New Credit Card Routing Mandates Efforts to mandate credit card routing is ill conceived policymaking that will fail to benefit consumers by forcing a costly overhaul of the credit card payments landscape. The beneficiaries of the new mandates will be the largest merchants (not small businesses) which will not pass their savings on to consumers. CBAI supports greater competition and opposes concentrations in financial services represented by the too-big-to-fail banks and oligopolies like VISA and MasterCard, but misguided legislation is not the solution to the problems they create. Responsible Regulation of Digital Assets - Cryptocurrency, Central Bank Digital Currency (CBDC), Stablecoins and Decentralized Finance (DeFi) The risks posed by digital assets (cryptocurrency), central Bank digital currency (CBDC) and stablecoin, and decentralized finance (DeFi) are enormous, as well as the consequences for monetary policy, our financial system, and the banking industry. They pose threats to the privacy and security of consumers and small businesses. There is no single regulator responsible for this rapidly growing sector which combines elements of currency, payments and investments, and there is insufficient transparency and lack of accountability in this ecosystem. Policymakers must develop and implement a consistent federal regulatory framework that does not permit digital assets and DeFi to offer financial services or products without being subject to the same regulations as community banks and deny nonbank stablecoin issuers access to the Federal Reserve master account, both of which would threaten the essential and highly successful business model of responsible community banks. The Federal Home Loan Banks (FHLBs) in Their Comprehensive Review by the FHFA The FHLB System is an admirable public-private partnership where the FHLBs banks provide short-term liquidity, long-term funding, mortgage-related products, and other financial services to help their owner-members weather crisis and provide affordable credit to support the local communities. FHLBanks contributes a substantial portion of its income to affordable housing and community development in their respective districts. The Federal Housing Finance Agency (FHFA) has embarked on a comprehensive review of the FHLBs. CBAI recommends that the FHFA should not seek to disrupt the cooperative structure, regional nature, special functions, and the unique purposes of the FHLBanks. Reasonable Regulatory Rules and Implementation Small Business Data Collection A Final Rule was published in March of 2023. The Final Rule was flawed because it exempted too few financial institutions and set the revenue threshold so high that it now encompasses too many businesses, in addition to raising privacy and other concerns. There have been legal challenges to the Final Rule. CBAI supports the reasonable implementation of this reporting requirement and opposed efforts by Farm Credit to exempt its lenders. Customer Data Sharing A Final Rule was published in October of 2024. The Final Rule was flawed because it exempted too few financial institutions, ignores the costs of providing this service to consumers and does not adequately protect consumers and their community banks or compensate them from any losses related to data misuse, breaches and fraud. Modernizing the Community Reinvestment Act The Final Joint Rule was published in October of 2023. The Final Joint Rule was flawed because it exempted too few financial institutions and for many other reasons. There have been legal challenges to the Final Joint Rule. CBAI supports the reasonable implementation of the CRA that includes credit unions being subject to the CRA. Reporting Beneficial Ownership Information CBAI supports shifting the burden of collecting the BOI of community bank accountholders to the Financial Crimes Enforcement Network (FinCEN). The current requirement is flawed because it does not relieve community banks from this burden. There have been legal challenges to the reporting requirements. CBAI supports making FinCEN the sole repository of BOI and relieving community banks from this burden. Federal Safe Harbor for Banking Cannabis-Related Businesses Without taking a position on the legalization of cannabis, CBAI supports a federal safe harbor from sanctions for financial institutions that choose to serve legally compliant cannabis-related businesses (CRBs) and ancillary businesses that have commercial relationships with CBRs, in states where cannabis is legal. Allowing these businesses access to the traditional banking system and its services, versus operating exclusively in cash, is a public safety issue. Closing the Industrial Loan Company (ILC) Regulatory Loophole CBAI has consistently supported the long-standing American policy of prohibiting the mixing of banking and commerce, which ILCs represent, because of the risks they pose to the financial system, the FDICs DIF, our economy, consumers and American taxpayers. The risk posed by ILCs, particularly large technology and ecommerce giants, is a regulatory loophole that allows their holding companies to escape from consolidated federal supervision and regulation. This loophole must be closed. Appropriate Regulation of Fintechs and Innovations in Financial Services The pace of innovation in financial services has been accelerating. Many of these new services are offered by financial technology companies - better known as fintechs. Financial innovation presents community banks with challenges and opportunities. Policymakers should reasonably assist community banks to prepare for this new and evolving era, not pose unreasonable requirements on them, and not give fintechs any competitive advantages over community banks by subjecting them to lesser regulatory requirements. Prescriptive and Intrusive FDIC Corporate Governance Guidelines In 2023, the FDIC proposed new corporate governance and risk management guidelines. Although the guidelines only apply to covered institutions with $10 billion or more in assets, these overly prescriptive guidelines apply the same set of standards to larger community banks as they do to the nations largest banks. These guidelines would make it even more difficult to attract new directors, particularly those in rural areas. Harmful Climate Risk Regulations Community bankers high-contact and relationship-based lending model ensures that controls are in place to monitor climate risks on an ongoing basis. CBAI opposes any climate change regulations that will adversely impact community banks and their ability to support their customers and communities. Meaningful Regulatory Relief for Community Banks and Regulatory Overreach CBAI joins the ICBA in supporting a more efficient system of rules and regulations, unbiased laws governing the financial sector, a safer and more secure business environment, and more efficient agricultural policies to support the nations economic growth and development in all parts of the country. Many new and significant rules have been approved which individually and collectively present incredible challenges for community banks which are less likely to be able to comply with these many new requirements. CBAI urges carefully constructed legislation and regulation, robust congressional oversight of the regulators, and a moratorium on new rules until the impact of existing rules can be thoroughly assessed to minimize the damages to community banks. Credit Unions and Their Expanded Powers Credit unions have long since strayed from their founding purposes, weaponizing their competitive advantages, and are virtually indistinguishable from tax-paying community banks. Credit union acquisitions of community banks are increasing at an alarming pace and is an abuse of the tax code which exacerbates consolidation among financial institutions, negatively impacts all taxpayers, and reduces consumer choice. Credit union abuse of their tax exemption is an existential threat to community banks and the communities they serve and must end. Farm Credit System and its Expanded Powers The Farm Credit System (FCS) has long since strayed from its founding purpose, weaponizing its competitive advantages against community banks. The FCS is the only government sponsored entity (GSE) that competes directly with community banks. Its lenders leverage their tax and funding advantages as a GSE to steal away many of the best agriculture loans from community banks, which is contrary to their mission of serving young and beginning farmers and ranchers. This blatant and continued discrimination against community banks must end, the FCS competitive advantages must be reined in, and the playing field must be leveled for community banks. Enhanced Data, Cyber and Payment Card Security (Data Security) The need for data security is paramount in financial services. Community banks are strong guardians of the security and confidentiality of their customers information. Enhanced security standards should be enforced through a tiered system where the more restrictive rules are imposed on the largest members of the financial system and economy (bot community banks) where their lapses pose the greatest threat to the largest number of consumers. Consumer Financial Protection Bureau (CFPB) Reform and Exemptions for Community Banks CFPBs regulations must provide community banks with the flexibility to meet the needs of their customers - not a one-size-fits-all approach. They must not be burdened with additional and unnecessary regulatory requirements that would prevent them from serving their customers and communities. In reforming the CFPB, the single director governance should be replaced by a five-member board or commission. A broader definition of firms that grant credit should be subject to the CFPB rules, and they should be robustly supervised and examined. The focus of any enhanced regulation of financial products should be on the largest banks and financial firms, the unregulated shadow financial industry, and fintechs - not community banks. De Novo Community Bank Formation, the Dual Banking System, and Charter Choice The chartering of many newly chartered (de novo) community banks is vitally important to maintaining a strong, growing, evolving and vibrant profession in the face of continued banking industry consolidation. Hand in hand with renewed de novo bank formation is the importance of maintaining the dual banking system, where chartering and supervision are divided between the federal government and the states, and where the federal government supervision and regulation is divided between the Federal Reserve, Office of Comptroller of the Currency, and the Federal Deposit Insurance Corporation. Community banks should be able to choose the banking charter and associated prudential regulator that best fits their unique needs and business model. Sound Principles for Housing Government Sponsored Entity (GSE) Reform Reforms in government support for housing finance remain important to the future of the housing market and the U.S. economy. Unlike other private aggregators or investors, the GSEs have a mandate to serve all markets at all times, which is critical to maintaining liquidity particularly when markets are experiencing financial stress and private capital moves to the sidelines. Exiting receivership includes building capital to successfully operate within a broader housing finance framework, and bipartisan agreement on the proper role of the housing GSEs and the programs necessary to fulfill reasonable and consistent housing goals. Responsible Bank Merger Activity Some community banks have found it helpful to merge with other community banks to be able to spread the significant and escalating costs of regulatory compliance, cybersecurity, technology and innovation to remain highly competitive. Restrictive bank merger legislation or regulations should not apply to community banks. The Federal Reserves Role in Payments System Improvement (FedNow Service) The FedNow Service is a significant payments system improvement. The payments system must not be monopolized by The Clearing House and its large bank owners with their RTP Network. Community banks, consumers and small businesses must rely on the Federal Reserve to provide access to a safe and secure payments system, which requires the Fed to play a preeminent role in system improvements. The FedNow Service should have robust capabilities, should be interoperable with other payments systems and should only be accessed by regulated financial institutions - not Amazon, Walmart, and the many fintechs that are seeking direct access to the payment rails. Finally Address the Risks of Too-Big-To-Fail (and now Too-Big-To-Not-Insure) Banks and Financial Firms, to Protect Community Banks, our Financial System, the Economy, and American Taxpayers from Future Bailouts Too-Big-To-Not-Insure The 2023 failures of Silicon Valley Bank and Signature Bank revealed that policymakers have created a new category of very large banks - Too-Big-To-Not-Insure (although they will fail) because the FDIC decided to insure 100% of the uninsured deposits of these two failed banks. There must be accountability by both the banks and the regulators for their respective failures. In the future, if systemically important financial institutions (SIFIs) cause losses to the DIF then SIFIs should be responsible for reimbursing the DIF for all the losses they created. Too-Big-To-Fail The Great Financial Crisis, and the mini crisis caused by the failures of SVB and SBNY, were caused by the misconduct of the nations largest banks and financial firms and by banking regulators that did not ensure the safety and soundness of these financial behemoths. The megabanks and financial firms have proven, at great cost to American taxpayers, that they cannot be managed, supervised, disciplined or prosecuted. They are clearly too-big-to-change, too-big-to-fail, and must be downsized. This necessary policy objective can be accomplished by separating the traditional deposit-taking and lending activities of the largest banks from their speculative investment banking, securities underwriting, and market making activities. The time to act is now before the next financial crisis. (House and Senate) Legislation and Regulation - H.R. 1799 the Threshold Modernization Act (All Sections) regarding thresholds for currency transaction reporting and Suspicious Activity Reporting (SAR) (House) H.R. 7056 the Community Bank Tailoring Act (All Sections) regarding indexing various asset-based and bank-regulatory reporting thresholds o nominal GDP for community banks (House) H.R. 6955 the Main Street Capital Access Act (All Sections) regarding regulatory fairness, transparency and right-sizing; promoting healthy, growing, and competitive banking industry; and improving access o funding and capital for small to mid-sized banks (House) H.R. 6644 the Housing for the 21st Century Act (Title VI) regarding he inclusion of FDIC modernizing insurance and reciprocal deposit rules, targeted regulatory and examination relief, lowering compliance costs, encouraging the formation of new community banks, and strengthen Minority Depository Institutions (MDIs) (House and Senate) S. 2651 or the ROAD Act which is the 21st Century ROAD to Housing Act regarding the inclusion of the provisions in H.R. 6644 (Housing for the 21st Century Act (Title VI) (House and Senate) H.R. 7567 or the Farm, Food, and National Security Act of 2026 (aka the Farm Bill) regarding strengthening the farm safety net, USDA guaranteed loan improvements, Farm Credit System (FCS) expansion provisions, Essential Community Facility (ECF) lending expansion, FCS ownership of Rural Business Investment Corporations (RBICs), loans to businesses for aquatic-related purposes, and potential amendment - expanding FCS home mortgage lending to towns of 10,000 (House) Letters - Comment Letter to the FDIC regarding PayPal Holdings, Inc. application to the FDIC for deposit insurance for PayPal Bank (FDIC) Comment Letter to the IRS regarding interim guidance concerning interest on loans secured by rural or agricultural real property under section 139L of the Internal Revenue Code - Notice 2025-71 (IRS) Comment Letter to the OCC, FDIC and Federal Reserve regarding Notice of Proposed Rulemaking: Regulatory Capital Rule: Revisions to the Community Bank Leverage Ratio Framework - Docket ID OCC-2025-0141, Federal Reserve Docket No. R-1876 and RIN 7100-AH08, and FDIC RIN 3064-AG17 (OCC, FDIC and Federal Reserve) Comment Letter to the Federal Reserve regarding Request for Information and Comment on Reserve Board Payment Account Prototype - Docket No. OP-1877 (aka Fed skinny payment accounts) (Federal Reserve) Comment Letter to the Federal Reserve regarding Request for Information and Comments on the Future of the Federal Reserve Banks Check Services - Docket No. OP-1874 (Federal Reserve) Comment Letter to the OCC regarding Notice of Proposed Rulemaking: Revised Guidelines - OCC Guidelines Establishing Heightened Standards for Certain Large Insured National Banks, Insured Federal Savings Associations, and Insured Federal Branches; Technical Amendments - Docket ID OCC-2025-0207 (OCC) Action Alerts - Action Alert - Urge Your Representative to Support Community Bank Regulatory Relief (House) (See H.R. 6644 Housing for the 21st Century Act above) Miscellaneous - Potential House field hearing on financial fraud (House) Approval of application for Kraken master account with the Federal Reserve (House) EGRPRA Outreach Meeting presentation on March 26, 2026, regarding de novos, particularly newly chartered community banks (OCC, FDIC, Federal Reserve)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":52194,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":"GLENN","last_name":"SCHROEDER","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":54,"name":"Federal Deposit Insurance Corporation (FDIC)"},{"id":62,"name":"Federal Reserve System"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":188,"name":"Internal Revenue Service (IRS)"},{"id":183,"name":"Office of the Comptroller of the Currency (OCC)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"FIN","general_issue_code_display":"Financial Institutions/Investments/Securities","description":"CBAI Federal Policy Priorities - Bank Regulators Fulfilling Their Responsibilities Regarding Check Fraud Including Reimbursement for Fraudulently Altered Returned Checks Community banks continue to experience a growing problem of check fraud including reimbursements for fraudulently altered checks drawn on their customers accounts. The problem in the banking industry has been identified by our members as being enabled by the nations largest banks and credit unions, where fraudulent accounts are opened and fraudulent checks are deposited, which clear back to many community banks, harming them and their customers, in addition to undermining the publics confidence in the nations banking and financial system. CBAI urges the regulators to fulfill their responsibilities to address this problem by initiating Joint Supervisory Guidance and ramping up their examination and enforcement against the largest financial institutions to ensure they are held accountable for their apparent safety and soundness and compliance inadequacies. Agriculture and Rural America In the 119th Congress, CBAI strongly advocates for the passage of a multi-year Farm Bill that provides ample funding for commodity programs and rural broadband, maintains strong crop insurance products, approves higher USDA-guaranteed loan limits and expedited USDA Express program approvals, and prevents the expansion of the Farm Credit System into non-farm lending activities and opposes their exemption from the Section 1071 small business data reporting requirements. Community banks and their agricultural borrowers merit favorable tax treatment for interest income on ag loans secured by ag property and primary residences in ag communities. This will help sustain and strengthen ag lending by community banks and reduce interest expenses for their banks ag borrowers. Legitimate Bank Service Charges and Fees are Not Hidden, Exploitive and Junk Fees and Necessary Consumer Financial Responsibility There have been misguided characterizations that community bank service charges and fees are exploitive, unfair and even unlawful. What some have disparaging called Junk fees are bank fees and service charges that are justified, disclosed, and accepted by the consumers who utilize bank products and services. CBAI does not support practices that abuse consumers, but policymakers must accept the position that it is the consumers responsibility to maintain a positive deposit account balance and make their debt payments in a timely manner. It is wrong for policymakers to excuse irresponsible consumer financial behavior and doing so may encourage unacceptable behavior. Realistic Perspective on Financial Inclusion CBAI strongly supports financial inclusion and believes every responsible and able consumer and business should have a banking relationship with their local community bank. There is indisputable proof that the banking industry excels at serving the banking needs of American households. CBAI supports government initiatives that educate consumers and encourage financial inclusion, but it is not the role of federal, state or governments to provide banking services. Governments can assist the private sector in financial inclusion through incentives to promote community banks offering basic accounts and small-dollar consumer loans, especially to low- and middle-income consumers, which are those most likely to be unbanked or underbanked. Protecting Consumers by Restricting the Sale of Mortgage Trigger Leads Trigger leads are generated by credit reporting agencies that contact information about consumers applying for residential mortgage loans to mortgage marketers. This practice is permitted but restricted. Our members report that many of these marketing communications fall short of the legal requirements. Trigger leads compromise consumer privacy, create a flood of unwanted (even harassing) solicitations, create confusion and result in complaints. CBAI supports legislation that would restrict credit reporting agencies from selling consumer contact information unless the applicant has opted in to receive these solicitations. Governments Unnecessary Intrusion into Banking and Lending Which Displaces Community Banks SBA Direct Lending Community banks and the SBA have a long, beneficial and cooperative private sector/public sector relationship and the SBA has historically not competed with banks in lending to businesses. Community banks are far superior in prudently underwriting and administering commercial lending relationships. The SBA originating and disbursing 7(a) loans will result in credit underwriting lapses which will put billions of taxpayer dollars at risk of loss. CBAI urges policymakers to prohibit the SBA from making direct 7(a) loans or otherwise expanding the institutions beyond well-regulated banks that could originate SBA loans. Postal Banking CBAI believes postal banking is misguided and views any entry by the USPS into banking services as a significant and government-sponsored competitive threat to private-sector and tax-paying community banks. By better utilizing the vast network of community banks, which are already fully staffed by experienced and dedicated banking professionals, there is no need for the USPS to develop and offer banking services. Public Banking CBAI believes public banking is misguided and views any entry by federal, state or local governments into banking services as a significant and government-sponsored competitive threat to private-sector and tax-paying community banks. By better utilizing the vast network of community banks, which are already fully staffed by experienced and dedicated banking professionals, there is no need for the government to offer banking services. New Credit Card Routing Mandates Efforts to mandate credit card routing is ill conceived policymaking that will fail to benefit consumers by forcing a costly overhaul of the credit card payments landscape. The beneficiaries of the new mandates will be the largest merchants (not small businesses) which will not pass their savings on to consumers. CBAI supports greater competition and opposes concentrations in financial services represented by the too-big-to-fail banks and oligopolies like VISA and MasterCard, but misguided legislation is not the solution to the problems they create. Responsible Regulation of Digital Assets - Cryptocurrency, Central Bank Digital Currency (CBDC), Stablecoins and Decentralized Finance (DeFi) The risks posed by digital assets (cryptocurrency), central Bank digital currency (CBDC) and stablecoin, and decentralized finance (DeFi) are enormous, as well as the consequences for monetary policy, our financial system, and the banking industry. They pose threats to the privacy and security of consumers and small businesses. There is no single regulator responsible for this rapidly growing sector which combines elements of currency, payments and investments, and there is insufficient transparency and lack of accountability in this ecosystem. Policymakers must develop and implement a consistent federal regulatory framework that does not permit digital assets and DeFi to offer financial services or products without being subject to the same regulations as community banks and deny nonbank stablecoin issuers access to the Federal Reserve master account, both of which would threaten the essential and highly successful business model of responsible community banks. The Federal Home Loan Banks (FHLBs) in Their Comprehensive Review by the FHFA The FHLB System is an admirable public-private partnership where the FHLBs banks provide short-term liquidity, long-term funding, mortgage-related products, and other financial services to help their owner-members weather crisis and provide affordable credit to support the local communities. FHLBanks contributes a substantial portion of its income to affordable housing and community development in their respective districts. The Federal Housing Finance Agency (FHFA) has embarked on a comprehensive review of the FHLBs. CBAI recommends that the FHFA should not seek to disrupt the cooperative structure, regional nature, special functions, and the unique purposes of the FHLBanks. Reasonable Regulatory Rules and Implementation Small Business Data Collection A Final Rule was published in March of 2023. The Final Rule was flawed because it exempted too few financial institutions and set the revenue threshold so high that it now encompasses too many businesses, in addition to raising privacy and other concerns. There have been legal challenges to the Final Rule. CBAI supports the reasonable implementation of this reporting requirement and opposed efforts by Farm Credit to exempt its lenders. Customer Data Sharing A Final Rule was published in October of 2024. The Final Rule was flawed because it exempted too few financial institutions, ignores the costs of providing this service to consumers and does not adequately protect consumers and their community banks or compensate them from any losses related to data misuse, breaches and fraud. Modernizing the Community Reinvestment Act The Final Joint Rule was published in October of 2023. The Final Joint Rule was flawed because it exempted too few financial institutions and for many other reasons. There have been legal challenges to the Final Joint Rule. CBAI supports the reasonable implementation of the CRA that includes credit unions being subject to the CRA. Reporting Beneficial Ownership Information CBAI supports shifting the burden of collecting the BOI of community bank accountholders to the Financial Crimes Enforcement Network (FinCEN). The current requirement is flawed because it does not relieve community banks from this burden. There have been legal challenges to the reporting requirements. CBAI supports making FinCEN the sole repository of BOI and relieving community banks from this burden. Federal Safe Harbor for Banking Cannabis-Related Businesses Without taking a position on the legalization of cannabis, CBAI supports a federal safe harbor from sanctions for financial institutions that choose to serve legally compliant cannabis-related businesses (CRBs) and ancillary businesses that have commercial relationships with CBRs, in states where cannabis is legal. Allowing these businesses access to the traditional banking system and its services, versus operating exclusively in cash, is a public safety issue. Closing the Industrial Loan Company (ILC) Regulatory Loophole CBAI has consistently supported the long-standing American policy of prohibiting the mixing of banking and commerce, which ILCs represent, because of the risks they pose to the financial system, the FDICs DIF, our economy, consumers and American taxpayers. The risk posed by ILCs, particularly large technology and ecommerce giants, is a regulatory loophole that allows their holding companies to escape from consolidated federal supervision and regulation. This loophole must be closed. Appropriate Regulation of Fintechs and Innovations in Financial Services The pace of innovation in financial services has been accelerating. Many of these new services are offered by financial technology companies - better known as fintechs. Financial innovation presents community banks with challenges and opportunities. Policymakers should reasonably assist community banks to prepare for this new and evolving era, not pose unreasonable requirements on them, and not give fintechs any competitive advantages over community banks by subjecting them to lesser regulatory requirements. Prescriptive and Intrusive FDIC Corporate Governance Guidelines In 2023, the FDIC proposed new corporate governance and risk management guidelines. Although the guidelines only apply to covered institutions with $10 billion or more in assets, these overly prescriptive guidelines apply the same set of standards to larger community banks as they do to the nations largest banks. These guidelines would make it even more difficult to attract new directors, particularly those in rural areas. Harmful Climate Risk Regulations Community bankers high-contact and relationship-based lending model ensures that controls are in place to monitor climate risks on an ongoing basis. CBAI opposes any climate change regulations that will adversely impact community banks and their ability to support their customers and communities. Meaningful Regulatory Relief for Community Banks and Regulatory Overreach CBAI joins the ICBA in supporting a more efficient system of rules and regulations, unbiased laws governing the financial sector, a safer and more secure business environment, and more efficient agricultural policies to support the nations economic growth and development in all parts of the country. Many new and significant rules have been approved which individually and collectively present incredible challenges for community banks which are less likely to be able to comply with these many new requirements. CBAI urges carefully constructed legislation and regulation, robust congressional oversight of the regulators, and a moratorium on new rules until the impact of existing rules can be thoroughly assessed to minimize the damages to community banks. Credit Unions and Their Expanded Powers Credit unions have long since strayed from their founding purposes, weaponizing their competitive advantages, and are virtually indistinguishable from tax-paying community banks. Credit union acquisitions of community banks are increasing at an alarming pace and is an abuse of the tax code which exacerbates consolidation among financial institutions, negatively impacts all taxpayers, and reduces consumer choice. Credit union abuse of their tax exemption is an existential threat to community banks and the communities they serve and must end. Farm Credit System and its Expanded Powers The Farm Credit System (FCS) has long since strayed from its founding purpose, weaponizing its competitive advantages against community banks. The FCS is the only government sponsored entity (GSE) that competes directly with community banks. Its lenders leverage their tax and funding advantages as a GSE to steal away many of the best agriculture loans from community banks, which is contrary to their mission of serving young and beginning farmers and ranchers. This blatant and continued discrimination against community banks must end, the FCS competitive advantages must be reined in, and the playing field must be leveled for community banks. Enhanced Data, Cyber and Payment Card Security (Data Security) The need for data security is paramount in financial services. Community banks are strong guardians of the security and confidentiality of their customers information. Enhanced security standards should be enforced through a tiered system where the more restrictive rules are imposed on the largest members of the financial system and economy (bot community banks) where their lapses pose the greatest threat to the largest number of consumers. Consumer Financial Protection Bureau (CFPB) Reform and Exemptions for Community Banks CFPBs regulations must provide community banks with the flexibility to meet the needs of their customers - not a one-size-fits-all approach. They must not be burdened with additional and unnecessary regulatory requirements that would prevent them from serving their customers and communities. In reforming the CFPB, the single director governance should be replaced by a five-member board or commission. A broader definition of firms that grant credit should be subject to the CFPB rules, and they should be robustly supervised and examined. The focus of any enhanced regulation of financial products should be on the largest banks and financial firms, the unregulated shadow financial industry, and fintechs - not community banks. De Novo Community Bank Formation, the Dual Banking System, and Charter Choice The chartering of many newly chartered (de novo) community banks is vitally important to maintaining a strong, growing, evolving and vibrant profession in the face of continued banking industry consolidation. Hand in hand with renewed de novo bank formation is the importance of maintaining the dual banking system, where chartering and supervision are divided between the federal government and the states, and where the federal government supervision and regulation is divided between the Federal Reserve, Office of Comptroller of the Currency, and the Federal Deposit Insurance Corporation. Community banks should be able to choose the banking charter and associated prudential regulator that best fits their unique needs and business model. Sound Principles for Housing Government Sponsored Entity (GSE) Reform Reforms in government support for housing finance remain important to the future of the housing market and the U.S. economy. Unlike other private aggregators or investors, the GSEs have a mandate to serve all markets at all times, which is critical to maintaining liquidity particularly when markets are experiencing financial stress and private capital moves to the sidelines. Exiting receivership includes building capital to successfully operate within a broader housing finance framework, and bipartisan agreement on the proper role of the housing GSEs and the programs necessary to fulfill reasonable and consistent housing goals. Responsible Bank Merger Activity Some community banks have found it helpful to merge with other community banks to be able to spread the significant and escalating costs of regulatory compliance, cybersecurity, technology and innovation to remain highly competitive. Restrictive bank merger legislation or regulations should not apply to community banks. The Federal Reserves Role in Payments System Improvement (FedNow Service) The FedNow Service is a significant payments system improvement. The payments system must not be monopolized by The Clearing House and its large bank owners with their RTP Network. Community banks, consumers and small businesses must rely on the Federal Reserve to provide access to a safe and secure payments system, which requires the Fed to play a preeminent role in system improvements. The FedNow Service should have robust capabilities, should be interoperable with other payments systems and should only be accessed by regulated financial institutions - not Amazon, Walmart, and the many fintechs that are seeking direct access to the payment rails. Finally Address the Risks of Too-Big-To-Fail (and now Too-Big-To-Not-Insure) Banks and Financial Firms, to Protect Community Banks, our Financial System, the Economy, and American Taxpayers from Future Bailouts Too-Big-To-Not-Insure The 2023 failures of Silicon Valley Bank and Signature Bank revealed that policymakers have created a new category of very large banks - Too-Big-To-Not-Insure (although they will fail) because the FDIC decided to insure 100% of the uninsured deposits of these two failed banks. There must be accountability by both the banks and the regulators for their respective failures. In the future, if systemically important financial institutions (SIFIs) cause losses to the DIF then SIFIs should be responsible for reimbursing the DIF for all the losses they created. Too-Big-To-Fail The Great Financial Crisis, and the mini crisis caused by the failures of SVB and SBNY, were caused by the misconduct of the nations largest banks and financial firms and by banking regulators that did not ensure the safety and soundness of these financial behemoths. The megabanks and financial firms have proven, at great cost to American taxpayers, that they cannot be managed, supervised, disciplined or prosecuted. They are clearly too-big-to-change, too-big-to-fail, and must be downsized. This necessary policy objective can be accomplished by separating the traditional deposit-taking and lending activities of the largest banks from their speculative investment banking, securities underwriting, and market making activities. The time to act is now before the next financial crisis. (House and Senate) Legislation and Regulation - H.R. 1799 the Threshold Modernization Act (All Sections) regarding thresholds for currency transaction reporting and Suspicious Activity Reporting (SAR) (House) H.R. 7056 the Community Bank Tailoring Act (All Sections) regarding indexing various asset-based and bank-regulatory reporting thresholds o nominal GDP for community banks (House) H.R. 6955 the Main Street Capital Access Act (All Sections) regarding regulatory fairness, transparency and right-sizing; promoting healthy, growing, and competitive banking industry; and improving access o funding and capital for small to mid-sized banks (House) H.R. 6644 the Housing for the 21st Century Act (Title VI) regarding he inclusion of FDIC modernizing insurance and reciprocal deposit rules, targeted regulatory and examination relief, lowering compliance costs, encouraging the formation of new community banks, and strengthen Minority Depository Institutions (MDIs) (House and Senate) S. 2651 or the ROAD Act which is the 21st Century ROAD to Housing Act regarding the inclusion of the provisions in H.R. 6644 (Housing for the 21st Century Act (Title VI) (House and Senate) H.R. 7567 or the Farm, Food, and National Security Act of 2026 (aka the Farm Bill) regarding strengthening the farm safety net, USDA guaranteed loan improvements, Farm Credit System (FCS) expansion provisions, Essential Community Facility (ECF) lending expansion, FCS ownership of Rural Business Investment Corporations (RBICs), loans to businesses for aquatic-related purposes, and potential amendment - expanding FCS home mortgage lending to towns of 10,000 (House) Letters - Comment Letter to the FDIC regarding PayPal Holdings, Inc. application to the FDIC for deposit insurance for PayPal Bank (FDIC) Comment Letter to the IRS regarding interim guidance concerning interest on loans secured by rural or agricultural real property under section 139L of the Internal Revenue Code - Notice 2025-71 (IRS) Comment Letter to the OCC, FDIC and Federal Reserve regarding Notice of Proposed Rulemaking: Regulatory Capital Rule: Revisions to the Community Bank Leverage Ratio Framework - Docket ID OCC-2025-0141, Federal Reserve Docket No. R-1876 and RIN 7100-AH08, and FDIC RIN 3064-AG17 (OCC, FDIC and Federal Reserve) Comment Letter to the Federal Reserve regarding Request for Information and Comment on Reserve Board Payment Account Prototype - Docket No. OP-1877 (aka Fed skinny payment accounts) (Federal Reserve) Comment Letter to the Federal Reserve regarding Request for Information and Comments on the Future of the Federal Reserve Banks Check Services - Docket No. OP-1874 (Federal Reserve) Comment Letter to the OCC regarding Notice of Proposed Rulemaking: Revised Guidelines - OCC Guidelines Establishing Heightened Standards for Certain Large Insured National Banks, Insured Federal Savings Associations, and Insured Federal Branches; Technical Amendments - Docket ID OCC-2025-0207 (OCC) Action Alerts - Action Alert - Urge Your Representative to Support Community Bank Regulatory Relief (House) (See H.R. 6644 Housing for the 21st Century Act above) Miscellaneous - Potential House field hearing on financial fraud (House) Approval of application for Kraken master account with the Federal Reserve (House) EGRPRA Outreach Meeting presentation on March 26, 2026, regarding de novos, particularly newly chartered community banks (OCC, FDIC, Federal Reserve)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":52194,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":"GLENN","last_name":"SCHROEDER","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":54,"name":"Federal Deposit Insurance Corporation (FDIC)"},{"id":62,"name":"Federal Reserve System"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":188,"name":"Internal Revenue Service (IRS)"},{"id":183,"name":"Office of the Comptroller of the Currency (OCC)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"AGR","general_issue_code_display":"Agriculture","description":"CBAI Federal Policy Priorities - Bank Regulators Fulfilling Their Responsibilities Regarding Check Fraud Including Reimbursement for Fraudulently Altered Returned Checks Community banks continue to experience a growing problem of check fraud including reimbursements for fraudulently altered checks drawn on their customers accounts. The problem in the banking industry has been identified by our members as being enabled by the nations largest banks and credit unions, where fraudulent accounts are opened and fraudulent checks are deposited, which clear back to many community banks, harming them and their customers, in addition to undermining the publics confidence in the nations banking and financial system. CBAI urges the regulators to fulfill their responsibilities to address this problem by initiating Joint Supervisory Guidance and ramping up their examination and enforcement against the largest financial institutions to ensure they are held accountable for their apparent safety and soundness and compliance inadequacies. Agriculture and Rural America In the 119th Congress, CBAI strongly advocates for the passage of a multi-year Farm Bill that provides ample funding for commodity programs and rural broadband, maintains strong crop insurance products, approves higher USDA-guaranteed loan limits and expedited USDA Express program approvals, and prevents the expansion of the Farm Credit System into non-farm lending activities and opposes their exemption from the Section 1071 small business data reporting requirements. Community banks and their agricultural borrowers merit favorable tax treatment for interest income on ag loans secured by ag property and primary residences in ag communities. This will help sustain and strengthen ag lending by community banks and reduce interest expenses for their banks ag borrowers. New Credit Card Routing Mandates Efforts to mandate credit card routing is ill conceived policymaking that will fail to benefit consumers by forcing a costly overhaul of the credit card payments landscape. The beneficiaries of the new mandates will be the largest merchants (not small businesses) which will not pass their savings on to consumers. CBAI supports greater competition and opposes concentrations in financial services represented by the too-big-to-fail banks and oligopolies like VISA and MasterCard, but misguided legislation is not the solution to the problems they create. Responsible Regulation of Digital Assets - Cryptocurrency, Central Bank Digital Currency (CBDC), Stablecoins and Decentralized Finance (DeFi) The risks posed by digital assets (cryptocurrency), central Bank digital currency (CBDC) and stablecoin, and decentralized finance (DeFi) are enormous, as well as the consequences for monetary policy, our financial system, and the banking industry. They pose threats to the privacy and security of consumers and small businesses. There is no single regulator responsible for this rapidly growing sector which combines elements of currency, payments and investments, and there is insufficient transparency and lack of accountability in this ecosystem. Policymakers must develop and implement a consistent federal regulatory framework that does not permit digital assets and DeFi to offer financial services or products without being subject to the same regulations as community banks and deny nonbank stablecoin issuers access to the Federal Reserve master account, both of which would threaten the essential and highly successful business model of responsible community banks. The Federal Home Loan Banks (FHLBs) in Their Comprehensive Review by the FHFA The FHLB System is an admirable public-private partnership where the FHLBs banks provide short-term liquidity, long-term funding, mortgage-related products, and other financial services to help their owner-members weather crisis and provide affordable credit to support the local communities. FHLBanks contributes a substantial portion of its income to affordable housing and community development in their respective districts. The Federal Housing Finance Agency (FHFA) has embarked on a comprehensive review of the FHLBs. CBAI recommends that the FHFA should not seek to disrupt the cooperative structure, regional nature, special functions, and the unique purposes of the FHLBanks. Reasonable Regulatory Rules and Implementation Small Business Data Collection A Final Rule was published in March of 2023. The Final Rule was flawed because it exempted too few financial institutions and set the revenue threshold so high that it now encompasses too many businesses, in addition to raising privacy and other concerns. There have been legal challenges to the Final Rule. CBAI supports the reasonable implementation of this reporting requirement and opposed efforts by Farm Credit to exempt its lenders. Customer Data Sharing A Final Rule was published in October of 2024. The Final Rule was flawed because it exempted too few financial institutions, ignores the costs of providing this service to consumers and does not adequately protect consumers and their community banks or compensate them from any losses related to data misuse, breaches and fraud. Modernizing the Community Reinvestment Act The Final Joint Rule was published in October of 2023. The Final Joint Rule was flawed because it exempted too few financial institutions and for many other reasons. There have been legal challenges to the Final Joint Rule. CBAI supports the reasonable implementation of the CRA that includes credit unions being subject to the CRA. Reporting Beneficial Ownership Information CBAI supports shifting the burden of collecting the BOI of community bank accountholders to the Financial Crimes Enforcement Network (FinCEN). The current requirement is flawed because it does not relieve community banks from this burden. There have been legal challenges to the reporting requirements. CBAI supports making FinCEN the sole repository of BOI and relieving community banks from this burden. Federal Safe Harbor for Banking Cannabis-Related Businesses Without taking a position on the legalization of cannabis, CBAI supports a federal safe harbor from sanctions for financial institutions that choose to serve legally compliant cannabis-related businesses (CRBs) and ancillary businesses that have commercial relationships with CBRs, in states where cannabis is legal. Allowing these businesses access to the traditional banking system and its services, versus operating exclusively in cash, is a public safety issue. Harmful Climate Risk Regulations Community bankers high-contact and relationship-based lending model ensures that controls are in place to monitor climate risks on an ongoing basis. CBAI opposes any climate change regulations that will adversely impact community banks and their ability to support their customers and communities. Meaningful Regulatory Relief for Community Banks and Regulatory Overreach CBAI joins the ICBA in supporting a more efficient system of rules and regulations, unbiased laws governing the financial sector, a safer and more secure business environment, and more efficient agricultural policies to support the nations economic growth and development in all parts of the country. Many new and significant rules have been approved which individually and collectively present incredible challenges for community banks which are less likely to be able to comply with these many new requirements. CBAI urges carefully constructed legislation and regulation, robust congressional oversight of the regulators, and a moratorium on new rules until the impact of existing rules can be thoroughly assessed to minimize the damages to community banks. Credit Unions and Their Expanded Powers Credit unions have long since strayed from their founding purposes, weaponizing their competitive advantages, and are virtually indistinguishable from tax-paying community banks. Credit union acquisitions of community banks are increasing at an alarming pace and is an abuse of the tax code which exacerbates consolidation among financial institutions, negatively impacts all taxpayers, and reduces consumer choice. Credit union abuse of their tax exemption is an existential threat to community banks and the communities they serve and must end. Farm Credit System and its Expanded Powers The Farm Credit System (FCS) has long since strayed from its founding purpose, weaponizing its competitive advantages against community banks. The FCS is the only government sponsored entity (GSE) that competes directly with community banks. Its lenders leverage their tax and funding advantages as a GSE to steal away many of the best agriculture loans from community banks, which is contrary to their mission of serving young and beginning farmers and ranchers. This blatant and continued discrimination against community banks must end, the FCS competitive advantages must be reined in, and the playing field must be leveled for community banks. Enhanced Data, Cyber and Payment Card Security (Data Security) The need for data security is paramount in financial services. Community banks are strong guardians of the security and confidentiality of their customers information. Enhanced security standards should be enforced through a tiered system where the more restrictive rules are imposed on the largest members of the financial system and economy (bot community banks) where their lapses pose the greatest threat to the largest number of consumers. Sound Principles for Housing Government Sponsored Entity (GSE) Reform Reforms in government support for housing finance remain important to the future of the housing market and the U.S. economy. Unlike other private aggregators or investors, the GSEs have a mandate to serve all markets at all times, which is critical to maintaining liquidity particularly when markets are experiencing financial stress and private capital moves to the sidelines. Exiting receivership includes building capital to successfully operate within a broader housing finance framework, and bipartisan agreement on the proper role of the housing GSEs and the programs necessary to fulfill reasonable and consistent housing goals. The Federal Reserves Role in Payments System Improvement (FedNow Service) The FedNow Service is a significant payments system improvement. The payments system must not be monopolized by The Clearing House and its large bank owners with their RTP Network. Community banks, consumers and small businesses must rely on the Federal Reserve to provide access to a safe and secure payments system, which requires the Fed to play a preeminent role in system improvements. The FedNow Service should have robust capabilities, should be interoperable with other payments systems and should only be accessed by regulated financial institutions - not Amazon, Walmart, and the many fintechs that are seeking direct access to the payment rails. Finally Address the Risks of Too-Big-To-Fail Banks and Financial Firms, to Protect Community Banks, our Financial System, the Economy, and American Taxpayers from Future Bailouts The Great Financial Crisis, and the mini crisis caused by the failures of SVB and SBNY, were caused by the misconduct of the nations largest banks and financial firms and by banking regulators that did not ensure the safety and soundness of these financial behemoths. The megabanks and financial firms have proven, at great cost to American taxpayers, that they cannot be managed, supervised, disciplined or prosecuted. They are clearly too-big-to-change, too-big-to-fail, and must be downsized. This necessary policy objective can be accomplished by separating the traditional deposit-taking and lending activities of the largest banks from their speculative investment banking, securities underwriting, and market making activities. The time to act is now before the next financial crisis. (House and Senate) Legislation and Regulation - H.R. 6644 the Housing for the 21st Century Act (Title VI) regarding he inclusion of FDIC modernizing insurance and reciprocal deposit rules, targeted regulatory and examination relief, lowering compliance costs, encouraging the formation of new community banks, and strengthen Minority Depository Institutions (MDIs) (House) S. 2651 or the ROAD Act which is the 21st Century ROAD to Housing Act regarding the inclusion of the provisions in H.R. 6644 (Housing for the 21st Century Act (Title VI) (House and Senate) H.R. 7567 or the Farm, Food, and National Security Act of 2026 (aka the Farm Bill) regarding strengthening the farm safety net, USDA guaranteed loan improvements, Farm Credit System (FCS) expansion provisions, Essential Community Facility (ECF) lending expansion, FCS ownership of Rural Business Investment Corporations (RBICs), loans to businesses for aquatic-related purposes, and potential amendment - expanding FCS home mortgage lending to towns of 10,000 (House) Letters - Comment Letter to the IRS regarding interim guidance concerning interest on loans secured by rural or agricultural real property under section 139L of the Internal Revenue Code - Notice 2025-71 (IRS) Comment Letter to the Federal Reserve regarding Request for Information and Comments on the Future of the Federal Reserve Banks Check Services - Docket No. OP-1874 (Federal Reserve) Action Alerts - None Miscellaneous - Potential House field hearing on financial fraud (House)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":52194,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":"GLENN","last_name":"SCHROEDER","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":62,"name":"Federal Reserve System"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":188,"name":"Internal Revenue Service (IRS)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"CSP","general_issue_code_display":"Consumer Issues/Safety/Products","description":"CBAI Federal Policy Priorities - Bank Regulators Fulfilling Their Responsibilities Regarding Check Fraud Including Reimbursement for Fraudulently Altered Returned Checks Community banks continue to experience a growing problem of check fraud including reimbursements for fraudulently altered checks drawn on their customers accounts. The problem in the banking industry has been identified by our members as being enabled by the nations largest banks and credit unions, where fraudulent accounts are opened and fraudulent checks are deposited, which clear back to many community banks, harming them and their customers, in addition to undermining the publics confidence in the nations banking and financial system. CBAI urges the regulators to fulfill their responsibilities to address this problem by initiating Joint Supervisory Guidance and ramping up their examination and enforcement against the largest financial institutions to ensure they are held accountable for their apparent safety and soundness and compliance inadequacies. Legitimate Bank Service Charges and Fees are Not Hidden, Exploitive and Junk Fees and Necessary Consumer Financial Responsibility There have been misguided characterizations that community bank service charges and fees are exploitive, unfair and even unlawful. What some have disparaging called Junk fees are bank fees and service charges that are justified, disclosed, and accepted by the consumers who utilize bank products and services. CBAI does not support practices that abuse consumers, but policymakers must accept the position that it is the consumers responsibility to maintain a positive deposit account balance and make their debt payments in a timely manner. It is wrong for policymakers to excuse irresponsible consumer financial behavior and doing so may encourage unacceptable behavior. Realistic Perspective on Financial Inclusion CBAI strongly supports financial inclusion and believes every responsible and able consumer and business should have a banking relationship with their local community bank. There is indisputable proof that the banking industry excels at serving the banking needs of American households. CBAI supports government initiatives that educate consumers and encourage financial inclusion, but it is not the role of federal, state or governments to provide banking services. Governments can assist the private sector in financial inclusion through incentives to promote community banks offering basic accounts and small-dollar consumer loans, especially to low- and middle-income consumers, which are those most likely to be unbanked or underbanked. Protecting Consumers by Restricting the Sale of Mortgage Trigger Leads Trigger leads are generated by credit reporting agencies that contact information about consumers applying for residential mortgage loans to mortgage marketers. This practice is permitted but restricted. Our members report that many of these marketing communications fall short of the legal requirements. Trigger leads compromise consumer privacy, create a flood of unwanted (even harassing) solicitations, create confusion and result in complaints. CBAI supports legislation that would restrict credit reporting agencies from selling consumer contact information unless the applicant has opted in to receive these solicitations. Governments Unnecessary Intrusion into Banking and Lending Which Displaces Community Banks Postal Banking CBAI believes postal banking is misguided and views any entry by the USPS into banking services as a significant and government-sponsored competitive threat to private-sector and tax-paying community banks. By better utilizing the vast network of community banks, which are already fully staffed by experienced and dedicated banking professionals, there is no need for the USPS to develop and offer banking services. Public Banking CBAI believes public banking is misguided and views any entry by federal, state or local governments into banking services as a significant and government-sponsored competitive threat to private-sector and tax-paying community banks. By better utilizing the vast network of community banks, which are already fully staffed by experienced and dedicated banking professionals, there is no need for the government to offer banking services. New Credit Card Routing Mandates Efforts to mandate credit card routing is ill conceived policymaking that will fail to benefit consumers by forcing a costly overhaul of the credit card payments landscape. The beneficiaries of the new mandates will be the largest merchants (not small businesses) which will not pass their savings on to consumers. CBAI supports greater competition and opposes concentrations in financial services represented by the too-big-to-fail banks and oligopolies like VISA and MasterCard, but misguided legislation is not the solution to the problems they create. Responsible Regulation of Digital Assets - Cryptocurrency, Central Bank Digital Currency (CBDC), Stablecoins and Decentralized Finance (DeFi) The risks posed by digital assets (cryptocurrency), central Bank digital currency (CBDC) and stablecoin, and decentralized finance (DeFi) are enormous, as well as the consequences for monetary policy, our financial system, and the banking industry. They pose threats to the privacy and security of consumers and small businesses. There is no single regulator responsible for this rapidly growing sector which combines elements of currency, payments and investments, and there is insufficient transparency and lack of accountability in this ecosystem. Policymakers must develop and implement a consistent federal regulatory framework that does not permit digital assets and DeFi to offer financial services or products without being subject to the same regulations as community banks and deny nonbank stablecoin issuers access to the Federal Reserve master account, both of which would threaten the essential and highly successful business model of responsible community banks. The Federal Home Loan Banks (FHLBs) in Their Comprehensive Review by the FHFA The FHLB System is an admirable public-private partnership where the FHLBs banks provide short-term liquidity, long-term funding, mortgage-related products, and other financial services to help their owner-members weather crisis and provide affordable credit to support the local communities. FHLBanks contributes a substantial portion of its income to affordable housing and community development in their respective districts. The Federal Housing Finance Agency (FHFA) has embarked on a comprehensive review of the FHLBs. CBAI recommends that the FHFA should not seek to disrupt the cooperative structure, regional nature, special functions, and the unique purposes of the FHLBanks. Reasonable Regulatory Rules and Implementation Customer Data Sharing A Final Rule was published in October of 2024. The Final Rule was flawed because it exempted too few financial institutions, ignores the costs of providing this service to consumers and does not adequately protect consumers and their community banks or compensate them from any losses related to data misuse, breaches and fraud. Modernizing the Community Reinvestment Act The Final Joint Rule was published in October of 2023. The Final Joint Rule was flawed because it exempted too few financial institutions and for many other reasons. There have been legal challenges to the Final Joint Rule. CBAI supports the reasonable implementation of the CRA that includes credit unions being subject to the CRA. Federal Safe Harbor for Banking Cannabis-Related Businesses Without taking a position on the legalization of cannabis, CBAI supports a federal safe harbor from sanctions for financial institutions that choose to serve legally compliant cannabis-related businesses (CRBs) and ancillary businesses that have commercial relationships with CBRs, in states where cannabis is legal. Allowing these businesses access to the traditional banking system and its services, versus operating exclusively in cash, is a public safety issue. Closing the Industrial Loan Company (ILC) Regulatory Loophole CBAI has consistently supported the long-standing American policy of prohibiting the mixing of banking and commerce, which ILCs represent, because of the risks they pose to the financial system, the FDICs DIF, our economy, consumers and American taxpayers. The risk posed by ILCs, particularly large technology and ecommerce giants, is a regulatory loophole that allows their holding companies to escape from consolidated federal supervision and regulation. This loophole must be closed. Meaningful Regulatory Relief for Community Banks and Regulatory Overreach CBAI joins the ICBA in supporting a more efficient system of rules and regulations, unbiased laws governing the financial sector, a safer and more secure business environment, and more efficient agricultural policies to support the nations economic growth and development in all parts of the country. Many new and significant rules have been approved which individually and collectively present incredible challenges for community banks which are less likely to be able to comply with these many new requirements. CBAI urges carefully constructed legislation and regulation, robust congressional oversight of the regulators, and a moratorium on new rules until the impact of existing rules can be thoroughly assessed to minimize the damages to community banks. Credit Unions and Their Expanded Powers Credit unions have long since strayed from their founding purposes, weaponizing their competitive advantages, and are virtually indistinguishable from tax-paying community banks. Credit union acquisitions of community banks are increasing at an alarming pace and is an abuse of the tax code which exacerbates consolidation among financial institutions, negatively impacts all taxpayers, and reduces consumer choice. Credit union abuse of their tax exemption is an existential threat to community banks and the communities they serve and must end. Enhanced Data, Cyber and Payment Card Security (Data Security) The need for data security is paramount in financial services. Community banks are strong guardians of the security and confidentiality of their customers information. Enhanced security standards should be enforced through a tiered system where the more restrictive rules are imposed on the largest members of the financial system and economy (bot community banks) where their lapses pose the greatest threat to the largest number of consumers. Consumer Financial Protection Bureau (CFPB) Reform and Exemptions for Community Banks CFPBs regulations must provide community banks with the flexibility to meet the needs of their customers - not a one-size-fits-all approach. They must not be burdened with additional and unnecessary regulatory requirements that would prevent them from serving their customers and communities. In reforming the CFPB, the single director governance should be replaced by a five-member board or commission. A broader definition of firms that grant credit should be subject to the CFPB rules, and they should be robustly supervised and examined. The focus of any enhanced regulation of financial products should be on the largest banks and financial firms, the unregulated shadow financial industry, and fintechs - not community banks. Sound Principles for Housing Government Sponsored Entity (GSE) Reform Reforms in government support for housing finance remain important to the future of the housing market and the U.S. economy. Unlike other private aggregators or investors, the GSEs have a mandate to serve all markets at all times, which is critical to maintaining liquidity particularly when markets are experiencing financial stress and private capital moves to the sidelines. Exiting receivership includes building capital to successfully operate within a broader housing finance framework, and bipartisan agreement on the proper role of the housing GSEs and the programs necessary to fulfill reasonable and consistent housing goals. The Federal Reserves Role in Payments System Improvement (FedNow Service) The FedNow Service is a significant payments system improvement. The payments system must not be monopolized by The Clearing House and its large bank owners with their RTP Network. Community banks, consumers and small businesses must rely on the Federal Reserve to provide access to a safe and secure payments system, which requires the Fed to play a preeminent role in system improvements. The FedNow Service should have robust capabilities, should be interoperable with other payments systems and should only be accessed by regulated financial institutions - not Amazon, Walmart, and the many fintechs that are seeking direct access to the payment rails. Finally Address the Risks of Too-Big-To-Fail Banks and Financial Firms, to Protect Community Banks, our Financial System, the Economy, and American Taxpayers from Future Bailouts The Great Financial Crisis, and the mini crisis caused by the failures of SVB and SBNY, were caused by the misconduct of the nations largest banks and financial firms and by banking regulators that did not ensure the safety and soundness of these financial behemoths. The megabanks and financial firms have proven, at great cost to American taxpayers, that they cannot be managed, supervised, disciplined or prosecuted. They are clearly too-big-to-change, too-big-to-fail, and must be downsized. This necessary policy objective can be accomplished by separating the traditional deposit-taking and lending activities of the largest banks from their speculative investment banking, securities underwriting, and market making activities. The time to act is now before the next financial crisis. (House and Senate) Legislation and Regulation - H.R. 7567 or the Farm, Food, and National Security Act of 2026 (aka the Farm Bill) regarding strengthening the farm safety net, USDA guaranteed loan improvements, Farm Credit System (FCS) expansion provisions, Essential Community Facility (ECF) lending expansion, FCS ownership of Rural Business Investment Corporations (RBICs), loans to businesses for aquatic-related purposes, and potential amendment - expanding FCS home mortgage lending to towns of 10,000 (House) Letters - Comment Letter to the FDIC regarding PayPal Holdings, Inc. application to the FDIC for deposit insurance for PayPal Bank (FDIC) Comment Letter to the IRS regarding interim guidance concerning interest on loans secured by rural or agricultural real property under section 139L of the Internal Revenue Code - Notice 2025-71 (IRS) Comment Letter to the Federal Reserve regarding Request for Information and Comments on the Future of the Federal Reserve Banks Check Services - Docket No. OP-1874 (Federal Reserve) Action Alerts - None Miscellaneous - Potential House field hearing on financial fraud (House) Approval of application for Kraken master account with the Federal Reserve (House)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":52194,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":"GLENN","last_name":"SCHROEDER","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":54,"name":"Federal Deposit Insurance Corporation (FDIC)"},{"id":62,"name":"Federal Reserve System"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":188,"name":"Internal Revenue Service (IRS)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"SMB","general_issue_code_display":"Small Business","description":"CBAI Federal Policy Priorities - Bank Regulators Fulfilling Their Responsibilities Regarding Check Fraud Including Reimbursement for Fraudulently Altered Returned Checks Community banks continue to experience a growing problem of check fraud including reimbursements for fraudulently altered checks drawn on their customers accounts. The problem in the banking industry has been identified by our members as being enabled by the nations largest banks and credit unions, where fraudulent accounts are opened and fraudulent checks are deposited, which clear back to many community banks, harming them and their customers, in addition to undermining the publics confidence in the nations banking and financial system. CBAI urges the regulators to fulfill their responsibilities to address this problem by initiating Joint Supervisory Guidance and ramping up their examination and enforcement against the largest financial institutions to ensure they are held accountable for their apparent safety and soundness and compliance inadequacies. Agriculture and Rural America In the 119th Congress, CBAI strongly advocates for the passage of a multi-year Farm Bill that provides ample funding for commodity programs and rural broadband, maintains strong crop insurance products, approves higher USDA-guaranteed loan limits and expedited USDA Express program approvals, and prevents the expansion of the Farm Credit System into non-farm lending activities and opposes their exemption from the Section 1071 small business data reporting requirements. Community banks and their agricultural borrowers merit favorable tax treatment for interest income on ag loans secured by ag property and primary residences in ag communities. This will help sustain and strengthen ag lending by community banks and reduce interest expenses for their banks ag borrowers. Governments Unnecessary Intrusion into Banking and Lending Which Displaces Community Banks SBA Direct Lending Community banks and the SBA have a long, beneficial and cooperative private sector/public sector relationship and the SBA has historically not competed with banks in lending to businesses. Community banks are far superior in prudently underwriting and administering commercial lending relationships. The SBA originating and disbursing 7(a) loans will result in credit underwriting lapses which will put billions of taxpayer dollars at risk of loss. CBAI urges policymakers to prohibit the SBA from making direct 7(a) loans or otherwise expanding the institutions beyond well-regulated banks that could originate SBA loans. New Credit Card Routing Mandates Efforts to mandate credit card routing is ill conceived policymaking that will fail to benefit consumers by forcing a costly overhaul of the credit card payments landscape. The beneficiaries of the new mandates will be the largest merchants (not small businesses) which will not pass their savings on to consumers. CBAI supports greater competition and opposes concentrations in financial services represented by the too-big-to-fail banks and oligopolies like VISA and MasterCard, but misguided legislation is not the solution to the problems they create. Responsible Regulation of Digital Assets - Cryptocurrency, Central Bank Digital Currency (CBDC), Stablecoins and Decentralized Finance (DeFi) The risks posed by digital assets (cryptocurrency), central Bank digital currency (CBDC) and stablecoin, and decentralized finance (DeFi) are enormous, as well as the consequences for monetary policy, our financial system, and the banking industry. They pose threats to the privacy and security of consumers and small businesses. There is no single regulator responsible for this rapidly growing sector which combines elements of currency, payments and investments, and there is insufficient transparency and lack of accountability in this ecosystem. Policymakers must develop and implement a consistent federal regulatory framework that does not permit digital assets and DeFi to offer financial services or products without being subject to the same regulations as community banks and deny nonbank stablecoin issuers access to the Federal Reserve master account, both of which would threaten the essential and highly successful business model of responsible community banks. The Federal Home Loan Banks (FHLBs) in Their Comprehensive Review by the FHFA The FHLB System is an admirable public-private partnership where the FHLBs banks provide short-term liquidity, long-term funding, mortgage-related products, and other financial services to help their owner-members weather crisis and provide affordable credit to support the local communities. FHLBanks contributes a substantial portion of its income to affordable housing and community development in their respective districts. The Federal Housing Finance Agency (FHFA) has embarked on a comprehensive review of the FHLBs. CBAI recommends that the FHFA should not seek to disrupt the cooperative structure, regional nature, special functions, and the unique purposes of the FHLBanks. Reasonable Regulatory Rules and Implementation Small Business Data Collection A Final Rule was published in March of 2023. The Final Rule was flawed because it exempted too few financial institutions and set the revenue threshold so high that it now encompasses too many businesses, in addition to raising privacy and other concerns. There have been legal challenges to the Final Rule. CBAI supports the reasonable implementation of this reporting requirement and opposed efforts by Farm Credit to exempt its lenders. Customer Data Sharing A Final Rule was published in October of 2024. The Final Rule was flawed because it exempted too few financial institutions, ignores the costs of providing this service to consumers and does not adequately protect consumers and their community banks or compensate them from any losses related to data misuse, breaches and fraud. Modernizing the Community Reinvestment Act The Final Joint Rule was published in October of 2023. The Final Joint Rule was flawed because it exempted too few financial institutions and for many other reasons. There have been legal challenges to the Final Joint Rule. CBAI supports the reasonable implementation of the CRA that includes credit unions being subject to the CRA. Reporting Beneficial Ownership Information CBAI supports shifting the burden of collecting the BOI of community bank accountholders to the Financial Crimes Enforcement Network (FinCEN). The current requirement is flawed because it does not relieve community banks from this burden. There have been legal challenges to the reporting requirements. CBAI supports making FinCEN the sole repository of BOI and relieving community banks from this burden. Federal Safe Harbor for Banking Cannabis-Related Businesses Without taking a position on the legalization of cannabis, CBAI supports a federal safe harbor from sanctions for financial institutions that choose to serve legally compliant cannabis-related businesses (CRBs) and ancillary businesses that have commercial relationships with CBRs, in states where cannabis is legal. Allowing these businesses access to the traditional banking system and its services, versus operating exclusively in cash, is a public safety issue. Harmful Climate Risk Regulations Community bankers high-contact and relationship-based lending model ensures that controls are in place to monitor climate risks on an ongoing basis. CBAI opposes any climate change regulations that will adversely impact community banks and their ability to support their customers and communities. Meaningful Regulatory Relief for Community Banks and Regulatory Overreach CBAI joins the ICBA in supporting a more efficient system of rules and regulations, unbiased laws governing the financial sector, a safer and more secure business environment, and more efficient agricultural policies to support the nations economic growth and development in all parts of the country. Many new and significant rules have been approved which individually and collectively present incredible challenges for community banks which are less likely to be able to comply with these many new requirements. CBAI urges carefully constructed legislation and regulation, robust congressional oversight of the regulators, and a moratorium on new rules until the impact of existing rules can be thoroughly assessed to minimize the damages to community banks. Credit Unions and Their Expanded Powers Credit unions have long since strayed from their founding purposes, weaponizing their competitive advantages, and are virtually indistinguishable from tax-paying community banks. Credit union acquisitions of community banks are increasing at an alarming pace and is an abuse of the tax code which exacerbates consolidation among financial institutions, negatively impacts all taxpayers, and reduces consumer choice. Credit union abuse of their tax exemption is an existential threat to community banks and the communities they serve and must end. Farm Credit System and its Expanded Powers The Farm Credit System (FCS) has long since strayed from its founding purpose, weaponizing its competitive advantages against community banks. The FCS is the only government sponsored entity (GSE) that competes directly with community banks. Its lenders leverage their tax and funding advantages as a GSE to steal away many of the best agriculture loans from community banks, which is contrary to their mission of serving young and beginning farmers and ranchers. This blatant and continued discrimination against community banks must end, the FCS competitive advantages must be reined in, and the playing field must be leveled for community banks. Enhanced Data, Cyber and Payment Card Security (Data Security) The need for data security is paramount in financial services. Community banks are strong guardians of the security and confidentiality of their customers information. Enhanced security standards should be enforced through a tiered system where the more restrictive rules are imposed on the largest members of the financial system and economy (bot community banks) where their lapses pose the greatest threat to the largest number of consumers. Consumer Financial Protection Bureau (CFPB) Reform and Exemptions for Community Banks CFPBs regulations must provide community banks with the flexibility to meet the needs of their customers - not a one-size-fits-all approach. They must not be burdened with additional and unnecessary regulatory requirements that would prevent them from serving their customers and communities. In reforming the CFPB, the single director governance should be replaced by a five-member board or commission. A broader definition of firms that grant credit should be subject to the CFPB rules, and they should be robustly supervised and examined. The focus of any enhanced regulation of financial products should be on the largest banks and financial firms, the unregulated shadow financial industry, and fintechs - not community banks. The Federal Reserves Role in Payments System Improvement (FedNow Service) The FedNow Service is a significant payments system improvement. The payments system must not be monopolized by The Clearing House and its large bank owners with their RTP Network. Community banks, consumers and small businesses must rely on the Federal Reserve to provide access to a safe and secure payments system, which requires the Fed to play a preeminent role in system improvements. The FedNow Service should have robust capabilities, should be interoperable with other payments systems and should only be accessed by regulated financial institutions - not Amazon, Walmart, and the many fintechs that are seeking direct access to the payment rails. Finally Address the Risks of Too-Big-To-Fail Banks and Financial Firms, to Protect Community Banks, our Financial System, the Economy, and American Taxpayers from Future Bailouts The Great Financial Crisis, and the mini crisis caused by the failures of SVB and SBNY, were caused by the misconduct of the nations largest banks and financial firms and by banking regulators that did not ensure the safety and soundness of these financial behemoths. The megabanks and financial firms have proven, at great cost to American taxpayers, that they cannot be managed, supervised, disciplined or prosecuted. They are clearly too-big-to-change, too-big-to-fail, and must be downsized. This necessary policy objective can be accomplished by separating the traditional deposit-taking and lending activities of the largest banks from their speculative investment banking, securities underwriting, and market making activities. The time to act is now before the next financial crisis. (House and Senate) Legislation and Regulation - H.R. 7567 or the Farm, Food, and National Security Act of 2026 (aka the Farm Bill) regarding strengthening the farm safety net, USDA guaranteed loan improvements, Farm Credit System (FCS) expansion provisions, Essential Community Facility (ECF) lending expansion, FCS ownership of Rural Business Investment Corporations (RBICs), loans to businesses for aquatic-related purposes, and potential amendment - expanding FCS home mortgage lending to towns of 10,000 (House) Action Alerts - None Letters - Comment Letter to the IRS regarding interim guidance concerning interest on loans secured by rural or agricultural real property under section 139L of the Internal Revenue Code - Notice 2025-71 (IRS) Comment Letter to the Federal Reserve regarding Request for Information and Comments on the Future of the Federal Reserve Banks Check Services - Docket No. OP-1874 (Federal Reserve) Miscellaneous - Potential House field hearing on financial fraud (House)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":52194,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":"GLENN","last_name":"SCHROEDER","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":62,"name":"Federal Reserve System"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":188,"name":"Internal Revenue Service (IRS)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"TAX","general_issue_code_display":"Taxation/Internal Revenue Code","description":"CBAI Federal Policy Priorities - Agriculture and Rural America In the 119th Congress, CBAI strongly advocates for the passage of a multi-year Farm Bill that provides ample funding for commodity programs and rural broadband, maintains strong crop insurance products, approves higher USDA-guaranteed loan limits and expedited USDA Express program approvals, and prevents the expansion of the Farm Credit System into non-farm lending activities and opposes their exemption from the Section 1071 small business data reporting requirements. Community banks and their agricultural borrowers merit favorable tax treatment for interest income on ag loans secured by ag property and primary residences in ag communities. This will help sustain and strengthen ag lending by community banks and reduce interest expenses for their banks ag borrowers. Responsible Regulation of Digital Assets - Cryptocurrency, Central Bank Digital Currency (CBDC), Stablecoins and Decentralized Finance (DeFi) The risks posed by digital assets (cryptocurrency), central Bank digital currency (CBDC) and stablecoin, and decentralized finance (DeFi) are enormous, as well as the consequences for monetary policy, our financial system, and the banking industry. They pose threats to the privacy and security of consumers and small businesses. There is no single regulator responsible for this rapidly growing sector which combines elements of currency, payments and investments, and there is insufficient transparency and lack of accountability in this ecosystem. Policymakers must develop and implement a consistent federal regulatory framework that does not permit digital assets and DeFi to offer financial services or products without being subject to the same regulations as community banks and deny nonbank stablecoin issuers access to the Federal Reserve master account, both of which would threaten the essential and highly successful business model of responsible community banks. The Federal Home Loan Banks (FHLBs) in Their Comprehensive Review by the FHFA The FHLB System is an admirable public-private partnership where the FHLBs banks provide short-term liquidity, long-term funding, mortgage-related products, and other financial services to help their owner-members weather crisis and provide affordable credit to support the local communities. FHLBanks contributes a substantial portion of its income to affordable housing and community development in their respective districts. The Federal Housing Finance Agency (FHFA) has embarked on a comprehensive review of the FHLBs. CBAI recommends that the FHFA should not seek to disrupt the cooperative structure, regional nature, special functions, and the unique purposes of the FHLBanks. Reasonable Regulatory Rules and Implementation Modernizing the Community Reinvestment Act The Final Joint Rule was published in October of 2023. The Final Joint Rule was flawed because it exempted too few financial institutions and for many other reasons. There have been legal challenges to the Final Joint Rule. CBAI supports the reasonable implementation of the CRA that includes credit unions being subject to the CRA. Meaningful Regulatory Relief for Community Banks and Regulatory Overreach CBAI joins the ICBA in supporting a more efficient system of rules and regulations, unbiased laws governing the financial sector, a safer and more secure business environment, and more efficient agricultural policies to support the nations economic growth and development in all parts of the country. Many new and significant rules have been approved which individually and collectively present incredible challenges for community banks which are less likely to be able to comply with these many new requirements. CBAI urges carefully constructed legislation and regulation, robust congressional oversight of the regulators, and a moratorium on new rules until the impact of existing rules can be thoroughly assessed to minimize the damages to community banks. Credit Unions and Their Expanded Powers Credit unions have long since strayed from their founding purposes, weaponizing their competitive advantages, and are virtually indistinguishable from tax-paying community banks. Credit union acquisitions of community banks are increasing at an alarming pace and is an abuse of the tax code which exacerbates consolidation among financial institutions, negatively impacts all taxpayers, and reduces consumer choice. Credit union abuse of their tax exemption is an existential threat to community banks and the communities they serve and must end. Farm Credit System and its Expanded Powers The Farm Credit System (FCS) has long since strayed from its founding purpose, weaponizing its competitive advantages against community banks. The FCS is the only government sponsored entity (GSE) that competes directly with community banks. Its lenders leverage their tax and funding advantages as a GSE to steal away many of the best agriculture loans from community banks, which is contrary to their mission of serving young and beginning farmers and ranchers. This blatant and continued discrimination against community banks must end, the FCS competitive advantages must be reined in, and the playing field must be leveled for community banks. Finally Address the Risks of Too-Big-To-Fail Banks and Financial Firms, to Protect Community Banks, our Financial System, the Economy, and American Taxpayers from Future Bailouts The Great Financial Crisis, and the mini crisis caused by the failures of SVB and SBNY, were caused by the misconduct of the nations largest banks and financial firms and by banking regulators that did not ensure the safety and soundness of these financial behemoths. The megabanks and financial firms have proven, at great cost to American taxpayers, that they cannot be managed, supervised, disciplined or prosecuted. They are clearly too-big-to-change, too-big-to-fail, and must be downsized. This necessary policy objective can be accomplished by separating the traditional deposit-taking and lending activities of the largest banks from their speculative investment banking, securities underwriting, and market making activities. The time to act is now before the next financial crisis. (House and Senate) Legislation and Regulation - H.R. 7567 or the Farm, Food, and National Security Act of 2026 (aka the Farm Bill) regarding strengthening the farm safety net, USDA guaranteed loan improvements, Farm Credit System (FCS) expansion provisions, Essential Community Facility (ECF) lending expansion, FCS ownership of Rural Business Investment Corporations (RBICs), loans to businesses for aquatic-related purposes, and potential amendment - expanding FCS home mortgage lending to towns of 10,000 (House) Letters - Comment Letter to the IRS regarding interim guidance concerning interest on loans secured by rural or agricultural real property under section 139L of the Internal Revenue Code - Notice 2025-71(IRS) Action Alerts - None Miscellaneous - None","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":52194,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":"GLENN","last_name":"SCHROEDER","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":188,"name":"Internal Revenue Service (IRS)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"ECN","general_issue_code_display":"Economics/Economic Development","description":"CBAI Federal Policy Priorities - Agriculture and Rural America In the 119th Congress, CBAI strongly advocates for the passage of a multi-year Farm Bill that provides ample funding for commodity programs and rural broadband, maintains strong crop insurance products, approves higher USDA-guaranteed loan limits and expedited USDA Express program approvals, and prevents the expansion of the Farm Credit System into non-farm lending activities and opposes their exemption from the Section 1071 small business data reporting requirements. Community banks and their agricultural borrowers merit favorable tax treatment for interest income on ag loans secured by ag property and primary residences in ag communities. This will help sustain and strengthen ag lending by community banks and reduce interest expenses for their banks ag borrowers. The Federal Home Loan Banks (FHLBs) in Their Comprehensive Review by the FHFA The FHLB System is an admirable public-private partnership where the FHLBs banks provide short-term liquidity, long-term funding, mortgage-related products, and other financial services to help their owner-members weather crisis and provide affordable credit to support the local communities. FHLBanks contributes a substantial portion of its income to affordable housing and community development in their respective districts. The Federal Housing Finance Agency (FHFA) has embarked on a comprehensive review of the FHLBs. CBAI recommends that the FHFA should not seek to disrupt the cooperative structure, regional nature, special functions, and the unique purposes of the FHLBanks. Reasonable Regulatory Rules and Implementation Modernizing the Community Reinvestment Act The Final Joint Rule was published in October of 2023. The Final Joint Rule was flawed because it exempted too few financial institutions and for many other reasons. There have been legal challenges to the Final Joint Rule. CBAI supports the reasonable implementation of the CRA that includes credit unions being subject to the CRA. Meaningful Regulatory Relief for Community Banks and Regulatory Overreach CBAI joins the ICBA in supporting a more efficient system of rules and regulations, unbiased laws governing the financial sector, a safer and more secure business environment, and more efficient agricultural policies to support the nations economic growth and development in all parts of the country. Many new and significant rules have been approved which individually and collectively present incredible challenges for community banks which are less likely to be able to comply with these many new requirements. CBAI urges carefully constructed legislation and regulation, robust congressional oversight of the regulators, and a moratorium on new rules until the impact of existing rules can be thoroughly assessed to minimize the damages to community banks. Credit Unions and Their Expanded Powers Credit unions have long since strayed from their founding purposes, weaponizing their competitive advantages, and are virtually indistinguishable from tax-paying community banks. Credit union acquisitions of community banks are increasing at an alarming pace and is an abuse of the tax code which exacerbates consolidation among financial institutions, negatively impacts all taxpayers, and reduces consumer choice. Credit union abuse of their tax exemption is an existential threat to community banks and the communities they serve and must end. Farm Credit System and its Expanded Powers The Farm Credit System (FCS) has long since strayed from its founding purpose, weaponizing its competitive advantages against community banks. The FCS is the only government sponsored entity (GSE) that competes directly with community banks. Its lenders leverage their tax and funding advantages as a GSE to steal away many of the best agriculture loans from community banks, which is contrary to their mission of serving young and beginning farmers and ranchers. This blatant and continued discrimination against community banks must end, the FCS competitive advantages must be reined in, and the playing field must be leveled for community banks. The Federal Reserves Role in Payments System Improvement (FedNow Service) The FedNow Service is a significant payments system improvement. The payments system must not be monopolized by The Clearing House and its large bank owners with their RTP Network. Community banks, consumers and small businesses must rely on the Federal Reserve to provide access to a safe and secure payments system, which requires the Fed to play a preeminent role in system improvements. The FedNow Service should have robust capabilities, should be interoperable with other payments systems and should only be accessed by regulated financial institutions - not Amazon, Walmart, and the many fintechs that are seeking direct access to the payment rails. Finally Address the Risks of Too-Big-To-Fail Banks and Financial Firms, to Protect Community Banks, our Financial System, the Economy, and American Taxpayers from Future Bailouts The Great Financial Crisis, and the mini crisis caused by the failures of SVB and SBNY, were caused by the misconduct of the nations largest banks and financial firms and by banking regulators that did not ensure the safety and soundness of these financial behemoths. The megabanks and financial firms have proven, at great cost to American taxpayers, that they cannot be managed, supervised, disciplined or prosecuted. They are clearly too-big-to-change, too-big-to-fail, and must be downsized. This necessary policy objective can be accomplished by separating the traditional deposit-taking and lending activities of the largest banks from their speculative investment banking, securities underwriting, and market making activities. The time to act is now before the next financial crisis. (House and Senate) Legislation and Regulation - H.R. 6644 the Housing for the 21st Century Act (Title VI) regarding the inclusion of FDIC modernizing insurance and reciprocal deposit rules, targeted regulatory and examination relief, lowering compliance costs, encouraging the formation of new community banks, and strengthen Minority Depository Institutions (MDIs) (House and Senate) S. 2651 or the ROAD Act which is the 21st Century ROAD to Housing Act regarding the inclusion of the provisions in H.R. 6644 (Housing for the 21st Century Act (Title VI) (House and Senate) H.R. 7567 or the Farm, Food, and National Security Act of 2026 (aka the Farm Bill) regarding strengthening the farm safety net, USDA guaranteed loan improvements, Farm Credit System (FCS) expansion provisions, Essential Community Facility (ECF) lending expansion, FCS ownership of Rural Business Investment Corporations (RBICs), loans to businesses for aquatic-related purposes, and potential amendment - expanding FCS home mortgage lending to towns of 10,000 (House) Letters - Comment Letter to the IRS regarding interim guidance concerning interest on loans secured by rural or agricultural real property under section 139L of the Internal Revenue Code - Notice 2025-71 (IRS) Comment Letter to the Federal Reserve regarding Request for Information and Comments on the Future of the Federal Reserve Banks Check Services - Docket No. OP-1874 (Federal Reserve) Action Alerts - Action Alert - Urge Your Representative to Support Community Bank Regulatory Relief (House) (See H.R. 6644 Housing for the 21st Century Act above) Miscellaneous - None","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":52194,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":"GLENN","last_name":"SCHROEDER","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":62,"name":"Federal Reserve System"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":188,"name":"Internal Revenue Service (IRS)"},{"id":1,"name":"SENATE"}]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]},{"url":"https://lda.gov/api/v1/filings/8c041376-c992-457a-94a7-eb83e0dd4f41/","filing_uuid":"8c041376-c992-457a-94a7-eb83e0dd4f41","filing_type":"Q1","filing_type_display":"1st Quarter - Report","filing_year":2026,"filing_period":"first_quarter","filing_period_display":"1st Quarter (Jan 1 - Mar 31)","filing_document_url":"https://lda.gov/filings/public/filing/8c041376-c992-457a-94a7-eb83e0dd4f41/print/","filing_document_content_type":"text/html","income":null,"expenses":"65000.00","expenses_method":"A","expenses_method_display":"A","posted_by_name":"David G Schroeder","dt_posted":"2026-04-10T15:38:54-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":null,"registrant_address_1":"901 Community Drive","registrant_address_2":null,"registrant_different_address":false,"registrant_city":"Springfield","registrant_state":"IL","registrant_zip":"62703","registrant":{"id":400531588,"url":"https://lda.gov/api/v1/registrants/400531588/","house_registrant_id":null,"name":"COMMUNITY BANKERS ASSOCIATION OF ILLINOIS","description":"Trade association representing Illinois' community banks and thrifts","address_1":"901 Community Drive","address_2":null,"address_3":null,"address_4":null,"city":"Springfield","state":"IL","state_display":"Illinois","zip":"62703","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"DAVID G. SCHROEDER","contact_telephone":"+1 847-909-8341","dt_updated":"2026-07-28T17:21:17.493355-04:00"},"client":{"id":192301,"url":"https://lda.gov/api/v1/clients/192301/","client_id":12,"name":"COMMUNITY BANKERS ASSOCIATION OF ILLINOIS","general_description":null,"client_government_entity":false,"client_self_select":true,"state":"IL","state_display":"Illinois","country":"US","country_display":"United States of America","ppb_state":"IL","ppb_state_display":"Illinois","ppb_country":"US","ppb_country_display":"United States of America","effective_date":"2010-01-01"},"lobbying_activities":[{"general_issue_code":"BAN","general_issue_code_display":"Banking","description":"CBAI Federal Policy Priorities - Bank Regulators Fulfilling Their Responsibilities Regarding Check Fraud Including Reimbursement for Fraudulently Altered Returned Checks Community banks continue to experience a growing problem of check fraud including reimbursements for fraudulently altered checks drawn on their customers accounts. The problem in the banking industry has been identified by our members as being enabled by the nations largest banks and credit unions, where fraudulent accounts are opened and fraudulent checks are deposited, which clear back to many community banks, harming them and their customers, in addition to undermining the publics confidence in the nations banking and financial system. CBAI urges the regulators to fulfill their responsibilities to address this problem by initiating Joint Supervisory Guidance and ramping up their examination and enforcement against the largest financial institutions to ensure they are held accountable for their apparent safety and soundness and compliance inadequacies. Agriculture and Rural America In the 119th Congress, CBAI strongly advocates for the passage of a multi-year Farm Bill that provides ample funding for commodity programs and rural broadband, maintains strong crop insurance products, approves higher USDA-guaranteed loan limits and expedited USDA Express program approvals, and prevents the expansion of the Farm Credit System into non-farm lending activities and opposes their exemption from the Section 1071 small business data reporting requirements. Community banks and their agricultural borrowers merit favorable tax treatment for interest income on ag loans secured by ag property and primary residences in ag communities. This will help sustain and strengthen ag lending by community banks and reduce interest expenses for their banks ag borrowers. Legitimate Bank Service Charges and Fees are Not Hidden, Exploitive and Junk Fees and Necessary Consumer Financial Responsibility There have been misguided characterizations that community bank service charges and fees are exploitive, unfair and even unlawful. What some have disparaging called Junk fees are bank fees and service charges that are justified, disclosed, and accepted by the consumers who utilize bank products and services. CBAI does not support practices that abuse consumers, but policymakers must accept the position that it is the consumers responsibility to maintain a positive deposit account balance and make their debt payments in a timely manner. It is wrong for policymakers to excuse irresponsible consumer financial behavior and doing so may encourage unacceptable behavior. Realistic Perspective on Financial Inclusion CBAI strongly supports financial inclusion and believes every responsible and able consumer and business should have a banking relationship with their local community bank. There is indisputable proof that the banking industry excels at serving the banking needs of American households. CBAI supports government initiatives that educate consumers and encourage financial inclusion, but it is not the role of federal, state or governments to provide banking services. Governments can assist the private sector in financial inclusion through incentives to promote community banks offering basic accounts and small-dollar consumer loans, especially to low- and middle-income consumers, which are those most likely to be unbanked or underbanked. Protecting Consumers by Restricting the Sale of Mortgage Trigger Leads Trigger leads are generated by credit reporting agencies that contact information about consumers applying for residential mortgage loans to mortgage marketers. This practice is permitted but restricted. Our members report that many of these marketing communications fall short of the legal requirements. Trigger leads compromise consumer privacy, create a flood of unwanted (even harassing) solicitations, create confusion and result in complaints. CBAI supports legislation that would restrict credit reporting agencies from selling consumer contact information unless the applicant has opted in to receive these solicitations. Governments Unnecessary Intrusion into Banking and Lending Which Displaces Community Banks SBA Direct Lending Community banks and the SBA have a long, beneficial and cooperative private sector/public sector relationship and the SBA has historically not competed with banks in lending to businesses. Community banks are far superior in prudently underwriting and administering commercial lending relationships. The SBA originating and disbursing 7(a) loans will result in credit underwriting lapses which will put billions of taxpayer dollars at risk of loss. CBAI urges policymakers to prohibit the SBA from making direct 7(a) loans or otherwise expanding the institutions beyond well-regulated banks that could originate SBA loans. Postal Banking CBAI believes postal banking is misguided and views any entry by the USPS into banking services as a significant and government-sponsored competitive threat to private-sector and tax-paying community banks. By better utilizing the vast network of community banks, which are already fully staffed by experienced and dedicated banking professionals, there is no need for the USPS to develop and offer banking services. Public Banking CBAI believes public banking is misguided and views any entry by federal, state or local governments into banking services as a significant and government-sponsored competitive threat to private-sector and tax-paying community banks. By better utilizing the vast network of community banks, which are already fully staffed by experienced and dedicated banking professionals, there is no need for the government to offer banking services. New Credit Card Routing Mandates Efforts to mandate credit card routing is ill conceived policymaking that will fail to benefit consumers by forcing a costly overhaul of the credit card payments landscape. The beneficiaries of the new mandates will be the largest merchants (not small businesses) which will not pass their savings on to consumers. CBAI supports greater competition and opposes concentrations in financial services represented by the too-big-to-fail banks and oligopolies like VISA and MasterCard, but misguided legislation is not the solution to the problems they create. Responsible Regulation of Digital Assets - Cryptocurrency, Central Bank Digital Currency (CBDC), Stablecoins and Decentralized Finance (DeFi) The risks posed by digital assets (cryptocurrency), central Bank digital currency (CBDC) and stablecoin, and decentralized finance (DeFi) are enormous, as well as the consequences for monetary policy, our financial system, and the banking industry. They pose threats to the privacy and security of consumers and small businesses. There is no single regulator responsible for this rapidly growing sector which combines elements of currency, payments and investments, and there is insufficient transparency and lack of accountability in this ecosystem. Policymakers must develop and implement a consistent federal regulatory framework that does not permit digital assets and DeFi to offer financial services or products without being subject to the same regulations as community banks and deny nonbank stablecoin issuers access to the Federal Reserve master account, both of which would threaten the essential and highly successful business model of responsible community banks. The Federal Home Loan Banks (FHLBs) in Their Comprehensive Review by the FHFA The FHLB System is an admirable public-private partnership where the FHLBs banks provide short-term liquidity, long-term funding, mortgage-related products, and other financial services to help their owner-members weather crisis and provide affordable credit to support the local communities. FHLBanks contributes a substantial portion of its income to affordable housing and community development in their respective districts. The Federal Housing Finance Agency (FHFA) has embarked on a comprehensive review of the FHLBs. CBAI recommends that the FHFA should not seek to disrupt the cooperative structure, regional nature, special functions, and the unique purposes of the FHLBanks. Reasonable Regulatory Rules and Implementation Small Business Data Collection A Final Rule was published in March of 2023. The Final Rule was flawed because it exempted too few financial institutions and set the revenue threshold so high that it now encompasses too many businesses, in addition to raising privacy and other concerns. There have been legal challenges to the Final Rule. CBAI supports the reasonable implementation of this reporting requirement and opposed efforts by Farm Credit to exempt its lenders. Customer Data Sharing A Final Rule was published in October of 2024. The Final Rule was flawed because it exempted too few financial institutions, ignores the costs of providing this service to consumers and does not adequately protect consumers and their community banks or compensate them from any losses related to data misuse, breaches and fraud. Modernizing the Community Reinvestment Act The Final Joint Rule was published in October of 2023. The Final Joint Rule was flawed because it exempted too few financial institutions and for many other reasons. There have been legal challenges to the Final Joint Rule. CBAI supports the reasonable implementation of the CRA that includes credit unions being subject to the CRA. Reporting Beneficial Ownership Information CBAI supports shifting the burden of collecting the BOI of community bank accountholders to the Financial Crimes Enforcement Network (FinCEN). The current requirement is flawed because it does not relieve community banks from this burden. There have been legal challenges to the reporting requirements. CBAI supports making FinCEN the sole repository of BOI and relieving community banks from this burden. Federal Safe Harbor for Banking Cannabis-Related Businesses Without taking a position on the legalization of cannabis, CBAI supports a federal safe harbor from sanctions for financial institutions that choose to serve legally compliant cannabis-related businesses (CRBs) and ancillary businesses that have commercial relationships with CBRs, in states where cannabis is legal. Allowing these businesses access to the traditional banking system and its services, versus operating exclusively in cash, is a public safety issue. Closing the Industrial Loan Company (ILC) Regulatory Loophole CBAI has consistently supported the long-standing American policy of prohibiting the mixing of banking and commerce, which ILCs represent, because of the risks they pose to the financial system, the FDICs DIF, our economy, consumers and American taxpayers. The risk posed by ILCs, particularly large technology and ecommerce giants, is a regulatory loophole that allows their holding companies to escape from consolidated federal supervision and regulation. This loophole must be closed. Appropriate Regulation of Fintechs and Innovations in Financial Services The pace of innovation in financial services has been accelerating. Many of these new services are offered by financial technology companies - better known as fintechs. Financial innovation presents community banks with challenges and opportunities. Policymakers should reasonably assist community banks to prepare for this new and evolving era, not pose unreasonable requirements on them, and not give fintechs any competitive advantages over community banks by subjecting them to lesser regulatory requirements. Prescriptive and Intrusive FDIC Corporate Governance Guidelines In 2023, the FDIC proposed new corporate governance and risk management guidelines. Although the guidelines only apply to covered institutions with $10 billion or more in assets, these overly prescriptive guidelines apply the same set of standards to larger community banks as they do to the nations largest banks. These guidelines would make it even more difficult to attract new directors, particularly those in rural areas. Harmful Climate Risk Regulations Community bankers high-contact and relationship-based lending model ensures that controls are in place to monitor climate risks on an ongoing basis. CBAI opposes any climate change regulations that will adversely impact community banks and their ability to support their customers and communities. Meaningful Regulatory Relief for Community Banks and Regulatory Overreach CBAI joins the ICBA in supporting a more efficient system of rules and regulations, unbiased laws governing the financial sector, a safer and more secure business environment, and more efficient agricultural policies to support the nations economic growth and development in all parts of the country. Many new and significant rules have been approved which individually and collectively present incredible challenges for community banks which are less likely to be able to comply with these many new requirements. CBAI urges carefully constructed legislation and regulation, robust congressional oversight of the regulators, and a moratorium on new rules until the impact of existing rules can be thoroughly assessed to minimize the damages to community banks. Credit Unions and Their Expanded Powers Credit unions have long since strayed from their founding purposes, weaponizing their competitive advantages, and are virtually indistinguishable from tax-paying community banks. Credit union acquisitions of community banks are increasing at an alarming pace and is an abuse of the tax code which exacerbates consolidation among financial institutions, negatively impacts all taxpayers, and reduces consumer choice. Credit union abuse of their tax exemption is an existential threat to community banks and the communities they serve and must end. Farm Credit System and its Expanded Powers The Farm Credit System (FCS) has long since strayed from its founding purpose, weaponizing its competitive advantages against community banks. The FCS is the only government sponsored entity (GSE) that competes directly with community banks. Its lenders leverage their tax and funding advantages as a GSE to steal away many of the best agriculture loans from community banks, which is contrary to their mission of serving young and beginning farmers and ranchers. This blatant and continued discrimination against community banks must end, the FCS competitive advantages must be reined in, and the playing field must be leveled for community banks. Enhanced Data, Cyber and Payment Card Security (Data Security) The need for data security is paramount in financial services. Community banks are strong guardians of the security and confidentiality of their customers information. Enhanced security standards should be enforced through a tiered system where the more restrictive rules are imposed on the largest members of the financial system and economy (bot community banks) where their lapses pose the greatest threat to the largest number of consumers. Consumer Financial Protection Bureau (CFPB) Reform and Exemptions for Community Banks CFPBs regulations must provide community banks with the flexibility to meet the needs of their customers - not a one-size-fits-all approach. They must not be burdened with additional and unnecessary regulatory requirements that would prevent them from serving their customers and communities. In reforming the CFPB, the single director governance should be replaced by a five-member board or commission. A broader definition of firms that grant credit should be subject to the CFPB rules, and they should be robustly supervised and examined. The focus of any enhanced regulation of financial products should be on the largest banks and financial firms, the unregulated shadow financial industry, and fintechs - not community banks. De Novo Community Bank Formation, the Dual Banking System, and Charter Choice The chartering of many newly chartered (de novo) community banks is vitally important to maintaining a strong, growing, evolving and vibrant profession in the face of continued banking industry consolidation. Hand in hand with renewed de novo bank formation is the importance of maintaining the dual banking system, where chartering and supervision are divided between the federal government and the states, and where the federal government supervision and regulation is divided between the Federal Reserve, Office of Comptroller of the Currency, and the Federal Deposit Insurance Corporation. Community banks should be able to choose the banking charter and associated prudential regulator that best fits their unique needs and business model. Sound Principles for Housing Government Sponsored Entity (GSE) Reform Reforms in government support for housing finance remain important to the future of the housing market and the U.S. economy. Unlike other private aggregators or investors, the GSEs have a mandate to serve all markets at all times, which is critical to maintaining liquidity particularly when markets are experiencing financial stress and private capital moves to the sidelines. Exiting receivership includes building capital to successfully operate within a broader housing finance framework, and bipartisan agreement on the proper role of the housing GSEs and the programs necessary to fulfill reasonable and consistent housing goals. Responsible Bank Merger Activity Some community banks have found it helpful to merge with other community banks to be able to spread the significant and escalating costs of regulatory compliance, cybersecurity, technology and innovation to remain highly competitive. Restrictive bank merger legislation or regulations should not apply to community banks. The Federal Reserves Role in Payments System Improvement (FedNow Service) The FedNow Service is a significant payments system improvement. The payments system must not be monopolized by The Clearing House and its large bank owners with their RTP Network. Community banks, consumers and small businesses must rely on the Federal Reserve to provide access to a safe and secure payments system, which requires the Fed to play a preeminent role in system improvements. The FedNow Service should have robust capabilities, should be interoperable with other payments systems and should only be accessed by regulated financial institutions - not Amazon, Walmart, and the many fintechs that are seeking direct access to the payment rails. Finally Address the Risks of Too-Big-To-Fail (and now Too-Big-To-Not-Insure) Banks and Financial Firms, to Protect Community Banks, our Financial System, the Economy, and American Taxpayers from Future Bailouts Too-Big-To-Not-Insure The 2023 failures of Silicon Valley Bank and Signature Bank revealed that policymakers have created a new category of very large banks - Too-Big-To-Not-Insure (although they will fail) because the FDIC decided to insure 100% of the uninsured deposits of these two failed banks. There must be accountability by both the banks and the regulators for their respective failures. In the future, if systemically important financial institutions (SIFIs) cause losses to the DIF then SIFIs should be responsible for reimbursing the DIF for all the losses they created. Too-Big-To-Fail The Great Financial Crisis, and the mini crisis caused by the failures of SVB and SBNY, were caused by the misconduct of the nations largest banks and financial firms and by banking regulators that did not ensure the safety and soundness of these financial behemoths. The megabanks and financial firms have proven, at great cost to American taxpayers, that they cannot be managed, supervised, disciplined or prosecuted. They are clearly too-big-to-change, too-big-to-fail, and must be downsized. This necessary policy objective can be accomplished by separating the traditional deposit-taking and lending activities of the largest banks from their speculative investment banking, securities underwriting, and market making activities. The time to act is now before the next financial crisis. (House and Senate) Legislation and Regulation - H.R. 1799 the Threshold Modernization Act (All Sections) regarding thresholds for currency transaction reporting and Suspicious Activity Reporting (SAR) (House) H.R. 7056 the Community Bank Tailoring Act (All Sections) regarding indexing various asset-based and bank-regulatory reporting thresholds o nominal GDP for community banks (House) H.R. 6955 the Main Street Capital Access Act (All Sections) regarding regulatory fairness, transparency and right-sizing; promoting healthy, growing, and competitive banking industry; and improving access o funding and capital for small to mid-sized banks (House) H.R. 6644 the Housing for the 21st Century Act (Title VI) regarding he inclusion of FDIC modernizing insurance and reciprocal deposit rules, targeted regulatory and examination relief, lowering compliance costs, encouraging the formation of new community banks, and strengthen Minority Depository Institutions (MDIs) (House and Senate) S. 2651 or the ROAD Act which is the 21st Century ROAD to Housing Act regarding the inclusion of the provisions in H.R. 6644 (Housing for the 21st Century Act (Title VI) (House and Senate) H.R. 7567 or the Farm, Food, and National Security Act of 2026 (aka the Farm Bill) regarding strengthening the farm safety net, USDA guaranteed loan improvements, Farm Credit System (FCS) expansion provisions, Essential Community Facility (ECF) lending expansion, FCS ownership of Rural Business Investment Corporations (RBICs), loans to businesses for aquatic-related purposes, and potential amendment - expanding FCS home mortgage lending to towns of 10,000 (House) Letters - Comment Letter to the FDIC regarding PayPal Holdings, Inc. application to the FDIC for deposit insurance for PayPal Bank (FDIC) Comment Letter to the IRS regarding interim guidance concerning interest on loans secured by rural or agricultural real property under section 139L of the Internal Revenue Code - Notice 2025-71 (IRS) Comment Letter to the OCC, FDIC and Federal Reserve regarding Notice of Proposed Rulemaking: Regulatory Capital Rule: Revisions to the Community Bank Leverage Ratio Framework - Docket ID OCC-2025-0141, Federal Reserve Docket No. R-1876 and RIN 7100-AH08, and FDIC RIN 3064-AG17 (OCC, FDIC and Federal Reserve) Comment Letter to the Federal Reserve regarding Request for Information and Comment on Reserve Board Payment Account Prototype - Docket No. OP-1877 (aka Fed skinny payment accounts) (Federal Reserve) Comment Letter to the Federal Reserve regarding Request for Information and Comments on the Future of the Federal Reserve Banks Check Services - Docket No. OP-1874 (Federal Reserve) Comment Letter to the OCC regarding Notice of Proposed Rulemaking: Revised Guidelines - OCC Guidelines Establishing Heightened Standards for Certain Large Insured National Banks, Insured Federal Savings Associations, and Insured Federal Branches; Technical Amendments - Docket ID OCC-2025-0207 (OCC) Action Alerts - Action Alert - Urge Your Representative to Support Community Bank Regulatory Relief (House) (See H.R. 6644 Housing for the 21st Century Act above) Miscellaneous - Potential House field hearing on financial fraud (House) Approval of application for Kraken master account with the Federal Reserve (House) EGRPRA Outreach Meeting presentation on March 26, 2026, regarding de novos, particularly newly chartered community banks (OCC, FDIC, Federal Reserve)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":52194,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":"GLENN","last_name":"SCHROEDER","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":54,"name":"Federal Deposit Insurance Corporation (FDIC)"},{"id":62,"name":"Federal Reserve System"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":188,"name":"Internal Revenue Service (IRS)"},{"id":183,"name":"Office of the Comptroller of the Currency (OCC)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"FIN","general_issue_code_display":"Financial Institutions/Investments/Securities","description":"CBAI Federal Policy Priorities - Bank Regulators Fulfilling Their Responsibilities Regarding Check Fraud Including Reimbursement for Fraudulently Altered Returned Checks Community banks continue to experience a growing problem of check fraud including reimbursements for fraudulently altered checks drawn on their customers accounts. The problem in the banking industry has been identified by our members as being enabled by the nations largest banks and credit unions, where fraudulent accounts are opened and fraudulent checks are deposited, which clear back to many community banks, harming them and their customers, in addition to undermining the publics confidence in the nations banking and financial system. CBAI urges the regulators to fulfill their responsibilities to address this problem by initiating Joint Supervisory Guidance and ramping up their examination and enforcement against the largest financial institutions to ensure they are held accountable for their apparent safety and soundness and compliance inadequacies. Agriculture and Rural America In the 119th Congress, CBAI strongly advocates for the passage of a multi-year Farm Bill that provides ample funding for commodity programs and rural broadband, maintains strong crop insurance products, approves higher USDA-guaranteed loan limits and expedited USDA Express program approvals, and prevents the expansion of the Farm Credit System into non-farm lending activities and opposes their exemption from the Section 1071 small business data reporting requirements. Community banks and their agricultural borrowers merit favorable tax treatment for interest income on ag loans secured by ag property and primary residences in ag communities. This will help sustain and strengthen ag lending by community banks and reduce interest expenses for their banks ag borrowers. Legitimate Bank Service Charges and Fees are Not Hidden, Exploitive and Junk Fees and Necessary Consumer Financial Responsibility There have been misguided characterizations that community bank service charges and fees are exploitive, unfair and even unlawful. What some have disparaging called Junk fees are bank fees and service charges that are justified, disclosed, and accepted by the consumers who utilize bank products and services. CBAI does not support practices that abuse consumers, but policymakers must accept the position that it is the consumers responsibility to maintain a positive deposit account balance and make their debt payments in a timely manner. It is wrong for policymakers to excuse irresponsible consumer financial behavior and doing so may encourage unacceptable behavior. Realistic Perspective on Financial Inclusion CBAI strongly supports financial inclusion and believes every responsible and able consumer and business should have a banking relationship with their local community bank. There is indisputable proof that the banking industry excels at serving the banking needs of American households. CBAI supports government initiatives that educate consumers and encourage financial inclusion, but it is not the role of federal, state or governments to provide banking services. Governments can assist the private sector in financial inclusion through incentives to promote community banks offering basic accounts and small-dollar consumer loans, especially to low- and middle-income consumers, which are those most likely to be unbanked or underbanked. Protecting Consumers by Restricting the Sale of Mortgage Trigger Leads Trigger leads are generated by credit reporting agencies that contact information about consumers applying for residential mortgage loans to mortgage marketers. This practice is permitted but restricted. Our members report that many of these marketing communications fall short of the legal requirements. Trigger leads compromise consumer privacy, create a flood of unwanted (even harassing) solicitations, create confusion and result in complaints. CBAI supports legislation that would restrict credit reporting agencies from selling consumer contact information unless the applicant has opted in to receive these solicitations. Governments Unnecessary Intrusion into Banking and Lending Which Displaces Community Banks SBA Direct Lending Community banks and the SBA have a long, beneficial and cooperative private sector/public sector relationship and the SBA has historically not competed with banks in lending to businesses. Community banks are far superior in prudently underwriting and administering commercial lending relationships. The SBA originating and disbursing 7(a) loans will result in credit underwriting lapses which will put billions of taxpayer dollars at risk of loss. CBAI urges policymakers to prohibit the SBA from making direct 7(a) loans or otherwise expanding the institutions beyond well-regulated banks that could originate SBA loans. Postal Banking CBAI believes postal banking is misguided and views any entry by the USPS into banking services as a significant and government-sponsored competitive threat to private-sector and tax-paying community banks. By better utilizing the vast network of community banks, which are already fully staffed by experienced and dedicated banking professionals, there is no need for the USPS to develop and offer banking services. Public Banking CBAI believes public banking is misguided and views any entry by federal, state or local governments into banking services as a significant and government-sponsored competitive threat to private-sector and tax-paying community banks. By better utilizing the vast network of community banks, which are already fully staffed by experienced and dedicated banking professionals, there is no need for the government to offer banking services. New Credit Card Routing Mandates Efforts to mandate credit card routing is ill conceived policymaking that will fail to benefit consumers by forcing a costly overhaul of the credit card payments landscape. The beneficiaries of the new mandates will be the largest merchants (not small businesses) which will not pass their savings on to consumers. CBAI supports greater competition and opposes concentrations in financial services represented by the too-big-to-fail banks and oligopolies like VISA and MasterCard, but misguided legislation is not the solution to the problems they create. Responsible Regulation of Digital Assets - Cryptocurrency, Central Bank Digital Currency (CBDC), Stablecoins and Decentralized Finance (DeFi) The risks posed by digital assets (cryptocurrency), central Bank digital currency (CBDC) and stablecoin, and decentralized finance (DeFi) are enormous, as well as the consequences for monetary policy, our financial system, and the banking industry. They pose threats to the privacy and security of consumers and small businesses. There is no single regulator responsible for this rapidly growing sector which combines elements of currency, payments and investments, and there is insufficient transparency and lack of accountability in this ecosystem. Policymakers must develop and implement a consistent federal regulatory framework that does not permit digital assets and DeFi to offer financial services or products without being subject to the same regulations as community banks and deny nonbank stablecoin issuers access to the Federal Reserve master account, both of which would threaten the essential and highly successful business model of responsible community banks. The Federal Home Loan Banks (FHLBs) in Their Comprehensive Review by the FHFA The FHLB System is an admirable public-private partnership where the FHLBs banks provide short-term liquidity, long-term funding, mortgage-related products, and other financial services to help their owner-members weather crisis and provide affordable credit to support the local communities. FHLBanks contributes a substantial portion of its income to affordable housing and community development in their respective districts. The Federal Housing Finance Agency (FHFA) has embarked on a comprehensive review of the FHLBs. CBAI recommends that the FHFA should not seek to disrupt the cooperative structure, regional nature, special functions, and the unique purposes of the FHLBanks. Reasonable Regulatory Rules and Implementation Small Business Data Collection A Final Rule was published in March of 2023. The Final Rule was flawed because it exempted too few financial institutions and set the revenue threshold so high that it now encompasses too many businesses, in addition to raising privacy and other concerns. There have been legal challenges to the Final Rule. CBAI supports the reasonable implementation of this reporting requirement and opposed efforts by Farm Credit to exempt its lenders. Customer Data Sharing A Final Rule was published in October of 2024. The Final Rule was flawed because it exempted too few financial institutions, ignores the costs of providing this service to consumers and does not adequately protect consumers and their community banks or compensate them from any losses related to data misuse, breaches and fraud. Modernizing the Community Reinvestment Act The Final Joint Rule was published in October of 2023. The Final Joint Rule was flawed because it exempted too few financial institutions and for many other reasons. There have been legal challenges to the Final Joint Rule. CBAI supports the reasonable implementation of the CRA that includes credit unions being subject to the CRA. Reporting Beneficial Ownership Information CBAI supports shifting the burden of collecting the BOI of community bank accountholders to the Financial Crimes Enforcement Network (FinCEN). The current requirement is flawed because it does not relieve community banks from this burden. There have been legal challenges to the reporting requirements. CBAI supports making FinCEN the sole repository of BOI and relieving community banks from this burden. Federal Safe Harbor for Banking Cannabis-Related Businesses Without taking a position on the legalization of cannabis, CBAI supports a federal safe harbor from sanctions for financial institutions that choose to serve legally compliant cannabis-related businesses (CRBs) and ancillary businesses that have commercial relationships with CBRs, in states where cannabis is legal. Allowing these businesses access to the traditional banking system and its services, versus operating exclusively in cash, is a public safety issue. Closing the Industrial Loan Company (ILC) Regulatory Loophole CBAI has consistently supported the long-standing American policy of prohibiting the mixing of banking and commerce, which ILCs represent, because of the risks they pose to the financial system, the FDICs DIF, our economy, consumers and American taxpayers. The risk posed by ILCs, particularly large technology and ecommerce giants, is a regulatory loophole that allows their holding companies to escape from consolidated federal supervision and regulation. This loophole must be closed. Appropriate Regulation of Fintechs and Innovations in Financial Services The pace of innovation in financial services has been accelerating. Many of these new services are offered by financial technology companies - better known as fintechs. Financial innovation presents community banks with challenges and opportunities. Policymakers should reasonably assist community banks to prepare for this new and evolving era, not pose unreasonable requirements on them, and not give fintechs any competitive advantages over community banks by subjecting them to lesser regulatory requirements. Prescriptive and Intrusive FDIC Corporate Governance Guidelines In 2023, the FDIC proposed new corporate governance and risk management guidelines. Although the guidelines only apply to covered institutions with $10 billion or more in assets, these overly prescriptive guidelines apply the same set of standards to larger community banks as they do to the nations largest banks. These guidelines would make it even more difficult to attract new directors, particularly those in rural areas. Harmful Climate Risk Regulations Community bankers high-contact and relationship-based lending model ensures that controls are in place to monitor climate risks on an ongoing basis. CBAI opposes any climate change regulations that will adversely impact community banks and their ability to support their customers and communities. Meaningful Regulatory Relief for Community Banks and Regulatory Overreach CBAI joins the ICBA in supporting a more efficient system of rules and regulations, unbiased laws governing the financial sector, a safer and more secure business environment, and more efficient agricultural policies to support the nations economic growth and development in all parts of the country. Many new and significant rules have been approved which individually and collectively present incredible challenges for community banks which are less likely to be able to comply with these many new requirements. CBAI urges carefully constructed legislation and regulation, robust congressional oversight of the regulators, and a moratorium on new rules until the impact of existing rules can be thoroughly assessed to minimize the damages to community banks. Credit Unions and Their Expanded Powers Credit unions have long since strayed from their founding purposes, weaponizing their competitive advantages, and are virtually indistinguishable from tax-paying community banks. Credit union acquisitions of community banks are increasing at an alarming pace and is an abuse of the tax code which exacerbates consolidation among financial institutions, negatively impacts all taxpayers, and reduces consumer choice. Credit union abuse of their tax exemption is an existential threat to community banks and the communities they serve and must end. Farm Credit System and its Expanded Powers The Farm Credit System (FCS) has long since strayed from its founding purpose, weaponizing its competitive advantages against community banks. The FCS is the only government sponsored entity (GSE) that competes directly with community banks. Its lenders leverage their tax and funding advantages as a GSE to steal away many of the best agriculture loans from community banks, which is contrary to their mission of serving young and beginning farmers and ranchers. This blatant and continued discrimination against community banks must end, the FCS competitive advantages must be reined in, and the playing field must be leveled for community banks. Enhanced Data, Cyber and Payment Card Security (Data Security) The need for data security is paramount in financial services. Community banks are strong guardians of the security and confidentiality of their customers information. Enhanced security standards should be enforced through a tiered system where the more restrictive rules are imposed on the largest members of the financial system and economy (bot community banks) where their lapses pose the greatest threat to the largest number of consumers. Consumer Financial Protection Bureau (CFPB) Reform and Exemptions for Community Banks CFPBs regulations must provide community banks with the flexibility to meet the needs of their customers - not a one-size-fits-all approach. They must not be burdened with additional and unnecessary regulatory requirements that would prevent them from serving their customers and communities. In reforming the CFPB, the single director governance should be replaced by a five-member board or commission. A broader definition of firms that grant credit should be subject to the CFPB rules, and they should be robustly supervised and examined. The focus of any enhanced regulation of financial products should be on the largest banks and financial firms, the unregulated shadow financial industry, and fintechs - not community banks. De Novo Community Bank Formation, the Dual Banking System, and Charter Choice The chartering of many newly chartered (de novo) community banks is vitally important to maintaining a strong, growing, evolving and vibrant profession in the face of continued banking industry consolidation. Hand in hand with renewed de novo bank formation is the importance of maintaining the dual banking system, where chartering and supervision are divided between the federal government and the states, and where the federal government supervision and regulation is divided between the Federal Reserve, Office of Comptroller of the Currency, and the Federal Deposit Insurance Corporation. Community banks should be able to choose the banking charter and associated prudential regulator that best fits their unique needs and business model. Sound Principles for Housing Government Sponsored Entity (GSE) Reform Reforms in government support for housing finance remain important to the future of the housing market and the U.S. economy. Unlike other private aggregators or investors, the GSEs have a mandate to serve all markets at all times, which is critical to maintaining liquidity particularly when markets are experiencing financial stress and private capital moves to the sidelines. Exiting receivership includes building capital to successfully operate within a broader housing finance framework, and bipartisan agreement on the proper role of the housing GSEs and the programs necessary to fulfill reasonable and consistent housing goals. Responsible Bank Merger Activity Some community banks have found it helpful to merge with other community banks to be able to spread the significant and escalating costs of regulatory compliance, cybersecurity, technology and innovation to remain highly competitive. Restrictive bank merger legislation or regulations should not apply to community banks. The Federal Reserves Role in Payments System Improvement (FedNow Service) The FedNow Service is a significant payments system improvement. The payments system must not be monopolized by The Clearing House and its large bank owners with their RTP Network. Community banks, consumers and small businesses must rely on the Federal Reserve to provide access to a safe and secure payments system, which requires the Fed to play a preeminent role in system improvements. The FedNow Service should have robust capabilities, should be interoperable with other payments systems and should only be accessed by regulated financial institutions - not Amazon, Walmart, and the many fintechs that are seeking direct access to the payment rails. Finally Address the Risks of Too-Big-To-Fail (and now Too-Big-To-Not-Insure) Banks and Financial Firms, to Protect Community Banks, our Financial System, the Economy, and American Taxpayers from Future Bailouts Too-Big-To-Not-Insure The 2023 failures of Silicon Valley Bank and Signature Bank revealed that policymakers have created a new category of very large banks - Too-Big-To-Not-Insure (although they will fail) because the FDIC decided to insure 100% of the uninsured deposits of these two failed banks. There must be accountability by both the banks and the regulators for their respective failures. In the future, if systemically important financial institutions (SIFIs) cause losses to the DIF then SIFIs should be responsible for reimbursing the DIF for all the losses they created. Too-Big-To-Fail The Great Financial Crisis, and the mini crisis caused by the failures of SVB and SBNY, were caused by the misconduct of the nations largest banks and financial firms and by banking regulators that did not ensure the safety and soundness of these financial behemoths. The megabanks and financial firms have proven, at great cost to American taxpayers, that they cannot be managed, supervised, disciplined or prosecuted. They are clearly too-big-to-change, too-big-to-fail, and must be downsized. This necessary policy objective can be accomplished by separating the traditional deposit-taking and lending activities of the largest banks from their speculative investment banking, securities underwriting, and market making activities. The time to act is now before the next financial crisis. (House and Senate) Legislation and Regulation - H.R. 1799 the Threshold Modernization Act (All Sections) regarding thresholds for currency transaction reporting and Suspicious Activity Reporting (SAR) (House) H.R. 7056 the Community Bank Tailoring Act (All Sections) regarding indexing various asset-based and bank-regulatory reporting thresholds o nominal GDP for community banks (House) H.R. 6955 the Main Street Capital Access Act (All Sections) regarding regulatory fairness, transparency and right-sizing; promoting healthy, growing, and competitive banking industry; and improving access o funding and capital for small to mid-sized banks (House) H.R. 6644 the Housing for the 21st Century Act (Title VI) regarding he inclusion of FDIC modernizing insurance and reciprocal deposit rules, targeted regulatory and examination relief, lowering compliance costs, encouraging the formation of new community banks, and strengthen Minority Depository Institutions (MDIs) (House and Senate) S. 2651 or the ROAD Act which is the 21st Century ROAD to Housing Act regarding the inclusion of the provisions in H.R. 6644 (Housing for the 21st Century Act (Title VI) (House and Senate) H.R. 7567 or the Farm, Food, and National Security Act of 2026 (aka the Farm Bill) regarding strengthening the farm safety net, USDA guaranteed loan improvements, Farm Credit System (FCS) expansion provisions, Essential Community Facility (ECF) lending expansion, FCS ownership of Rural Business Investment Corporations (RBICs), loans to businesses for aquatic-related purposes, and potential amendment - expanding FCS home mortgage lending to towns of 10,000 (House) Letters - Comment Letter to the FDIC regarding PayPal Holdings, Inc. application to the FDIC for deposit insurance for PayPal Bank (FDIC) Comment Letter to the IRS regarding interim guidance concerning interest on loans secured by rural or agricultural real property under section 139L of the Internal Revenue Code - Notice 2025-71 (IRS) Comment Letter to the OCC, FDIC and Federal Reserve regarding Notice of Proposed Rulemaking: Regulatory Capital Rule: Revisions to the Community Bank Leverage Ratio Framework - Docket ID OCC-2025-0141, Federal Reserve Docket No. R-1876 and RIN 7100-AH08, and FDIC RIN 3064-AG17 (OCC, FDIC and Federal Reserve) Comment Letter to the Federal Reserve regarding Request for Information and Comment on Reserve Board Payment Account Prototype - Docket No. OP-1877 (aka Fed skinny payment accounts) (Federal Reserve) Comment Letter to the Federal Reserve regarding Request for Information and Comments on the Future of the Federal Reserve Banks Check Services - Docket No. OP-1874 (Federal Reserve) Comment Letter to the OCC regarding Notice of Proposed Rulemaking: Revised Guidelines - OCC Guidelines Establishing Heightened Standards for Certain Large Insured National Banks, Insured Federal Savings Associations, and Insured Federal Branches; Technical Amendments - Docket ID OCC-2025-0207 (OCC) Action Alerts - Action Alert - Urge Your Representative to Support Community Bank Regulatory Relief (House) (See H.R. 6644 Housing for the 21st Century Act above) Miscellaneous - Potential House field hearing on financial fraud (House) Approval of application for Kraken master account with the Federal Reserve (House) EGRPRA Outreach Meeting presentation on March 26, 2026, regarding de novos, particularly newly chartered community banks (OCC, FDIC, Federal Reserve)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":52194,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":"GLENN","last_name":"SCHROEDER","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":54,"name":"Federal Deposit Insurance Corporation (FDIC)"},{"id":62,"name":"Federal Reserve System"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":188,"name":"Internal Revenue Service (IRS)"},{"id":183,"name":"Office of the Comptroller of the Currency (OCC)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"AGR","general_issue_code_display":"Agriculture","description":"CBAI Federal Policy Priorities - Bank Regulators Fulfilling Their Responsibilities Regarding Check Fraud Including Reimbursement for Fraudulently Altered Returned Checks Community banks continue to experience a growing problem of check fraud including reimbursements for fraudulently altered checks drawn on their customers accounts. The problem in the banking industry has been identified by our members as being enabled by the nations largest banks and credit unions, where fraudulent accounts are opened and fraudulent checks are deposited, which clear back to many community banks, harming them and their customers, in addition to undermining the publics confidence in the nations banking and financial system. CBAI urges the regulators to fulfill their responsibilities to address this problem by initiating Joint Supervisory Guidance and ramping up their examination and enforcement against the largest financial institutions to ensure they are held accountable for their apparent safety and soundness and compliance inadequacies. Agriculture and Rural America In the 119th Congress, CBAI strongly advocates for the passage of a multi-year Farm Bill that provides ample funding for commodity programs and rural broadband, maintains strong crop insurance products, approves higher USDA-guaranteed loan limits and expedited USDA Express program approvals, and prevents the expansion of the Farm Credit System into non-farm lending activities and opposes their exemption from the Section 1071 small business data reporting requirements. Community banks and their agricultural borrowers merit favorable tax treatment for interest income on ag loans secured by ag property and primary residences in ag communities. This will help sustain and strengthen ag lending by community banks and reduce interest expenses for their banks ag borrowers. New Credit Card Routing Mandates Efforts to mandate credit card routing is ill conceived policymaking that will fail to benefit consumers by forcing a costly overhaul of the credit card payments landscape. The beneficiaries of the new mandates will be the largest merchants (not small businesses) which will not pass their savings on to consumers. CBAI supports greater competition and opposes concentrations in financial services represented by the too-big-to-fail banks and oligopolies like VISA and MasterCard, but misguided legislation is not the solution to the problems they create. Responsible Regulation of Digital Assets - Cryptocurrency, Central Bank Digital Currency (CBDC), Stablecoins and Decentralized Finance (DeFi) The risks posed by digital assets (cryptocurrency), central Bank digital currency (CBDC) and stablecoin, and decentralized finance (DeFi) are enormous, as well as the consequences for monetary policy, our financial system, and the banking industry. They pose threats to the privacy and security of consumers and small businesses. There is no single regulator responsible for this rapidly growing sector which combines elements of currency, payments and investments, and there is insufficient transparency and lack of accountability in this ecosystem. Policymakers must develop and implement a consistent federal regulatory framework that does not permit digital assets and DeFi to offer financial services or products without being subject to the same regulations as community banks and deny nonbank stablecoin issuers access to the Federal Reserve master account, both of which would threaten the essential and highly successful business model of responsible community banks. The Federal Home Loan Banks (FHLBs) in Their Comprehensive Review by the FHFA The FHLB System is an admirable public-private partnership where the FHLBs banks provide short-term liquidity, long-term funding, mortgage-related products, and other financial services to help their owner-members weather crisis and provide affordable credit to support the local communities. FHLBanks contributes a substantial portion of its income to affordable housing and community development in their respective districts. The Federal Housing Finance Agency (FHFA) has embarked on a comprehensive review of the FHLBs. CBAI recommends that the FHFA should not seek to disrupt the cooperative structure, regional nature, special functions, and the unique purposes of the FHLBanks. Reasonable Regulatory Rules and Implementation Small Business Data Collection A Final Rule was published in March of 2023. The Final Rule was flawed because it exempted too few financial institutions and set the revenue threshold so high that it now encompasses too many businesses, in addition to raising privacy and other concerns. There have been legal challenges to the Final Rule. CBAI supports the reasonable implementation of this reporting requirement and opposed efforts by Farm Credit to exempt its lenders. Customer Data Sharing A Final Rule was published in October of 2024. The Final Rule was flawed because it exempted too few financial institutions, ignores the costs of providing this service to consumers and does not adequately protect consumers and their community banks or compensate them from any losses related to data misuse, breaches and fraud. Modernizing the Community Reinvestment Act The Final Joint Rule was published in October of 2023. The Final Joint Rule was flawed because it exempted too few financial institutions and for many other reasons. There have been legal challenges to the Final Joint Rule. CBAI supports the reasonable implementation of the CRA that includes credit unions being subject to the CRA. Reporting Beneficial Ownership Information CBAI supports shifting the burden of collecting the BOI of community bank accountholders to the Financial Crimes Enforcement Network (FinCEN). The current requirement is flawed because it does not relieve community banks from this burden. There have been legal challenges to the reporting requirements. CBAI supports making FinCEN the sole repository of BOI and relieving community banks from this burden. Federal Safe Harbor for Banking Cannabis-Related Businesses Without taking a position on the legalization of cannabis, CBAI supports a federal safe harbor from sanctions for financial institutions that choose to serve legally compliant cannabis-related businesses (CRBs) and ancillary businesses that have commercial relationships with CBRs, in states where cannabis is legal. Allowing these businesses access to the traditional banking system and its services, versus operating exclusively in cash, is a public safety issue. Harmful Climate Risk Regulations Community bankers high-contact and relationship-based lending model ensures that controls are in place to monitor climate risks on an ongoing basis. CBAI opposes any climate change regulations that will adversely impact community banks and their ability to support their customers and communities. Meaningful Regulatory Relief for Community Banks and Regulatory Overreach CBAI joins the ICBA in supporting a more efficient system of rules and regulations, unbiased laws governing the financial sector, a safer and more secure business environment, and more efficient agricultural policies to support the nations economic growth and development in all parts of the country. Many new and significant rules have been approved which individually and collectively present incredible challenges for community banks which are less likely to be able to comply with these many new requirements. CBAI urges carefully constructed legislation and regulation, robust congressional oversight of the regulators, and a moratorium on new rules until the impact of existing rules can be thoroughly assessed to minimize the damages to community banks. Credit Unions and Their Expanded Powers Credit unions have long since strayed from their founding purposes, weaponizing their competitive advantages, and are virtually indistinguishable from tax-paying community banks. Credit union acquisitions of community banks are increasing at an alarming pace and is an abuse of the tax code which exacerbates consolidation among financial institutions, negatively impacts all taxpayers, and reduces consumer choice. Credit union abuse of their tax exemption is an existential threat to community banks and the communities they serve and must end. Farm Credit System and its Expanded Powers The Farm Credit System (FCS) has long since strayed from its founding purpose, weaponizing its competitive advantages against community banks. The FCS is the only government sponsored entity (GSE) that competes directly with community banks. Its lenders leverage their tax and funding advantages as a GSE to steal away many of the best agriculture loans from community banks, which is contrary to their mission of serving young and beginning farmers and ranchers. This blatant and continued discrimination against community banks must end, the FCS competitive advantages must be reined in, and the playing field must be leveled for community banks. Enhanced Data, Cyber and Payment Card Security (Data Security) The need for data security is paramount in financial services. Community banks are strong guardians of the security and confidentiality of their customers information. Enhanced security standards should be enforced through a tiered system where the more restrictive rules are imposed on the largest members of the financial system and economy (bot community banks) where their lapses pose the greatest threat to the largest number of consumers. Sound Principles for Housing Government Sponsored Entity (GSE) Reform Reforms in government support for housing finance remain important to the future of the housing market and the U.S. economy. Unlike other private aggregators or investors, the GSEs have a mandate to serve all markets at all times, which is critical to maintaining liquidity particularly when markets are experiencing financial stress and private capital moves to the sidelines. Exiting receivership includes building capital to successfully operate within a broader housing finance framework, and bipartisan agreement on the proper role of the housing GSEs and the programs necessary to fulfill reasonable and consistent housing goals. The Federal Reserves Role in Payments System Improvement (FedNow Service) The FedNow Service is a significant payments system improvement. The payments system must not be monopolized by The Clearing House and its large bank owners with their RTP Network. Community banks, consumers and small businesses must rely on the Federal Reserve to provide access to a safe and secure payments system, which requires the Fed to play a preeminent role in system improvements. The FedNow Service should have robust capabilities, should be interoperable with other payments systems and should only be accessed by regulated financial institutions - not Amazon, Walmart, and the many fintechs that are seeking direct access to the payment rails. Finally Address the Risks of Too-Big-To-Fail Banks and Financial Firms, to Protect Community Banks, our Financial System, the Economy, and American Taxpayers from Future Bailouts The Great Financial Crisis, and the mini crisis caused by the failures of SVB and SBNY, were caused by the misconduct of the nations largest banks and financial firms and by banking regulators that did not ensure the safety and soundness of these financial behemoths. The megabanks and financial firms have proven, at great cost to American taxpayers, that they cannot be managed, supervised, disciplined or prosecuted. They are clearly too-big-to-change, too-big-to-fail, and must be downsized. This necessary policy objective can be accomplished by separating the traditional deposit-taking and lending activities of the largest banks from their speculative investment banking, securities underwriting, and market making activities. The time to act is now before the next financial crisis. (House and Senate) Legislation and Regulation - H.R. 6644 the Housing for the 21st Century Act (Title VI) regarding he inclusion of FDIC modernizing insurance and reciprocal deposit rules, targeted regulatory and examination relief, lowering compliance costs, encouraging the formation of new community banks, and strengthen Minority Depository Institutions (MDIs) (House) S. 2651 or the ROAD Act which is the 21st Century ROAD to Housing Act regarding the inclusion of the provisions in H.R. 6644 (Housing for the 21st Century Act (Title VI) (House and Senate) H.R. 7567 or the Farm, Food, and National Security Act of 2026 (aka the Farm Bill) regarding strengthening the farm safety net, USDA guaranteed loan improvements, Farm Credit System (FCS) expansion provisions, Essential Community Facility (ECF) lending expansion, FCS ownership of Rural Business Investment Corporations (RBICs), loans to businesses for aquatic-related purposes, and potential amendment - expanding FCS home mortgage lending to towns of 10,000 (House) Letters - Comment Letter to the IRS regarding interim guidance concerning interest on loans secured by rural or agricultural real property under section 139L of the Internal Revenue Code - Notice 2025-71 (IRS) Comment Letter to the Federal Reserve regarding Request for Information and Comments on the Future of the Federal Reserve Banks Check Services - Docket No. OP-1874 (Federal Reserve) Action Alerts - None Miscellaneous - Potential House field hearing on financial fraud (House)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":52194,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":"GLENN","last_name":"SCHROEDER","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":62,"name":"Federal Reserve System"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":188,"name":"Internal Revenue Service (IRS)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"CSP","general_issue_code_display":"Consumer Issues/Safety/Products","description":"CBAI Federal Policy Priorities - Bank Regulators Fulfilling Their Responsibilities Regarding Check Fraud Including Reimbursement for Fraudulently Altered Returned Checks Community banks continue to experience a growing problem of check fraud including reimbursements for fraudulently altered checks drawn on their customers accounts. The problem in the banking industry has been identified by our members as being enabled by the nations largest banks and credit unions, where fraudulent accounts are opened and fraudulent checks are deposited, which clear back to many community banks, harming them and their customers, in addition to undermining the publics confidence in the nations banking and financial system. CBAI urges the regulators to fulfill their responsibilities to address this problem by initiating Joint Supervisory Guidance and ramping up their examination and enforcement against the largest financial institutions to ensure they are held accountable for their apparent safety and soundness and compliance inadequacies. Legitimate Bank Service Charges and Fees are Not Hidden, Exploitive and Junk Fees and Necessary Consumer Financial Responsibility There have been misguided characterizations that community bank service charges and fees are exploitive, unfair and even unlawful. What some have disparaging called Junk fees are bank fees and service charges that are justified, disclosed, and accepted by the consumers who utilize bank products and services. CBAI does not support practices that abuse consumers, but policymakers must accept the position that it is the consumers responsibility to maintain a positive deposit account balance and make their debt payments in a timely manner. It is wrong for policymakers to excuse irresponsible consumer financial behavior and doing so may encourage unacceptable behavior. Realistic Perspective on Financial Inclusion CBAI strongly supports financial inclusion and believes every responsible and able consumer and business should have a banking relationship with their local community bank. There is indisputable proof that the banking industry excels at serving the banking needs of American households. CBAI supports government initiatives that educate consumers and encourage financial inclusion, but it is not the role of federal, state or governments to provide banking services. Governments can assist the private sector in financial inclusion through incentives to promote community banks offering basic accounts and small-dollar consumer loans, especially to low- and middle-income consumers, which are those most likely to be unbanked or underbanked. Protecting Consumers by Restricting the Sale of Mortgage Trigger Leads Trigger leads are generated by credit reporting agencies that contact information about consumers applying for residential mortgage loans to mortgage marketers. This practice is permitted but restricted. Our members report that many of these marketing communications fall short of the legal requirements. Trigger leads compromise consumer privacy, create a flood of unwanted (even harassing) solicitations, create confusion and result in complaints. CBAI supports legislation that would restrict credit reporting agencies from selling consumer contact information unless the applicant has opted in to receive these solicitations. Governments Unnecessary Intrusion into Banking and Lending Which Displaces Community Banks Postal Banking CBAI believes postal banking is misguided and views any entry by the USPS into banking services as a significant and government-sponsored competitive threat to private-sector and tax-paying community banks. By better utilizing the vast network of community banks, which are already fully staffed by experienced and dedicated banking professionals, there is no need for the USPS to develop and offer banking services. Public Banking CBAI believes public banking is misguided and views any entry by federal, state or local governments into banking services as a significant and government-sponsored competitive threat to private-sector and tax-paying community banks. By better utilizing the vast network of community banks, which are already fully staffed by experienced and dedicated banking professionals, there is no need for the government to offer banking services. New Credit Card Routing Mandates Efforts to mandate credit card routing is ill conceived policymaking that will fail to benefit consumers by forcing a costly overhaul of the credit card payments landscape. The beneficiaries of the new mandates will be the largest merchants (not small businesses) which will not pass their savings on to consumers. CBAI supports greater competition and opposes concentrations in financial services represented by the too-big-to-fail banks and oligopolies like VISA and MasterCard, but misguided legislation is not the solution to the problems they create. Responsible Regulation of Digital Assets - Cryptocurrency, Central Bank Digital Currency (CBDC), Stablecoins and Decentralized Finance (DeFi) The risks posed by digital assets (cryptocurrency), central Bank digital currency (CBDC) and stablecoin, and decentralized finance (DeFi) are enormous, as well as the consequences for monetary policy, our financial system, and the banking industry. They pose threats to the privacy and security of consumers and small businesses. There is no single regulator responsible for this rapidly growing sector which combines elements of currency, payments and investments, and there is insufficient transparency and lack of accountability in this ecosystem. Policymakers must develop and implement a consistent federal regulatory framework that does not permit digital assets and DeFi to offer financial services or products without being subject to the same regulations as community banks and deny nonbank stablecoin issuers access to the Federal Reserve master account, both of which would threaten the essential and highly successful business model of responsible community banks. The Federal Home Loan Banks (FHLBs) in Their Comprehensive Review by the FHFA The FHLB System is an admirable public-private partnership where the FHLBs banks provide short-term liquidity, long-term funding, mortgage-related products, and other financial services to help their owner-members weather crisis and provide affordable credit to support the local communities. FHLBanks contributes a substantial portion of its income to affordable housing and community development in their respective districts. The Federal Housing Finance Agency (FHFA) has embarked on a comprehensive review of the FHLBs. CBAI recommends that the FHFA should not seek to disrupt the cooperative structure, regional nature, special functions, and the unique purposes of the FHLBanks. Reasonable Regulatory Rules and Implementation Customer Data Sharing A Final Rule was published in October of 2024. The Final Rule was flawed because it exempted too few financial institutions, ignores the costs of providing this service to consumers and does not adequately protect consumers and their community banks or compensate them from any losses related to data misuse, breaches and fraud. Modernizing the Community Reinvestment Act The Final Joint Rule was published in October of 2023. The Final Joint Rule was flawed because it exempted too few financial institutions and for many other reasons. There have been legal challenges to the Final Joint Rule. CBAI supports the reasonable implementation of the CRA that includes credit unions being subject to the CRA. Federal Safe Harbor for Banking Cannabis-Related Businesses Without taking a position on the legalization of cannabis, CBAI supports a federal safe harbor from sanctions for financial institutions that choose to serve legally compliant cannabis-related businesses (CRBs) and ancillary businesses that have commercial relationships with CBRs, in states where cannabis is legal. Allowing these businesses access to the traditional banking system and its services, versus operating exclusively in cash, is a public safety issue. Closing the Industrial Loan Company (ILC) Regulatory Loophole CBAI has consistently supported the long-standing American policy of prohibiting the mixing of banking and commerce, which ILCs represent, because of the risks they pose to the financial system, the FDICs DIF, our economy, consumers and American taxpayers. The risk posed by ILCs, particularly large technology and ecommerce giants, is a regulatory loophole that allows their holding companies to escape from consolidated federal supervision and regulation. This loophole must be closed. Meaningful Regulatory Relief for Community Banks and Regulatory Overreach CBAI joins the ICBA in supporting a more efficient system of rules and regulations, unbiased laws governing the financial sector, a safer and more secure business environment, and more efficient agricultural policies to support the nations economic growth and development in all parts of the country. Many new and significant rules have been approved which individually and collectively present incredible challenges for community banks which are less likely to be able to comply with these many new requirements. CBAI urges carefully constructed legislation and regulation, robust congressional oversight of the regulators, and a moratorium on new rules until the impact of existing rules can be thoroughly assessed to minimize the damages to community banks. Credit Unions and Their Expanded Powers Credit unions have long since strayed from their founding purposes, weaponizing their competitive advantages, and are virtually indistinguishable from tax-paying community banks. Credit union acquisitions of community banks are increasing at an alarming pace and is an abuse of the tax code which exacerbates consolidation among financial institutions, negatively impacts all taxpayers, and reduces consumer choice. Credit union abuse of their tax exemption is an existential threat to community banks and the communities they serve and must end. Enhanced Data, Cyber and Payment Card Security (Data Security) The need for data security is paramount in financial services. Community banks are strong guardians of the security and confidentiality of their customers information. Enhanced security standards should be enforced through a tiered system where the more restrictive rules are imposed on the largest members of the financial system and economy (bot community banks) where their lapses pose the greatest threat to the largest number of consumers. Consumer Financial Protection Bureau (CFPB) Reform and Exemptions for Community Banks CFPBs regulations must provide community banks with the flexibility to meet the needs of their customers - not a one-size-fits-all approach. They must not be burdened with additional and unnecessary regulatory requirements that would prevent them from serving their customers and communities. In reforming the CFPB, the single director governance should be replaced by a five-member board or commission. A broader definition of firms that grant credit should be subject to the CFPB rules, and they should be robustly supervised and examined. The focus of any enhanced regulation of financial products should be on the largest banks and financial firms, the unregulated shadow financial industry, and fintechs - not community banks. Sound Principles for Housing Government Sponsored Entity (GSE) Reform Reforms in government support for housing finance remain important to the future of the housing market and the U.S. economy. Unlike other private aggregators or investors, the GSEs have a mandate to serve all markets at all times, which is critical to maintaining liquidity particularly when markets are experiencing financial stress and private capital moves to the sidelines. Exiting receivership includes building capital to successfully operate within a broader housing finance framework, and bipartisan agreement on the proper role of the housing GSEs and the programs necessary to fulfill reasonable and consistent housing goals. The Federal Reserves Role in Payments System Improvement (FedNow Service) The FedNow Service is a significant payments system improvement. The payments system must not be monopolized by The Clearing House and its large bank owners with their RTP Network. Community banks, consumers and small businesses must rely on the Federal Reserve to provide access to a safe and secure payments system, which requires the Fed to play a preeminent role in system improvements. The FedNow Service should have robust capabilities, should be interoperable with other payments systems and should only be accessed by regulated financial institutions - not Amazon, Walmart, and the many fintechs that are seeking direct access to the payment rails. Finally Address the Risks of Too-Big-To-Fail Banks and Financial Firms, to Protect Community Banks, our Financial System, the Economy, and American Taxpayers from Future Bailouts The Great Financial Crisis, and the mini crisis caused by the failures of SVB and SBNY, were caused by the misconduct of the nations largest banks and financial firms and by banking regulators that did not ensure the safety and soundness of these financial behemoths. The megabanks and financial firms have proven, at great cost to American taxpayers, that they cannot be managed, supervised, disciplined or prosecuted. They are clearly too-big-to-change, too-big-to-fail, and must be downsized. This necessary policy objective can be accomplished by separating the traditional deposit-taking and lending activities of the largest banks from their speculative investment banking, securities underwriting, and market making activities. The time to act is now before the next financial crisis. (House and Senate) Legislation and Regulation - H.R. 7567 or the Farm, Food, and National Security Act of 2026 (aka the Farm Bill) regarding strengthening the farm safety net, USDA guaranteed loan improvements, Farm Credit System (FCS) expansion provisions, Essential Community Facility (ECF) lending expansion, FCS ownership of Rural Business Investment Corporations (RBICs), loans to businesses for aquatic-related purposes, and potential amendment - expanding FCS home mortgage lending to towns of 10,000 (House) Letters - Comment Letter to the FDIC regarding PayPal Holdings, Inc. application to the FDIC for deposit insurance for PayPal Bank (FDIC) Comment Letter to the IRS regarding interim guidance concerning interest on loans secured by rural or agricultural real property under section 139L of the Internal Revenue Code - Notice 2025-71 (IRS) Comment Letter to the Federal Reserve regarding Request for Information and Comments on the Future of the Federal Reserve Banks Check Services - Docket No. OP-1874 (Federal Reserve) Action Alerts - None Miscellaneous - Potential House field hearing on financial fraud (House) Approval of application for Kraken master account with the Federal Reserve (House)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":52194,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":"GLENN","last_name":"SCHROEDER","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":54,"name":"Federal Deposit Insurance Corporation (FDIC)"},{"id":62,"name":"Federal Reserve System"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":188,"name":"Internal Revenue Service (IRS)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"SMB","general_issue_code_display":"Small Business","description":"CBAI Federal Policy Priorities - Bank Regulators Fulfilling Their Responsibilities Regarding Check Fraud Including Reimbursement for Fraudulently Altered Returned Checks Community banks continue to experience a growing problem of check fraud including reimbursements for fraudulently altered checks drawn on their customers accounts. The problem in the banking industry has been identified by our members as being enabled by the nations largest banks and credit unions, where fraudulent accounts are opened and fraudulent checks are deposited, which clear back to many community banks, harming them and their customers, in addition to undermining the publics confidence in the nations banking and financial system. CBAI urges the regulators to fulfill their responsibilities to address this problem by initiating Joint Supervisory Guidance and ramping up their examination and enforcement against the largest financial institutions to ensure they are held accountable for their apparent safety and soundness and compliance inadequacies. Agriculture and Rural America In the 119th Congress, CBAI strongly advocates for the passage of a multi-year Farm Bill that provides ample funding for commodity programs and rural broadband, maintains strong crop insurance products, approves higher USDA-guaranteed loan limits and expedited USDA Express program approvals, and prevents the expansion of the Farm Credit System into non-farm lending activities and opposes their exemption from the Section 1071 small business data reporting requirements. Community banks and their agricultural borrowers merit favorable tax treatment for interest income on ag loans secured by ag property and primary residences in ag communities. This will help sustain and strengthen ag lending by community banks and reduce interest expenses for their banks ag borrowers. Governments Unnecessary Intrusion into Banking and Lending Which Displaces Community Banks SBA Direct Lending Community banks and the SBA have a long, beneficial and cooperative private sector/public sector relationship and the SBA has historically not competed with banks in lending to businesses. Community banks are far superior in prudently underwriting and administering commercial lending relationships. The SBA originating and disbursing 7(a) loans will result in credit underwriting lapses which will put billions of taxpayer dollars at risk of loss. CBAI urges policymakers to prohibit the SBA from making direct 7(a) loans or otherwise expanding the institutions beyond well-regulated banks that could originate SBA loans. New Credit Card Routing Mandates Efforts to mandate credit card routing is ill conceived policymaking that will fail to benefit consumers by forcing a costly overhaul of the credit card payments landscape. The beneficiaries of the new mandates will be the largest merchants (not small businesses) which will not pass their savings on to consumers. CBAI supports greater competition and opposes concentrations in financial services represented by the too-big-to-fail banks and oligopolies like VISA and MasterCard, but misguided legislation is not the solution to the problems they create. Responsible Regulation of Digital Assets - Cryptocurrency, Central Bank Digital Currency (CBDC), Stablecoins and Decentralized Finance (DeFi) The risks posed by digital assets (cryptocurrency), central Bank digital currency (CBDC) and stablecoin, and decentralized finance (DeFi) are enormous, as well as the consequences for monetary policy, our financial system, and the banking industry. They pose threats to the privacy and security of consumers and small businesses. There is no single regulator responsible for this rapidly growing sector which combines elements of currency, payments and investments, and there is insufficient transparency and lack of accountability in this ecosystem. Policymakers must develop and implement a consistent federal regulatory framework that does not permit digital assets and DeFi to offer financial services or products without being subject to the same regulations as community banks and deny nonbank stablecoin issuers access to the Federal Reserve master account, both of which would threaten the essential and highly successful business model of responsible community banks. The Federal Home Loan Banks (FHLBs) in Their Comprehensive Review by the FHFA The FHLB System is an admirable public-private partnership where the FHLBs banks provide short-term liquidity, long-term funding, mortgage-related products, and other financial services to help their owner-members weather crisis and provide affordable credit to support the local communities. FHLBanks contributes a substantial portion of its income to affordable housing and community development in their respective districts. The Federal Housing Finance Agency (FHFA) has embarked on a comprehensive review of the FHLBs. CBAI recommends that the FHFA should not seek to disrupt the cooperative structure, regional nature, special functions, and the unique purposes of the FHLBanks. Reasonable Regulatory Rules and Implementation Small Business Data Collection A Final Rule was published in March of 2023. The Final Rule was flawed because it exempted too few financial institutions and set the revenue threshold so high that it now encompasses too many businesses, in addition to raising privacy and other concerns. There have been legal challenges to the Final Rule. CBAI supports the reasonable implementation of this reporting requirement and opposed efforts by Farm Credit to exempt its lenders. Customer Data Sharing A Final Rule was published in October of 2024. The Final Rule was flawed because it exempted too few financial institutions, ignores the costs of providing this service to consumers and does not adequately protect consumers and their community banks or compensate them from any losses related to data misuse, breaches and fraud. Modernizing the Community Reinvestment Act The Final Joint Rule was published in October of 2023. The Final Joint Rule was flawed because it exempted too few financial institutions and for many other reasons. There have been legal challenges to the Final Joint Rule. CBAI supports the reasonable implementation of the CRA that includes credit unions being subject to the CRA. Reporting Beneficial Ownership Information CBAI supports shifting the burden of collecting the BOI of community bank accountholders to the Financial Crimes Enforcement Network (FinCEN). The current requirement is flawed because it does not relieve community banks from this burden. There have been legal challenges to the reporting requirements. CBAI supports making FinCEN the sole repository of BOI and relieving community banks from this burden. Federal Safe Harbor for Banking Cannabis-Related Businesses Without taking a position on the legalization of cannabis, CBAI supports a federal safe harbor from sanctions for financial institutions that choose to serve legally compliant cannabis-related businesses (CRBs) and ancillary businesses that have commercial relationships with CBRs, in states where cannabis is legal. Allowing these businesses access to the traditional banking system and its services, versus operating exclusively in cash, is a public safety issue. Harmful Climate Risk Regulations Community bankers high-contact and relationship-based lending model ensures that controls are in place to monitor climate risks on an ongoing basis. CBAI opposes any climate change regulations that will adversely impact community banks and their ability to support their customers and communities. Meaningful Regulatory Relief for Community Banks and Regulatory Overreach CBAI joins the ICBA in supporting a more efficient system of rules and regulations, unbiased laws governing the financial sector, a safer and more secure business environment, and more efficient agricultural policies to support the nations economic growth and development in all parts of the country. Many new and significant rules have been approved which individually and collectively present incredible challenges for community banks which are less likely to be able to comply with these many new requirements. CBAI urges carefully constructed legislation and regulation, robust congressional oversight of the regulators, and a moratorium on new rules until the impact of existing rules can be thoroughly assessed to minimize the damages to community banks. Credit Unions and Their Expanded Powers Credit unions have long since strayed from their founding purposes, weaponizing their competitive advantages, and are virtually indistinguishable from tax-paying community banks. Credit union acquisitions of community banks are increasing at an alarming pace and is an abuse of the tax code which exacerbates consolidation among financial institutions, negatively impacts all taxpayers, and reduces consumer choice. Credit union abuse of their tax exemption is an existential threat to community banks and the communities they serve and must end. Farm Credit System and its Expanded Powers The Farm Credit System (FCS) has long since strayed from its founding purpose, weaponizing its competitive advantages against community banks. The FCS is the only government sponsored entity (GSE) that competes directly with community banks. Its lenders leverage their tax and funding advantages as a GSE to steal away many of the best agriculture loans from community banks, which is contrary to their mission of serving young and beginning farmers and ranchers. This blatant and continued discrimination against community banks must end, the FCS competitive advantages must be reined in, and the playing field must be leveled for community banks. Enhanced Data, Cyber and Payment Card Security (Data Security) The need for data security is paramount in financial services. Community banks are strong guardians of the security and confidentiality of their customers information. Enhanced security standards should be enforced through a tiered system where the more restrictive rules are imposed on the largest members of the financial system and economy (bot community banks) where their lapses pose the greatest threat to the largest number of consumers. Consumer Financial Protection Bureau (CFPB) Reform and Exemptions for Community Banks CFPBs regulations must provide community banks with the flexibility to meet the needs of their customers - not a one-size-fits-all approach. They must not be burdened with additional and unnecessary regulatory requirements that would prevent them from serving their customers and communities. In reforming the CFPB, the single director governance should be replaced by a five-member board or commission. A broader definition of firms that grant credit should be subject to the CFPB rules, and they should be robustly supervised and examined. The focus of any enhanced regulation of financial products should be on the largest banks and financial firms, the unregulated shadow financial industry, and fintechs - not community banks. The Federal Reserves Role in Payments System Improvement (FedNow Service) The FedNow Service is a significant payments system improvement. The payments system must not be monopolized by The Clearing House and its large bank owners with their RTP Network. Community banks, consumers and small businesses must rely on the Federal Reserve to provide access to a safe and secure payments system, which requires the Fed to play a preeminent role in system improvements. The FedNow Service should have robust capabilities, should be interoperable with other payments systems and should only be accessed by regulated financial institutions - not Amazon, Walmart, and the many fintechs that are seeking direct access to the payment rails. Finally Address the Risks of Too-Big-To-Fail Banks and Financial Firms, to Protect Community Banks, our Financial System, the Economy, and American Taxpayers from Future Bailouts The Great Financial Crisis, and the mini crisis caused by the failures of SVB and SBNY, were caused by the misconduct of the nations largest banks and financial firms and by banking regulators that did not ensure the safety and soundness of these financial behemoths. The megabanks and financial firms have proven, at great cost to American taxpayers, that they cannot be managed, supervised, disciplined or prosecuted. They are clearly too-big-to-change, too-big-to-fail, and must be downsized. This necessary policy objective can be accomplished by separating the traditional deposit-taking and lending activities of the largest banks from their speculative investment banking, securities underwriting, and market making activities. The time to act is now before the next financial crisis. (House and Senate) Legislation and Regulation - H.R. 7567 or the Farm, Food, and National Security Act of 2026 (aka the Farm Bill) regarding strengthening the farm safety net, USDA guaranteed loan improvements, Farm Credit System (FCS) expansion provisions, Essential Community Facility (ECF) lending expansion, FCS ownership of Rural Business Investment Corporations (RBICs), loans to businesses for aquatic-related purposes, and potential amendment - expanding FCS home mortgage lending to towns of 10,000 (House) Action Alerts - None Letters - Comment Letter to the IRS regarding interim guidance concerning interest on loans secured by rural or agricultural real property under section 139L of the Internal Revenue Code - Notice 2025-71 (IRS) Comment Letter to the Federal Reserve regarding Request for Information and Comments on the Future of the Federal Reserve Banks Check Services - Docket No. OP-1874 (Federal Reserve) Miscellaneous - Potential House field hearing on financial fraud (House)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":52194,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":"GLENN","last_name":"SCHROEDER","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":62,"name":"Federal Reserve System"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":188,"name":"Internal Revenue Service (IRS)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"TAX","general_issue_code_display":"Taxation/Internal Revenue Code","description":"CBAI Federal Policy Priorities - Agriculture and Rural America In the 119th Congress, CBAI strongly advocates for the passage of a multi-year Farm Bill that provides ample funding for commodity programs and rural broadband, maintains strong crop insurance products, approves higher USDA-guaranteed loan limits and expedited USDA Express program approvals, and prevents the expansion of the Farm Credit System into non-farm lending activities and opposes their exemption from the Section 1071 small business data reporting requirements. Community banks and their agricultural borrowers merit favorable tax treatment for interest income on ag loans secured by ag property and primary residences in ag communities. This will help sustain and strengthen ag lending by community banks and reduce interest expenses for their banks ag borrowers. Responsible Regulation of Digital Assets - Cryptocurrency, Central Bank Digital Currency (CBDC), Stablecoins and Decentralized Finance (DeFi) The risks posed by digital assets (cryptocurrency), central Bank digital currency (CBDC) and stablecoin, and decentralized finance (DeFi) are enormous, as well as the consequences for monetary policy, our financial system, and the banking industry. They pose threats to the privacy and security of consumers and small businesses. There is no single regulator responsible for this rapidly growing sector which combines elements of currency, payments and investments, and there is insufficient transparency and lack of accountability in this ecosystem. Policymakers must develop and implement a consistent federal regulatory framework that does not permit digital assets and DeFi to offer financial services or products without being subject to the same regulations as community banks and deny nonbank stablecoin issuers access to the Federal Reserve master account, both of which would threaten the essential and highly successful business model of responsible community banks. The Federal Home Loan Banks (FHLBs) in Their Comprehensive Review by the FHFA The FHLB System is an admirable public-private partnership where the FHLBs banks provide short-term liquidity, long-term funding, mortgage-related products, and other financial services to help their owner-members weather crisis and provide affordable credit to support the local communities. FHLBanks contributes a substantial portion of its income to affordable housing and community development in their respective districts. The Federal Housing Finance Agency (FHFA) has embarked on a comprehensive review of the FHLBs. CBAI recommends that the FHFA should not seek to disrupt the cooperative structure, regional nature, special functions, and the unique purposes of the FHLBanks. Reasonable Regulatory Rules and Implementation Modernizing the Community Reinvestment Act The Final Joint Rule was published in October of 2023. The Final Joint Rule was flawed because it exempted too few financial institutions and for many other reasons. There have been legal challenges to the Final Joint Rule. CBAI supports the reasonable implementation of the CRA that includes credit unions being subject to the CRA. Meaningful Regulatory Relief for Community Banks and Regulatory Overreach CBAI joins the ICBA in supporting a more efficient system of rules and regulations, unbiased laws governing the financial sector, a safer and more secure business environment, and more efficient agricultural policies to support the nations economic growth and development in all parts of the country. Many new and significant rules have been approved which individually and collectively present incredible challenges for community banks which are less likely to be able to comply with these many new requirements. CBAI urges carefully constructed legislation and regulation, robust congressional oversight of the regulators, and a moratorium on new rules until the impact of existing rules can be thoroughly assessed to minimize the damages to community banks. Credit Unions and Their Expanded Powers Credit unions have long since strayed from their founding purposes, weaponizing their competitive advantages, and are virtually indistinguishable from tax-paying community banks. Credit union acquisitions of community banks are increasing at an alarming pace and is an abuse of the tax code which exacerbates consolidation among financial institutions, negatively impacts all taxpayers, and reduces consumer choice. Credit union abuse of their tax exemption is an existential threat to community banks and the communities they serve and must end. Farm Credit System and its Expanded Powers The Farm Credit System (FCS) has long since strayed from its founding purpose, weaponizing its competitive advantages against community banks. The FCS is the only government sponsored entity (GSE) that competes directly with community banks. Its lenders leverage their tax and funding advantages as a GSE to steal away many of the best agriculture loans from community banks, which is contrary to their mission of serving young and beginning farmers and ranchers. This blatant and continued discrimination against community banks must end, the FCS competitive advantages must be reined in, and the playing field must be leveled for community banks. Finally Address the Risks of Too-Big-To-Fail Banks and Financial Firms, to Protect Community Banks, our Financial System, the Economy, and American Taxpayers from Future Bailouts The Great Financial Crisis, and the mini crisis caused by the failures of SVB and SBNY, were caused by the misconduct of the nations largest banks and financial firms and by banking regulators that did not ensure the safety and soundness of these financial behemoths. The megabanks and financial firms have proven, at great cost to American taxpayers, that they cannot be managed, supervised, disciplined or prosecuted. They are clearly too-big-to-change, too-big-to-fail, and must be downsized. This necessary policy objective can be accomplished by separating the traditional deposit-taking and lending activities of the largest banks from their speculative investment banking, securities underwriting, and market making activities. The time to act is now before the next financial crisis. (House and Senate) Legislation and Regulation - H.R. 7567 or the Farm, Food, and National Security Act of 2026 (aka the Farm Bill) regarding strengthening the farm safety net, USDA guaranteed loan improvements, Farm Credit System (FCS) expansion provisions, Essential Community Facility (ECF) lending expansion, FCS ownership of Rural Business Investment Corporations (RBICs), loans to businesses for aquatic-related purposes, and potential amendment - expanding FCS home mortgage lending to towns of 10,000 (House) Letters - Comment Letter to the IRS regarding interim guidance concerning interest on loans secured by rural or agricultural real property under section 139L of the Internal Revenue Code - Notice 2025-71(IRS) Action Alerts - None Miscellaneous - None","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":52194,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":"GLENN","last_name":"SCHROEDER","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":188,"name":"Internal Revenue Service (IRS)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"ECN","general_issue_code_display":"Economics/Economic Development","description":"CBAI Federal Policy Priorities - Agriculture and Rural America In the 119th Congress, CBAI strongly advocates for the passage of a multi-year Farm Bill that provides ample funding for commodity programs and rural broadband, maintains strong crop insurance products, approves higher USDA-guaranteed loan limits and expedited USDA Express program approvals, and prevents the expansion of the Farm Credit System into non-farm lending activities and opposes their exemption from the Section 1071 small business data reporting requirements. Community banks and their agricultural borrowers merit favorable tax treatment for interest income on ag loans secured by ag property and primary residences in ag communities. This will help sustain and strengthen ag lending by community banks and reduce interest expenses for their banks ag borrowers. The Federal Home Loan Banks (FHLBs) in Their Comprehensive Review by the FHFA The FHLB System is an admirable public-private partnership where the FHLBs banks provide short-term liquidity, long-term funding, mortgage-related products, and other financial services to help their owner-members weather crisis and provide affordable credit to support the local communities. FHLBanks contributes a substantial portion of its income to affordable housing and community development in their respective districts. The Federal Housing Finance Agency (FHFA) has embarked on a comprehensive review of the FHLBs. CBAI recommends that the FHFA should not seek to disrupt the cooperative structure, regional nature, special functions, and the unique purposes of the FHLBanks. Reasonable Regulatory Rules and Implementation Modernizing the Community Reinvestment Act The Final Joint Rule was published in October of 2023. The Final Joint Rule was flawed because it exempted too few financial institutions and for many other reasons. There have been legal challenges to the Final Joint Rule. CBAI supports the reasonable implementation of the CRA that includes credit unions being subject to the CRA. Meaningful Regulatory Relief for Community Banks and Regulatory Overreach CBAI joins the ICBA in supporting a more efficient system of rules and regulations, unbiased laws governing the financial sector, a safer and more secure business environment, and more efficient agricultural policies to support the nations economic growth and development in all parts of the country. Many new and significant rules have been approved which individually and collectively present incredible challenges for community banks which are less likely to be able to comply with these many new requirements. CBAI urges carefully constructed legislation and regulation, robust congressional oversight of the regulators, and a moratorium on new rules until the impact of existing rules can be thoroughly assessed to minimize the damages to community banks. Credit Unions and Their Expanded Powers Credit unions have long since strayed from their founding purposes, weaponizing their competitive advantages, and are virtually indistinguishable from tax-paying community banks. Credit union acquisitions of community banks are increasing at an alarming pace and is an abuse of the tax code which exacerbates consolidation among financial institutions, negatively impacts all taxpayers, and reduces consumer choice. Credit union abuse of their tax exemption is an existential threat to community banks and the communities they serve and must end. Farm Credit System and its Expanded Powers The Farm Credit System (FCS) has long since strayed from its founding purpose, weaponizing its competitive advantages against community banks. The FCS is the only government sponsored entity (GSE) that competes directly with community banks. Its lenders leverage their tax and funding advantages as a GSE to steal away many of the best agriculture loans from community banks, which is contrary to their mission of serving young and beginning farmers and ranchers. This blatant and continued discrimination against community banks must end, the FCS competitive advantages must be reined in, and the playing field must be leveled for community banks. The Federal Reserves Role in Payments System Improvement (FedNow Service) The FedNow Service is a significant payments system improvement. The payments system must not be monopolized by The Clearing House and its large bank owners with their RTP Network. Community banks, consumers and small businesses must rely on the Federal Reserve to provide access to a safe and secure payments system, which requires the Fed to play a preeminent role in system improvements. The FedNow Service should have robust capabilities, should be interoperable with other payments systems and should only be accessed by regulated financial institutions - not Amazon, Walmart, and the many fintechs that are seeking direct access to the payment rails. Finally Address the Risks of Too-Big-To-Fail Banks and Financial Firms, to Protect Community Banks, our Financial System, the Economy, and American Taxpayers from Future Bailouts The Great Financial Crisis, and the mini crisis caused by the failures of SVB and SBNY, were caused by the misconduct of the nations largest banks and financial firms and by banking regulators that did not ensure the safety and soundness of these financial behemoths. The megabanks and financial firms have proven, at great cost to American taxpayers, that they cannot be managed, supervised, disciplined or prosecuted. They are clearly too-big-to-change, too-big-to-fail, and must be downsized. This necessary policy objective can be accomplished by separating the traditional deposit-taking and lending activities of the largest banks from their speculative investment banking, securities underwriting, and market making activities. The time to act is now before the next financial crisis. (House and Senate) Legislation and Regulation - H.R. 6644 the Housing for the 21st Century Act (Title VI) regarding the inclusion of FDIC modernizing insurance and reciprocal deposit rules, targeted regulatory and examination relief, lowering compliance costs, encouraging the formation of new community banks, and strengthen Minority Depository Institutions (MDIs) (House and Senate) S. 2651 or the ROAD Act which is the 21st Century ROAD to Housing Act regarding the inclusion of the provisions in H.R. 6644 (Housing for the 21st Century Act (Title VI) (House and Senate) H.R. 7567 or the Farm, Food, and National Security Act of 2026 (aka the Farm Bill) regarding strengthening the farm safety net, USDA guaranteed loan improvements, Farm Credit System (FCS) expansion provisions, Essential Community Facility (ECF) lending expansion, FCS ownership of Rural Business Investment Corporations (RBICs), loans to businesses for aquatic-related purposes, and potential amendment - expanding FCS home mortgage lending to towns of 10,000 (House) Letters - Comment Letter to the IRS regarding interim guidance concerning interest on loans secured by rural or agricultural real property under section 139L of the Internal Revenue Code - Notice 2025-71 (IRS) Comment Letter to the Federal Reserve regarding Request for Information and Comments on the Future of the Federal Reserve Banks Check Services - Docket No. OP-1874 (Federal Reserve) Action Alerts - Action Alert - Urge Your Representative to Support Community Bank Regulatory Relief (House) (See H.R. 6644 Housing for the 21st Century Act above) Miscellaneous - None","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":52194,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":"GLENN","last_name":"SCHROEDER","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":62,"name":"Federal Reserve System"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":188,"name":"Internal Revenue Service (IRS)"},{"id":1,"name":"SENATE"}]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]},{"url":"https://lda.gov/api/v1/filings/e00c4483-52f0-44d5-abb7-5c8ace4762a2/","filing_uuid":"e00c4483-52f0-44d5-abb7-5c8ace4762a2","filing_type":"Q1","filing_type_display":"1st Quarter - Report","filing_year":2026,"filing_period":"first_quarter","filing_period_display":"1st Quarter (Jan 1 - Mar 31)","filing_document_url":"https://lda.gov/filings/public/filing/e00c4483-52f0-44d5-abb7-5c8ace4762a2/print/","filing_document_content_type":"text/html","income":null,"expenses":"310000.00","expenses_method":"A","expenses_method_display":"A","posted_by_name":"Kata Sybenga","dt_posted":"2026-04-13T11:28:56-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":null,"registrant_address_1":"800 K Street, NW","registrant_address_2":"Suite 1000","registrant_different_address":false,"registrant_city":"Washington","registrant_state":"DC","registrant_zip":"20001","registrant":{"id":28708,"url":"https://lda.gov/api/v1/registrants/28708/","house_registrant_id":31081,"name":"NATIONAL TREASURY EMPLOYEES UNION","description":null,"address_1":"800 K Street, NW","address_2":"Suite 1000","address_3":null,"address_4":null,"city":"Washington","state":"DC","state_display":"District of Columbia","zip":"20001","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"KATA SYBENGA","contact_telephone":"+1 202-572-5500","dt_updated":"2026-07-31T11:15:48.152132-04:00"},"client":{"id":134581,"url":"https://lda.gov/api/v1/clients/134581/","client_id":12,"name":"NATIONAL TREASURY EMPLOYEES UNION","general_description":null,"client_government_entity":false,"client_self_select":true,"state":"DC","state_display":"District of Columbia","country":"US","country_display":"United States of America","ppb_state":"DC","ppb_state_display":"District of Columbia","ppb_country":"US","ppb_country_display":"United States of America","effective_date":"2007-08-09"},"lobbying_activities":[{"general_issue_code":"BUD","general_issue_code_display":"Budget/Appropriations","description":"Draft Senate FY 2026 Homeland Security Appropriations bill Draft House FY 2027 Financial Services and General Government Appropriations bill H. Con. Res. 15, Calling an Article V Convention for proposing a Fiscal Responsibility Amendment to the United States Constitution and stipulating ratification by a vote of We the People, and for other purposes. H. J. Res. 110, Proposing a balanced budget amendment to the Constitution of the United States. H. J. Res. 112, Proposing an amendment to the Constitution of the United States related to the public debt. H. J. Res. 139, Proposing an amendment to the Constitution of the United States requiring a balanced budget for the Federal Government. H.R. 182, Default Prevention Act H.R. 191, Inflation Reduction Act of 2025 H.R. 196, Family and Small Business Taxpayer Protection Act H.R. 199, Implementing DOGE Act H.R. 222, Sustainable Budget Act of 2025 H.R. 374, DIRECT Act H.R. 654, TABS Act of 2025 H.R. 814, Defund the CFPB Act S. 303, Defund the CFPB Act H.R. 1180, To repeal the Impoundment Control Act of 1974. S. 515, A bill to repeal the Impoundment Control Act of 1974. H.R. 1916, Pay Our Border Patrol and Customs Agents Act of 2025 H.R. 2050, Homeland Heroes Pay Act H.R. 3001, To advance commonsense priorities. H.R. 3141, CFPB Budget Integrity Act H.R. 3289, Fiscal Commission Act H.R. 4016, Department of Defense Appropriations Act, 2026 S. 2572, Department of Defense Appropriations Act, 2026 H.R. 4178, Enforce the Caps Act H.R. 4213, Department of Homeland Security Appropriations Act, 2026 H.R. 4229, To amend the Impoundment Control Act of 1974 to require prior approval from Congress before the Comptroller General may pursue a civil action under such Act, and for other purposes. H.R. 4273, Over-the-Counter Monograph Drug User Fee Amendments H.R. 4553, Energy and Water Development and Related Agencies Appropriations Act, 2026 S. 3293, Energy and Water Development and Related Agencies Appropriations Act, 2026 H.R. 4754, Department of the Interior, Environment, and Related Agencies Appropriations Act, 2026 S. 2431, Department of the Interior, Environment, and Related Agencies Appropriations Act, 2026 H.R. 4765, Securing our Border Act H.R. 5130, Prevent Government Shutdowns Act of 2025 S. 2721, Prevent Government Shutdowns Act of 2025 H.R. 5166, Financial Services and General Government Appropriations Act, 2026 S. 3290, Financial Services and General Government Appropriations Act, 2026 H.R. 5220, Congressional Power of the Purse Act H.R. 5260, Pay Our Border Patrol and Customs Agents Act H.R. 5304, Departments of Labor, Health and Human Services, and Education, and Related Agencies Appropriations Act, 2026 S. 2587, Departments of Labor, Health and Human Services, and Education, and Related Agencies Appropriations Act, 2026 H.R. 5342, Commerce, Justice, Science, and Related Agencies Appropriations Act, 2026 S. 2354, Commerce, Justice, Science, and Related Agencies Appropriations Act, 2026 H.R. 5398, Pay Our Homeland Defenders Act of 2026 H.R. 5405, Government Shutdown Prevention Act of 2025 H.R. 5438, Incentivize Savings Act H.R. 5450, Continuing Appropriations and Extensions and Other Matters Act, 2026 S. 2882, Continuing Appropriations and Extensions and Other Matters Act, 2026 H.R. 5542, End Government Shutdowns Act H.R. 5552, Eliminate Shutdowns Act H.R. 5619, Federal Firefighter Paycheck Protection Act H.R. 5628, Pay Workers What Theyve Earned Act H.R. 5801, Shutdown Fairness Act S. 3012, Shutdown Fairness Act H.R. 5802, MAGA Act H.R. 5870, Prevent Government Shutdowns Act H.R. 5893, GUARD Act H.R. 5998, To provide for the continued operation of the Hatch Act Unit of the Office of Special Counsel during a lapse in appropriations, and for other purposes. H.R. 6938, Commerce, Justice, Science; Energy and Water Development; and Interior and Environment Appropriations Act, 2026 H.R. 7006, Financial Services and General Government and National Security, Department of State, and Related Programs Appropriations Act, 2026 H.R. 7137, Shutdown Fairness Act S. 3168, Shutdown Fairness Act H.R. 7147, Further Additional Continuing Appropriations Act, 2026 H.R. 7148, Consolidated Appropriations Act, 2026 H.R. 7295, Comprehensive Congressional Budget Act of 2026 H.R. 7322, True Shutdown Fairness Act H.R. 7481, Department of Homeland Security Appropriations Act, 2026 H.R. 7617, To provide funding for administrative expenses of the Department of Homeland Security during any lapse in appropriations during fiscal year 2026, to require that the Department be responsive to congressional offices during such a lapse in appropriations, and for other purposes. H.R. 7744, Department of Homeland Security Appropriations Act, 2026 H.R. 7844, To provide the Secretary of Homeland Security with the authority to transfer funds between accounts under the Department of Homeland Security during a lapse in appropriations, and for other purposes. H.R. 8029, Pay Our Homeland Defenders Act S. J. Res. 97, A joint resolution proposing a balanced budget amendment to the Constitution of the United States. S. Res. 654, A resolution expressing the sense of the Senate that the United States should reduce and maintain the Federal unified budget deficit at or below 3 percent of gross domestic product. S. 175, A bill to rescind unobligated balances appropriated for the IRS and use for an External Revenue Service S. 181, A bill to require agencies submit zero-based budgets. S. 360, To provide for across the board rescissions of non-security discretionary spending S. 481, Securing our Border Act S. 2806, Eliminate Shutdowns Act S. 3001, Shutdown Fairness Act S. 3039, True Shutdown Fairness Act S. 3165, True Shutdown Fairness Act S. 3043, Military and Federal Employee Protection Act S. 3066, Pay the People Act S. 3681, Keep Our Border Agents Paid Act S. 3951, Balanced Budget Responsibility Act of 2026 S. 4012, Fiscal Commission Act S. 4173, Dollar-for-Dollar Deficit Reduction Act S. 4174, A bill to provide a premium payment to employees who worked without receiving pay during the shutdown of the Department of Homeland Security of 10 percent of the pay the employees should have received during the shutdown.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":33834,"prefix":null,"prefix_display":null,"first_name":"KURT","nickname":null,"middle_name":null,"last_name":"VORNDRAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":3778,"prefix":null,"prefix_display":null,"first_name":"REGINA","nickname":null,"middle_name":null,"last_name":"HUTTER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":45731,"prefix":null,"prefix_display":null,"first_name":"MATTHEW","nickname":null,"middle_name":null,"last_name":"SOCKNAT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":138404,"prefix":"mr","prefix_display":"MR.","first_name":"MATTHEW","nickname":null,"middle_name":null,"last_name":"SOWARDS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":65769,"prefix":null,"prefix_display":null,"first_name":"JENNIFER","nickname":null,"middle_name":null,"last_name":"TYREE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":71319,"prefix":null,"prefix_display":null,"first_name":"KATHERINE","nickname":null,"middle_name":"C","last_name":"SYBENGA","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148450,"prefix":null,"prefix_display":null,"first_name":"MARAM","nickname":null,"middle_name":null,"last_name":"ABDELHAMID","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":45,"name":"Commodity Futures Trading Commission (CFTC)"},{"id":255,"name":"Consumer Financial Protection Bureau (CFPB)"},{"id":135,"name":"Food & Drug Administration (FDA)"},{"id":201,"name":"Homeland Security, Dept of (DHS)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":188,"name":"Internal Revenue Service (IRS)"},{"id":18,"name":"Office of Management & Budget (OMB)"},{"id":81,"name":"Office of Personnel Management (OPM)"},{"id":113,"name":"Patent & Trademark Office (PTO)"},{"id":88,"name":"Securities & Exchange Commission (SEC)"},{"id":1,"name":"SENATE"},{"id":41,"name":"Treasury, Dept of"},{"id":184,"name":"U.S. Customs & Border Protection"}]},{"general_issue_code":"GOV","general_issue_code_display":"Government Issues","description":"H. Res. 186, Of inquiry requesting the President to transmit certain documents to the House of Representatives relating to the conflicts of interest of Elon Musk and related information. H. Res. 187, Of inquiry requesting the President to transmit certain information to the House of Representatives referring to the termination, removal, placement on administrative leave, moved to another department of Federal employees and Inspectors General of agencies. H. Res. 259, Of inquiry requesting the President to provide certain documents in the President's possession to the House of Representatives relating to the access provided to the staff and advisers of, including any individual working for or in conjunction with, the Department of Government Efficiency to the systems, applications, and accounts, and any information contained therein, of the Bureau of Consumer Financial Protection. H. Res. 286, Of inquiry requesting the President to transmit certain documents relating to the dangerous, unaccountable use of AI by the United States DOGE Service to jeopardize the private information and essential services of the American people. H. Res. 302, Of inquiry requesting the President and directing the Secretaries of the Treasury and Labor to transmit, respectively, certain documents to the House of Representatives relating to the effect on local economies and communities of the Department of Government Efficiency and newly-imposed tariffs. H. Res. 807, Of inquiry requesting the President to transmit certain information to the House of Representatives referring to the firings, dismissal, reduction in force, or withholding of pay for the period of the lapse in appropriations of furloughed employees of the United States Government. H. Res. 825, Of inquiry requesting the President to transmit certain information to the House of Representatives referring to United States Government agencies sharing certain communications with the public and Federal employees. H.R. 15, Equality Act S. 1503, Equality Act H.R. 25, Fair Tax Act of 2025 H.R. 51, Washington, D.C. Admission Act S. 51, Washington, D.C. Admission Act H.R. 107, Return to Work Act H.R. 195, CBP Relocation Act H.R. 200, Federal Freeze Act S. 357, Federal Freeze Act H.R. 201, Federal Employee Performance and Accountability Act of 2025 S. 359, Federal Employee Performance and Accountability Act of 2025 H.R. 202, Commission to Relocate the Federal Bureaucracy Act S. 353, Commission to Relocate the Federal Bureaucracy Act H.R. 236, Federal Employee Return to Work Act S. 27, Federal Employee Return to Work Act H.R. 242, MANAGER Act H.R. 357, Back to Work Act H.R. 371, No Hires for the Delinquent IRS Act H.R. 435, Direct Hire To Fight Fires H.R. 473, SHOW UP Act of 2025 S. 354, SHOW UP Act of 2025 H.R. 489, Federal Agency Sunset Commission Act of 2025 H.R. 491, Equal COLA Act S. 624, Equal COLA Act H.R. 492, Saving the Civil Service Act S. 134, Saving the Civil Service Act H.R. 493, FAIR Act S. 126,FAIR Act H.R. 514, SWAMP Act S. 22, SWAMP Act H.R. 687, MERIT Act of 2025 S. 662,MERIT Act of 2025 H.R. 697, End the Deep State Act H.R. 743, Tim's Act S. 279, Tim's Act H.R. 759, Federal Firefighters Families First Act H.R. 800, DEI to DIE Act H.R. 925, Dismantle DEI Act S. 382, Dismantle DEI Act of 2025 H.R. 977, Support Military Spouses Act H.R. 1075, Tax Administration Simplification Act H.R. 1101, Taxpayer Data Protection Act H.R. 1280, DRAIN THE SWAMP Act S. 23, DRAIN THE SWAMP Act H.R. 1294, BEST Facilitation Act S. 578, BEST Facilitation Act H.R. 1295, Reorganizing Government Act of 2025 S. 583, Reorganizing Government Act of 2025 H.R. 1460, Drain the Swamp Act of 2025 H.R. 1511, REDUCE Act H.R. 1522, Federal Retirement Fairness Act H.R. 1535, BAD DOGE ACT H.R. 1548, Leveling the Playing Field 2.0 Act S. 691, Leveling the Playing Field 2.0 Act H.R. 1569, CATCH Fentanyl Act S. 703, CATCH Fentanyl Act H.R. 1571, Bureaucratic Labor Adjustment and Downsizing Effort Act H.R. 1603, Repeal CFPB Act H.R. 1637, Protect Veteran Jobs Act S. 914, Protect Veteran Jobs Act H.R. 1807, Protecting Federal Agencies and Employees from Political Interference Act H.R. 1835, MERIT Act S. 1075, MERIT Act H.R. 1930, Border Workforce Improvement Act H.R. 1943, Wildland Firefighter Paycheck Protection Act of 2025 H.R. 1989, Protect Our Probationary Employees Act S. 918, Protect Our Probationary Employees Act H.R. 2006, DOGE Act H.R. 2207, Saving DOEs Workforce Act H.R. 2255, Federal Law Enforcement Officer Service Weapon Purchase Act H.R. 2285, DHS Basic Training Accreditation Improvement Act of 2025 H.R. 2324, Unity through Service Act of 2025 S. 1120, Unity through Service Act of 2025 H.R. 2421, Protecting Taxpayer Resources Act H.R. 2470, COST of Relocations Act S. 1171, COST of Relocations Act H.R. 2532, To prohibit certain removals of employees of the Department of Health and Human Services and sub-agencies and operating divisions thereof, and for other purposes. H.R. 2601, Delete DOGE Act H.R. 2677, 10th Amendment Restoration Act of 2025 H.R. 2737, ELON MUSK Act H.R. 2742, DOGE Accountability and Transparency Act H.R. 2743, Raise the Wage Act of 2025 S. 1332, Raise the Wage Act of 2025 H.R. 2829, SERVICE Act H.R. 2880, To provide employment protections for, and reinstatement of, certain probationary Federal career employees, and for other purposes. H.R. 2894, SEER Act of 2025 S. 1491, SEER Act 2025 H.R. 2905, Ensuring Agency Service Quality Act H.R. 2906, SERVICE Act H.R. 2921, Federal Firefighter Cancer Detection and Prevention Act of 2025 H.R. 2962, Border Airport Fairness Act of 2025 S. 677, Border Airport Fairness Act of 2025 H.R. 3046, Workers Memorial Day H.R. 3072, DOGE Codification Act of 2025 H.R. 3093, REHIRE Act H.R. 3094, PREP Act H.R. 3120, To improve the review and effectiveness of the cost of living adjustments to pay and benefits for members of the Armed Forces and civilian employees of the Department of Defense whose permanent duty station is located in the 19th Congressional District of California, and for other purposes. H.R. 3144, Honoring our K9 Heroes Act H.R. 3170, Improving Access to Workers Compensation for Injured Federal Workers Act H.R. 3171, Reduction in Force Review Act S. 1585, Reduction in Force Review Act H.R. 3226, Law Enforcement Officers Equity Act H.R. 3267, PSLF Payment Completion Fairness Act S. 3487, PSLF Payment Completion Fairness Act H.R. 3305, LEO Fair Retirement Act of 2025 H.R. 3317, Honoring Civil Servants Killed in the Line of Duty Act S. 2078, Honoring Civil Servants Killed in the Line of Duty Act H.R. 3346, Sovereign State Environmental Quality Assurance Act H.R. 3364, Federal Retirement Thrift Investment Board Inspector General Act of 2025 H.R. 3404, FAIR Leave Act H.R. 3435, Federal Cyber Workforce Training Act of 2025 H.R. 3445, Bureau of Consumer Financial Protection Commission Act H.R. 3468, Protecting Retirement and Health Benefits for Families Act H.R. 3555, Protect our Parks Act of 2025 H.R. 3560, Veteran Wildland Firefighter Employment Act of 2025 H.R. 3733, Make DOGE Permanent Act H.R. 3853, Federal Government Reform Act of 2025 H.R. 3891, Northern Border Security and Staffing Reform Act H.R. 3965, PEARL Act S. 4079, PEARL Act H.R. 4052, Employment Abundance Act H.R. 4057, CBP Canine Home Kenneling Pilot Act H.R. 4176, No Secret Police Act of 2025 H.R. 4440, Protecting Federal Employee Rights to Personnel Files Act of 2025 H.R. 4582, To amend the Family and Medical Leave Act of 1993 and title 5, United States Code, to clarify that organ donation surgery qualifies as a serious health condition. H.R. 4672, To extend the break-in-service consideration for firefighter retirements, and other purposes. H.R. 4683, Securing Americas Ports of Entry Act of 2025 S. 1678, Securing America's Ports of Entry Act of 2025 H.R. 4727, To codify Executive Order 14235 relating to restoring public service loan forgiveness. H.R. 4823, Promoting Free and Fair Elections Act of 2025 H.R. 4854, Saving the Department of the Interior's Workforce Act S. 2597, Saving the Department of the Interior's Workforce Act H.R. 4893, National Guard and Reserve Student Loan Fairness Act H.R. 4907, Statistical Agency Integrity and Independence Act H.R. 4908, Time Off to Vote Act S. 2549, Time Off to Vote Act H.R. 4974, DETECT Act of 2025 H.R. 4996, FORWARD Act H.R. 5000, Cybersecurity Hiring Modernization Act H.R. 5091, To amend section 5545 of title 5, United States Code, to provide hazard pay for carrying out prescribed burns, and for other purposes. H.R. 5397, HEALING Mothers and Fathers Act S. 2418, HEALING Mothers and Fathers Act H.R. 5572, Help FEDS Act S. 2948, Help FEDS Act H.R. 5599, To prohibit the removal of Federal employees during any lapse in discretionary appropriations, and for other purposes. H.R. 5653, Trust Through Transparency Act of 2025 H.R. 5674, Emergency Relief for Federal Workers Act of 2025 S. 2966, Emergency Relief for Federal Workers Act of 2025 H.R. 5676, Stop Stealing Our Jobs Act H.R. 5679, TRUMP Act H.R. 5689, Shutdown Guidance for Financial Institutions Act S. 2995, Shutdown Guidance for Financial Institutions Act H.R. 5708, Federal Employees Civil Relief Act S. 2982, Federal Employees Civil Relief Act H.R. 5720, Federal Worker Childcare Protection Act of 2025 H.R. 5724, FAST Justice Act S. 2977, FAST Justice Act H.R. 5750, EQUALS Act of 2025 H.R. 5771, Reliable Social Security Service for Seniors Act H.R. 5810, Federal Supervisor Education Act H.R. 5816, HELP FEDs Act H.R. 5843, Shutdown Student Loans for Feds Act S. 3070, Shutdown Student Loans for Feds Act H.R. 5908, Non-Essential Workers Transparency Act S. 3005, Non-Essential Workers Transparency Act H.R. 6023, Government Shutdown Efficiency Act H.R. 6284, Strengthening Loan Forgiveness for Public Service Workers Act S. 3277, Strengthening Loan Forgiveness for Public Service Workers Act H.R. 6323, Taxpayer Protection and Preparer Proficiency Act H.R. 6330, Federal Relocation Payment Improvement Act H.R. 6371, No Robot Bosses Act H.R. 6548, DHS Suicide Prevention and Resiliency for Law Enforcement Act H.R. 6791, Strong Ports, Strong Communities Act S. 3504, Strong Ports, Strong Communities Act H.R. 6818, Part-Time Worker Bill of Rights Act S. 3547, Part-Time Worker Bill of Rights Act H.R. 6926, Federal Property Integrity Act H.R. 6929, Thrift Savings Plan Emergency Withdrawal Act of 2025 H.R. 6971, To require congressional approval of major Executive Orders and major rules, and for other purposes. H.R. 7039, SERVE Act S. 3622, SERVE Act H.R. 7067, No Violent Criminals in the Federal Workforce Act H.R. 7098, Homeland Threat Response Act H.R. 7102, Federal Workforce Civics Competency and Accountability Act H.R. 7228, Maintain Access to Vital Social Security Services Act of 2026 H.R. 7256, Federal Workforce Early Separation Incentives Act H.R. 7357, TSP Fiduciary Security Act of 2026 S. 1368, TSP Fiduciary Security Act of 2025 H.R. 7471, Give America a Raise Act H.R. 7480, FAIR Act S. 3823, FAIR Act H.R. 7505, Flexible Leave Act H.R. 7507, Fiscal Harms of Federal Firings Act S. 3844, Fiscal Harms of Federal Firing Act H.R. 7531, Healthy Families Act S. 3869, Healthy Families Act H.R. 7583, BE HEARD in the Workplace Act S. 3865, BE HEARD in the Workplace Act H.R. 7706, Federal Retirement Safety Act H.R. 7934, Settlement Agreement Information Database Act of 2026 H.R. 7971, Taxpayer Experience Improvement Act H.R. 7972, Taxpayer Workforce Modernization Act H.R. 8096, Duplication Scoring Act of 2026 H.R. 8134, Strengthen Taxpayer Rights Act of 2026 S. Res. 165, A resolution expressing the sense of the Senate that the plan of President Trump and Elon Musk to fire 83,000 employees of the Department of Veterans Affairs is unacceptable and must be rescinded. S. Res. 166, A resolution demanding the immediate reinstatement of all veteran Federal employees involuntarily removed or otherwise dismissed without cause since January 20, 2025. S. Res. 324, A resolution expressing the sense of the Senate that the actions of the Trump Administration that drastically and indiscriminately reduce staff at Federal agencies, freeze vast swaths of critical Federal funding, and dismantle Federal agencies are destructive and harmful to communities across the United States and have raised costs for American families. S. Res. 579, A resolution affirming the importance of the Social Security program to the people of the United States and expressing the sense of the Senate that Social Security must be preserved, protected, and strengthened for current and future generations. S. 21, REMOTE Act S. 26, To exclude locality adjustments from average pay for computing retirement annuities of new employees. S. 67, Censorship Accountability Act S. 82, Telework Reform Act of 2025 S. 102, ROOMIE Act S. 135, Wildland Firefighter Paycheck Protection Act of 2025 S. 295, Reducing the Federal Workforce Through Attrition Act S. 452, BARCODE Efficiency Act S. 490,Protecting Americans' Privacy Act S. 591, Restore Merit to Government Service Act of 2025 S. 727, U.S. Customs and Border Protection Officer Retirement Technical Corrections Act S. 949, Save Our Parks Act of 2025 S. 1059, One Agency Act S. 1138, A bill to require the Secretary of Homeland Security to enhance capabilities for outbound inspections at the southern land border, and for other purposes. S. 1154, Congressional Whistleblower Protection Act of 2025 S. 1185, FIGHTING for America Act of 2025 S. 1427, Audit the IRS Act S. 1444, Tax DODGER Act S. 1625, SHIELD Against CCP Act S. 1768, TALENTS Act S. 1771, Larry Henderson Act S. 1819, DOGE BROS Act S. 1871, Emerging Innovative Border Technologies Act S. 1923, CFPB Pay Fairness Act of 2025 S. 1991, Delivering On Government Efficiency in Spending Act S. 2039, Wildfire Risk Evaluation Act S. 2091, Restoring Lethality Act S. 2163, Border Patrol Recruitment Enhancement Act S. 2173, For Sale Act of 2025 S. 2429, Stop the Scammers Act S. 2473, Federal Firefighters Families First Act S. 2542, Federal Building Threat Notification Act S. 2595, Saving the Department of Energy's Workforce Act S. 2605, A bill to amend title 10, United States Code, to improve recruitment and retention of the cyber workforce of the Department of Defense, and for other purposes. S. 2645, DHS Suicide Prevention and Resiliency for Law Enforcement Act S. 2732, Bonuses for Cost-Cutters Act of 2025 S. 2786, Pipeline to Service Act S. 2816, Stop Sycophants in Government Act of 2025 S. 2838, Protecting Our Democracy Act S. 2953, Dismantling Double Dippers Act of 2025 S. 3091, DISPOSAL Act S. 3141, SAFE Act S. 3156, Federal Worker Mortgage Forbearance Act S. 3263, Stop TSP ESG Act S. 3283, Exclusive Citizenship Act of 2025 S. 3296, Improving Access to Workers Compensation for Injured Federal Workers Act of 2025 S. 3553, Wheres WALDO Act S. 3609, Community Protection and Wildfire Resilience Act S. 3619, Department of Defense Comprehensive Cyber Workforce Strategy Act of 2026 S. 3699, FOCUS Act S. 3755, Digital Commodity Intermediaries Act S. 3996, DHS Hiring Review Act S. 3997, Homeland Security Improvement Act S. 4099, Whistleblower Anti-Gag Act of 2026 S. 4100, A bill to amend title 5, United States Code, to clarify whistleblower protections for duty speech disclosures, and for other purposes. S. 4117, Federal Law Enforcement Officer Service Weapon Purchase Act of 2026 S. 4271, A bill to amend title 5, United States Code, to provide rest and recuperation leave for employees engaged in wildland firefighting, and for other 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