{"count":433,"next":"https://lda.gov/api/v1/filings/?filing_specific_lobbying_issues=H.R.+6644&filing_year=2026&ordering=-filing_year&page=2","previous":null,"results":[{"url":"https://lda.gov/api/v1/filings/fe9f26f1-5a6e-4d39-b4db-19c27f43d0b8/","filing_uuid":"fe9f26f1-5a6e-4d39-b4db-19c27f43d0b8","filing_type":"RR","filing_type_display":"Registration","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/fe9f26f1-5a6e-4d39-b4db-19c27f43d0b8/print/","filing_document_content_type":"text/html","income":null,"expenses":null,"expenses_method":null,"expenses_method_display":null,"posted_by_name":"Sara Nuvy","dt_posted":"2026-02-23T10:32:10-05:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":null,"registrant_address_1":"601 Thirteenth St, NW","registrant_address_2":"Suite 250 S","registrant_different_address":null,"registrant_city":"Washington","registrant_state":"DC","registrant_zip":"20005","registrant":{"id":401104288,"url":"https://lda.gov/api/v1/registrants/401104288/","house_registrant_id":null,"name":"BALLARD PARTNERS, LLC","description":"Government relations and advocacy services","address_1":"601 Thirteenth St, NW","address_2":"Suite 250 S","address_3":null,"address_4":null,"city":"Washington","state":"DC","state_display":"District of Columbia","zip":"20005","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"SARA NUVY","contact_telephone":"+1 202-800-5620","dt_updated":"2026-10-20T17:57:36.224780-04:00"},"client":{"id":71376,"url":"https://lda.gov/api/v1/clients/71376/","client_id":71376,"name":"BB LIVING","general_description":"Rental homes","client_government_entity":null,"client_self_select":false,"state":"AZ","state_display":"Arizona","country":"US","country_display":"United States of America","ppb_state":"AZ","ppb_state_display":"Arizona","ppb_country":"US","ppb_country_display":"United States of America","effective_date":"2026-01-19"},"lobbying_activities":[{"general_issue_code":"HOU","general_issue_code_display":"Housing","description":"Housing Executive Order, H.R. 6644, the Housing for the 21st Century Act; S.2651 - ROAD to Housing Act of 2025","foreign_entity_issues":null,"lobbyists":[{"lobbyist":{"id":65360,"prefix":null,"prefix_display":null,"first_name":"BRIAN","nickname":null,"middle_name":null,"last_name":"BALLARD","suffix":null,"suffix_display":null},"covered_position":null,"new":true},{"lobbyist":{"id":148105,"prefix":null,"prefix_display":null,"first_name":"ADRIAN","nickname":null,"middle_name":null,"last_name":"LUKIS","suffix":null,"suffix_display":null},"covered_position":null,"new":true},{"lobbyist":{"id":148281,"prefix":null,"prefix_display":null,"first_name":"PATRICK","nickname":null,"middle_name":null,"last_name":"KILCUR","suffix":null,"suffix_display":null},"covered_position":"Floor Assistant, Senate Republican Secretary (2012-2014); Cloakroom Assistant, Senate Republican Secretary (2008-2012); Floor Monitor, Sen. Arlen Specter (2006-2008)","new":true}],"government_entities":[]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]},{"url":"https://lda.gov/api/v1/filings/b36c99b0-fa92-4876-833a-89a1456d5fe1/","filing_uuid":"b36c99b0-fa92-4876-833a-89a1456d5fe1","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/b36c99b0-fa92-4876-833a-89a1456d5fe1/print/","filing_document_content_type":"text/html","income":null,"expenses":"10000.00","expenses_method":"A","expenses_method_display":"A","posted_by_name":"Lance Haynie","dt_posted":"2026-03-27T12:29:32-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":null,"registrant_address_1":"2603 Santa Clara Dr.","registrant_address_2":null,"registrant_different_address":false,"registrant_city":"Santa Clara","registrant_state":"UT","registrant_zip":"84765","registrant":{"id":401110241,"url":"https://lda.gov/api/v1/registrants/401110241/","house_registrant_id":77399,"name":"CITY OF SANTA CLARA","description":null,"address_1":"2603 Santa Clara Dr.","address_2":null,"address_3":null,"address_4":null,"city":"Santa Clara","state":"UT","state_display":"Utah","zip":"84765","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"LANCE HAYNIE","contact_telephone":"+1 435-429-1773","dt_updated":"2026-07-07T12:15:18.315987-04:00"},"client":{"id":70633,"url":"https://lda.gov/api/v1/clients/70633/","client_id":70633,"name":"CITY OF SANTA CLARA","general_description":"Federal intergovernmental representation for the City of Santa Clara","client_government_entity":null,"client_self_select":true,"state":"UT","state_display":"Utah","country":"US","country_display":"United States of America","ppb_state":"UT","ppb_state_display":"Utah","ppb_country":"US","ppb_country_display":"United States of America","effective_date":"2026-01-01"},"lobbying_activities":[{"general_issue_code":"BUD","general_issue_code_display":"Budget/Appropriations","description":"H.R. 6938 - Commerce, Justice, Science; Energy and Water Development; and Interior and Environment Appropriations Act, 2026 FY2026 federal appropriations and continuing resolution FY2027 federal appropriations and Community Project Funding (CPF) request Federal grant opportunities and funding announcements related to municipal infrastructure, housing, public works, and public safety Executive actions and orders affecting federally funded local projects and programs","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":152406,"prefix":null,"prefix_display":null,"first_name":"LANCE","nickname":null,"middle_name":null,"last_name":"HAYNIE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"NAT","general_issue_code_display":"Natural Resources","description":"H.R. 573 / S. 1191 - Studying NEPAs Impact on Projects Act H.R. 4660 / S. 2390 - Unlocking Housing Supply Through Streamlined and Modernized Reviews Act H.R. 4503 / S. 3800 - ePermit Act H.R. 4776 - SPEED Act H.R. 1897 - ESA Amendments Act of 2025 H.R. 142 / S. 485 - Regulations from the Executive in Need of Scrutiny (REINS) Act of 2025 H.R. 5091 - Hazard pay for prescribed burns and related federal land management activities Congressional actions and legislation related to federal land conveyance to municipal entities Actions by the Bureau of Land Management (BLM) and U.S. Fish and Wildlife Service (FWS) related to public lands, conservation, and project permitting Public lands policy and federal actions affecting the Northern Corridor project Federal policy and legislative proposals related to western land management and targeted federal land conveyances to support attainable and workforce housing","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":152406,"prefix":null,"prefix_display":null,"first_name":"LANCE","nickname":null,"middle_name":null,"last_name":"HAYNIE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"IND","general_issue_code_display":"Indian/Native American Affairs","description":"H.R. 3073 / S. 1508 - Shivwits Band of Paiutes Jurisdictional Clarity Act","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":152406,"prefix":null,"prefix_display":null,"first_name":"LANCE","nickname":null,"middle_name":null,"last_name":"HAYNIE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"HOU","general_issue_code_display":"Housing","description":"H.R. 6644 - Housing for the 21st Century Act S. 2651 - Renewing Opportunity in the American Dream (ROAD) to Housing Act H.R. 4660 / S. 2390 - Unlocking Housing Supply Through Streamlined and Modernized Reviews Act H.R. 4503 / S. 3800 - ePermit Act H.R. 4776 - SPEED Act Federal legislative proposals and policy discussions related to expanding attainable and workforce housing through targeted federal land conveyances to local governments, particularly in western communities constrained by surrounding federal lands Federal policies and programs affecting housing supply, affordability, and development","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":152406,"prefix":null,"prefix_display":null,"first_name":"LANCE","nickname":null,"middle_name":null,"last_name":"HAYNIE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]},{"url":"https://lda.gov/api/v1/filings/49198bfd-8180-4477-8ccd-032b09517e8c/","filing_uuid":"49198bfd-8180-4477-8ccd-032b09517e8c","filing_type":"1A","filing_type_display":"1st Quarter - Amendment","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/49198bfd-8180-4477-8ccd-032b09517e8c/print/","filing_document_content_type":"text/html","income":null,"expenses":"10000.00","expenses_method":"A","expenses_method_display":"A","posted_by_name":"Lance Haynie","dt_posted":"2026-03-27T12:35:13-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":null,"registrant_address_1":"2603 Santa Clara Dr.","registrant_address_2":null,"registrant_different_address":false,"registrant_city":"Santa Clara","registrant_state":"UT","registrant_zip":"84765","registrant":{"id":401110241,"url":"https://lda.gov/api/v1/registrants/401110241/","house_registrant_id":77399,"name":"CITY OF SANTA CLARA","description":null,"address_1":"2603 Santa Clara Dr.","address_2":null,"address_3":null,"address_4":null,"city":"Santa Clara","state":"UT","state_display":"Utah","zip":"84765","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"LANCE HAYNIE","contact_telephone":"+1 435-429-1773","dt_updated":"2026-07-07T12:15:18.315987-04:00"},"client":{"id":70633,"url":"https://lda.gov/api/v1/clients/70633/","client_id":70633,"name":"CITY OF SANTA CLARA","general_description":"Federal intergovernmental representation for the City of Santa Clara","client_government_entity":null,"client_self_select":true,"state":"UT","state_display":"Utah","country":"US","country_display":"United States of America","ppb_state":"UT","ppb_state_display":"Utah","ppb_country":"US","ppb_country_display":"United States of America","effective_date":"2026-01-01"},"lobbying_activities":[{"general_issue_code":"BUD","general_issue_code_display":"Budget/Appropriations","description":"H.R. 6938 - Commerce, Justice, Science; Energy and Water Development; and Interior and Environment Appropriations Act, 2026 FY2026 federal appropriations and continuing resolution FY2027 federal appropriations and Community Project Funding (CPF) request Federal grant opportunities and funding announcements related to municipal infrastructure, housing, public works, and public safety Executive actions and orders affecting federally funded local projects and programs","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":152406,"prefix":null,"prefix_display":null,"first_name":"LANCE","nickname":null,"middle_name":null,"last_name":"HAYNIE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"NAT","general_issue_code_display":"Natural Resources","description":"H.R. 573 / S. 1191 - Studying NEPAs Impact on Projects Act H.R. 4660 / S. 2390 - Unlocking Housing Supply Through Streamlined and Modernized Reviews Act H.R. 4503 / S. 3800 - ePermit Act H.R. 4776 - SPEED Act H.R. 1897 - ESA Amendments Act of 2025 H.R. 142 / S. 485 - Regulations from the Executive in Need of Scrutiny (REINS) Act of 2025 H.R. 5091 - Hazard pay for prescribed burns and related federal land management activities Congressional actions and legislation related to federal land conveyance to municipal entities Actions by the Bureau of Land Management (BLM) and U.S. Fish and Wildlife Service (FWS) related to public lands, conservation, and project permitting Public lands policy and federal actions affecting the Northern Corridor project Federal policy and legislative proposals related to western land management and targeted federal land conveyances to support attainable and workforce housing","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":152406,"prefix":null,"prefix_display":null,"first_name":"LANCE","nickname":null,"middle_name":null,"last_name":"HAYNIE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":36,"name":"Interior, Dept of (DOI)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"IND","general_issue_code_display":"Indian/Native American Affairs","description":"H.R. 3073 / S. 1508 - Shivwits Band of Paiutes Jurisdictional Clarity Act","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":152406,"prefix":null,"prefix_display":null,"first_name":"LANCE","nickname":null,"middle_name":null,"last_name":"HAYNIE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"HOU","general_issue_code_display":"Housing","description":"H.R. 6644 - Housing for the 21st Century Act S. 2651 - Renewing Opportunity in the American Dream (ROAD) to Housing Act H.R. 4660 / S. 2390 - Unlocking Housing Supply Through Streamlined and Modernized Reviews Act H.R. 4503 / S. 3800 - ePermit Act H.R. 4776 - SPEED Act Federal legislative proposals and policy discussions related to expanding attainable and workforce housing through targeted federal land conveyances to local governments, particularly in western communities constrained by surrounding federal lands Federal policies and programs affecting housing supply, affordability, and development","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":152406,"prefix":null,"prefix_display":null,"first_name":"LANCE","nickname":null,"middle_name":null,"last_name":"HAYNIE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]},{"url":"https://lda.gov/api/v1/filings/9af4b75f-3e16-4ef3-9f1f-87ec9f7d414f/","filing_uuid":"9af4b75f-3e16-4ef3-9f1f-87ec9f7d414f","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/9af4b75f-3e16-4ef3-9f1f-87ec9f7d414f/print/","filing_document_content_type":"text/html","income":"100000.00","expenses":null,"expenses_method":null,"expenses_method_display":null,"posted_by_name":"Richard M. Gold, Partner","dt_posted":"2026-04-08T14:28:36-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":null,"registrant_address_1":"800 17th Street NW","registrant_address_2":"Suite 1100","registrant_different_address":false,"registrant_city":"Washington","registrant_state":"DC","registrant_zip":"20006","registrant":{"id":18466,"url":"https://lda.gov/api/v1/registrants/18466/","house_registrant_id":30825,"name":"HOLLAND & KNIGHT LLP","description":"Law Firm","address_1":"800 17th Street NW","address_2":"Suite 1100","address_3":null,"address_4":null,"city":"Washington","state":"DC","state_display":"District of Columbia","zip":"20006","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"RICHARD GOLD","contact_telephone":"+1 202-955-3000","dt_updated":"2026-07-30T20:48:41.410941-04:00"},"client":{"id":54249,"url":"https://lda.gov/api/v1/clients/54249/","client_id":54249,"name":"TRICON RESIDENTIAL INC.","general_description":"Real Estate","client_government_entity":null,"client_self_select":false,"state":"ON","state_display":"Ontario","country":"CA","country_display":"Canada","ppb_state":"ON","ppb_state_display":"Ontario","ppb_country":"CA","ppb_country_display":"Canada","effective_date":"2023-01-01"},"lobbying_activities":[{"general_issue_code":"FIN","general_issue_code_display":"Financial Institutions/Investments/Securities","description":"Issues related to housing policy, including H.R. 6644; issues related to the Federal Trade Commission proposed information collection request for single-family rental owner operators.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":141526,"prefix":"mr","prefix_display":"MR.","first_name":"GREGORY","nickname":null,"middle_name":"M","last_name":"LOUER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":141948,"prefix":null,"prefix_display":null,"first_name":"PARKER","nickname":null,"middle_name":null,"last_name":"REYNOLDS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":144310,"prefix":null,"prefix_display":null,"first_name":"ED","nickname":null,"middle_name":null,"last_name":"PERLMUTTER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":143071,"prefix":null,"prefix_display":null,"first_name":"ALISON","nickname":null,"middle_name":null,"last_name":"WRIGHT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152323,"prefix":null,"prefix_display":null,"first_name":"CHRISTOPHER","nickname":null,"middle_name":null,"last_name":"JAARDA","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":142775,"prefix":null,"prefix_display":null,"first_name":"DENNIS","nickname":null,"middle_name":null,"last_name":"POTTER","suffix":null,"suffix_display":null},"covered_position":null,"new":true}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":12,"name":"White House Office"}]},{"general_issue_code":"HOU","general_issue_code_display":"Housing","description":"Issues related to housing policy, including H.R. 6644; issues related to the Federal Trade Commission proposed information collection request for single-family rental owner operators.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":141526,"prefix":"mr","prefix_display":"MR.","first_name":"GREGORY","nickname":null,"middle_name":"M","last_name":"LOUER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":141948,"prefix":null,"prefix_display":null,"first_name":"PARKER","nickname":null,"middle_name":null,"last_name":"REYNOLDS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":143071,"prefix":null,"prefix_display":null,"first_name":"ALISON","nickname":null,"middle_name":null,"last_name":"WRIGHT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":144310,"prefix":null,"prefix_display":null,"first_name":"ED","nickname":null,"middle_name":null,"last_name":"PERLMUTTER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152323,"prefix":null,"prefix_display":null,"first_name":"CHRISTOPHER","nickname":null,"middle_name":null,"last_name":"JAARDA","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":142775,"prefix":null,"prefix_display":null,"first_name":"DENNIS","nickname":null,"middle_name":null,"last_name":"POTTER","suffix":null,"suffix_display":null},"covered_position":null,"new":true}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":12,"name":"White House Office"}]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]},{"url":"https://lda.gov/api/v1/filings/9af4b75f-3e16-4ef3-9f1f-87ec9f7d414f/","filing_uuid":"9af4b75f-3e16-4ef3-9f1f-87ec9f7d414f","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/9af4b75f-3e16-4ef3-9f1f-87ec9f7d414f/print/","filing_document_content_type":"text/html","income":"100000.00","expenses":null,"expenses_method":null,"expenses_method_display":null,"posted_by_name":"Richard M. Gold, Partner","dt_posted":"2026-04-08T14:28:36-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":null,"registrant_address_1":"800 17th Street NW","registrant_address_2":"Suite 1100","registrant_different_address":false,"registrant_city":"Washington","registrant_state":"DC","registrant_zip":"20006","registrant":{"id":18466,"url":"https://lda.gov/api/v1/registrants/18466/","house_registrant_id":30825,"name":"HOLLAND & KNIGHT LLP","description":"Law Firm","address_1":"800 17th Street NW","address_2":"Suite 1100","address_3":null,"address_4":null,"city":"Washington","state":"DC","state_display":"District of Columbia","zip":"20006","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"RICHARD GOLD","contact_telephone":"+1 202-955-3000","dt_updated":"2026-07-30T20:48:41.410941-04:00"},"client":{"id":54249,"url":"https://lda.gov/api/v1/clients/54249/","client_id":54249,"name":"TRICON RESIDENTIAL INC.","general_description":"Real Estate","client_government_entity":null,"client_self_select":false,"state":"ON","state_display":"Ontario","country":"CA","country_display":"Canada","ppb_state":"ON","ppb_state_display":"Ontario","ppb_country":"CA","ppb_country_display":"Canada","effective_date":"2023-01-01"},"lobbying_activities":[{"general_issue_code":"FIN","general_issue_code_display":"Financial Institutions/Investments/Securities","description":"Issues related to housing policy, including H.R. 6644; issues related to the Federal Trade Commission proposed information collection request for single-family rental owner operators.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":141526,"prefix":"mr","prefix_display":"MR.","first_name":"GREGORY","nickname":null,"middle_name":"M","last_name":"LOUER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":141948,"prefix":null,"prefix_display":null,"first_name":"PARKER","nickname":null,"middle_name":null,"last_name":"REYNOLDS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":144310,"prefix":null,"prefix_display":null,"first_name":"ED","nickname":null,"middle_name":null,"last_name":"PERLMUTTER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":143071,"prefix":null,"prefix_display":null,"first_name":"ALISON","nickname":null,"middle_name":null,"last_name":"WRIGHT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152323,"prefix":null,"prefix_display":null,"first_name":"CHRISTOPHER","nickname":null,"middle_name":null,"last_name":"JAARDA","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":142775,"prefix":null,"prefix_display":null,"first_name":"DENNIS","nickname":null,"middle_name":null,"last_name":"POTTER","suffix":null,"suffix_display":null},"covered_position":null,"new":true}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":12,"name":"White House Office"}]},{"general_issue_code":"HOU","general_issue_code_display":"Housing","description":"Issues related to housing policy, including H.R. 6644; issues related to the Federal Trade Commission proposed information collection request for single-family rental owner operators.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":141526,"prefix":"mr","prefix_display":"MR.","first_name":"GREGORY","nickname":null,"middle_name":"M","last_name":"LOUER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":141948,"prefix":null,"prefix_display":null,"first_name":"PARKER","nickname":null,"middle_name":null,"last_name":"REYNOLDS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":143071,"prefix":null,"prefix_display":null,"first_name":"ALISON","nickname":null,"middle_name":null,"last_name":"WRIGHT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":144310,"prefix":null,"prefix_display":null,"first_name":"ED","nickname":null,"middle_name":null,"last_name":"PERLMUTTER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152323,"prefix":null,"prefix_display":null,"first_name":"CHRISTOPHER","nickname":null,"middle_name":null,"last_name":"JAARDA","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":142775,"prefix":null,"prefix_display":null,"first_name":"DENNIS","nickname":null,"middle_name":null,"last_name":"POTTER","suffix":null,"suffix_display":null},"covered_position":null,"new":true}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":12,"name":"White House Office"}]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]},{"url":"https://lda.gov/api/v1/filings/14be8d97-14ba-41fe-aace-807ef92d1101/","filing_uuid":"14be8d97-14ba-41fe-aace-807ef92d1101","filing_type":"1A","filing_type_display":"1st Quarter - Amendment","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/14be8d97-14ba-41fe-aace-807ef92d1101/print/","filing_document_content_type":"text/html","income":null,"expenses":null,"expenses_method":"A","expenses_method_display":"A","posted_by_name":"Ursula L Jimenez","dt_posted":"2026-04-09T13:03:32-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":null,"registrant_address_1":"6500 RIVER PLACE BLVD","registrant_address_2":"BLDG 4 STE 101","registrant_different_address":false,"registrant_city":"AUSTIN","registrant_state":"TX","registrant_zip":"78730","registrant":{"id":401109183,"url":"https://lda.gov/api/v1/registrants/401109183/","house_registrant_id":56810,"name":"INDEPENDENT BANKERS ASSOCIATION OF TEXAS","description":null,"address_1":"6500 RIVER PLACE BLVD","address_2":"BLDG 4 STE 101","address_3":null,"address_4":null,"city":"AUSTIN","state":"TX","state_display":"Texas","zip":"78730","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"URSULA L JIMENEZ","contact_telephone":"+1 512-275-2220","dt_updated":"2026-07-09T12:53:42.044791-04:00"},"client":{"id":63897,"url":"https://lda.gov/api/v1/clients/63897/","client_id":63897,"name":"INDEPENDENT BANKERS ASSOCIATION OF TEXAS","general_description":"Nonprofit trade association representing the interests of community banks","client_government_entity":null,"client_self_select":true,"state":"TX","state_display":"Texas","country":"US","country_display":"United States of America","ppb_state":"TX","ppb_state_display":"Texas","ppb_country":"US","ppb_country_display":"United States of America","effective_date":"2025-01-01"},"lobbying_activities":[{"general_issue_code":"BAN","general_issue_code_display":"Banking","description":"GENUIS Act and stablecoin oversight discussions about possible requirements. FDIC Insurance Deposit Reform and its impact on community banks. Support H.R. 6955 Main Street Capital Access Act. Support HR 6644 Housing for the 21st Century Act. Letter suggesting statutory fix to HR 3633 Digital Asset Market CLARITY Act.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":148642,"prefix":null,"prefix_display":null,"first_name":"WENDY","nickname":null,"middle_name":null,"last_name":"FOSTER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":151528,"prefix":null,"prefix_display":null,"first_name":"MARY","nickname":null,"middle_name":"ELEN","last_name":"WILLIAMS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148641,"prefix":null,"prefix_display":null,"first_name":"CHRISTOPHER","nickname":null,"middle_name":null,"last_name":"WILLISTON","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]},{"url":"https://lda.gov/api/v1/filings/0a005f9a-7c13-4ec5-9ffa-6daf619730d3/","filing_uuid":"0a005f9a-7c13-4ec5-9ffa-6daf619730d3","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/0a005f9a-7c13-4ec5-9ffa-6daf619730d3/print/","filing_document_content_type":"text/html","income":"40000.00","expenses":null,"expenses_method":null,"expenses_method_display":null,"posted_by_name":"Robert Simpson","dt_posted":"2026-04-10T09:56:25-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":null,"registrant_address_1":"3222 N Street NW","registrant_address_2":"Suite 300","registrant_different_address":false,"registrant_city":"Washington","registrant_state":"DC","registrant_zip":"20007","registrant":{"id":401106355,"url":"https://lda.gov/api/v1/registrants/401106355/","house_registrant_id":null,"name":"LONGBOW PUBLIC POLICY GROUP, LLC","description":"Public Policy Firm","address_1":"3222 N Street NW","address_2":"Suite 300","address_3":null,"address_4":null,"city":"Washington","state":"DC","state_display":"District of Columbia","zip":"20007","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"ROBERT SIMPSON","contact_telephone":"+1 202-457-7756","dt_updated":"2026-07-26T20:42:27.372919-04:00"},"client":{"id":213465,"url":"https://lda.gov/api/v1/clients/213465/","client_id":51,"name":"SIGNATORY WALL AND CEILING CONTRACTORS ALLIANCE","general_description":"National alliance of signatory wall and ceiling contractors.","client_government_entity":null,"client_self_select":false,"state":"MN","state_display":"Minnesota","country":"US","country_display":"United States of America","ppb_state":"MN","ppb_state_display":"Minnesota","ppb_country":"US","ppb_country_display":"United States of America","effective_date":"2022-01-01"},"lobbying_activities":[{"general_issue_code":"BUD","general_issue_code_display":"Budget/Appropriations","description":"H.R. 7148, the Consolidated Appropriations Act, legislation making further consolidated appropriations for the fiscal year ending September 30, 2026; Division B-Departments of Labor, Health and Human Services, and Education, and Related Agencies Appropriations Act, 2026, Title I, Department of Labor, Wage and Hour Division, Occupational Safety and Health Administration, Employee Benefits Security Administration, and Employment and Training Administration.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":118394,"prefix":null,"prefix_display":null,"first_name":"ANDREW","nickname":null,"middle_name":null,"last_name":"SIFF","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[]},{"general_issue_code":"GOV","general_issue_code_display":"Government Issues","description":"H.R. 5235, the \"Skills-Based Federal Contracting Act,\" a bill to amend title 41, United States Code, to prohibit minimum educational requirements for proposed contractor personnel in certain contract solicitations; entire bill. Department of Defense, General Services Administration, and National Aeronautics and Space Administration (Federal Acquisition Regulatory Council) final rule entitled, FAR Case 2022-003, Use of Project Labor Agreement for Federal Construction Projects (88 FR 88708, December 22, 2023). Ongoing implementation of Executive Order 14063, Use of Project Labor Agreements for Federal Construction Projects (87 FR 7363, January 9, 2022). Legislative proposal to establish requirements for the termination of project authorizations, the completion and coordination of reviews for authorizations, and judicial review of actions relating to authorizations (no bill introduced). General education concerning the cost-effectiveness of project labor agreements. General education on the need to provide certainty in federal permitting decisions. Implementation of Executive Office of the President (EOP), Executive Order 14398 entitled, Efforts to Address Diversity, Equity, and Inclusion Discrimination by Federal Contractors (91 FR 16147, March 31, 2026).","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":118394,"prefix":null,"prefix_display":null,"first_name":"ANDREW","nickname":null,"middle_name":null,"last_name":"SIFF","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":118393,"prefix":null,"prefix_display":null,"first_name":"CHRIS","nickname":null,"middle_name":null,"last_name":"GRANBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":139125,"prefix":"mr","prefix_display":"MR.","first_name":"ROBERT","nickname":null,"middle_name":"P","last_name":"SIMPSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":65,"name":"General Services Administration (GSA)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":38,"name":"Labor, Dept of (DOL)"},{"id":1,"name":"SENATE"},{"id":40,"name":"Transportation, Dept of (DOT)"},{"id":12,"name":"White House Office"}]},{"general_issue_code":"HOU","general_issue_code_display":"Housing","description":"H.R. 6644, the 21st Century ROAD to Housing Act, a bill to increase the supply of housing in America; provisions related to federal labor standards, prevailing wage requirements, and reforms to environmental reviews under the National Environmental Policy Act. S. 2651, the ROAD to Housing Act, legislation to increase the supply of affordable housing in America; provisions related to federal labor standards, prevailing wage requirements, and reforms to environmental reviews under the National Environmental Policy Act","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":118394,"prefix":null,"prefix_display":null,"first_name":"ANDREW","nickname":null,"middle_name":null,"last_name":"SIFF","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":118393,"prefix":null,"prefix_display":null,"first_name":"CHRIS","nickname":null,"middle_name":null,"last_name":"GRANBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"LBR","general_issue_code_display":"Labor Issues/Antitrust/Workplace","description":"H.R. 4366, the Save Local Business Act, legislation to clarify the treatment of two or more employers as joint employers under the National Labor Relations Act and the Fair Labor Standards Act of 1938; entire bill. Occupational Safety and Health Administration (OSHA) proposed rule entitled, Heat Injury and Illness Prevention in Outdoor and Indoor Work Settings (89 FR 70698, August 30, 2024). Employment and Training Administration (ETA) proposed rule entitled, Prohibiting Illegal Discrimination in Registered Apprenticeship Programs (90 FR 28947, July 2, 2025). Executive Office of the President, Executive Order 14278, Preparing Americans for High-Paying Skilled Trade Jobs of the Future (90 FR 17525, April 28, 2025). Wage and Hour Division proposed rule entitled, Employee or Independent Contractor Status Under the Fair Labor Standards Act, Family and Medical Leave Act, and Migrant and Seasonal Agricultural Worker Protection Act (91 FR 9932, February 27, 2026). Education Department proposed rule entitled, Accountability in Higher Education and Access Through Demand-Driven Workforce Pell: Pell Grant Exclusion Relating to Other Grant Aid; and Workforce Pell Grants (91 FR 11378, March 9, 2026). General education concerning Davis-Bacon federal prevailing wage. General education concerning Project Labor Agreements.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":118394,"prefix":null,"prefix_display":null,"first_name":"ANDREW","nickname":null,"middle_name":null,"last_name":"SIFF","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":118393,"prefix":null,"prefix_display":null,"first_name":"CHRIS","nickname":null,"middle_name":null,"last_name":"GRANBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":139125,"prefix":"mr","prefix_display":"MR.","first_name":"ROBERT","nickname":null,"middle_name":"P","last_name":"SIMPSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":32,"name":"Education, Dept of"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":38,"name":"Labor, Dept of (DOL)"},{"id":167,"name":"Occupational Safety & Health Administration (OSHA)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"RET","general_issue_code_display":"Retirement","description":"H.R. 2988, the Protecting Prudent Investment of Retirement Savings Act, legislation to amend the Employee Retirement Income Security Act of 1974 to specify requirements concerning the consideration of pecuniary and non-pecuniary factors; entire bill. Pension Benefit Guaranty Corporation proposed rule entitled, Actuarial Assumptions for Determining an Employers Withdrawal Liability (87 FR 62316, October 14, 2022).","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":118394,"prefix":null,"prefix_display":null,"first_name":"ANDREW","nickname":null,"middle_name":null,"last_name":"SIFF","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":38,"name":"Labor, Dept of (DOL)"},{"id":85,"name":"Pension Benefit Guaranty Corporation (PBGC)"}]},{"general_issue_code":"DEF","general_issue_code_display":"Defense","description":"Implementation of section 2851 of the National Defense Authorization Act for Fiscal Year 2024, Guidance on Department of Defense-wide standards for access to military installations.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":118393,"prefix":null,"prefix_display":null,"first_name":"CHRIS","nickname":null,"middle_name":null,"last_name":"GRANBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"}]},{"general_issue_code":"TAX","general_issue_code_display":"Taxation/Internal Revenue Code","description":"H.R. 7115, the Jumpstart Savings Act, legislation to amend the Internal Revenue Code of 1986 to establish Jumpstart Programs for saving for apprenticeship and trade occupation training; entire bill. Implementation of H.R. 1, the One Big, Beautiful Bill Act, legislation to provide for reconciliation pursuant to title II of H. Con. Res. 14; Title VII (Finance), Subtitle A (Tax), Section 70202, \"No tax on overtime.\" Internal Revenue Service, Notice 2026-11, Interim Guidance on Additional First Year Depreciation under Section 168(k).","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":118394,"prefix":null,"prefix_display":null,"first_name":"ANDREW","nickname":null,"middle_name":null,"last_name":"SIFF","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":118393,"prefix":null,"prefix_display":null,"first_name":"CHRIS","nickname":null,"middle_name":null,"last_name":"GRANBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":41,"name":"Treasury, Dept of"}]},{"general_issue_code":"TRA","general_issue_code_display":"Transportation","description":"General education on the inclusion of broad permitting reform in the upcoming Surface Transportation Reauthorization (no bill introduced).","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":118394,"prefix":null,"prefix_display":null,"first_name":"ANDREW","nickname":null,"middle_name":null,"last_name":"SIFF","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":118393,"prefix":null,"prefix_display":null,"first_name":"CHRIS","nickname":null,"middle_name":null,"last_name":"GRANBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"}]},{"general_issue_code":"ENV","general_issue_code_display":"Environment/Superfund","description":"H.R. 4776, the Standardizing Permitting and Expediting Economic Development (SPEED) Act, legislation to amend the National Environmental Policy Act of 1969 to clarify ambiguous provisions and facilitate a more efficient, effective, and timely environmental review process; entire bill. General education regarding the need to reform the National Environmental Policy Act and other federal permitting processes to facilitate infrastructure and energy development projects.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":118394,"prefix":null,"prefix_display":null,"first_name":"ANDREW","nickname":null,"middle_name":null,"last_name":"SIFF","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":118393,"prefix":null,"prefix_display":null,"first_name":"CHRIS","nickname":null,"middle_name":null,"last_name":"GRANBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":139125,"prefix":"mr","prefix_display":"MR.","first_name":"ROBERT","nickname":null,"middle_name":"P","last_name":"SIMPSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":1,"name":"SENATE"}]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]},{"url":"https://lda.gov/api/v1/filings/3c65affe-253c-4cfe-9276-fec85ad2cd42/","filing_uuid":"3c65affe-253c-4cfe-9276-fec85ad2cd42","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/3c65affe-253c-4cfe-9276-fec85ad2cd42/print/","filing_document_content_type":"text/html","income":"40000.00","expenses":null,"expenses_method":null,"expenses_method_display":null,"posted_by_name":"Robert Simpson","dt_posted":"2026-04-10T10:05:22-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":null,"registrant_address_1":"3222 N Street NW","registrant_address_2":"Suite 300","registrant_different_address":false,"registrant_city":"Washington","registrant_state":"DC","registrant_zip":"20007","registrant":{"id":401106355,"url":"https://lda.gov/api/v1/registrants/401106355/","house_registrant_id":null,"name":"LONGBOW PUBLIC POLICY GROUP, LLC","description":"Public Policy Firm","address_1":"3222 N Street NW","address_2":"Suite 300","address_3":null,"address_4":null,"city":"Washington","state":"DC","state_display":"District of Columbia","zip":"20007","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"ROBERT SIMPSON","contact_telephone":"+1 202-457-7756","dt_updated":"2026-07-26T20:42:27.372919-04:00"},"client":{"id":57919,"url":"https://lda.gov/api/v1/clients/57919/","client_id":57919,"name":"SIFF & ASSOCIATES, PLLC (OBO THE MECHANICAL CONTRACTORS ASSOCIATION OF AMERICA)","general_description":"Law firm","client_government_entity":null,"client_self_select":false,"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":"2023-11-01"},"lobbying_activities":[{"general_issue_code":"BUD","general_issue_code_display":"Budget/Appropriations","description":"H.R. 7148, the \"Consolidated Appropriations Act, 2026,\" a bill to make further consolidated appropriations for the fiscal year ending September 30, 2026, Division B, Departments of Labor, Health and Human Services, and Education, and Related Agencies Appropriations Act, 2026. Legislative proposals to provide appropriations for fiscal year 2027 for the Departments of Labor and Energy (no bills introduced). General education regarding legislative proposals to provide for reconciliation under a concurrent budget resolution; provisions related to federal prevailing wage, project labor agreements, registered apprenticeship, and federal permitting (no bill introduced).","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":118394,"prefix":null,"prefix_display":null,"first_name":"ANDREW","nickname":null,"middle_name":null,"last_name":"SIFF","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"CAW","general_issue_code_display":"Clean Air and Water (quality)","description":"Environmental Protection Agency proposed rule on Perfluoroalkyl and Polyfluoroalkyl Substances (PFAS) Data Reporting and Recordkeeping Under the Toxic Substances Control Act (TSCA); Revision to Regulation (90 FR 50923, November 13, 2025). Implementation of the American Innovation and Manufacturing (AIM) Act of 2020; provisions regarding the phase down of the production and consumption of listed HFCs, managing these HFCs and their substitutes, and facilitating the transition to next-generation technologies through sector-based restrictions. Legislative proposals to reauthorize programs under the Water Resources Development Act (no bill introduced). General education concerning the need to reconsider federal decarbonization initiatives to ensure adequate energy generation for the reshoring of American manufacturing and the build out of data centers.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":118394,"prefix":null,"prefix_display":null,"first_name":"ANDREW","nickname":null,"middle_name":null,"last_name":"SIFF","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":118393,"prefix":null,"prefix_display":null,"first_name":"CHRIS","nickname":null,"middle_name":null,"last_name":"GRANBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":33,"name":"Energy, Dept of"},{"id":49,"name":"Environmental Protection Agency (EPA)"}]},{"general_issue_code":"ENG","general_issue_code_display":"Energy/Nuclear","description":"H.R. 4626, Dont Mess with My Home Appliances Act, a bill to amend the Energy Policy and Conservation Act to prohibit the Secretary of Energy from prescribing any new or amended energy conservation standard for a product that is not technologically feasible and economically justified; entire bill. S. 2975, the Pipeline Integrity, Protection, and Enhancement for Leveraging Investments in the Nations Energy to assure Safety (PIPELINE Safety) Act, legislation to reauthorize the Pipeline and Hazardous Materials Safety Agency and amend title 49, United States Code, to enhance the safety of pipeline transportation; entire bill. H.R. 7977, A bill to provide relief from high energy bills, revive clean energy tax credits, create a tax credit to build out energy grid transmission infrastructure, speed permitting of clean energy projects, and encourage use of public lands to develop clean energy; entire bill. Implementation of the ADVANCE Act of 2024, Pub. Law. 118-67, Division B (July 9, 2024).","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":118394,"prefix":null,"prefix_display":null,"first_name":"ANDREW","nickname":null,"middle_name":null,"last_name":"SIFF","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":118393,"prefix":null,"prefix_display":null,"first_name":"CHRIS","nickname":null,"middle_name":null,"last_name":"GRANBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":33,"name":"Energy, Dept of"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":78,"name":"Nuclear Regulatory Commission (NRC)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"ENV","general_issue_code_display":"Environment/Superfund","description":"H.R. 4593, the Saving Homeowners from Overregulation With Exceptional Rinsing (SHOWER) Act, a bill to amend the Energy Policy and Conservation Act to revise the definition of showerhead; entire bill. Environmental Protection Agency, Army Corps of Engineers proposed rule on Updated Definition of Waters of the United States (90 FR 52498, November 20, 2025).","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":118394,"prefix":null,"prefix_display":null,"first_name":"ANDREW","nickname":null,"middle_name":null,"last_name":"SIFF","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":118393,"prefix":null,"prefix_display":null,"first_name":"CHRIS","nickname":null,"middle_name":null,"last_name":"GRANBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":49,"name":"Environmental Protection Agency (EPA)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"GOV","general_issue_code_display":"Government Issues","description":"H.R. 4776, the Standardizing Permitting and Expediting Economic Development (SPEED) Act, legislation to amend the National Environmental Policy Act of 1969 to clarify ambiguous provisions and facilitate a more efficient, effective, and timely environmental review process; entire bill. H.R. 4615, the Small Business Payment for Performance Act, legislation to amend the Small Business Act to provide interim partial payment to small business contractors that request an equitable adjustment due to a change in the terms of a construction contract; entire bill. H.R. 1285, the \"Water Infrastructure Subcontractor and Taxpayer Protection Act, legislation to amend theWaterInfrastructureFinanceandInnovationActof 2014 to establish paymentandperformance security requirements for project; entire bill. S. 570, the \"Water Infrastructure Subcontractor and Taxpayer Protection Act,\" legislation to amend the Water Infrastructure Finance and Innovation Act of 2014 to establish payment and performance security requirements for projects; entire bill. H.R. 3548, the Infrastructure Expansion Act of 2025, a bill to preclude absolute liability in any action against a property owner or contractor for projects receiving Federal financial assistance for infrastructure and transportation development; entire bill and proposed amendment to legislation reauthorizing surface transportation programs. Legislative proposal to amend the Small Business Act to provide interim partial payment to small business contractors that request an equitable adjustment due to a change in the terms of a construction contract (no bill introduced). Legislative proposal to establish requirements for the termination of project authorizations, the completion and coordination of reviews for authorizations, and judicial review of actions relating to authorizations (no bill introduced). Legislative proposals to revise and streamline federal permitting processes. Legislative proposal to authorize a categorical exclusion under the National Environmental Policy Act for defense readiness activities, including the development of data centers and related energy infrastructure on property controlled by the Departments of War and Energy (no bill introduced). General education regarding the need to reform the National Environmental Policy Act and other federal permitting processes to facilitate infrastructure and energy development projects. Ongoing implementation of Executive Order 14063, Use of Project Labor Agreements for Federal Construction Projects\" (87 FR 7363, January 9, 2022).","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":118394,"prefix":null,"prefix_display":null,"first_name":"ANDREW","nickname":null,"middle_name":null,"last_name":"SIFF","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":118393,"prefix":null,"prefix_display":null,"first_name":"CHRIS","nickname":null,"middle_name":null,"last_name":"GRANBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":139125,"prefix":"mr","prefix_display":"MR.","first_name":"ROBERT","nickname":null,"middle_name":"P","last_name":"SIMPSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":12,"name":"White House Office"}]},{"general_issue_code":"HOU","general_issue_code_display":"Housing","description":"H.R. 6644, the 21st Century ROAD to Housing Act, a bill to increase the supply of housing in America; provisions related to federal labor standards, prevailing wage requirements, and reforms to environmental reviews under the National Environmental Policy Act.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":118394,"prefix":null,"prefix_display":null,"first_name":"ANDREW","nickname":null,"middle_name":null,"last_name":"SIFF","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":118393,"prefix":null,"prefix_display":null,"first_name":"CHRIS","nickname":null,"middle_name":null,"last_name":"GRANBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"}]},{"general_issue_code":"LAW","general_issue_code_display":"Law Enforcement/Crime/Criminal Justice","description":"S. 3305, the Curtailing Litigation Excess and Abuse Reform Act of 2025, legislation to preclude repeat litigation involving energy projects; entire bill. H.R. 6352, the Curtailing Litigation Excess and Abuse Reform Act of 2025, legislation to preclude repeat litigation involving energy projects; entire bill.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":118394,"prefix":null,"prefix_display":null,"first_name":"ANDREW","nickname":null,"middle_name":null,"last_name":"SIFF","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"LBR","general_issue_code_display":"Labor Issues/Antitrust/Workplace","description":"H.R. 4366, the Save Local Business Act, legislation to clarify the treatment of two or more employers as joint employers under the National Labor Relations Act and the Fair Labor Standards Act of 1938; entire bill. H.R. 1319, the Modern Worker Empowerment Act, legislation to amend the Fair Labor Standards Act of 1938 and the National Labor Relations Act to clarify the standard for determining whether an individual is an employee, and for other purposes; entire bill. S. 2228, the Modern Worker Empowerment Act, legislation to amend the Fair Labor Standards Act of 1938 to harmonize the definition of employee with the common law; entire bill. H.R. 1783, the \"American Apprenticeship Act,\" a bill to assist States in, and pay for the Federal share of the cost of, defraying the cost of pre-apprenticeships or related instruction associated with qualified apprenticeship programs; entire bill. Employee or Independent Contractor Status Under the Fair Labor Standards Act, Family and Medical Leave Act, and Migrant and Seasonal Agricultural Worker Protection Act (91 FR 9932, February 27, 2026). Department of Education proposed rule, Accountability in Higher Education and Access through Demand-Driven Workforce Pell: Pell Grant Exclusion Relating to Other Grand Aid; and Workforce Pell Grants (91 FR 11378, March 9, 2026). Federal Trade Commission final rule removing its Non-Compete Clause Rule (Non-Compete Rule) from the Code of Federal Regulations (91 FR 6507, February 12, 2026). Implementation of Executive Order 14267 Reducing Anti-Competitive Regulatory Barriers and DOJ Anti-Competitive Regulations Task Force (April 9, 2025). Standards governing the classification of workers in the construction and mechanical contracting industry under the Fair Labor Standards Act. General education concerning federal prevailing wage. General education concerning project labor agreements. General education concerning registered apprenticeship.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":118394,"prefix":null,"prefix_display":null,"first_name":"ANDREW","nickname":null,"middle_name":null,"last_name":"SIFF","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":118393,"prefix":null,"prefix_display":null,"first_name":"CHRIS","nickname":null,"middle_name":null,"last_name":"GRANBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":32,"name":"Education, Dept of"},{"id":64,"name":"Federal Trade Commission (FTC)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":37,"name":"Justice, Dept of (DOJ)"},{"id":38,"name":"Labor, Dept of (DOL)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"SCI","general_issue_code_display":"Science/Technology","description":"H.R. 5100, a bill to reauthorize through FY2026 the Small Business Innovation Research program, the Small Business Technology Transfer program, and related pilot programs; entire bill. S. 3971, the \"Small Business Innovation and Economic Security Act,\" a bill to extend the the Small Business Innovation Research program and the Small Business Technology Transfer program; entire bill. S. 4214, the \"Artificial Intelligence Data Center Moratorium Act,\" a bill to impose a moratorium on the construction of new data centers until legislation is enacted regulating artificial intelligence; entire bill.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":118394,"prefix":null,"prefix_display":null,"first_name":"ANDREW","nickname":null,"middle_name":null,"last_name":"SIFF","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":118393,"prefix":null,"prefix_display":null,"first_name":"CHRIS","nickname":null,"middle_name":null,"last_name":"GRANBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":1,"name":"SENATE"}]},{"general_issue_code":"TAX","general_issue_code_display":"Taxation/Internal Revenue Code","description":"H.R. 7115, the Jumpstart Savings Act, a bill to amend the Internal Revenue Code of 1986 to establish Jumpstart Programs for saving for apprenticeship and trade occupation training; entire bill. Implementation of H.R. 1, the One Big, Beautiful Bill Act, legislation to provide for reconciliation pursuant to title II of H. Con. Res. 14; Title VII (Finance), Subtitle A (Tax); section 70201 \"No tax on tips\" related to HVAC technicians, appliance installers, and home plumbers; and Sec. 70202, \"No tax on overtime.\"","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":118394,"prefix":null,"prefix_display":null,"first_name":"ANDREW","nickname":null,"middle_name":null,"last_name":"SIFF","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":118393,"prefix":null,"prefix_display":null,"first_name":"CHRIS","nickname":null,"middle_name":null,"last_name":"GRANBERG","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":41,"name":"Treasury, Dept of"}]}],"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/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/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/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/e7c1f8b4-4155-470d-af02-bfb288a58492/","filing_uuid":"e7c1f8b4-4155-470d-af02-bfb288a58492","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/e7c1f8b4-4155-470d-af02-bfb288a58492/print/","filing_document_content_type":"text/html","income":null,"expenses":"1011072.00","expenses_method":"C","expenses_method_display":"C","posted_by_name":"Cassie Hukkeri","dt_posted":"2026-04-13T15:33:46-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":null,"registrant_address_1":"801 Pennsylvania Avenue, NW","registrant_address_2":"Suite 720","registrant_different_address":false,"registrant_city":"WASHINGTON","registrant_state":"DC","registrant_zip":"20004","registrant":{"id":28435,"url":"https://lda.gov/api/v1/registrants/28435/","house_registrant_id":30694,"name":"REAL ESTATE ROUNDTABLE","description":null,"address_1":"801 Pennsylvania Avenue, NW","address_2":"Suite 720","address_3":null,"address_4":null,"city":"WASHINGTON","state":"DC","state_display":"District of Columbia","zip":"20004","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"ASHLEY BEHELER","contact_telephone":"+1 202-639-8400","dt_updated":"2026-07-30T11:59:37.048889-04:00"},"client":{"id":134531,"url":"https://lda.gov/api/v1/clients/134531/","client_id":12,"name":"REAL ESTATE ROUNDTABLE","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":"2007-08-14"},"lobbying_activities":[{"general_issue_code":"BAN","general_issue_code_display":"Banking","description":"GSE Reform/Housing Bills (2651, MR6644) Dodd Frank Regulations (Volker Rule, Credit Risk Retention, OTC Derivatives) H.R. 4640, S. 2155 Basel III, Liquidity Coverage Ration, HVCRE Rule, S. 2155, Basel III Endgame Terrorism Risk Insurance (TRIA Reauthorization) Flood Insurance (NFIP Reauthorization) CFIUS Reform (FIRRMA) Beneficial Ownership, Corporate Transparency Act, Enablers Act Bank Secrecy Act (BSA) Cyber Security (H.R. 3776, H.R. 3359) Current Expected Credit Losses (CECL) Cannabis Issues, Safe Banking Act (H.R. 1595) LIBOR Reform Nat Cat Risk Insurance Mark to Market Accounting Forbearance Issues Stimulus Legislation Liability Reform Troubled Debt Restructuring (TDR) SEC Proposed Rules on: Amendments to Form PF, Private Fund Advisers, Cybersecurity Risk Management SEC Custody Rule Federal guidelines for voluntary carbon markets FSOC Guidance on Non Bank Financial Institutions Enhanced Supplementary Leverage Ratio Standards (ESLR)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":40789,"prefix":null,"prefix_display":null,"first_name":"JEFFREY","nickname":null,"middle_name":"D","last_name":"DEBOER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":40717,"prefix":null,"prefix_display":null,"first_name":"CLIFTON","nickname":null,"middle_name":"E","last_name":"RODGERS","suffix":"jr","suffix_display":"JR"},"covered_position":null,"new":false},{"lobbyist":{"id":51631,"prefix":"mr","prefix_display":"MR.","first_name":"DUANE","nickname":null,"middle_name":"JOSEPH","last_name":"DESIDERIO","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":59125,"prefix":null,"prefix_display":null,"first_name":"RYAN","nickname":null,"middle_name":"P.","last_name":"MCCORMICK","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":45,"name":"Commodity Futures Trading Commission (CFTC)"},{"id":233,"name":"Federal Accounting Standards Advisory Board (FASAB)"},{"id":57,"name":"Federal Housing Finance Agency (FHFA)"},{"id":62,"name":"Federal Reserve System"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":183,"name":"Office of the Comptroller of the Currency (OCC)"},{"id":88,"name":"Securities & Exchange Commission (SEC)"},{"id":1,"name":"SENATE"},{"id":41,"name":"Treasury, Dept of"}]},{"general_issue_code":"ENG","general_issue_code_display":"Energy/Nuclear","description":"Energy Tax issues; Matters related to EPA Energy Star Program; DOE Better Buildings Initiatives; DOE Loan Guarantee Program; and EPA eGRID program; Energy Consumption Data and Building Rating Issues; Indoor Air Quality issues; AIM Act HFC transition phasedown; DOE Grants to States and Localities for Building Performance Standards; Matters regarding electricity supply and availability; Data Center energy disclosures.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":40789,"prefix":null,"prefix_display":null,"first_name":"JEFFREY","nickname":null,"middle_name":"D","last_name":"DEBOER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":40717,"prefix":null,"prefix_display":null,"first_name":"CLIFTON","nickname":null,"middle_name":"E","last_name":"RODGERS","suffix":"jr","suffix_display":"JR"},"covered_position":null,"new":false},{"lobbyist":{"id":51631,"prefix":"mr","prefix_display":"MR.","first_name":"DUANE","nickname":null,"middle_name":"JOSEPH","last_name":"DESIDERIO","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":59125,"prefix":null,"prefix_display":null,"first_name":"RYAN","nickname":null,"middle_name":"P.","last_name":"MCCORMICK","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":33,"name":"Energy, Dept of"},{"id":49,"name":"Environmental Protection Agency (EPA)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"FIN","general_issue_code_display":"Financial Institutions/Investments/Securities","description":"Credit Risk Retention OTC Derivatives Basel III, Liquidity Coverage Ration, HVCRE Rule, FRTB, Basel III Endgame Flood Insurance; Terrorism Risk Insurance; Natural Catastrophe Risk Insurance CFIUS Reform (FIRRMA) Beneficial Ownership, Corporate Transparency Act, ENABLERS Act Cyber Security (H.R. 3776, H.R. 3359); Cyber Insurance Current Expected Credit Losses (CECL) LIBOR Reform Forbearance Issues Emergency Rental Assistance for Residential Business Tenants (e.g., H.R. 7301) Restart Act (S. 3814) Corporate Governance Through Diversity Act (H.R. 1018, S. 360) Pandemic Risk Insurance Troubled Deb Restructuring (TDR) CECL Reg S-K Reform SEC Proposed Rules on: Amendments to Form PF, Private Fund Advisers, Cybersecurity Risk Management SEC Custody Rule Enhanced Supplementary Leverage Ratio (ESLR) FSOC Guidance on Non Bank Financial Institutions GSE Reform Housing Legislation","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":40789,"prefix":null,"prefix_display":null,"first_name":"JEFFREY","nickname":null,"middle_name":"D","last_name":"DEBOER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":40717,"prefix":null,"prefix_display":null,"first_name":"CLIFTON","nickname":null,"middle_name":"E","last_name":"RODGERS","suffix":"jr","suffix_display":"JR"},"covered_position":null,"new":false},{"lobbyist":{"id":59125,"prefix":null,"prefix_display":null,"first_name":"RYAN","nickname":null,"middle_name":"P.","last_name":"MCCORMICK","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":51631,"prefix":"mr","prefix_display":"MR.","first_name":"DUANE","nickname":null,"middle_name":"JOSEPH","last_name":"DESIDERIO","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":45,"name":"Commodity Futures Trading Commission (CFTC)"},{"id":54,"name":"Federal Deposit Insurance Corporation (FDIC)"},{"id":62,"name":"Federal Reserve System"},{"id":183,"name":"Office of the Comptroller of the Currency (OCC)"},{"id":88,"name":"Securities & Exchange Commission (SEC)"},{"id":41,"name":"Treasury, Dept of"}]},{"general_issue_code":"IMM","general_issue_code_display":"Immigration","description":"EB-5 Immigrant Investor Reform and Implementation, Gold Card proposal","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":40789,"prefix":null,"prefix_display":null,"first_name":"JEFFREY","nickname":null,"middle_name":"D","last_name":"DEBOER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":51631,"prefix":"mr","prefix_display":"MR.","first_name":"DUANE","nickname":null,"middle_name":"JOSEPH","last_name":"DESIDERIO","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":201,"name":"Homeland Security, Dept of (DHS)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"INS","general_issue_code_display":"Insurance","description":"Terrorism Risk Insurance (TRIA Reauthorization) National Catastrophic Risk Insurance Flood Insurance (NFIP Reauthorization) LIBOR Reform Beneficial Ownership, Corporate Transparency Act CFIUS Issues Cyber Insurance Economic Recovery Liability Reform Troubled Debt Restructuring (TDR) CECL CIRCIA Reporting Requirements CFIUS NPRM on foreign investment in US real estate GSE Reform","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":40789,"prefix":null,"prefix_display":null,"first_name":"JEFFREY","nickname":null,"middle_name":"D","last_name":"DEBOER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":40717,"prefix":null,"prefix_display":null,"first_name":"CLIFTON","nickname":null,"middle_name":"E","last_name":"RODGERS","suffix":"jr","suffix_display":"JR"},"covered_position":null,"new":false}],"government_entities":[{"id":201,"name":"Homeland Security, Dept of (DHS)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":41,"name":"Treasury, Dept of"},{"id":12,"name":"White House Office"}]},{"general_issue_code":"HOM","general_issue_code_display":"Homeland Security","description":"Model Standard for Private Sector Emergency Preparedness Information Sharing and Resilience Cyber Security CISPA Cyber Intelligence Sharing and Protection Act Cybersecurity (H.R. 3359, H.R. 3776) Beneficial Ownership, Corporate Transparency Act Bank Secrecy Act (BSA) Geographic Tracking Orders (GTO) CFIUS Issues Nat Cat Risk CFIUS NPRM on foreign investment","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":40717,"prefix":null,"prefix_display":null,"first_name":"CLIFTON","nickname":null,"middle_name":"E","last_name":"RODGERS","suffix":"jr","suffix_display":"JR"},"covered_position":null,"new":false},{"lobbyist":{"id":40789,"prefix":null,"prefix_display":null,"first_name":"JEFFREY","nickname":null,"middle_name":"D","last_name":"DEBOER","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":215,"name":"Director of National Intelligence (ODNI)"},{"id":150,"name":"Federal Bureau of Investigation (FBI)"},{"id":201,"name":"Homeland Security, Dept of (DHS)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"LBR","general_issue_code_display":"Labor Issues/Antitrust/Workplace","description":"Fiduciary Rule; Davis-Bacon, prevailing wage, and apprenticeship matters.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":40789,"prefix":null,"prefix_display":null,"first_name":"JEFFREY","nickname":null,"middle_name":"D","last_name":"DEBOER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":40717,"prefix":null,"prefix_display":null,"first_name":"CLIFTON","nickname":null,"middle_name":"E","last_name":"RODGERS","suffix":"jr","suffix_display":"JR"},"covered_position":null,"new":false},{"lobbyist":{"id":51631,"prefix":"mr","prefix_display":"MR.","first_name":"DUANE","nickname":null,"middle_name":"JOSEPH","last_name":"DESIDERIO","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":59125,"prefix":null,"prefix_display":null,"first_name":"RYAN","nickname":null,"middle_name":"P.","last_name":"MCCORMICK","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":38,"name":"Labor, Dept of (DOL)"},{"id":1,"name":"SENATE"},{"id":12,"name":"White House Office"}]},{"general_issue_code":"TAX","general_issue_code_display":"Taxation/Internal Revenue Code","description":"\"Carried Interest Fairness Act\" and carried interest reform, including changes in holding period Energy efficiency and clean energy tax incentives, and regulatory implementation Like-Kind Exchanges (Sec. 1031) Equal Tax Act (H.R. 5336) FIRPTA reform and Parity for Non-Traded REITS Act Net investment income tax and SECA liability Cost recovery, residential rental property, nonresidential property, and bonus depreciation Low-income housing tax credit and the Affordable Housing Credit Improvement Act Proposed and final tax regulations under section 897 (FIRPTA domestically controlled REIT rules) 892 (Foreign government tax exemption), including proposed regulations REIT rules, including investments in related parties Capital gains tax rate 20% deduction for pass-through business income (section 199A) and tax rules on pass-through income, including the PARTNERSHIPS Act (s. 2095) and Basis Shifting is a Rip Off Act (S. 2094) Opportunity Zone reform, reporting, and transition rules Revitalizing Downtowns and Main Streets Act and tax incentives for property conversions (HR 9002) Business interest deductibility, section 163(j), and the real property trade or business election, including guidance related to modifying prior elections Active loss limitation and section 461(l)(Excess Business Losses) SECA limited partner exception under section 1402(a)(13) Immediate expensing of qualified production property Retaliatory Tax Measures and Proposed Section 899 Tax treatment of demolition costs and demolished buildings American Homeowner Act (S. 3904) regarding taxation of single-family rental homes and institutional owners of housing Wealth tax proposals, including H.R. 8085","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":40789,"prefix":null,"prefix_display":null,"first_name":"JEFFREY","nickname":null,"middle_name":"D","last_name":"DEBOER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":40717,"prefix":null,"prefix_display":null,"first_name":"CLIFTON","nickname":null,"middle_name":"E","last_name":"RODGERS","suffix":"jr","suffix_display":"JR"},"covered_position":null,"new":false},{"lobbyist":{"id":51631,"prefix":"mr","prefix_display":"MR.","first_name":"DUANE","nickname":null,"middle_name":"JOSEPH","last_name":"DESIDERIO","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":59125,"prefix":null,"prefix_display":null,"first_name":"RYAN","nickname":null,"middle_name":"P.","last_name":"MCCORMICK","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"},{"id":40,"name":"Transportation, Dept of (DOT)"},{"id":41,"name":"Treasury, Dept of"},{"id":12,"name":"White House Office"}]},{"general_issue_code":"TRA","general_issue_code_display":"Transportation","description":"Infrastructure finance issues (e.g., repatriation, Highway Trust Fund) Public-Private Partnerships TIFIA/RRIF loans to support transit-oriented development and property conversions Permitting requirements (e.g., NEPA) Transportation matters in the Bipartisan Infrastructure Law","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":40789,"prefix":null,"prefix_display":null,"first_name":"JEFFREY","nickname":null,"middle_name":"D","last_name":"DEBOER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":51631,"prefix":"mr","prefix_display":"MR.","first_name":"DUANE","nickname":null,"middle_name":"JOSEPH","last_name":"DESIDERIO","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":59125,"prefix":null,"prefix_display":null,"first_name":"RYAN","nickname":null,"middle_name":"P.","last_name":"MCCORMICK","suffix":null,"suffix_display":null},"covered_position":null,"new":true}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":40,"name":"Transportation, Dept of (DOT)"}]},{"general_issue_code":"HOU","general_issue_code_display":"Housing","description":"GSE Reform Bills LIHTC Improvements: Affordable Housing Credit Improvement Act (S. 1703, H.R. 3077); Middle Income Housing Tax Credit Act (S. 3365) Section 8 housing choice voucher reform Yes in My Backyard Act Manufactured Housing Modernization Act GSA disposition of federal properties for housing purposes Housing is Infrastructure Act Building more Housing Near Transit Act CDC eviction ban, mortgage forbearance matters Affordable Housing Issues Office to Multifamily Conversions GSE Reform Housing Legislation (S. 2651, H.R. 6644)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":40789,"prefix":null,"prefix_display":null,"first_name":"JEFFREY","nickname":null,"middle_name":"D","last_name":"DEBOER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":51631,"prefix":"mr","prefix_display":"MR.","first_name":"DUANE","nickname":null,"middle_name":"JOSEPH","last_name":"DESIDERIO","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":59125,"prefix":null,"prefix_display":null,"first_name":"RYAN","nickname":null,"middle_name":"P.","last_name":"MCCORMICK","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":40717,"prefix":null,"prefix_display":null,"first_name":"CLIFTON","nickname":null,"middle_name":"E","last_name":"RODGERS","suffix":"jr","suffix_display":"JR"},"covered_position":null,"new":false}],"government_entities":[{"id":33,"name":"Energy, Dept of"},{"id":57,"name":"Federal Housing Finance Agency (FHFA)"},{"id":35,"name":"Housing & Urban Development, Dept of (HUD)"}]},{"general_issue_code":"GOV","general_issue_code_display":"Government Issues","description":"Federal employee return to the office and the SHOW UP Act (H.R. 139)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":40789,"prefix":null,"prefix_display":null,"first_name":"JEFFREY","nickname":null,"middle_name":"D","last_name":"DEBOER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":59125,"prefix":null,"prefix_display":null,"first_name":"RYAN","nickname":null,"middle_name":"P.","last_name":"MCCORMICK","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":18,"name":"Office of Management & Budget (OMB)"},{"id":81,"name":"Office of Personnel Management (OPM)"},{"id":1,"name":"SENATE"}]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]},{"url":"https://lda.gov/api/v1/filings/93c9dba6-1595-4335-aecb-7d63567571c4/","filing_uuid":"93c9dba6-1595-4335-aecb-7d63567571c4","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/93c9dba6-1595-4335-aecb-7d63567571c4/print/","filing_document_content_type":"text/html","income":null,"expenses":"1130000.00","expenses_method":"A","expenses_method_display":"A","posted_by_name":"Greg Mesack","dt_posted":"2026-04-14T10:06:48-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":"United States of America","registrant_address_1":"99 M Street, SE","registrant_address_2":"Suite 300","registrant_different_address":false,"registrant_city":"WASHINGTON","registrant_state":"DC","registrant_zip":"20003","registrant":{"id":11322,"url":"https://lda.gov/api/v1/registrants/11322/","house_registrant_id":31877,"name":"AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICAS CREDIT UNIONS","description":null,"address_1":"99 M Street, SE","address_2":"Suite 300","address_3":null,"address_4":null,"city":"WASHINGTON","state":"DC","state_display":"District of Columbia","zip":"20003","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"GREG MESACK","contact_telephone":"+1 202-491-7614","dt_updated":"2026-10-14T15:38:47.017132-04:00"},"client":{"id":115381,"url":"https://lda.gov/api/v1/clients/115381/","client_id":12,"name":"AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA","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":"2007-08-13"},"lobbying_activities":[{"general_issue_code":"BAN","general_issue_code_display":"Banking","description":"Protect the credit union tax exemption Support legislation and regulation that advance credit unions and their over 145 million members Support regulatory relief for credit unions Support holistic evaluation of regulatory burden on credit unions Support credit union field of membership expansion and modernization Support regulator- and bank-approved credit union-bank mergers Support financial inclusion and increased access to financial services Support modifying the credit union member business lending cap Support NCUAs existence as an independent regulator and insurer of credit unions Support assistance for minority depository institution credit unions Support regulatory relief for de novo credit unions Support harmonization of federal cyber incident notification standards Oppose Community Reinvestment Act requirements for credit unions Oppose legislative action to restrict credit union overdraft and courtesy pay programs Support regulatory framework for artificial intelligence that allows responsible innovation and recognizes credit unions compliance with existing regulations Support allowing use of artificial intelligence for regulatory reporting purposes Support mandatory arbitration agreements Oppose national interest rate cap Oppose national credit card interest rate cap Support Federal Credit Union Act modernization Support expanded natural person and corporate credit union investment authority Support expanded credit union examination cycle Support increased examination transparency Support Central Liquidity Facility and Community Development Revolving Loan Fund enhancements Oppose NCUA examination of credit union vendors Support modification of credit union loan maturity limits Oppose National Credit Union Share Insurance Fund structural changes Oppose National Credit Union Share Insurance Fund premium assessment Support parity in deposit insurance coverage levels between credit unions and banks Oppose additional Call Report fields on loans to credit union officials and senior executive staff Oppose additional Call Report fields on maturity distribution of uninsured shares Oppose making changes to Call Report requirements without using notice-and-comment process Oppose NCUA Call Report collection of overdraft and NSF fee revenue data Support modernization and simplification of Call Report form and instructions Support rescission of NCUA overdraft and NSF fee guidance Oppose collection of vendor information in NCUA Credit Union Profile Oppose changes to NCUA collection forms outside rulemaking process Support NCUA review of normal operating level and methodology Support NCUA action to permit credit union reimbursement of dependent care expenses for federal credit union official duties Oppose NCUA acting as a climate regulator Oppose NCUA rule on succession planning Oppose NCUA rule on record retention Oppose excessive NCUA requirements for supervisory committee audits Support NCUA action to reduce scope of supervisory committee examination Support NCUA recognition of digital banking in service facility definition Support clarification of NCUA member expulsion regulations Support NCUA proposed rule on increasing overdraft flexibility Support NCUA recognition of government sponsored enterprises as government agencies for loan maturity limit purposes Support NCUA adoption of floating interest rate cap Support modification of NCUA commercial loan definition Support increased flexibility in NCUA occupancy requirements Support NCUA action to clarify loan participation limits Support NCUA modification of low-income designation process Support expanding NCUA qualified charity definition Support allowing greater weighted average life for corporate credit unions financial assets Support extension of maturity limit for corporate credit union borrowing Support NCUA adopting limited retention period for operational records Support increased flexibility for advertising and notice of insured status Oppose proposed incentive-based compensation rule Support increased compliance timeline for NCUA simplification of share insurance rule Support removing reputational risk as a component of credit union examinations Support balanced implementation of debanking executive order Support increased NCUA efforts to promote credit union industry Support modernization and streamlining of NCUA operations Support NCUA supervisory flexibility for credit union shutdown assistance efforts Support NCUA action to modernize CAMELS rating system Support modernization of NCUA fidelity bond review requirements Support making CFPB subject to regular appropriations process Support increased CFPB budget transparency Support restructuring CFPB leadership to a bipartisan commission Support creation of a CFPB Inspector General Support reforms to CFPB Civil Investigative Demand process Support increasing asset thresholds for CFPB supervision of credit unions Support clarification of CFPB unfair, deceptive, or abusive acts and practices authority Support CFPB use of Section 1022 authority to exempt credit unions from certain regulations Support CFPB oversight and monitoring of nonbank entities Oppose CFPB efforts to avoid requirements of the rulemaking process Support CFPB use and disclosure of relevant data in rulemakings Support CFPB use of cost-benefit analysis in rulemaking process Support CFPB policies to promote innovation and access to credit Support CFPB coordination with NCUA on policy matters and examination scheduling Oppose mislabeling financial services fees as junk fees Oppose arbitrary limits on credit union fee income Oppose CFPB efforts to restrict information in credit reports Oppose CFPB efforts to manipulate consumer complaint data Support CFPB engaging in ongoing retrospective review of past regulations Support CFPB consumer complaint database reforms Support CFPB no-action letter program with extended timeline and increased protection of sensitive strategic information Oppose CFPB action to prohibit use of certain contractual terms and conditions Oppose expansion of consumer report and consumer reporting agency definitions under the Fair Credit Reporting Act/Regulation V Support consumer protection regulations for buy-now-pay-later loan providers Support inclusion of buy-now-pay-later loans in FHA underwriting Support CFPB use of Civil Penalty Fund for consumer financial education Support increase of Home Mortgage Disclosure Act reporting thresholds Support removal of disparate impact analysis from Regulation B and modification of discouragement standard Support credit union access to universal service fund letters of credit program Support recognition of unique credit union structure in Financial Data Transparency Act joint data standards Support federal data privacy and security standard that exempts Gramm-Leach-Bliley Act covered institutions, preempts state laws, operates on an opt-out basis, recognizes the complexity of data deletion, and does not authorize private right of action Support increased transparency for fintech bank charter applications Support Treasury development of model forms and qualified vehicle list for auto loan interest deduction Support safe harbor for credit unions related to the auto loan interest deduction Support clarification of remittance transfer tax exemptions Support inclusion of credit unions in Trump Accounts program Oppose development of a central bank digital currency Support credit union access to Federal Reserve liquidity options Support gradual expansion of Fedwire and National Settlement Service operating hours with optional participation Oppose addition of fourth same-day ACH window Support expanded flexibility for accessing the Fed discount window and intraday credit Oppose expanded eligibility for Federal Reserve master account access Oppose Regulation II debit interchange fee cap Oppose Federal Reserve proposed rule on modifying Regulation II debit interchange cap Support improvements to the Federal Reserves Debit Card Issuer Survey Oppose legislative action to impose caps or restrictions on debit or credit interchange fees Oppose legislative action to prohibit the Federal Reserve from paying interest on reserves Support Federal Reserve action to coordinate regulatory guidance on penny circulation issues and management of penny supply Support continued offering of Federal Reserve check services Oppose expansion of Electronic Fund Transfer Act/Regulation E financial institution liability Support fair distribution of Electronic Fund Transfer Act/Regulation E error resolution responsibilities Oppose Electronic Fund Transfer Act/Regulation E liability for financial institutions for consumer-authorized transactions Support clarification of funds definition under Electronic Fund Transfer Act/Regulation E Support clarification of Electronic Fund Transfer Act/Regulation E treatment of digital assets Support increased flexibility for check holds and funds availability requirements Support transition to electronic payments for government payments Support consumer education on transition to electronic payments Support clarification of information sharing safe harbor for identifying and preventing payments fraud Support greater flexibility for credit unions to decline services with clear indica of fraud or elder abuse Support parity for credit union provision of digital asset services Prevent competitive disadvantages for credit unions and market distortions related to the integration of digital assets into traditional financial products Support Treasury and NCUA action to implement regulatory framework for stablecoin issuance Support parity for credit unions related to stablecoin regulation Support NCUAs role as primary regulator of credit unions stablecoin activities Oppose treating stablecoins or digital assets as federally insured Oppose payment of interest, yield, or rewards on stablecoin holdings Support digital assets guardrails to prevent deposit outflows Support clarifying credit unions authority to provide custodial services for their members Support safeguards for rehypothecation of digital assets Support reduced government-sponsored enterprises costs for credit union mortgages Support secondary mortgage market access for credit unions Support continued role for FHFA as an independent regulator Support credit union access to Federal Home Loan Bank system Support expansion of Federal Home Loan Bank Act community financial institution definition Support Federal Home Loan Bank engagement with credit unions Oppose adoption of volume-based incentives for Federal Home Loan Banks Oppose policy changes to limit access to Federal Home Loan Bank liquidity Support Federal Home Loan Bank allocations to the Affordable Housing Program Support FinCEN implementation of the Corporate Transparency Act Support additional time to implement anti-money laundering/countering financing of terrorism program changes and publication of guidance Support increasing Currency Transaction Report and Suspicious Activity Report filing thresholds Support streamlining Currency Transaction Report and Suspicious Activity Report forms Support increased inclusion of identifiable information in Section 314(a) information requests Support consistency between NCUA and FinCEN requirements on Bank Secrecy Act compliance Support FinCEN survey to accurately measure Bank Secrecy Act compliance costs Support DOD clarification of Military Lending Act and Servicemembers Civil Relief Act requirements Support standardized disclosures and financial literacy briefings for servicemembers Support credit union access to nominal leases on military installations Oppose nominal leases for banks on military installations Oppose legislative action on the Overseas Military Banking Program Oppose inclusion of interchange or interest rate cap amendments in the National Defense Authorization Act Support federal share insurance for all credit unions acting as fiscal agents of the U.S. government Support role of Community Development Financial Institutions Fund in promoting economic growth and access to capital in underserved communities Support access to Community Development Financial Institutions Fund awards and technical assistance for credit unions Support Community Development Financial Institutions Fund bond guarantee program Support Community Development Financial Institutions Fund liquidity enhancement pilot program Support disbursement of all Community Development Financial Institution Fund appropriated award funding Oppose additional barriers to disbursement of Community Development Financial Institution Fund appropriated award funding Support timely completion of Emergency Capital Investment Program disposition agreements Oppose CFPB rulemaking on contract terms and conditions Oppose reclassification of credit header information as a consumer report Oppose reliance on single source of documentation to determine instances of identity theft or coerced debt Oppose use of interim final rule to modify personal financial data rights requirements Support modification of Section 1033 rule to allow data providers to charge fees, remove prescriptive technology standards, and establish data privacy standards and allocation of liability Support increased reporting and small business revenue threshold and elimination of discretionary data points collection in revised Section 1071 rule Support modernization of e-signature requirements Support allowing electronic or documented oral credit card applications Support increased flexibility for disclosures Support rescission of CFPB payday lending rule payment provisions Support modification of FCC revocation of consent rule Support greater flexibility for FCC fraud alert exemption Support uniform federal standards and increased federal preemption of state laws on interchange, data privacy, artificial intelligence, and elder financial abuse reporting Issues related to housing finance reform Issues related to flood insurance Issues related to privately insured credit unions Issues related to credit union capital requirements Issues related to credit union conversions Issues related to credit unions as employers Issues related to the Foreign Account Tax Compliance Act Issues related to fair lending Issues related to the Telephone Consumer Protection Act Support Credit Union Board Modernization Act (H.R. 975; S. 522) Support 1071 Repeal to Protect Small Business Lending Act (H.R. 976; S. 557) Support Making the CFPB Accountable to Small Businesses Act (H.R. 1606) Support Financial Integrity and Regulation Management Act (S. 875; H.R. 2702; Senate Amendment 3104) Support Fair Audits and Inspections for Regulators Act (H.R. 940) Support Anti-CBDC Surveillance State Act (H.R. 1919; S. 1124) Support Veterans Member Business Loan Act (H.R. 507; S. 110; Senate Amendment 3776) Support Taking Account of Bureaucrats Spending Act (H.R. 654) Support Rectifying UDAAP Act (H.R. 1652) Support Civil Investigative Demand Reform Act (H.R. 1653) Support SECURE Notarization Act (H.R. 1777; S. 1561) Support Increasing Credit Union Lending for Business Growth Act (H.R. 1791) Support Financial Reporting Threshold Modernization Act (H.R. 1799; Amendment 715 to H.R. 3838) Support Home of Your Own Act (H.R. 2064) Support Homes for Every Local Protector, Educator, and Responder Act (H.R. 2094; S. 978) Support CFPB Dual Mandate and Economic Analysis Act (H.R. 2183) Support Transparency in CFPB Cost-Benefit Analysis Act (H.R. 2331) Support CFPB-IG Reform Act (H.R. 2513) Support Homebuyers Privacy Protection Act (H.R. 2808; S. 1467) Support Financial Institution Regulatory Tailoring Enhancement Act (H.R. 3230) Support Halting Uncertain Methods and Practices in Supervision Act (H.R. 3379) Support Taking Account of Institutions with Low Operation Risk Act (H.R. 3380) Support Bureau of Consumer Financial Protection Commission Act (H.R. 3445) Support Advancing the Mentor-Protege Program for Small Financial Institutions Act (H.R. 3709) Support Expanding Access to Lending Options Act (H.R. 4167) Support CDFI Bond Guarantee Program Improvement Act (S. 1880) Support Taskforce for Recognizing and Averting Payment Scams Act (H.R. 4936; S. 2019; Senate Amendment 3257) Support Capping Excessive Awarding of SBLC Entrants Act (H.R. 2987) Support Expanding Access to Lending Options Act (H.R. 4167) Support Supervisory Modifications for Appropriate Risk-Based Testing Act (H.R. 4437) Support Stop Agency Fiat Enforcement Act (H.R. 4460) Support American Access to Banking Act (H.R. 4544) Support Protecting Access to Credit for Small Businesses Act (S. 2486) Support Business of Insurance Regulatory Reform Act (H.R. 4735; S. 2419) Support NCUA Central Liquidity Facility Enhancement Act (S. 2545, S. 3575; Senate Amendments 3722, 3834, 4384) Support CDFI Fund Transparency Act (S. 2704; Senate Amendments 3640, 3732) Support Supporting Upgraded Property Projects and Lending for Yards Act (H.R. 4568) Support Unleashing AI Innovation in Financial Services Act (H.R. 4801) Support AI Practices, Logistics, Actions, and Necessities Act (H.R. 2152) Support Streamlining Transaction Reporting and Ensuring Anti-Money Laundering Improvements for a New Era Act (S. 3017) Support NFIP Continuation Act (H.R. 5577) Support Housing for the 21st Century Act (H.R. 6644) Support Regulatory Efficiency, Verification, Itemization, and Enhanced Workflow Act (H.R. 6544) Support Community Bank Regulatory Tailoring Act (H.R. 7056) Support Close the Shadow Banking Loophole Act (S. 3734) Support American Lending Fairness Act (S. 3889; H.R. 7866) Support Community Bank Relief Act (S. 3849; H.R. 7484) Support Access to Fair Financing for Opportunity and Resilient Development Act (Senate Amendments 4354, 4394; S. 3940) Support Growing Deposit Insurance for the Future Act (H.R. 8088) Support emergency transaction account guarantee legislation (H.R. 8075) Support inclusion of guidance on penny circulation in Common Cents Act (H.R. 3074) Support parity for credit unions and prohibition on stablecoin yield in Digital Asset Market Clarity Act (H.R. 3633) Support modification of Section 705 in Renewing Opportunity in the American Dream to Housing Act (S. 2651) Support inclusion of credit union parity provisions in Main Street Capital Access Act (H.R. 6955) Oppose 10 Percent Credit Card Interest Rate Cap Act (H.R. 1944; S. 381; Senate Amendment 2239) Oppose Credit Card Competition Act (Senate Amendments 2229, 2230, 2345, 4305; S. 3623; H.R. 7035) Oppose commissary interchange fee study (Senate Amendment 3216) Oppose End the Feds Big Bank Bailout Act (S. 2113; Senate Amendment 3761) Oppose Credit Card Fairness Act (S. 3660)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":148612,"prefix":"mr","prefix_display":"MR.","first_name":"GREGORY","nickname":null,"middle_name":null,"last_name":"MESACK","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148607,"prefix":"mr","prefix_display":"MR.","first_name":"BRADFORD","nickname":null,"middle_name":null,"last_name":"THALER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":29115,"prefix":null,"prefix_display":null,"first_name":"PHIL","nickname":null,"middle_name":null,"last_name":"DRAGER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":147663,"prefix":null,"prefix_display":null,"first_name":"STEPHANIE","nickname":null,"middle_name":null,"last_name":"BELK","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":147664,"prefix":null,"prefix_display":null,"first_name":"GORDON","nickname":null,"middle_name":null,"last_name":"HOLZBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152333,"prefix":null,"prefix_display":null,"first_name":"MADISON","nickname":null,"middle_name":null,"last_name":"HUBBARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":146201,"prefix":null,"prefix_display":null,"first_name":"CLARK","nickname":null,"middle_name":null,"last_name":"DERRINGTON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":146203,"prefix":null,"prefix_display":null,"first_name":"JAMES","nickname":null,"middle_name":null,"last_name":"AKIN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":47583,"prefix":null,"prefix_display":null,"first_name":"LUKE","nickname":null,"middle_name":null,"last_name":"MARTONE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":146204,"prefix":null,"prefix_display":null,"first_name":"ANDREW","nickname":null,"middle_name":null,"last_name":"MORRIS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":150377,"prefix":null,"prefix_display":null,"first_name":"TYLER","nickname":null,"middle_name":null,"last_name":"MARON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":153336,"prefix":null,"prefix_display":null,"first_name":"JEREMY","nickname":null,"middle_name":null,"last_name":"GREENBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":true},{"lobbyist":{"id":153337,"prefix":null,"prefix_display":null,"first_name":"KRISTIN","nickname":null,"middle_name":null,"last_name":"RHEINS","suffix":null,"suffix_display":null},"covered_position":null,"new":true}],"government_entities":[{"id":255,"name":"Consumer Financial Protection Bureau (CFPB)"},{"id":25,"name":"Defense, Dept of (DOD)"},{"id":11,"name":"Executive Office of the President (EOP)"},{"id":53,"name":"Federal Communications Commission (FCC)"},{"id":57,"name":"Federal Housing Finance Agency (FHFA)"},{"id":62,"name":"Federal Reserve System"},{"id":235,"name":"Financial Crimes Enforcement Network (FinCEN)"},{"id":5,"name":"Government Accountability Office (GAO)"},{"id":201,"name":"Homeland Security, Dept of (DHS)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":35,"name":"Housing & Urban Development, Dept of (HUD)"},{"id":37,"name":"Justice, Dept of (DOJ)"},{"id":71,"name":"Natl Credit Union Administration (NCUA)"},{"id":198,"name":"Natl Economic Council (NEC)"},{"id":18,"name":"Office of Management & Budget (OMB)"},{"id":1,"name":"SENATE"},{"id":90,"name":"Small Business Administration (SBA)"},{"id":41,"name":"Treasury, Dept of"}]},{"general_issue_code":"BUD","general_issue_code_display":"Budget/Appropriations","description":"Support responsible reductions to NCUA budget Support NCUA budget transparency Support Community Development Financial Institutions Fund funding Support Community Development Financial Institutions Fund transparency Support Community Development Revolving Loan Fund funding Support FinCEN funding Support funding for Small Business Administration loan programs Support USAID Cooperative Development Program funding","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":148612,"prefix":"mr","prefix_display":"MR.","first_name":"GREGORY","nickname":null,"middle_name":null,"last_name":"MESACK","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148607,"prefix":"mr","prefix_display":"MR.","first_name":"BRADFORD","nickname":null,"middle_name":null,"last_name":"THALER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":29115,"prefix":null,"prefix_display":null,"first_name":"PHIL","nickname":null,"middle_name":null,"last_name":"DRAGER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":147663,"prefix":null,"prefix_display":null,"first_name":"STEPHANIE","nickname":null,"middle_name":null,"last_name":"BELK","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":147664,"prefix":null,"prefix_display":null,"first_name":"GORDON","nickname":null,"middle_name":null,"last_name":"HOLZBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152333,"prefix":null,"prefix_display":null,"first_name":"MADISON","nickname":null,"middle_name":null,"last_name":"HUBBARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":146203,"prefix":null,"prefix_display":null,"first_name":"JAMES","nickname":null,"middle_name":null,"last_name":"AKIN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":47583,"prefix":null,"prefix_display":null,"first_name":"LUKE","nickname":null,"middle_name":null,"last_name":"MARTONE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":146204,"prefix":null,"prefix_display":null,"first_name":"ANDREW","nickname":null,"middle_name":null,"last_name":"MORRIS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":150377,"prefix":null,"prefix_display":null,"first_name":"TYLER","nickname":null,"middle_name":null,"last_name":"MARON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":153336,"prefix":null,"prefix_display":null,"first_name":"JEREMY","nickname":null,"middle_name":null,"last_name":"GREENBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":true},{"lobbyist":{"id":153337,"prefix":null,"prefix_display":null,"first_name":"KRISTIN","nickname":null,"middle_name":null,"last_name":"RHEINS","suffix":null,"suffix_display":null},"covered_position":null,"new":true}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":71,"name":"Natl Credit Union Administration (NCUA)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"SMB","general_issue_code_display":"Small Business","description":"Support streamlining of SBA process to facilitate credit union participation in government-guaranteed lending programs Support enhanced SBA outreach and education efforts for government-guaranteed lending programs Oppose SBA direct lending Oppose participation in SBA government-guaranteed lending programs by underregulated fintechs Oppose rescission of small business lending company moratorium Oppose creation of mission-based small business lending company designation Oppose SBA affiliation and lending criteria revisions rule","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":147664,"prefix":null,"prefix_display":null,"first_name":"GORDON","nickname":null,"middle_name":null,"last_name":"HOLZBERG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152333,"prefix":null,"prefix_display":null,"first_name":"MADISON","nickname":null,"middle_name":null,"last_name":"HUBBARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":146203,"prefix":null,"prefix_display":null,"first_name":"JAMES","nickname":null,"middle_name":null,"last_name":"AKIN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148612,"prefix":"mr","prefix_display":"MR.","first_name":"GREGORY","nickname":null,"middle_name":null,"last_name":"MESACK","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148607,"prefix":"mr","prefix_display":"MR.","first_name":"BRADFORD","nickname":null,"middle_name":null,"last_name":"THALER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":29115,"prefix":null,"prefix_display":null,"first_name":"PHIL","nickname":null,"middle_name":null,"last_name":"DRAGER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":147663,"prefix":null,"prefix_display":null,"first_name":"STEPHANIE","nickname":null,"middle_name":null,"last_name":"BELK","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":90,"name":"Small Business Administration (SBA)"}]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]},{"url":"https://lda.gov/api/v1/filings/05965635-54c9-49ea-825b-2df4fa72e46b/","filing_uuid":"05965635-54c9-49ea-825b-2df4fa72e46b","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/05965635-54c9-49ea-825b-2df4fa72e46b/print/","filing_document_content_type":"text/html","income":"120000.00","expenses":null,"expenses_method":null,"expenses_method_display":null,"posted_by_name":"Sara Nuvy","dt_posted":"2026-04-14T19:19:42-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":null,"registrant_address_1":"601 Thirteenth St, NW","registrant_address_2":"Suite 250 S","registrant_different_address":false,"registrant_city":"Washington","registrant_state":"DC","registrant_zip":"20005","registrant":{"id":401104288,"url":"https://lda.gov/api/v1/registrants/401104288/","house_registrant_id":null,"name":"BALLARD PARTNERS, LLC","description":"Government relations and advocacy services","address_1":"601 Thirteenth St, NW","address_2":"Suite 250 S","address_3":null,"address_4":null,"city":"Washington","state":"DC","state_display":"District of Columbia","zip":"20005","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"SARA NUVY","contact_telephone":"+1 202-800-5620","dt_updated":"2026-10-20T17:57:36.224780-04:00"},"client":{"id":71376,"url":"https://lda.gov/api/v1/clients/71376/","client_id":71376,"name":"BB LIVING","general_description":"Rental homes","client_government_entity":null,"client_self_select":false,"state":"AZ","state_display":"Arizona","country":"US","country_display":"United States of America","ppb_state":"AZ","ppb_state_display":"Arizona","ppb_country":"US","ppb_country_display":"United States of America","effective_date":"2026-01-19"},"lobbying_activities":[{"general_issue_code":"HOU","general_issue_code_display":"Housing","description":"Housing Executive Order, H.R. 6644, the Housing for the 21st Century Act; S.2651 - ROAD to Housing Act of 2025","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":65360,"prefix":null,"prefix_display":null,"first_name":"BRIAN","nickname":null,"middle_name":null,"last_name":"BALLARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148105,"prefix":null,"prefix_display":null,"first_name":"ADRIAN","nickname":null,"middle_name":null,"last_name":"LUKIS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148281,"prefix":null,"prefix_display":null,"first_name":"PATRICK","nickname":null,"middle_name":null,"last_name":"KILCUR","suffix":null,"suffix_display":null},"covered_position":"Floor Assistant, Senate Republican Secretary (2012-2014); Cloakroom Assistant, Senate Republican Secretary (2008-2012); Floor Monitor, Sen. Arlen Specter (2006-2008)","new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":41,"name":"Treasury, Dept of"},{"id":12,"name":"White House Office"}]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]},{"url":"https://lda.gov/api/v1/filings/7c30af71-b72a-4f83-9120-01b1aeb78a72/","filing_uuid":"7c30af71-b72a-4f83-9120-01b1aeb78a72","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/7c30af71-b72a-4f83-9120-01b1aeb78a72/print/","filing_document_content_type":"text/html","income":null,"expenses":"1180000.00","expenses_method":"C","expenses_method_display":"C","posted_by_name":"Lake A. Coulson","dt_posted":"2026-04-15T16:01:48-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":null,"registrant_address_1":"1201 15TH STREET, NW","registrant_address_2":null,"registrant_different_address":false,"registrant_city":"WASHINGTON","registrant_state":"DC","registrant_zip":"20005","registrant":{"id":26810,"url":"https://lda.gov/api/v1/registrants/26810/","house_registrant_id":32444,"name":"NATIONAL ASSOCIATION OF HOME BUILDERS","description":null,"address_1":"1201 15TH STREET, NW","address_2":null,"address_3":null,"address_4":null,"city":"WASHINGTON","state":"DC","state_display":"District of Columbia","zip":"20005","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"LAKE A COULSON","contact_telephone":"+1 202-266-8510","dt_updated":"2026-07-27T17:14:39.473578-04:00"},"client":{"id":134231,"url":"https://lda.gov/api/v1/clients/134231/","client_id":12,"name":"NATIONAL ASSOCIATION OF HOME BUILDERS","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":"2007-08-06"},"lobbying_activities":[{"general_issue_code":"BAN","general_issue_code_display":"Banking","description":"AD&C Lending, FHA Reform, Affordable Housing Reform, GSE Reform, S. 1071 The National Defense Authorization Act for FY 2026","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":30326,"prefix":"mr","prefix_display":"MR.","first_name":"JAMES","nickname":null,"middle_name":"W","last_name":"TOBIN","suffix":"iii","suffix_display":"III"},"covered_position":null,"new":false},{"lobbyist":{"id":50723,"prefix":"mr","prefix_display":"MR.","first_name":"ALEXANDER","nickname":null,"middle_name":null,"last_name":"STRONG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":9926,"prefix":"mr","prefix_display":"MR.","first_name":"SCOTT","nickname":null,"middle_name":"C","last_name":"MEYER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":4205,"prefix":null,"prefix_display":null,"first_name":"JP","nickname":null,"middle_name":null,"last_name":"DELMORE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":44698,"prefix":"mr","prefix_display":"MR.","first_name":"ROBERT","nickname":null,"middle_name":"DAVID","last_name":"DIETZ","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":56274,"prefix":null,"prefix_display":null,"first_name":"LAKE","nickname":null,"middle_name":null,"last_name":"COULSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":138622,"prefix":"ms","prefix_display":"MS.","first_name":"HEATHER","nickname":null,"middle_name":null,"last_name":"VOORMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":140643,"prefix":null,"prefix_display":null,"first_name":"EVAN","nickname":null,"middle_name":null,"last_name":"LOUKADAKIS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":145075,"prefix":null,"prefix_display":null,"first_name":"SAM","nickname":null,"middle_name":null,"last_name":"GILBOARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148489,"prefix":null,"prefix_display":null,"first_name":"KEN","nickname":null,"middle_name":null,"last_name":"WINGERT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152265,"prefix":"mr","prefix_display":"MR.","first_name":"SAMUEL","nickname":null,"middle_name":null,"last_name":"GAUSE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":11,"name":"Executive Office of the President (EOP)"},{"id":62,"name":"Federal Reserve System"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":35,"name":"Housing & Urban Development, Dept of (HUD)"},{"id":1,"name":"SENATE"},{"id":41,"name":"Treasury, Dept of"}]},{"general_issue_code":"BUD","general_issue_code_display":"Budget/Appropriations","description":"Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Appropriations ; Departments of Labor, Health and Human Services, and Education, and Related Agencies Appropriations; Transportation, Housing and Urban Development, and Related Agencies Appropriations; Energy and Water Development and Related Agencies Appropriations; Department of the Interior, Environment, and Related Agencies Appropriations; Financial Services and General Government Appropriations; H.R. 5371, the Continuing Appropriations Act of 2026","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":30326,"prefix":"mr","prefix_display":"MR.","first_name":"JAMES","nickname":null,"middle_name":"W","last_name":"TOBIN","suffix":"iii","suffix_display":"III"},"covered_position":null,"new":false},{"lobbyist":{"id":9926,"prefix":"mr","prefix_display":"MR.","first_name":"SCOTT","nickname":null,"middle_name":"C","last_name":"MEYER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":50723,"prefix":"mr","prefix_display":"MR.","first_name":"ALEXANDER","nickname":null,"middle_name":null,"last_name":"STRONG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":56274,"prefix":null,"prefix_display":null,"first_name":"LAKE","nickname":null,"middle_name":null,"last_name":"COULSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":4205,"prefix":null,"prefix_display":null,"first_name":"JP","nickname":null,"middle_name":null,"last_name":"DELMORE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":138622,"prefix":"ms","prefix_display":"MS.","first_name":"HEATHER","nickname":null,"middle_name":null,"last_name":"VOORMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":140643,"prefix":null,"prefix_display":null,"first_name":"EVAN","nickname":null,"middle_name":null,"last_name":"LOUKADAKIS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":145075,"prefix":null,"prefix_display":null,"first_name":"SAM","nickname":null,"middle_name":null,"last_name":"GILBOARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148489,"prefix":null,"prefix_display":null,"first_name":"KEN","nickname":null,"middle_name":null,"last_name":"WINGERT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152265,"prefix":"mr","prefix_display":"MR.","first_name":"SAMUEL","nickname":null,"middle_name":null,"last_name":"GAUSE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":200,"name":"Army, Dept of (Corps of Engineers)"},{"id":33,"name":"Energy, Dept of"},{"id":49,"name":"Environmental Protection Agency (EPA)"},{"id":11,"name":"Executive Office of the President (EOP)"},{"id":56,"name":"Federal Emergency Management Agency (FEMA)"},{"id":201,"name":"Homeland Security, Dept of (DHS)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":35,"name":"Housing & Urban Development, Dept of (HUD)"},{"id":36,"name":"Interior, Dept of (DOI)"},{"id":38,"name":"Labor, Dept of (DOL)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"CAW","general_issue_code_display":"Clean Air and Water (quality)","description":"Clean Water Act, Greenhouse Gas Emissions, Codifying Florida's 404 wetland permitting program, H.R. 3898 The PERMIT Act","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":30326,"prefix":"mr","prefix_display":"MR.","first_name":"JAMES","nickname":null,"middle_name":"W","last_name":"TOBIN","suffix":"iii","suffix_display":"III"},"covered_position":null,"new":false},{"lobbyist":{"id":56274,"prefix":null,"prefix_display":null,"first_name":"LAKE","nickname":null,"middle_name":null,"last_name":"COULSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":4205,"prefix":null,"prefix_display":null,"first_name":"JP","nickname":null,"middle_name":null,"last_name":"DELMORE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":9926,"prefix":"mr","prefix_display":"MR.","first_name":"SCOTT","nickname":null,"middle_name":"C","last_name":"MEYER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":50723,"prefix":"mr","prefix_display":"MR.","first_name":"ALEXANDER","nickname":null,"middle_name":null,"last_name":"STRONG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":138622,"prefix":"ms","prefix_display":"MS.","first_name":"HEATHER","nickname":null,"middle_name":null,"last_name":"VOORMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":140643,"prefix":null,"prefix_display":null,"first_name":"EVAN","nickname":null,"middle_name":null,"last_name":"LOUKADAKIS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":145075,"prefix":null,"prefix_display":null,"first_name":"SAM","nickname":null,"middle_name":null,"last_name":"GILBOARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148489,"prefix":null,"prefix_display":null,"first_name":"KEN","nickname":null,"middle_name":null,"last_name":"WINGERT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152265,"prefix":"mr","prefix_display":"MR.","first_name":"SAMUEL","nickname":null,"middle_name":null,"last_name":"GAUSE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":49,"name":"Environmental Protection Agency (EPA)"},{"id":11,"name":"Executive Office of the President (EOP)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"ENG","general_issue_code_display":"Energy/Nuclear","description":"Energy efficiency policy and incentives; financing for energy improvements; building energy codes and green rating systems; appliance efficiency standards; building science research; federal green building programs; ENERGY STAR; and supply chain issues, H.R. 3699/S. 1945 (Energy Choice Act); H.R. 4758/S.333 (Homeowner Energy Freedom Act); H.R. 501/S.388 (Promoting Resilient Buildings Act);The HOUSE Act; STOVE Act; Save Our Gas Stoves Act; Gas Stove Protection and Freedom Act; Gas Stove Amendment; DOE Transformer Rule; HUD and USDA energy efficiency standards (including efforts to withdraw the final determination for federally financed housing).","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":4205,"prefix":null,"prefix_display":null,"first_name":"JP","nickname":null,"middle_name":null,"last_name":"DELMORE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":30326,"prefix":"mr","prefix_display":"MR.","first_name":"JAMES","nickname":null,"middle_name":"W","last_name":"TOBIN","suffix":"iii","suffix_display":"III"},"covered_position":null,"new":false},{"lobbyist":{"id":9926,"prefix":"mr","prefix_display":"MR.","first_name":"SCOTT","nickname":null,"middle_name":"C","last_name":"MEYER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":56274,"prefix":null,"prefix_display":null,"first_name":"LAKE","nickname":null,"middle_name":null,"last_name":"COULSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":50723,"prefix":"mr","prefix_display":"MR.","first_name":"ALEXANDER","nickname":null,"middle_name":null,"last_name":"STRONG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":138622,"prefix":"ms","prefix_display":"MS.","first_name":"HEATHER","nickname":null,"middle_name":null,"last_name":"VOORMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":140643,"prefix":null,"prefix_display":null,"first_name":"EVAN","nickname":null,"middle_name":null,"last_name":"LOUKADAKIS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":145075,"prefix":null,"prefix_display":null,"first_name":"SAM","nickname":null,"middle_name":null,"last_name":"GILBOARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148489,"prefix":null,"prefix_display":null,"first_name":"KEN","nickname":null,"middle_name":null,"last_name":"WINGERT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152265,"prefix":"mr","prefix_display":"MR.","first_name":"SAMUEL","nickname":null,"middle_name":null,"last_name":"GAUSE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":23,"name":"Agriculture, Dept of (USDA)"},{"id":33,"name":"Energy, Dept of"},{"id":49,"name":"Environmental Protection Agency (EPA)"},{"id":11,"name":"Executive Office of the President (EOP)"},{"id":65,"name":"General Services Administration (GSA)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":35,"name":"Housing & Urban Development, Dept of (HUD)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"ENV","general_issue_code_display":"Environment/Superfund","description":"Endangered Species, FEMA/ESA Suspension of Flood Map Revisions, the ESA Amendments Act, HR 3800 the Lowering Homeownership Costs Act; issues related to compensatory mitigation","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":30326,"prefix":"mr","prefix_display":"MR.","first_name":"JAMES","nickname":null,"middle_name":"W","last_name":"TOBIN","suffix":"iii","suffix_display":"III"},"covered_position":null,"new":false},{"lobbyist":{"id":56274,"prefix":null,"prefix_display":null,"first_name":"LAKE","nickname":null,"middle_name":null,"last_name":"COULSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":4205,"prefix":null,"prefix_display":null,"first_name":"JP","nickname":null,"middle_name":null,"last_name":"DELMORE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":9926,"prefix":"mr","prefix_display":"MR.","first_name":"SCOTT","nickname":null,"middle_name":"C","last_name":"MEYER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":50723,"prefix":"mr","prefix_display":"MR.","first_name":"ALEXANDER","nickname":null,"middle_name":null,"last_name":"STRONG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":138622,"prefix":"ms","prefix_display":"MS.","first_name":"HEATHER","nickname":null,"middle_name":null,"last_name":"VOORMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":140643,"prefix":null,"prefix_display":null,"first_name":"EVAN","nickname":null,"middle_name":null,"last_name":"LOUKADAKIS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":145075,"prefix":null,"prefix_display":null,"first_name":"SAM","nickname":null,"middle_name":null,"last_name":"GILBOARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148489,"prefix":null,"prefix_display":null,"first_name":"KEN","nickname":null,"middle_name":null,"last_name":"WINGERT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152265,"prefix":"mr","prefix_display":"MR.","first_name":"SAMUEL","nickname":null,"middle_name":null,"last_name":"GAUSE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":49,"name":"Environmental Protection Agency (EPA)"},{"id":11,"name":"Executive Office of the President (EOP)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"HOU","general_issue_code_display":"Housing","description":"Flood insurance, affordable housing reform, FHA reform, GSE reform, Section 8 Voucher Reform, Davis Bacon multiple wage determination, rental assistance, eviction moratorium, zoning and land use policy, Fair Housing Act reform, Public and Federally Assisted Housing Fire Safety Act, Middle Class Borrower Protection Act, Choice in Affordable Housing Act, Housing Supply and Innovation Frameworks Act, the ROAD to Housing Act, H.R. 5878 the HOME Reform Act, H.R. 6644 Housing for a 21st Century Act, S. 1071 The National Defense Authorization Act for FY 2026, H.R. 6644, the 21st Century ROAD to Housing Act","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":30326,"prefix":"mr","prefix_display":"MR.","first_name":"JAMES","nickname":null,"middle_name":"W","last_name":"TOBIN","suffix":"iii","suffix_display":"III"},"covered_position":null,"new":false},{"lobbyist":{"id":56274,"prefix":null,"prefix_display":null,"first_name":"LAKE","nickname":null,"middle_name":null,"last_name":"COULSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":9926,"prefix":"mr","prefix_display":"MR.","first_name":"SCOTT","nickname":null,"middle_name":"C","last_name":"MEYER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":4205,"prefix":null,"prefix_display":null,"first_name":"JP","nickname":null,"middle_name":null,"last_name":"DELMORE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":50723,"prefix":"mr","prefix_display":"MR.","first_name":"ALEXANDER","nickname":null,"middle_name":null,"last_name":"STRONG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":44698,"prefix":"mr","prefix_display":"MR.","first_name":"ROBERT","nickname":null,"middle_name":"DAVID","last_name":"DIETZ","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":138622,"prefix":"ms","prefix_display":"MS.","first_name":"HEATHER","nickname":null,"middle_name":null,"last_name":"VOORMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":140643,"prefix":null,"prefix_display":null,"first_name":"EVAN","nickname":null,"middle_name":null,"last_name":"LOUKADAKIS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":145075,"prefix":null,"prefix_display":null,"first_name":"SAM","nickname":null,"middle_name":null,"last_name":"GILBOARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148489,"prefix":null,"prefix_display":null,"first_name":"KEN","nickname":null,"middle_name":null,"last_name":"WINGERT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152265,"prefix":"mr","prefix_display":"MR.","first_name":"SAMUEL","nickname":null,"middle_name":null,"last_name":"GAUSE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":11,"name":"Executive Office of the President (EOP)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":35,"name":"Housing & Urban Development, Dept of (HUD)"},{"id":1,"name":"SENATE"},{"id":41,"name":"Treasury, Dept of"},{"id":12,"name":"White House Office"}]},{"general_issue_code":"IMM","general_issue_code_display":"Immigration","description":"Comprehensive Immigration Reform; H-2B legislation and regulations; guest worker programs; E-Verify; public charge rule; EB-5 program; Legal Workforce Act; the Dignity Act; the Essential Workers for Economic Advancement Act","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":50723,"prefix":"mr","prefix_display":"MR.","first_name":"ALEXANDER","nickname":null,"middle_name":null,"last_name":"STRONG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":30326,"prefix":"mr","prefix_display":"MR.","first_name":"JAMES","nickname":null,"middle_name":"W","last_name":"TOBIN","suffix":"iii","suffix_display":"III"},"covered_position":null,"new":false},{"lobbyist":{"id":56274,"prefix":null,"prefix_display":null,"first_name":"LAKE","nickname":null,"middle_name":null,"last_name":"COULSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":4205,"prefix":null,"prefix_display":null,"first_name":"JP","nickname":null,"middle_name":null,"last_name":"DELMORE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":9926,"prefix":"mr","prefix_display":"MR.","first_name":"SCOTT","nickname":null,"middle_name":"C","last_name":"MEYER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":44698,"prefix":"mr","prefix_display":"MR.","first_name":"ROBERT","nickname":null,"middle_name":"DAVID","last_name":"DIETZ","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":138622,"prefix":"ms","prefix_display":"MS.","first_name":"HEATHER","nickname":null,"middle_name":null,"last_name":"VOORMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":140643,"prefix":null,"prefix_display":null,"first_name":"EVAN","nickname":null,"middle_name":null,"last_name":"LOUKADAKIS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":145075,"prefix":null,"prefix_display":null,"first_name":"SAM","nickname":null,"middle_name":null,"last_name":"GILBOARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148489,"prefix":null,"prefix_display":null,"first_name":"KEN","nickname":null,"middle_name":null,"last_name":"WINGERT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152265,"prefix":"mr","prefix_display":"MR.","first_name":"SAMUEL","nickname":null,"middle_name":null,"last_name":"GAUSE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":11,"name":"Executive Office of the President (EOP)"},{"id":201,"name":"Homeland Security, Dept of (DHS)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"LBR","general_issue_code_display":"Labor Issues/Antitrust/Workplace","description":"OSHA fall protection, OSHA crystalline silica rule; employee misclassification; DOL and NLRB joint employer rules/withdrawals; DOL independent contractor rule/withdrawal; expansion of Pell Grant eligibility to short-term certificate programs; WIOA reauthorization; Overtime exemptions under the FLSA, State plans for OSHA, Inflation Reduction Act; Employee Rights Act, Youth Workforce Readiness Act, Workforce training/ DOL Job Corps, a Stronger Workforce for America Act, H.R.1055/S.189 CONSTRUCTS Act, OSHA heat standard","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":50723,"prefix":"mr","prefix_display":"MR.","first_name":"ALEXANDER","nickname":null,"middle_name":null,"last_name":"STRONG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":30326,"prefix":"mr","prefix_display":"MR.","first_name":"JAMES","nickname":null,"middle_name":"W","last_name":"TOBIN","suffix":"iii","suffix_display":"III"},"covered_position":null,"new":false},{"lobbyist":{"id":4205,"prefix":null,"prefix_display":null,"first_name":"JP","nickname":null,"middle_name":null,"last_name":"DELMORE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":56274,"prefix":null,"prefix_display":null,"first_name":"LAKE","nickname":null,"middle_name":null,"last_name":"COULSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":9926,"prefix":"mr","prefix_display":"MR.","first_name":"SCOTT","nickname":null,"middle_name":"C","last_name":"MEYER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":44698,"prefix":"mr","prefix_display":"MR.","first_name":"ROBERT","nickname":null,"middle_name":"DAVID","last_name":"DIETZ","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":138622,"prefix":"ms","prefix_display":"MS.","first_name":"HEATHER","nickname":null,"middle_name":null,"last_name":"VOORMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":140643,"prefix":null,"prefix_display":null,"first_name":"EVAN","nickname":null,"middle_name":null,"last_name":"LOUKADAKIS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":145075,"prefix":null,"prefix_display":null,"first_name":"SAM","nickname":null,"middle_name":null,"last_name":"GILBOARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148489,"prefix":null,"prefix_display":null,"first_name":"KEN","nickname":null,"middle_name":null,"last_name":"WINGERT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152265,"prefix":"mr","prefix_display":"MR.","first_name":"SAMUEL","nickname":null,"middle_name":null,"last_name":"GAUSE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":32,"name":"Education, Dept of"},{"id":11,"name":"Executive Office of the President (EOP)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":38,"name":"Labor, Dept of (DOL)"},{"id":167,"name":"Occupational Safety & Health Administration (OSHA)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"NAT","general_issue_code_display":"Natural Resources","description":"Endangered Species Act, Building Supplies, multi-use forest management practice, H.R.471 Fix Our Forests Act","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":4205,"prefix":null,"prefix_display":null,"first_name":"JP","nickname":null,"middle_name":null,"last_name":"DELMORE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":9926,"prefix":"mr","prefix_display":"MR.","first_name":"SCOTT","nickname":null,"middle_name":"C","last_name":"MEYER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":50723,"prefix":"mr","prefix_display":"MR.","first_name":"ALEXANDER","nickname":null,"middle_name":null,"last_name":"STRONG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":30326,"prefix":"mr","prefix_display":"MR.","first_name":"JAMES","nickname":null,"middle_name":"W","last_name":"TOBIN","suffix":"iii","suffix_display":"III"},"covered_position":null,"new":false},{"lobbyist":{"id":56274,"prefix":null,"prefix_display":null,"first_name":"LAKE","nickname":null,"middle_name":null,"last_name":"COULSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":138622,"prefix":"ms","prefix_display":"MS.","first_name":"HEATHER","nickname":null,"middle_name":null,"last_name":"VOORMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":140643,"prefix":null,"prefix_display":null,"first_name":"EVAN","nickname":null,"middle_name":null,"last_name":"LOUKADAKIS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":145075,"prefix":null,"prefix_display":null,"first_name":"SAM","nickname":null,"middle_name":null,"last_name":"GILBOARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148489,"prefix":null,"prefix_display":null,"first_name":"KEN","nickname":null,"middle_name":null,"last_name":"WINGERT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152265,"prefix":"mr","prefix_display":"MR.","first_name":"SAMUEL","nickname":null,"middle_name":null,"last_name":"GAUSE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":49,"name":"Environmental Protection Agency (EPA)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":142,"name":"U.S. Fish & Wildlife Service (USFWS)"}]},{"general_issue_code":"SMB","general_issue_code_display":"Small Business","description":"Parity for construction in SBA loan programs, small business lending and tax issues, small business immigration issues, small business health care issues, regulatory reform, S.4241 Boosting Housing Supply through Small Business Act of 2026.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":4205,"prefix":null,"prefix_display":null,"first_name":"JP","nickname":null,"middle_name":null,"last_name":"DELMORE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":30326,"prefix":"mr","prefix_display":"MR.","first_name":"JAMES","nickname":null,"middle_name":"W","last_name":"TOBIN","suffix":"iii","suffix_display":"III"},"covered_position":null,"new":false},{"lobbyist":{"id":9926,"prefix":"mr","prefix_display":"MR.","first_name":"SCOTT","nickname":null,"middle_name":"C","last_name":"MEYER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":50723,"prefix":"mr","prefix_display":"MR.","first_name":"ALEXANDER","nickname":null,"middle_name":null,"last_name":"STRONG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":56274,"prefix":null,"prefix_display":null,"first_name":"LAKE","nickname":null,"middle_name":null,"last_name":"COULSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":138622,"prefix":"ms","prefix_display":"MS.","first_name":"HEATHER","nickname":null,"middle_name":null,"last_name":"VOORMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":140643,"prefix":null,"prefix_display":null,"first_name":"EVAN","nickname":null,"middle_name":null,"last_name":"LOUKADAKIS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":145075,"prefix":null,"prefix_display":null,"first_name":"SAM","nickname":null,"middle_name":null,"last_name":"GILBOARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148489,"prefix":null,"prefix_display":null,"first_name":"KEN","nickname":null,"middle_name":null,"last_name":"WINGERT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152265,"prefix":"mr","prefix_display":"MR.","first_name":"SAMUEL","nickname":null,"middle_name":null,"last_name":"GAUSE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":49,"name":"Environmental Protection Agency (EPA)"},{"id":11,"name":"Executive Office of the President (EOP)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":90,"name":"Small Business Administration (SBA)"}]},{"general_issue_code":"TAX","general_issue_code_display":"Taxation/Internal Revenue Code","description":"Housing tax incentives, the Low-Income Housing Tax Credit, estate tax, like-kind exchanges, marginal tax rates, capital gains taxes, tax exempt controlled entities, The Affordable Housing Credit Improvement Act, Neighborhood Homes Investment Act (H.R. 2854/S 1686), Tax Incentives for First-Time Home Buyers","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":4205,"prefix":null,"prefix_display":null,"first_name":"JP","nickname":null,"middle_name":null,"last_name":"DELMORE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":30326,"prefix":"mr","prefix_display":"MR.","first_name":"JAMES","nickname":null,"middle_name":"W","last_name":"TOBIN","suffix":"iii","suffix_display":"III"},"covered_position":null,"new":false},{"lobbyist":{"id":9926,"prefix":"mr","prefix_display":"MR.","first_name":"SCOTT","nickname":null,"middle_name":"C","last_name":"MEYER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":50723,"prefix":"mr","prefix_display":"MR.","first_name":"ALEXANDER","nickname":null,"middle_name":null,"last_name":"STRONG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":56274,"prefix":null,"prefix_display":null,"first_name":"LAKE","nickname":null,"middle_name":null,"last_name":"COULSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":44698,"prefix":"mr","prefix_display":"MR.","first_name":"ROBERT","nickname":null,"middle_name":"DAVID","last_name":"DIETZ","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":138622,"prefix":"ms","prefix_display":"MS.","first_name":"HEATHER","nickname":null,"middle_name":null,"last_name":"VOORMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":140643,"prefix":null,"prefix_display":null,"first_name":"EVAN","nickname":null,"middle_name":null,"last_name":"LOUKADAKIS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":145075,"prefix":null,"prefix_display":null,"first_name":"SAM","nickname":null,"middle_name":null,"last_name":"GILBOARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148489,"prefix":null,"prefix_display":null,"first_name":"KEN","nickname":null,"middle_name":null,"last_name":"WINGERT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152265,"prefix":"mr","prefix_display":"MR.","first_name":"SAMUEL","nickname":null,"middle_name":null,"last_name":"GAUSE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":11,"name":"Executive Office of the President (EOP)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"TOR","general_issue_code_display":"Torts","description":"Business legal reform, H.R. 3548 (Infrastructure Expansion Act of 2025)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":50723,"prefix":"mr","prefix_display":"MR.","first_name":"ALEXANDER","nickname":null,"middle_name":null,"last_name":"STRONG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":30326,"prefix":"mr","prefix_display":"MR.","first_name":"JAMES","nickname":null,"middle_name":"W","last_name":"TOBIN","suffix":"iii","suffix_display":"III"},"covered_position":null,"new":false},{"lobbyist":{"id":56274,"prefix":null,"prefix_display":null,"first_name":"LAKE","nickname":null,"middle_name":null,"last_name":"COULSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":4205,"prefix":null,"prefix_display":null,"first_name":"JP","nickname":null,"middle_name":null,"last_name":"DELMORE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":9926,"prefix":"mr","prefix_display":"MR.","first_name":"SCOTT","nickname":null,"middle_name":"C","last_name":"MEYER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":138622,"prefix":"ms","prefix_display":"MS.","first_name":"HEATHER","nickname":null,"middle_name":null,"last_name":"VOORMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":140643,"prefix":null,"prefix_display":null,"first_name":"EVAN","nickname":null,"middle_name":null,"last_name":"LOUKADAKIS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":145075,"prefix":null,"prefix_display":null,"first_name":"SAM","nickname":null,"middle_name":null,"last_name":"GILBOARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148489,"prefix":null,"prefix_display":null,"first_name":"KEN","nickname":null,"middle_name":null,"last_name":"WINGERT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152265,"prefix":"mr","prefix_display":"MR.","first_name":"SAMUEL","nickname":null,"middle_name":null,"last_name":"GAUSE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"CSP","general_issue_code_display":"Consumer Issues/Safety/Products","description":"Building materials, copper, lumber, gas stoves","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":30326,"prefix":"mr","prefix_display":"MR.","first_name":"JAMES","nickname":null,"middle_name":"W","last_name":"TOBIN","suffix":"iii","suffix_display":"III"},"covered_position":null,"new":false},{"lobbyist":{"id":50723,"prefix":"mr","prefix_display":"MR.","first_name":"ALEXANDER","nickname":null,"middle_name":null,"last_name":"STRONG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":56274,"prefix":null,"prefix_display":null,"first_name":"LAKE","nickname":null,"middle_name":null,"last_name":"COULSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":4205,"prefix":null,"prefix_display":null,"first_name":"JP","nickname":null,"middle_name":null,"last_name":"DELMORE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":9926,"prefix":"mr","prefix_display":"MR.","first_name":"SCOTT","nickname":null,"middle_name":"C","last_name":"MEYER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":138622,"prefix":"ms","prefix_display":"MS.","first_name":"HEATHER","nickname":null,"middle_name":null,"last_name":"VOORMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":140643,"prefix":null,"prefix_display":null,"first_name":"EVAN","nickname":null,"middle_name":null,"last_name":"LOUKADAKIS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":145075,"prefix":null,"prefix_display":null,"first_name":"SAM","nickname":null,"middle_name":null,"last_name":"GILBOARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148489,"prefix":null,"prefix_display":null,"first_name":"KEN","nickname":null,"middle_name":null,"last_name":"WINGERT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152265,"prefix":"mr","prefix_display":"MR.","first_name":"SAMUEL","nickname":null,"middle_name":null,"last_name":"GAUSE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":24,"name":"Commerce, Dept of (DOC)"},{"id":33,"name":"Energy, Dept of"},{"id":11,"name":"Executive Office of the President (EOP)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":22,"name":"U.S. Trade Representative (USTR)"}]},{"general_issue_code":"INS","general_issue_code_display":"Insurance","description":"National Flood Insurance Program, Homeowner flood insurance affordability, issues relating to H.R. 3800, the Keeping Homeownership Costs Down Act, Insurance Affordability","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":30326,"prefix":"mr","prefix_display":"MR.","first_name":"JAMES","nickname":null,"middle_name":"W","last_name":"TOBIN","suffix":"iii","suffix_display":"III"},"covered_position":null,"new":false},{"lobbyist":{"id":9926,"prefix":"mr","prefix_display":"MR.","first_name":"SCOTT","nickname":null,"middle_name":"C","last_name":"MEYER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":4205,"prefix":null,"prefix_display":null,"first_name":"JP","nickname":null,"middle_name":null,"last_name":"DELMORE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":50723,"prefix":"mr","prefix_display":"MR.","first_name":"ALEXANDER","nickname":null,"middle_name":null,"last_name":"STRONG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":56274,"prefix":null,"prefix_display":null,"first_name":"LAKE","nickname":null,"middle_name":null,"last_name":"COULSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":138622,"prefix":"ms","prefix_display":"MS.","first_name":"HEATHER","nickname":null,"middle_name":null,"last_name":"VOORMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":140643,"prefix":null,"prefix_display":null,"first_name":"EVAN","nickname":null,"middle_name":null,"last_name":"LOUKADAKIS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":145075,"prefix":null,"prefix_display":null,"first_name":"SAM","nickname":null,"middle_name":null,"last_name":"GILBOARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148489,"prefix":null,"prefix_display":null,"first_name":"KEN","nickname":null,"middle_name":null,"last_name":"WINGERT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152265,"prefix":"mr","prefix_display":"MR.","first_name":"SAMUEL","nickname":null,"middle_name":null,"last_name":"GAUSE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"CON","general_issue_code_display":"Constitution","description":"Private property rights","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":50723,"prefix":"mr","prefix_display":"MR.","first_name":"ALEXANDER","nickname":null,"middle_name":null,"last_name":"STRONG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":30326,"prefix":"mr","prefix_display":"MR.","first_name":"JAMES","nickname":null,"middle_name":"W","last_name":"TOBIN","suffix":"iii","suffix_display":"III"},"covered_position":null,"new":false},{"lobbyist":{"id":4205,"prefix":null,"prefix_display":null,"first_name":"JP","nickname":null,"middle_name":null,"last_name":"DELMORE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":56274,"prefix":null,"prefix_display":null,"first_name":"LAKE","nickname":null,"middle_name":null,"last_name":"COULSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":9926,"prefix":"mr","prefix_display":"MR.","first_name":"SCOTT","nickname":null,"middle_name":"C","last_name":"MEYER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":138622,"prefix":"ms","prefix_display":"MS.","first_name":"HEATHER","nickname":null,"middle_name":null,"last_name":"VOORMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":140643,"prefix":null,"prefix_display":null,"first_name":"EVAN","nickname":null,"middle_name":null,"last_name":"LOUKADAKIS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":145075,"prefix":null,"prefix_display":null,"first_name":"SAM","nickname":null,"middle_name":null,"last_name":"GILBOARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148489,"prefix":null,"prefix_display":null,"first_name":"KEN","nickname":null,"middle_name":null,"last_name":"WINGERT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152265,"prefix":"mr","prefix_display":"MR.","first_name":"SAMUEL","nickname":null,"middle_name":null,"last_name":"GAUSE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"TRD","general_issue_code_display":"Trade (domestic/foreign)","description":"Canadian softwood lumber. Steel/aluminum tariffs. International tariffs, S. 3943 Housing Tariff Exclusion Act.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":30326,"prefix":"mr","prefix_display":"MR.","first_name":"JAMES","nickname":null,"middle_name":"W","last_name":"TOBIN","suffix":"iii","suffix_display":"III"},"covered_position":null,"new":false},{"lobbyist":{"id":50723,"prefix":"mr","prefix_display":"MR.","first_name":"ALEXANDER","nickname":null,"middle_name":null,"last_name":"STRONG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":56274,"prefix":null,"prefix_display":null,"first_name":"LAKE","nickname":null,"middle_name":null,"last_name":"COULSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":4205,"prefix":null,"prefix_display":null,"first_name":"JP","nickname":null,"middle_name":null,"last_name":"DELMORE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":9926,"prefix":"mr","prefix_display":"MR.","first_name":"SCOTT","nickname":null,"middle_name":"C","last_name":"MEYER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":138622,"prefix":"ms","prefix_display":"MS.","first_name":"HEATHER","nickname":null,"middle_name":null,"last_name":"VOORMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":140643,"prefix":null,"prefix_display":null,"first_name":"EVAN","nickname":null,"middle_name":null,"last_name":"LOUKADAKIS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":145075,"prefix":null,"prefix_display":null,"first_name":"SAM","nickname":null,"middle_name":null,"last_name":"GILBOARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148489,"prefix":null,"prefix_display":null,"first_name":"KEN","nickname":null,"middle_name":null,"last_name":"WINGERT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152265,"prefix":"mr","prefix_display":"MR.","first_name":"SAMUEL","nickname":null,"middle_name":null,"last_name":"GAUSE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":23,"name":"Agriculture, Dept of (USDA)"},{"id":24,"name":"Commerce, Dept of (DOC)"},{"id":11,"name":"Executive Office of the President (EOP)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":36,"name":"Interior, Dept of (DOI)"},{"id":1,"name":"SENATE"},{"id":98,"name":"U.S. International Trade Commission (ITC)"},{"id":22,"name":"U.S. Trade Representative (USTR)"}]},{"general_issue_code":"DIS","general_issue_code_display":"Disaster Planning/Emergencies","description":"FAA-Reauthorization, Building Codes Flexibility, H.R.501/S.333 (the Promoting Resilient Buildings Act), H.R. 4669 (FEMA Act of 2025), H.R.1105 (The Disaster Resiliency and Coverage Act), S. 1071 (The National Defense Authorization Act for FY 26)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":30326,"prefix":"mr","prefix_display":"MR.","first_name":"JAMES","nickname":null,"middle_name":"W","last_name":"TOBIN","suffix":"iii","suffix_display":"III"},"covered_position":null,"new":false},{"lobbyist":{"id":9926,"prefix":"mr","prefix_display":"MR.","first_name":"SCOTT","nickname":null,"middle_name":"C","last_name":"MEYER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":56274,"prefix":null,"prefix_display":null,"first_name":"LAKE","nickname":null,"middle_name":null,"last_name":"COULSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":4205,"prefix":null,"prefix_display":null,"first_name":"JP","nickname":null,"middle_name":null,"last_name":"DELMORE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":50723,"prefix":"mr","prefix_display":"MR.","first_name":"ALEXANDER","nickname":null,"middle_name":null,"last_name":"STRONG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":138622,"prefix":"ms","prefix_display":"MS.","first_name":"HEATHER","nickname":null,"middle_name":null,"last_name":"VOORMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":140643,"prefix":null,"prefix_display":null,"first_name":"EVAN","nickname":null,"middle_name":null,"last_name":"LOUKADAKIS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":145075,"prefix":null,"prefix_display":null,"first_name":"SAM","nickname":null,"middle_name":null,"last_name":"GILBOARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148489,"prefix":null,"prefix_display":null,"first_name":"KEN","nickname":null,"middle_name":null,"last_name":"WINGERT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152265,"prefix":"mr","prefix_display":"MR.","first_name":"SAMUEL","nickname":null,"middle_name":null,"last_name":"GAUSE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":11,"name":"Executive Office of the President (EOP)"},{"id":56,"name":"Federal Emergency Management Agency (FEMA)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":35,"name":"Housing & Urban Development, Dept of (HUD)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"TRA","general_issue_code_display":"Transportation","description":"Build America Buy America, H.R.3898-The PERMIT Act","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":30326,"prefix":"mr","prefix_display":"MR.","first_name":"JAMES","nickname":null,"middle_name":"W","last_name":"TOBIN","suffix":"iii","suffix_display":"III"},"covered_position":null,"new":false},{"lobbyist":{"id":50723,"prefix":"mr","prefix_display":"MR.","first_name":"ALEXANDER","nickname":null,"middle_name":null,"last_name":"STRONG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":56274,"prefix":null,"prefix_display":null,"first_name":"LAKE","nickname":null,"middle_name":null,"last_name":"COULSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":9926,"prefix":"mr","prefix_display":"MR.","first_name":"SCOTT","nickname":null,"middle_name":"C","last_name":"MEYER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":4205,"prefix":null,"prefix_display":null,"first_name":"JP","nickname":null,"middle_name":null,"last_name":"DELMORE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":138622,"prefix":"ms","prefix_display":"MS.","first_name":"HEATHER","nickname":null,"middle_name":null,"last_name":"VOORMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":140643,"prefix":null,"prefix_display":null,"first_name":"EVAN","nickname":null,"middle_name":null,"last_name":"LOUKADAKIS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":145075,"prefix":null,"prefix_display":null,"first_name":"SAM","nickname":null,"middle_name":null,"last_name":"GILBOARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148489,"prefix":null,"prefix_display":null,"first_name":"KEN","nickname":null,"middle_name":null,"last_name":"WINGERT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152265,"prefix":"mr","prefix_display":"MR.","first_name":"SAMUEL","nickname":null,"middle_name":null,"last_name":"GAUSE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":11,"name":"Executive Office of the President (EOP)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":18,"name":"Office of Management & Budget (OMB)"}]},{"general_issue_code":"GOV","general_issue_code_display":"Government Issues","description":"REINS Act","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":30326,"prefix":"mr","prefix_display":"MR.","first_name":"JAMES","nickname":null,"middle_name":"W","last_name":"TOBIN","suffix":"iii","suffix_display":"III"},"covered_position":null,"new":false},{"lobbyist":{"id":9926,"prefix":"mr","prefix_display":"MR.","first_name":"SCOTT","nickname":null,"middle_name":"C","last_name":"MEYER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":56274,"prefix":null,"prefix_display":null,"first_name":"LAKE","nickname":null,"middle_name":null,"last_name":"COULSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":4205,"prefix":null,"prefix_display":null,"first_name":"JP","nickname":null,"middle_name":null,"last_name":"DELMORE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":50723,"prefix":"mr","prefix_display":"MR.","first_name":"ALEXANDER","nickname":null,"middle_name":null,"last_name":"STRONG","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":138622,"prefix":"ms","prefix_display":"MS.","first_name":"HEATHER","nickname":null,"middle_name":null,"last_name":"VOORMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":140643,"prefix":null,"prefix_display":null,"first_name":"EVAN","nickname":null,"middle_name":null,"last_name":"LOUKADAKIS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":145075,"prefix":null,"prefix_display":null,"first_name":"SAM","nickname":null,"middle_name":null,"last_name":"GILBOARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":148489,"prefix":null,"prefix_display":null,"first_name":"KEN","nickname":null,"middle_name":null,"last_name":"WINGERT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":152265,"prefix":"mr","prefix_display":"MR.","first_name":"SAMUEL","nickname":null,"middle_name":null,"last_name":"GAUSE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]},{"url":"https://lda.gov/api/v1/filings/c318c9d1-3085-431e-a27c-2a8ac3c52719/","filing_uuid":"c318c9d1-3085-431e-a27c-2a8ac3c52719","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/c318c9d1-3085-431e-a27c-2a8ac3c52719/print/","filing_document_content_type":"text/html","income":"60000.00","expenses":null,"expenses_method":null,"expenses_method_display":null,"posted_by_name":"Don Kent","dt_posted":"2026-04-16T12:28:20-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":null,"registrant_address_1":"601 13th St. NW","registrant_address_2":"Suite 250 N","registrant_different_address":false,"registrant_city":"Washington","registrant_state":"DC","registrant_zip":"20005","registrant":{"id":293335,"url":"https://lda.gov/api/v1/registrants/293335/","house_registrant_id":37338,"name":"THE NICKLES GROUP, LLC","description":"Consulting firm.","address_1":"601 13th St. NW","address_2":"Suite 250 N","address_3":null,"address_4":null,"city":"Washington","state":"DC","state_display":"District of Columbia","zip":"20005","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"KATHLEEN MCGHEE","contact_telephone":"+1 202-742-6990","dt_updated":"2026-07-06T11:19:03.627222-04:00"},"client":{"id":63772,"url":"https://lda.gov/api/v1/clients/63772/","client_id":63772,"name":"INTERNATIONAL CODE COUNCIL (ICC)","general_description":"Leading source of model codes and standards and building safety solutions.","client_government_entity":null,"client_self_select":false,"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":"2024-12-13"},"lobbying_activities":[{"general_issue_code":"ENG","general_issue_code_display":"Energy/Nuclear","description":"Issues relating to energy conservation codes.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":150500,"prefix":null,"prefix_display":null,"first_name":"MOLLY","nickname":null,"middle_name":null,"last_name":"FROMM","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":51079,"prefix":null,"prefix_display":null,"first_name":"JEFF","nickname":null,"middle_name":null,"last_name":"CHOUDHRY","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":33,"name":"Energy, Dept of"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"}]},{"general_issue_code":"HOU","general_issue_code_display":"Housing","description":"S, 2651, The Road to Housing Act of 2025 and H.R. 6644, Housing for the 21st Century Act, as they relate to building codes. H.R. 6270, Modular Housing Production Act.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":20062,"prefix":null,"prefix_display":null,"first_name":"RACHEL","nickname":null,"middle_name":null,"last_name":"JONES HENSLER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":52444,"prefix":null,"prefix_display":null,"first_name":"STEPHANIE","nickname":null,"middle_name":null,"last_name":"BADGER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":150500,"prefix":null,"prefix_display":null,"first_name":"MOLLY","nickname":null,"middle_name":null,"last_name":"FROMM","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"BUD","general_issue_code_display":"Budget/Appropriations","description":"FY26 priorities in Commerce Justice and Science Appropriations Act. FY27 Transportation, Housing and Urban Development (THUD).","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":51079,"prefix":null,"prefix_display":null,"first_name":"JEFF","nickname":null,"middle_name":null,"last_name":"CHOUDHRY","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":57882,"prefix":"mr","prefix_display":"MR.","first_name":"DONALD","nickname":null,"middle_name":null,"last_name":"KENT","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]},{"url":"https://lda.gov/api/v1/filings/1d2031f0-9c16-4012-91d3-815de17cbb3b/","filing_uuid":"1d2031f0-9c16-4012-91d3-815de17cbb3b","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/1d2031f0-9c16-4012-91d3-815de17cbb3b/print/","filing_document_content_type":"text/html","income":null,"expenses":"310000.00","expenses_method":"A","expenses_method_display":"A","posted_by_name":"Jill E. Hershey","dt_posted":"2026-04-16T13:17:06-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":null,"registrant_address_1":"127 PUBLIC SQUARE","registrant_address_2":"OH-01-27-0200","registrant_different_address":false,"registrant_city":"CLEVELAND","registrant_state":"OH","registrant_zip":"44114","registrant":{"id":400276327,"url":"https://lda.gov/api/v1/registrants/400276327/","house_registrant_id":40094,"name":"KEYCORP","description":"Financial Services","address_1":"127 PUBLIC SQUARE","address_2":"OH-01-27-0200","address_3":null,"address_4":null,"city":"CLEVELAND","state":"OH","state_display":"Ohio","zip":"44114","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"JILL E. HERSHEY","contact_telephone":"+1 202-452-4910","dt_updated":"2026-07-29T12:22:27.128548-04:00"},"client":{"id":188831,"url":"https://lda.gov/api/v1/clients/188831/","client_id":12,"name":"KEYCORP","general_description":null,"client_government_entity":false,"client_self_select":true,"state":"OH","state_display":"Ohio","country":"US","country_display":"United States of America","ppb_state":"OH","ppb_state_display":"Ohio","ppb_country":"US","ppb_country_display":"United States of America","effective_date":"2010-10-28"},"lobbying_activities":[{"general_issue_code":"BAN","general_issue_code_display":"Banking","description":"Matters impacting regional financial institutions Implementation of P.L. 119-27, the GENIUS Act Discussions around market structure for digital assets HR 3074, The Common Cents Act HR 6553, The TIER Act General discussions related to deposit insurance Credit Card Interchange General discussions related to prevention of consumer fraud","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":66290,"prefix":null,"prefix_display":null,"first_name":"JILL","nickname":null,"middle_name":null,"last_name":"HERSHEY","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"HOU","general_issue_code_display":"Housing","description":"S. 2651, the ROAD to Housing Act H.R. 6644, the 21st Century ROAD to Housing Act H.R. 5914 and S. 2464, the Community Investment and Prosperity Act","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":66290,"prefix":null,"prefix_display":null,"first_name":"JILL","nickname":null,"middle_name":null,"last_name":"HERSHEY","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]},{"url":"https://lda.gov/api/v1/filings/0d6fbfb8-be6c-4dbb-addc-99561d6c97c9/","filing_uuid":"0d6fbfb8-be6c-4dbb-addc-99561d6c97c9","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/0d6fbfb8-be6c-4dbb-addc-99561d6c97c9/print/","filing_document_content_type":"text/html","income":null,"expenses":"940000.00","expenses_method":"A","expenses_method_display":"A","posted_by_name":"MICHAEL R. SMYTHERS, JR.","dt_posted":"2026-04-16T13:51:50-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":null,"registrant_address_1":"500 NEW JERSEY AVENUE, NW","registrant_address_2":"SUITE 550","registrant_different_address":false,"registrant_city":"WASHINGTON","registrant_state":"DC","registrant_zip":"20001","registrant":{"id":7441,"url":"https://lda.gov/api/v1/registrants/7441/","house_registrant_id":31583,"name":"BNSF RAILWAY COMPANY","description":null,"address_1":"500 NEW JERSEY AVENUE, NW","address_2":"SUITE 550","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":"MICHAEL SMYTHERS","contact_telephone":"+1 202-347-8662","dt_updated":"2026-07-27T12:59:36.596961-04:00"},"client":{"id":110739,"url":"https://lda.gov/api/v1/clients/110739/","client_id":12,"name":"BNSF RAILWAY COMPANY","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":"2007-08-10"},"lobbying_activities":[{"general_issue_code":"RRR","general_issue_code_display":"Railroads","description":"Issues pertaining to Passenger Rail. Issues pertaining to Railroad Safety. Issues pertaining to Permit Reform. Issues pertaining to Regulatory Improvement. Issues pertaining to preserving balanced economic regulation. Issues related to federal transportation-related nominations. Issues related to international railway crossings and U.S. Customs and Border Protection. Issues related to security and rail freight transportation at the U.S.-Mexico and U.S.-Canada borders. Issues related to Law Enforcement Officers Safety Act Issues related to Executive Branch Nominees Issues pertaining to railroad competition and consolidation Issues related to steel rail S. 323, PLAN for Broadband Act, All matters pertaining to the railroad H.R.971,RAILAct, All matters pertaining to the railroad H.R.341, Railroad Responsibility Act of 2025, All matters pertaining to the railroad H.R.1200, FreightRAILCAR Act of 2025, All matters pertaining to the railroad H.R.853, Assistance for Local Heroes During Train Crises Act, All matters pertaining to the railroad H.R. 3898, Promoting Efficient Review for Modern Infrastructure Today (PERMIT) Act, All matters pertaining to the railroad H.R.2569, Train Noise and Vibrations Reduction Act of 2025, All matters pertaining to the railroad H.R. 4092, Protect RAIL Act, All matters pertaining to the railroad H.R.5135, Train Crew Choice Act, All matters pertaining to the railroad H.R.5286, Humane Transport of Farmed Animals Act, All matters pertaining to the railroad H.R.4924, Rails to Trails Landowner Rights Act, All matters pertaining to the railroad H.R.4790, All Aboard Act of 2025, All matters pertaining to the railroad S.2520, All Aboard Act of 2025, All matters pertaining to the railroad H.R.4756, Freights First Act, All matters pertaining to the railroad H.R.4095, Railroad Yardmaster Protection Act of 2025, All matters pertaining to the railroad S.3268, Broadband and Telecommunications RAIL Act, All matters pertaining to the railroad H.R.6046, Broadband and Telecommunications RAIL Act, All matters pertaining to the railroad H.R.6064, Protecting Homes from Trains Act of 2025, All matters pertaining to the railroad H.R.5783, State Actions For Employing Transportation Risk Assessments and Crossing Knowledge Strategies Act, All matters pertaining to the railroad Draft of Rail and Highway Transmission Planning Act, All matters pertaining to the railroad H.R. 8012, HOWIE Act, All matters pertaining to the railroad S. 3987, Secure Tracks Act, All matters pertaining to the railroad H.R. 928, Railway Safety Act of 2025, All matters pertaining to the railroad S. 3903, Railway Safety Act of 2026, All matters pertaining to the railroad H.R. 7662, Railroad Safety Enhancement Act of 2026, All matters pertaining to the railroad H.R. 7358, SaferRailCrossing Act of 2026, All matters pertaining to the railroad H.R. 7011, To require the Administrator of the Federal Railroad Administration to submit to Congress a report on the rate and causes of rail tank car pressure relief device failures, and for other purposes, All matters pertaining to the railroad H.R. 7405, Railand Highway Transmission Planning Act, All matters pertaining to the railroad","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":46527,"prefix":null,"prefix_display":null,"first_name":"MICHAEL","nickname":null,"middle_name":"R","last_name":"SMYTHERS","suffix":"jr","suffix_display":"JR"},"covered_position":null,"new":false},{"lobbyist":{"id":54849,"prefix":"mr","prefix_display":"MR.","first_name":"JUSTIN","nickname":null,"middle_name":"T","last_name":"WORMMEESTER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":56848,"prefix":null,"prefix_display":null,"first_name":"GAEL","nickname":null,"middle_name":null,"last_name":"SULLIVAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":174,"name":"Federal Railroad Administration"},{"id":201,"name":"Homeland Security, Dept of (DHS)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":18,"name":"Office of Management & Budget (OMB)"},{"id":1,"name":"SENATE"},{"id":181,"name":"Surface Transportation Board (STB)"},{"id":40,"name":"Transportation, Dept of (DOT)"},{"id":12,"name":"White House Office"}]},{"general_issue_code":"TRA","general_issue_code_display":"Transportation","description":"Issues pertaining to transportation infrastructure-related grant programs. Issues pertaining to the transportation of energy commodities. Issues pertaining to federal truck size and weight limits. Issues pertaining to surface transportation funding. Issues pertaining to transportation automation. Issues pertaining to right of way and unmanned aircraft systems. Issues pertaining to the intermodal freight supply chain. Issues pertaining to alternative transportation fuels. H.R.3505, Barriers to Suicide Act of 2025, All matters pertaining to the railroad H.R.3647, SAFE CROSS Act, All matters pertaining to the railroad S.2104, Reliable Rail Service Act of 2025, All matters pertaining to the railroad H.R.6348, Transportation Assistance for Olympic and World Cup Cities Act of 2025, All matters pertaining to the railroad H.R. 6531, Bridges Not Bumpers Act of 2025, All matters pertaining to the railroad S. 1259, Manifest Modernization Act of 2025, All matters pertaining to the railroad H.R. 2653, Manifest Modernization Act of 2025, All matters pertaining to the railroad H.R. 5475, No Tax on Overtime for All Workers Act, All matters pertaining to the railroad H.R. 4776, SPEED Act, All matters pertaining to the railroad H.R. 7567, theFarm, Food, and National Security Act of 2026, All matters pertaining to the railroad","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":46527,"prefix":null,"prefix_display":null,"first_name":"MICHAEL","nickname":null,"middle_name":"R","last_name":"SMYTHERS","suffix":"jr","suffix_display":"JR"},"covered_position":null,"new":false},{"lobbyist":{"id":54849,"prefix":"mr","prefix_display":"MR.","first_name":"JUSTIN","nickname":null,"middle_name":"T","last_name":"WORMMEESTER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":56848,"prefix":null,"prefix_display":null,"first_name":"GAEL","nickname":null,"middle_name":null,"last_name":"SULLIVAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":172,"name":"Federal Aviation Administration (FAA)"},{"id":174,"name":"Federal Railroad Administration"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":40,"name":"Transportation, Dept of (DOT)"},{"id":12,"name":"White House Office"}]},{"general_issue_code":"ENV","general_issue_code_display":"Environment/Superfund","description":"Issues pertaining to regulatory improvement. Issues pertaining to permit reform and Clean Water Act. Issues pertaining to Clean Air Act and locomotive emissions. H.R.2218, STOP CARB Act of 2025, All matters pertaining to the railroad S.1072, STOP CARB Act of 2025, All matters pertaining to the railroad S. 1779, LOCOMOTIVES Act, All matters pertaining to the railroad H.R.3194, LOCOMOTIVES Act, All matters pertaining to the railroad","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":46527,"prefix":null,"prefix_display":null,"first_name":"MICHAEL","nickname":null,"middle_name":"R","last_name":"SMYTHERS","suffix":"jr","suffix_display":"JR"},"covered_position":null,"new":false},{"lobbyist":{"id":56848,"prefix":null,"prefix_display":null,"first_name":"GAEL","nickname":null,"middle_name":null,"last_name":"SULLIVAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":54849,"prefix":"mr","prefix_display":"MR.","first_name":"JUSTIN","nickname":null,"middle_name":"T","last_name":"WORMMEESTER","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":15,"name":"Council on Environmental Quality (CEQ)"},{"id":49,"name":"Environmental Protection Agency (EPA)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"TAX","general_issue_code_display":"Taxation/Internal Revenue Code","description":"Issues related to traditional tax extenders. Issues related to the Sustainable Aviation Fuel Tax Credit. S.187, ALIGN Act, Issues related to bonus depreciation H.R.574, ALIGN Act, Issues related to bonus depreciation H.R.3363, To amend the Internal Revenue Code of 1986 to impose a tax on United States-bound circumvented cargo through Canada or Mexico and entering the United States, All matters pertaining to the railroad H.R. 6644, 21st Century ROAD to Housing Act, All matters pertaining to the railroad","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":46527,"prefix":null,"prefix_display":null,"first_name":"MICHAEL","nickname":null,"middle_name":"R","last_name":"SMYTHERS","suffix":"jr","suffix_display":"JR"},"covered_position":null,"new":false},{"lobbyist":{"id":54849,"prefix":"mr","prefix_display":"MR.","first_name":"JUSTIN","nickname":null,"middle_name":"T","last_name":"WORMMEESTER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":56848,"prefix":null,"prefix_display":null,"first_name":"GAEL","nickname":null,"middle_name":null,"last_name":"SULLIVAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"BUD","general_issue_code_display":"Budget/Appropriations","description":"Issues related to various transportation policy and funding. Issues pertaining to rail cargo theft. H.R. 4213, Department of Homeland Security Appropriations Act, 2026, All matters pertaining to the railroad H.R. 5342, Commerce, Justice, Science, and Related Agencies Appropriations Act, 2026, All matters pertaining to the railroad S. 2354, Commerce, Justice, Science, and Related Agencies Appropriations Act, 2026, All matters pertaining to the railroad H.R.4552, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2026, All matters pertaining to the railroad S.2465, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2026, All matters pertaining to the railroad H.R. 7148, Consolidated Appropriations Act, 2026. All matters pertaining to the railroad.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":46527,"prefix":null,"prefix_display":null,"first_name":"MICHAEL","nickname":null,"middle_name":"R","last_name":"SMYTHERS","suffix":"jr","suffix_display":"JR"},"covered_position":null,"new":false},{"lobbyist":{"id":56848,"prefix":null,"prefix_display":null,"first_name":"GAEL","nickname":null,"middle_name":null,"last_name":"SULLIVAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":54849,"prefix":"mr","prefix_display":"MR.","first_name":"JUSTIN","nickname":null,"middle_name":"T","last_name":"WORMMEESTER","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"LBR","general_issue_code_display":"Labor Issues/Antitrust/Workplace","description":"Issues pertaining to collective bargaining and the Railway Labor Act. S. 3867, Holiday Pay Act, All matters pertaining to the railroad","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":46527,"prefix":null,"prefix_display":null,"first_name":"MICHAEL","nickname":null,"middle_name":"R","last_name":"SMYTHERS","suffix":"jr","suffix_display":"JR"},"covered_position":null,"new":false},{"lobbyist":{"id":54849,"prefix":"mr","prefix_display":"MR.","first_name":"JUSTIN","nickname":null,"middle_name":"T","last_name":"WORMMEESTER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":56848,"prefix":null,"prefix_display":null,"first_name":"GAEL","nickname":null,"middle_name":null,"last_name":"SULLIVAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":40,"name":"Transportation, Dept of (DOT)"},{"id":12,"name":"White House Office"}]},{"general_issue_code":"HOM","general_issue_code_display":"Homeland Security","description":"S.578, BEST Facilitation Act, All matters pertaining to the railroad H.R.1294, BESTFacilitationAct, All matters pertaining to the railroad Issues pertaining to railroad cargo theft","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":46527,"prefix":null,"prefix_display":null,"first_name":"MICHAEL","nickname":null,"middle_name":"R","last_name":"SMYTHERS","suffix":"jr","suffix_display":"JR"},"covered_position":null,"new":false},{"lobbyist":{"id":54849,"prefix":"mr","prefix_display":"MR.","first_name":"JUSTIN","nickname":null,"middle_name":"T","last_name":"WORMMEESTER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":56848,"prefix":null,"prefix_display":null,"first_name":"GAEL","nickname":null,"middle_name":null,"last_name":"SULLIVAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":201,"name":"Homeland Security, Dept of (DHS)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":12,"name":"White House Office"}]},{"general_issue_code":"TRD","general_issue_code_display":"Trade (domestic/foreign)","description":"Issues related to trade and tariffs Issues related to Section 301 Trade Investigations","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":46527,"prefix":null,"prefix_display":null,"first_name":"MICHAEL","nickname":null,"middle_name":"R","last_name":"SMYTHERS","suffix":"jr","suffix_display":"JR"},"covered_position":null,"new":false},{"lobbyist":{"id":54849,"prefix":"mr","prefix_display":"MR.","first_name":"JUSTIN","nickname":null,"middle_name":"T","last_name":"WORMMEESTER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":56848,"prefix":null,"prefix_display":null,"first_name":"GAEL","nickname":null,"middle_name":null,"last_name":"SULLIVAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":24,"name":"Commerce, Dept of (DOC)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":22,"name":"U.S. Trade Representative (USTR)"},{"id":12,"name":"White House Office"}]},{"general_issue_code":"LAW","general_issue_code_display":"Law Enforcement/Crime/Criminal Justice","description":"S.679, LEOSA Reform Act, All matters pertaining to railroad H.R.2243, LEOSA Reform Act, All matters pertaining to railroad H.R.2853, Combating Organized Retail Crime Act of 2025, All matters pertaining to railroad S.1404, Combating Organized Retail Crime Act, All matters pertaining to railroad Issues pertaining to railroad cargo theft","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":46527,"prefix":null,"prefix_display":null,"first_name":"MICHAEL","nickname":null,"middle_name":"R","last_name":"SMYTHERS","suffix":"jr","suffix_display":"JR"},"covered_position":null,"new":false},{"lobbyist":{"id":54849,"prefix":"mr","prefix_display":"MR.","first_name":"JUSTIN","nickname":null,"middle_name":"T","last_name":"WORMMEESTER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":56848,"prefix":null,"prefix_display":null,"first_name":"GAEL","nickname":null,"middle_name":null,"last_name":"SULLIVAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":201,"name":"Homeland Security, Dept of (DHS)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":37,"name":"Justice, Dept of (DOJ)"},{"id":1,"name":"SENATE"},{"id":40,"name":"Transportation, Dept of (DOT)"},{"id":12,"name":"White House Office"}]},{"general_issue_code":"DEF","general_issue_code_display":"Defense","description":"S.2296, National Defense Authorization Act for Fiscal Year 2026, Issues pertaining to rail cargo theft","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":46527,"prefix":null,"prefix_display":null,"first_name":"MICHAEL","nickname":null,"middle_name":"R","last_name":"SMYTHERS","suffix":"jr","suffix_display":"JR"},"covered_position":null,"new":false},{"lobbyist":{"id":54849,"prefix":"mr","prefix_display":"MR.","first_name":"JUSTIN","nickname":null,"middle_name":"T","last_name":"WORMMEESTER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":56848,"prefix":null,"prefix_display":null,"first_name":"GAEL","nickname":null,"middle_name":null,"last_name":"SULLIVAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]},{"url":"https://lda.gov/api/v1/filings/9d85d815-9dfb-4998-a669-9b442295d20e/","filing_uuid":"9d85d815-9dfb-4998-a669-9b442295d20e","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/9d85d815-9dfb-4998-a669-9b442295d20e/print/","filing_document_content_type":"text/html","income":"60000.00","expenses":null,"expenses_method":null,"expenses_method_display":null,"posted_by_name":"Jennifer Holmes","dt_posted":"2026-04-17T09:15:54-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":null,"registrant_address_1":"418 C St NE","registrant_address_2":null,"registrant_different_address":false,"registrant_city":"Washington","registrant_state":"DC","registrant_zip":"20002","registrant":{"id":400774330,"url":"https://lda.gov/api/v1/registrants/400774330/","house_registrant_id":null,"name":"S-3 GROUP","description":"Government consulting firm","address_1":"418 C St NE","address_2":null,"address_3":null,"address_4":null,"city":"Washington","state":"DC","state_display":"District of Columbia","zip":"20002","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"JENNIFER HOLMES","contact_telephone":"+1 202-819-5036","dt_updated":"2026-07-25T19:32:13.062375-04:00"},"client":{"id":57472,"url":"https://lda.gov/api/v1/clients/57472/","client_id":57472,"name":"STANDARD INDUSTRIES LTD.","general_description":"Global industrial company","client_government_entity":null,"client_self_select":false,"state":"NY","state_display":"New York","country":"US","country_display":"United States of America","ppb_state":"NY","ppb_state_display":"New York","ppb_country":"US","ppb_country_display":"United States of America","effective_date":"2023-09-01"},"lobbying_activities":[{"general_issue_code":"MAN","general_issue_code_display":"Manufacturing","description":"Issues regarding protecting domestic manufacturing jobs","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":65617,"prefix":null,"prefix_display":null,"first_name":"KATE","nickname":null,"middle_name":null,"last_name":"DICKENS","suffix":null,"suffix_display":null},"covered_position":"Chief of Staff, US Sen Mark Kirk; Leg Director, Rep Mike Castle; Foreign Policy Adv, Rep. Connie Morella","new":false},{"lobbyist":{"id":107322,"prefix":null,"prefix_display":null,"first_name":"OLIVIA","nickname":null,"middle_name":null,"last_name":"KURTZ","suffix":null,"suffix_display":null},"covered_position":"Chief of Staff, Leg Director, Dep Leg Director, Sr Leg Asst, US Sen Susan Collins; Dep Staff Dir, Sen Special Comm on Aging; Leg Director, Sr Leg Asst, Leg Asst, Exec Asst, Rep Mike Castle","new":false},{"lobbyist":{"id":67822,"prefix":null,"prefix_display":null,"first_name":"MATT","nickname":null,"middle_name":null,"last_name":"BRAVO","suffix":null,"suffix_display":null},"covered_position":"Director of Floor Operations for Maj. Whip Steve Scalise; Prof Staff, E&C; Floor Asst to Maj. Leader Eric Cantor","new":false},{"lobbyist":{"id":59995,"prefix":null,"prefix_display":null,"first_name":"MARTIN","nickname":null,"middle_name":null,"last_name":"DELGADO","suffix":null,"suffix_display":null},"covered_position":"Staff Dir, House Ag Approps, MilCon/VA Approps; Prof Staff, House Ag Approps, Senate Interior Approps; Budget Analysis, USDA APHIS","new":false},{"lobbyist":{"id":101409,"prefix":null,"prefix_display":null,"first_name":"MICHAEL","nickname":null,"middle_name":null,"last_name":"LONG","suffix":null,"suffix_display":null},"covered_position":"Director of Member Services, Senior Advisor for SpeakerNancy Pelosi; Dep. Floor Director and Advisor, Dem Leader Nancy Pelosi; Special Asst and Staff Asst for Speaker Nancy Pelosi","new":false},{"lobbyist":{"id":70446,"prefix":null,"prefix_display":null,"first_name":"KEVIN","nickname":null,"middle_name":null,"last_name":"CASEY","suffix":null,"suffix_display":null},"covered_position":"Senior Pol Dir, Dem Caucus; Counselor, Leg. Dir, Leg. Asst, Rep. Joseph Crowley; Staff Asst, Leg. Correspondent, Rep. Bob Weygand","new":false},{"lobbyist":{"id":108841,"prefix":null,"prefix_display":null,"first_name":"JOSE","nickname":null,"middle_name":null,"last_name":"CEBALLOS","suffix":null,"suffix_display":null},"covered_position":"Senior Advisor to the Secretary, Dept of Transportation; Special Assistant to the Secretary, Dept of Transportation; Confidential Assistant, Office of the Secretary, Business Liaison, Dept of Commerce","new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"HOU","general_issue_code_display":"Housing","description":"Issues relating to H.R. 6644; S. 2296; and S. 2651","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":65617,"prefix":null,"prefix_display":null,"first_name":"KATE","nickname":null,"middle_name":null,"last_name":"DICKENS","suffix":null,"suffix_display":null},"covered_position":"Chief of Staff, US Sen Mark Kirk; Leg Director, Rep Mike Castle; Foreign Policy Adv, Rep. Connie Morella","new":false},{"lobbyist":{"id":107322,"prefix":null,"prefix_display":null,"first_name":"OLIVIA","nickname":null,"middle_name":null,"last_name":"KURTZ","suffix":null,"suffix_display":null},"covered_position":"Chief of Staff, Leg Director, Dep Leg Director, Sr Leg Asst, US Sen Susan Collins; Dep Staff Dir, Sen Special Comm on Aging; Leg Director, Sr Leg Asst, Leg Asst, Exec Asst, Rep Mike Castle","new":false},{"lobbyist":{"id":67822,"prefix":null,"prefix_display":null,"first_name":"MATT","nickname":null,"middle_name":null,"last_name":"BRAVO","suffix":null,"suffix_display":null},"covered_position":"Director of Floor Operations for Maj. Whip Steve Scalise; Prof Staff, E&C; Floor Asst to Maj. Leader Eric Cantor","new":false},{"lobbyist":{"id":59995,"prefix":null,"prefix_display":null,"first_name":"MARTIN","nickname":null,"middle_name":null,"last_name":"DELGADO","suffix":null,"suffix_display":null},"covered_position":"Staff Dir, House Ag Approps, MilCon/VA Approps; Prof Staff, House Ag Approps, Senate Interior Approps; Budget Analysis, USDA APHIS","new":false},{"lobbyist":{"id":101409,"prefix":null,"prefix_display":null,"first_name":"MICHAEL","nickname":null,"middle_name":null,"last_name":"LONG","suffix":null,"suffix_display":null},"covered_position":"Director of Member Services, Senior Advisor for Speaker Nancy Pelosi; Dep. Floor Director and Advisor, Dem Leader Nancy Pelosi; Special Asst and Staff Asst for Speaker Nancy Pelosi","new":false},{"lobbyist":{"id":70446,"prefix":null,"prefix_display":null,"first_name":"KEVIN","nickname":null,"middle_name":null,"last_name":"CASEY","suffix":null,"suffix_display":null},"covered_position":"Senior Pol Dir, Dem Caucus; Counselor, Leg. Dir, Leg. Asst, Rep. Joseph Crowley; Staff Asst, Leg. Correspondent, Rep. Bob Weygand","new":false},{"lobbyist":{"id":108841,"prefix":null,"prefix_display":null,"first_name":"JOSE","nickname":null,"middle_name":null,"last_name":"CEBALLOS","suffix":null,"suffix_display":null},"covered_position":"Senior Advisor to the Secretary, Dept of Transportation; Special Assistant to the Secretary, Dept of Transportation; Confidential Assistant, Office of the Secretary, Business Liaison, Dept of Commerce","new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]},{"url":"https://lda.gov/api/v1/filings/38e4a8b6-077b-4e54-987f-c1ff9cab3ac5/","filing_uuid":"38e4a8b6-077b-4e54-987f-c1ff9cab3ac5","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/38e4a8b6-077b-4e54-987f-c1ff9cab3ac5/print/","filing_document_content_type":"text/html","income":null,"expenses":"120000.00","expenses_method":"A","expenses_method_display":"A","posted_by_name":"Adam Schafenberg","dt_posted":"2026-04-17T09:51:17-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":null,"registrant_address_1":"2101 Webster St, Suite 1300","registrant_address_2":null,"registrant_different_address":false,"registrant_city":"Oakland","registrant_state":"CA","registrant_zip":"94612","registrant":{"id":35274,"url":"https://lda.gov/api/v1/registrants/35274/","house_registrant_id":32466,"name":"SIERRA CLUB","description":null,"address_1":"2101 Webster St, Suite 1300","address_2":null,"address_3":null,"address_4":null,"city":"Oakland","state":"CA","state_display":"California","zip":"94612","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"ADAM SCHAFENBERG","contact_telephone":"+1 202-547-1141","dt_updated":"2026-07-07T10:05:17.429739-04:00"},"client":{"id":143854,"url":"https://lda.gov/api/v1/clients/143854/","client_id":12,"name":"SIERRA CLUB","general_description":null,"client_government_entity":false,"client_self_select":true,"state":"CA","state_display":"California","country":"US","country_display":"United States of America","ppb_state":"CA","ppb_state_display":"California","ppb_country":"US","ppb_country_display":"United States of America","effective_date":"2007-08-14"},"lobbying_activities":[{"general_issue_code":"ENV","general_issue_code_display":"Environment/Superfund","description":"HOUSE: H.R.5301: PIPES Act of 2025 (Oppose) H.R. 6782: Public Health Air Quality Act (Support) SENATE: S.3529: Public Health Air Quality Act (Support) NYI: NYI: PROVE IT Act (Support)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":145374,"prefix":"ms","prefix_display":"MS.","first_name":"MELINDA","nickname":null,"middle_name":"CATHERINE","last_name":"PIERCE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":145315,"prefix":"mr","prefix_display":"MR.","first_name":"HARRISON","nickname":"HARRY","middle_name":null,"last_name":"MANIN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":78518,"prefix":null,"prefix_display":null,"first_name":"PATRICK","nickname":null,"middle_name":null,"last_name":"DRUPP","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":22,"name":"U.S. Trade Representative (USTR)"}]},{"general_issue_code":"BUD","general_issue_code_display":"Budget/Appropriations","description":"HOUSE: H.R. 5371: Continuing Appropriations and Extensions Act, 2026 (Oppose) SENATE: S. 2822: Continuing Appropriations and Extensions and Other Matters Act, 2026 (Support)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":78518,"prefix":null,"prefix_display":null,"first_name":"PATRICK","nickname":null,"middle_name":null,"last_name":"DRUPP","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":146195,"prefix":null,"prefix_display":null,"first_name":"MAHYAR","nickname":null,"middle_name":null,"last_name":"SOROUR","suffix":null,"suffix_display":null},"covered_position":null,"new":true},{"lobbyist":{"id":8577,"prefix":null,"prefix_display":null,"first_name":"ATHAN","nickname":null,"middle_name":null,"last_name":"MANUEL","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":145374,"prefix":"ms","prefix_display":"MS.","first_name":"MELINDA","nickname":null,"middle_name":"CATHERINE","last_name":"PIERCE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":22,"name":"U.S. Trade Representative (USTR)"}]},{"general_issue_code":"ENG","general_issue_code_display":"Energy/Nuclear","description":"HOUSE: H.R. 2486: Heating and Cooling Relief Act (Support) H.R 4162: Community Solar Consumer Choice Act (Support) H.R. 1047: Guaranteeing Reliability through the Interconnection of Dispatchable Power Act (GRID Power Act) (Oppose) H.R. 4626: Dont Mess With My Home Appliances Act (Oppose) H.R. 3699: Energy Choice Act (Oppose) H.R. 4785: Ethics in Energy Act of 2025 (Support) H.R. 5184: Affordable HOMES Act (Oppose) H.R. 4593: SHOWER Act (Oppose) H.R. 4690: Reliable Federal Infrastructure Act (Oppose) H.R. 5489: Future Generations Protection Act (Support) H.R. 7197: Energy Bills Relief Act (Support) H.R. 5862: American Energy Independence and Affordability Act (Support) H.R. 7821: Promoting Reduction of Emissions through Landscaping Equipment Act (Support) SENATE: S. 3918: Advancing GETs Act of 2025 (Support) S. 405: Heating and Cooling Relief Act (Support) S. 2182: Community Solar Consumer Choice Act (Support) S. 2905: Pipeline Safety Act of 2025 (Watching) S. 3545: Lowering American Energy Costs Act (Support) S.J. Res.80: Resolution of disapproval CRA on the NPRA in AK (Oppose) NYI: NYI: AI energy consumption data collection bill (Neutral) NYI: Clean Cloud Act (Support) NYI: Senate Ethics in Energy (Support) NYI: Permitting Reform Package (Neutral)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":146195,"prefix":null,"prefix_display":null,"first_name":"MAHYAR","nickname":null,"middle_name":null,"last_name":"SOROUR","suffix":null,"suffix_display":null},"covered_position":null,"new":true},{"lobbyist":{"id":78518,"prefix":null,"prefix_display":null,"first_name":"PATRICK","nickname":null,"middle_name":null,"last_name":"DRUPP","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":144458,"prefix":null,"prefix_display":null,"first_name":"XAVIER","nickname":null,"middle_name":null,"last_name":"BOATRIGHT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":153416,"prefix":null,"prefix_display":null,"first_name":"MELINDA","nickname":null,"middle_name":null,"last_name":null,"suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":22,"name":"U.S. Trade Representative (USTR)"}]},{"general_issue_code":"NAT","general_issue_code_display":"Natural Resources","description":"HOUSE: H.R. 471: Fix Our Forests Act (Oppose) H.R. 718: Public Lands in Public Hands Act (Support) H.R. 3930: Roadless Area Conservation Act (Support) H.R. 2843: Reconciliation in Place Names Act (Support) H.R. 5541: Every Kid Outdoors Act (Support) H.R. 178: To require the Secretary of Agriculture to carry out activities to suppress wildfires, and for other purposes. (Oppose) H.R. 5489: Future Generations Protection Act (Support) H.R. 2709: Save Our Sequoias Act (Neutral) SENATE: S. 1462: Fix Our Forests Act (Oppose) S. 950: Save Our Forests Act of 2025: (Support) S. 949: Protect our Parks Act of 2025 (Support) S. 1051: Historic Greenwood District-Black Wall Street National Monument Act (Support) S. 2042: Roadless Area Conservation Act (Support) S. 2894: Reconciliation in Place Names Act (Support) S. 140: Wildfire Prevention Act (Oppose) S. 4103: Save Our Sequoias Act (Neutral) S.J. Res 80: Resolution of disapproval CRA on the NPRA in AK (Oppose) NYI: NYI: Biomass and Biogas for Electric Vehicles Act (Oppose) NYI: Transparency in Legacy Road and Trail Remediation Act (Support) NYI: America the Beautiful Act (Support) NYI: Public Lands in Public Hands (Support) NYI: Living Schoolyards Act (Support)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":8577,"prefix":null,"prefix_display":null,"first_name":"ATHAN","nickname":null,"middle_name":null,"last_name":"MANUEL","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":145374,"prefix":"ms","prefix_display":"MS.","first_name":"MELINDA","nickname":null,"middle_name":"CATHERINE","last_name":"PIERCE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":22,"name":"U.S. Trade Representative (USTR)"}]},{"general_issue_code":"DIS","general_issue_code_display":"Disaster Planning/Emergencies","description":"HOUSE: H.R. 582: Community Protection and Wildfire Resilience Act (Support) H.R. 1105: Disaster Resiliency and Coverage Act (Support) H.R. 948: SAFE HOME Act (Support) SENATE: S. 1323: FIREWALL Act (Support) S. 902: Wildfire Response and Preparedness Act (Oppose) S 3609: Community Protection and Wildfire Resilience Act (Support)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":8577,"prefix":null,"prefix_display":null,"first_name":"ATHAN","nickname":null,"middle_name":null,"last_name":"MANUEL","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":22,"name":"U.S. Trade Representative (USTR)"}]},{"general_issue_code":"EDU","general_issue_code_display":"Education","description":"HOUSE: H.R.5541: Every Kids Outdoors Act (Support) NYI: NYI: Living Schoolyards Act (Support)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":8577,"prefix":null,"prefix_display":null,"first_name":"ATHAN","nickname":null,"middle_name":null,"last_name":"MANUEL","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":22,"name":"U.S. Trade Representative (USTR)"}]},{"general_issue_code":"SCI","general_issue_code_display":"Science/Technology","description":"HOUSE: H.R. 1534: IMPACT Act (Support)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":145315,"prefix":"mr","prefix_display":"MR.","first_name":"HARRISON","nickname":"HARRY","middle_name":null,"last_name":"MANIN","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":22,"name":"U.S. Trade Representative (USTR)"}]},{"general_issue_code":"MAR","general_issue_code_display":"Marine/Maritime/Boating/Fisheries","description":"NYI: NYI: To amend the Marine Mammal Protection Act of 1972 (Oppose)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":8577,"prefix":null,"prefix_display":null,"first_name":"ATHAN","nickname":null,"middle_name":null,"last_name":"MANUEL","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":22,"name":"U.S. Trade Representative (USTR)"}]},{"general_issue_code":"FIN","general_issue_code_display":"Financial Institutions/Investments/Securities","description":"HOUSE: H.R. 7061: Big Oil Windfall Profits Act (Support) SENATE: S. 4111: Big Oil Windfall Profits Tax Act (Support","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":146195,"prefix":null,"prefix_display":null,"first_name":"MAHYAR","nickname":null,"middle_name":null,"last_name":"SOROUR","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":22,"name":"U.S. Trade Representative (USTR)"}]},{"general_issue_code":"HOU","general_issue_code_display":"Housing","description":"HOUSE: H.R. 6644: 21st Century ROAD to Housing Act (Oppose) SENATE: S. 2651: 21st Century ROAD to Housing Act (Oppose)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":144458,"prefix":null,"prefix_display":null,"first_name":"XAVIER","nickname":null,"middle_name":null,"last_name":"BOATRIGHT","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":22,"name":"U.S. Trade Representative (USTR)"}]},{"general_issue_code":"ANI","general_issue_code_display":"Animals","description":"HOUSE: H.R. 845: Pet and Livestock Protection Act (Oppose) H.R. 1897: ESA Amendments Act of 2025 (Oppose) H.R. 281: Grizzly Bear State Management Act (Oppose) H.R. 2073: Defending Our Dams Act (Oppose) H.R. 4255: Enhancing Safety for Animals Act of 2025 (Oppose) H.R. 180: Endangered Species Transparency and Reasonableness Act of 2025 (Oppose) H.J. Res. 111: Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the United States Fish and Wildlife Service relating to \"Barred Owl Management Strategy\". (Oppose) SENATE: S. 316: Grizzly Bear State Managment Act (Oppose)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":8577,"prefix":null,"prefix_display":null,"first_name":"ATHAN","nickname":null,"middle_name":null,"last_name":"MANUEL","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":22,"name":"U.S. Trade Representative (USTR)"}]},{"general_issue_code":"AGR","general_issue_code_display":"Agriculture","description":"HOUSE: H.R. 1500: Building Native Habitats at Federal Facilities Act (Support)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":8577,"prefix":null,"prefix_display":null,"first_name":"ATHAN","nickname":null,"middle_name":null,"last_name":"MANUEL","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":22,"name":"U.S. Trade Representative (USTR)"}]},{"general_issue_code":"MAN","general_issue_code_display":"Manufacturing","description":"HOUSE: H.R. 2122: IMPACT Act 2.0 (Support) SENATE: S. 1067: Concrete and Asphalt Innovation Act (Support) NYI: NYI: Steel Modernization Act (Support) NYI: Low-Emissions steel and iron bill (Support)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":145315,"prefix":"mr","prefix_display":"MR.","first_name":"HARRISON","nickname":"HARRY","middle_name":null,"last_name":"MANIN","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":22,"name":"U.S. Trade Representative (USTR)"}]},{"general_issue_code":"TRD","general_issue_code_display":"Trade (domestic/foreign)","description":"SENATE: S. 1325: Foreign Pollution Fee Act of 2025 (Oppose) S. 3523: Clean Competition Act (Support) NYI: NYI: United States Mexico Canada Agreement Renewal (Watching) NYI: Green AGOA Act (Support)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":145315,"prefix":"mr","prefix_display":"MR.","first_name":"HARRISON","nickname":"HARRY","middle_name":null,"last_name":"MANIN","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":22,"name":"U.S. Trade Representative (USTR)"}]},{"general_issue_code":"TRA","general_issue_code_display":"Transportation","description":"HOUSE: H.R. 2122: IMPACT Act 2.0 (Support) H.R. 5465: Generating Resilient, Environmentally Exceptional National (GREEN) Streets Act (Support) NYI: NYI: Bicycle Commuter Act (Support)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":145315,"prefix":"mr","prefix_display":"MR.","first_name":"HARRISON","nickname":"HARRY","middle_name":null,"last_name":"MANIN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":78518,"prefix":null,"prefix_display":null,"first_name":"PATRICK","nickname":null,"middle_name":null,"last_name":"DRUPP","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":22,"name":"U.S. Trade Representative (USTR)"}]},{"general_issue_code":"GOV","general_issue_code_display":"Government Issues","description":"NYI: NYI: Senate Ethics in Energy (Support)","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":145374,"prefix":"ms","prefix_display":"MS.","first_name":"MELINDA","nickname":null,"middle_name":"CATHERINE","last_name":"PIERCE","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":22,"name":"U.S. Trade Representative (USTR)"}]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]},{"url":"https://lda.gov/api/v1/filings/b8c6751f-32c8-438b-b138-cfd3b964b2b1/","filing_uuid":"b8c6751f-32c8-438b-b138-cfd3b964b2b1","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/b8c6751f-32c8-438b-b138-cfd3b964b2b1/print/","filing_document_content_type":"text/html","income":null,"expenses":"250000.00","expenses_method":"A","expenses_method_display":"A","posted_by_name":"Michael Monroe","dt_posted":"2026-04-17T10:30:14-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":null,"registrant_address_1":"815 16TH STREET, NW, #600","registrant_address_2":null,"registrant_different_address":false,"registrant_city":"WASHINGTON","registrant_state":"DC","registrant_zip":"20006","registrant":{"id":7383,"url":"https://lda.gov/api/v1/registrants/7383/","house_registrant_id":31785,"name":"BUILDING AND CONSTRUCTION TRADES DEPT., AFL-CIO","description":null,"address_1":"815 16TH STREET, NW, #600","address_2":null,"address_3":null,"address_4":null,"city":"WASHINGTON","state":"DC","state_display":"District of Columbia","zip":"20006","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"MICHAEL MONROE","contact_telephone":"+1 202-756-4560","dt_updated":"2026-07-06T13:19:04.484234-04:00"},"client":{"id":110731,"url":"https://lda.gov/api/v1/clients/110731/","client_id":12,"name":"BUILDING AND CONSTRUCTION TRADES DEPT AFL-CIO","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":"2007-08-14"},"lobbying_activities":[{"general_issue_code":"BUD","general_issue_code_display":"Budget/Appropriations","description":"H.R. 3548. Infrastructure Expansion Act. A bill to preclude absolute liability in any action against a property owner or contractor for projects receiving Federal financial assistance for infrastructure and transportation development, and for other purposes. Bill in full. No bill number. Lobbied on the Surface Transportation Reauthorization.Entire bill. S.J. Res. 37. A joint resolution. A joint resolution terminating the national emergency declared to impose duties on articles imported from Canada. Bill in full. H.R. 1. One Big Beautiful Act. This bill reduces taxes, reduces or increases spending for various federal programs, increases the statutory debt limit, and otherwise addresses agencies and programs throughout the federal government. Lobbied on prevailing wage and Registered Apprenticeship, Medicaid impact on multiemployer health plans, resurrection of the Cadillac tax and clean energy tax credits. No bill number. Lobbied on the impact of tariffs. No bill number. Lobbied on labor standards on tax credits within the Inflation Reduction Act. No bill number. Lobbied on funding cuts to the Departments of Labor, Health and Human Services, Transportation, Energy, Interior, Commerce and Treasury. No bill number. Lobbied on transportation projects funding.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":139706,"prefix":"mr","prefix_display":"MR.","first_name":"JAMES","nickname":null,"middle_name":"CLARK","last_name":"BREWER","suffix":"jr","suffix_display":"JR"},"covered_position":null,"new":false},{"lobbyist":{"id":137907,"prefix":"mr","prefix_display":"MR.","first_name":"TREVOR","nickname":null,"middle_name":null,"last_name":"FALK","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":60142,"prefix":null,"prefix_display":null,"first_name":"ROSS","nickname":null,"middle_name":null,"last_name":"MARADIAN","suffix":null,"suffix_display":null},"covered_position":"Rep. Leonard Boswell - Legislative Director/Legislative Assistant/Staff Assistant","new":false}],"government_entities":[{"id":11,"name":"Executive Office of the President (EOP)"},{"id":172,"name":"Federal Aviation Administration (FAA)"},{"id":173,"name":"Federal Highway Administration (FHA)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":38,"name":"Labor, Dept of (DOL)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"ENG","general_issue_code_display":"Energy/Nuclear","description":"No bill number. Lobbied for permitting reform and federally funded energy programs. No bill number. Lobbied on the CERTAIN ACT (Create Expedited Reviews To Transform American Infrastructure Now) - transform the federal permitting process and meet Americas energy and electricity needs. S.3682. Power for the People Act of 2026. A bill to promote the creation of data center load queues and data center-specific rate classes to mitigate the impact of data centers on other electricity consumers, and for other purposes. Lobbied for the inclusion of labor standards. H.R.3474. Federal Mechanical Insulation Act. A bill to clarify that the installation of mechanical insulation property is an energy or water efficiency measure that may be used in Federal buildings for purposes of section 543(f) of the National Energy Conservation Policy Act, and for other purposes. Bill in full. No bill number. Lobbied on the Energy Bills Relief Act - that ensures Americans have access to the most reliable and low-cost source of power available, renewable energy. No bill number. Lobbied on the growing energy workforce. No bill number. Lobbied on attaching labor standards to data center legislation, against data center bans and data centers overall. No Bill Number - Advocated for various energy tax credits. No bill number - Advocated in support of unionized mining efforts across the country and the further expansion of utilizing critical mineral resource. No bill number - Advocated for the domestic uranium supply chain and increased funding for advanced fuels. No bill number - Advocated for the continued functioning of the Tennessee Valley Authority. No bill number - Engaged congress on RIN relief and renewable fuel standards. No bill number. Lobbied on Offshore Wind. No bill number. Lobbied on Mining and energy production on federal land. No bill number. Lobbied on maintaining existing grants and loans No bill number. Lobbied on National Laboratories No bill number. Lobbied on Nuclear development and funding No bill number. Lobbied on Nuclear Fuel Enrichment and Funding No bill number. Lobbied on Defense Production Act and nuclear energy No bill number. Lobbied on Loan Programs Office No bill number. Lobbied on Carbon Capture Facilities No bill number. Lobbied on support for nuclear clean-up sites No bill number. Lobbied on recruiting and training for the nuclear industry","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":139706,"prefix":"mr","prefix_display":"MR.","first_name":"JAMES","nickname":null,"middle_name":"CLARK","last_name":"BREWER","suffix":"jr","suffix_display":"JR"},"covered_position":null,"new":false},{"lobbyist":{"id":137907,"prefix":"mr","prefix_display":"MR.","first_name":"TREVOR","nickname":null,"middle_name":null,"last_name":"FALK","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":60142,"prefix":null,"prefix_display":null,"first_name":"ROSS","nickname":null,"middle_name":null,"last_name":"MARADIAN","suffix":null,"suffix_display":null},"covered_position":"Rep. Leonard Boswell - Legislative Director/Legislative Assistant/Staff Assistant","new":false}],"government_entities":[{"id":24,"name":"Commerce, Dept of (DOC)"},{"id":33,"name":"Energy, Dept of"},{"id":11,"name":"Executive Office of the President (EOP)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":36,"name":"Interior, Dept of (DOI)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"LBR","general_issue_code_display":"Labor Issues/Antitrust/Workplace","description":"No bill number. Lobbied in support of pre-apprenticeship and registered apprenticeship programs in the construction industry. No bill number. Lobbied on worker misclassification. No bill number. Lobbied on project labor agreements. No bill number. Lobbied on Davis-Bacon. No bill number. Lobbied on veteran use of GI benefits for registered apprenticeship. No bill number. Lobbied on federally funded prevailing wage. H.R. 7115. Jumpstart Savings Act. A bill to amend the Internal Revenue Code of 1986 to establish Jumpstart Programs for saving for apprenticeship and trade occupation training, and for other purposes. Bill in full. S.3993. Reducing Arbitrary Barriers to Apprenticeship Act of 2026. A bill to amend title 38, United States Code, and title 10, United States Code, to eliminate those provisions relating to veterans educational assistance that disadvantage eligible individuals who choose to pursue programs of apprenticeship or other on-job training instead of a four-year college degree, and for other purposes. Bill in full. H.R. 982. Warriors to Workforce Act. A bill to amend title 38, United States Code, to increase the amount of educational assistance paid by the Secretary of Veterans Affairs to an eligible individual during the first year of a full-time program of apprenticeship or other on-job training. Bill in full. S. 852. Richard L. Trumka Protecting the Right to Organize Act of 2025. This bill expands various labor protections related to employees' rights to organize and collectively bargain in the workplace. Bill in full. H.R. 20. Richard L. Trumka Protecting the Right to Organize Act of 2025. This bill expands various labor protections related to employees' rights to organize and collectively bargain in the workplace. Bill in full. H.R. 3944. Military Construction, Veterans Affairs, and Related Agencies Appropriations Act of 2026. Lobbied on amendments regarding project labor agreements, prevailing wage and Registered Apprenticeship. H.R.5408. Faster Labor Contracts Act. A bill to accelerate workplace time-to-contract under the National Labor Relations Act. Bill in full. S.844. Faster Labor Contracts Act. A bill to accelerate workplace time-to-contract under the National Labor Relations Act. Bill in full. No bill number. Lobbied on attaching labor standards to data center legislation, against data center bans and data centers overall. No bill number. Lobbied on pension and health care issues impacting construction workers. No bill number. Lobbied on the issue of childcare affordability for construction workers. No bill number. Lobbied on the issue of mental health crisis and opioid epidemic in the construction industry. No bill number. Lobbied on the issue of paid sick leave for construction workers. No bill number. Lobbied on safety and health issues on the jobsite impacting construction workers. No bill number. Lobbied for the inclusion of Registered Apprenticeship utilization on military construction projects. No bill number. Lobbied against Industry Recognized Apprenticeship Programs being applicable to the construction industry. No bill number. Lobbied on federal prevailing wage. No bill number. Lobbied for access to construction projects on domestic military installations. No bill number. Lobbied on the nomination of John Berry to be Solicitor General of the Department of Labor. No bill number. Lobbied on the nomination of Andrew Rogers to be Wage and Hour Administrator at the Department of Labor. No bill number. Discussion draft. Reauthorization of the Workforce Innovation and Opportunity Act. Lobbied on youth apprenticeship. No bill number. Discussion draft. Lobbied on Registered Apprenticeship reciprocity in states, new Advisory Council on Apprenticeship, Apprenticeship Application Approval and creating more Registered Apprenticeships in rural areas. No bill number. Lobbied on the impact of Artificial Intelligence on the construction industry. No bill number. Lobbied on housing proposals regarding application of prevailing wage. No bill number. Lobbied on the application of labor standards on housing related federal tax credits. No bill number. Discussion draft. Lobbied on the application of prevailing wage to housing projects funded or financed by the federal government. No bill number. Discussion draft. Lobbied on the application of prevailing wage to housing projects, spurred by application of the Defense Production Act, funded or financed by the federal government. No bill number. Discussion draft. Lobbied on child labor protections and Registered Apprenticeship when federal funding is allocated to local and state education agencies for creating shop classes in schools. No bill number. Lobbied on women in the construction industry. No bill number. Lobbied on prevailing wage application on Cape Canaveral projects. No bill number. Lobbied on FHWA approval of grants and PLAs. No bill number. Lobbied on implementation of the IIJA. No bill number. Lobbied on labor standards in the shipbuilding industry.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":139706,"prefix":"mr","prefix_display":"MR.","first_name":"JAMES","nickname":null,"middle_name":"CLARK","last_name":"BREWER","suffix":"jr","suffix_display":"JR"},"covered_position":null,"new":false},{"lobbyist":{"id":60142,"prefix":null,"prefix_display":null,"first_name":"ROSS","nickname":null,"middle_name":null,"last_name":"MARADIAN","suffix":null,"suffix_display":null},"covered_position":"Rep. Leonard Boswell - Legislative Director/Legislative Assistant/Staff Assistant","new":false},{"lobbyist":{"id":137907,"prefix":"mr","prefix_display":"MR.","first_name":"TREVOR","nickname":null,"middle_name":null,"last_name":"FALK","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":11,"name":"Executive Office of the President (EOP)"},{"id":65,"name":"General Services Administration (GSA)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":38,"name":"Labor, Dept of (DOL)"},{"id":18,"name":"Office of Management & Budget (OMB)"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"ENV","general_issue_code_display":"Environment/Superfund","description":"No bill number. Lobbied on National Environmental Policy Act Reform and permitting reform broadly. No bill number. Lobbied on the 2026 Water Resources Development Act. Bill in full. HR 4776 - Speed Act - To amend the National Environmental Policy Act of 1969 to clarify ambiguous provisions and facilitate a more efficient, effective, and timely environmental review process. Advocated for various permitting reform provisions. H.J. Res 140 - Superior National Forest Land Withdrawal - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Land Management relating to Public Land Order No. 7917 for Withdrawal of Federal Lands; Cook, Lake, and Saint Louis Counties, MN.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":137907,"prefix":"mr","prefix_display":"MR.","first_name":"TREVOR","nickname":null,"middle_name":null,"last_name":"FALK","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":60142,"prefix":null,"prefix_display":null,"first_name":"ROSS","nickname":null,"middle_name":null,"last_name":"MARADIAN","suffix":null,"suffix_display":null},"covered_position":"Rep. Leonard Boswell - Legislative Director/Legislative Assistant/Staff Assistant","new":false},{"lobbyist":{"id":139706,"prefix":"mr","prefix_display":"MR.","first_name":"JAMES","nickname":null,"middle_name":"CLARK","last_name":"BREWER","suffix":"jr","suffix_display":"JR"},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"HOU","general_issue_code_display":"Housing","description":"HR 5878. HOME Reform Act of 2025. To amend the Cranston-Gonzalez National Affordable Housing Act to encourage expansion of the supply of decent, safe, sanitary, and affordable housing, with primary attention to rental housing. Bill in full. S. 3464. Housing Building Occupancy Opportunities for Millions Act. A bill to increase the housing supply in the United States. Bill in full. S.2651. ROAD to Housing Act of 2025. A bill to increase the supply of affordable housing in America. Lobbied on the application of prevailing wage. H.R.6644. Housing for the 21st Century Act. A bill to increase the supply of housing in America, and for other purposes. Lobbied on the application of prevailing wage. H.R. 6644 (as amended). 21st Century ROAD to Housing Act. To increase the supply of housing in America, and for other purposes. Lobbied on the application of prevailing wage, modular housing and offsite manufacturing of housing. No bill number. Lobbied on creation of HUD funding program for housing projects with pension monies.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":60142,"prefix":null,"prefix_display":null,"first_name":"ROSS","nickname":null,"middle_name":null,"last_name":"MARADIAN","suffix":null,"suffix_display":null},"covered_position":"Rep. Leonard Boswell - Legislative Director/Legislative Assistant/Staff Assistant","new":false}],"government_entities":[{"id":11,"name":"Executive Office of the President (EOP)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"IMM","general_issue_code_display":"Immigration","description":"No bill number. Lobbied on H2B Visa Reform. No bill number. Lobbied on the abuse of the E-Visa program. S. 2106 - Secure Act - Safe Environment from Countries Under Repression and Emergency Act - A bill to provide a process for granting lawful permanent resident status to aliens from certain countries who meet certain eligibility requirements. Bill in full.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":60142,"prefix":null,"prefix_display":null,"first_name":"ROSS","nickname":null,"middle_name":null,"last_name":"MARADIAN","suffix":null,"suffix_display":null},"covered_position":"Rep. Leonard Boswell - Legislative Director/Legislative Assistant/Staff Assistant","new":false},{"lobbyist":{"id":139706,"prefix":"mr","prefix_display":"MR.","first_name":"JAMES","nickname":null,"middle_name":"CLARK","last_name":"BREWER","suffix":"jr","suffix_display":"JR"},"covered_position":null,"new":false}],"government_entities":[{"id":11,"name":"Executive Office of the President (EOP)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":38,"name":"Labor, Dept of (DOL)"},{"id":1,"name":"SENATE"},{"id":39,"name":"State, Dept of (DOS)"}]},{"general_issue_code":"RET","general_issue_code_display":"Retirement","description":"No bill number. Lobbied on the impact of cryptocurrency on multiemployer health and welfare plans. No bill number. Lobbied on pension and health care issues impacting construction workers.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":139706,"prefix":"mr","prefix_display":"MR.","first_name":"JAMES","nickname":null,"middle_name":"CLARK","last_name":"BREWER","suffix":"jr","suffix_display":"JR"},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]},{"url":"https://lda.gov/api/v1/filings/e3c104c3-2ff6-41f2-b083-74656172b43f/","filing_uuid":"e3c104c3-2ff6-41f2-b083-74656172b43f","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/e3c104c3-2ff6-41f2-b083-74656172b43f/print/","filing_document_content_type":"text/html","income":null,"expenses":"740000.00","expenses_method":"A","expenses_method_display":"A","posted_by_name":"Gregory S. Brown","dt_posted":"2026-04-17T13:52:23-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":null,"registrant_address_1":"4300 Wilson Blvd.","registrant_address_2":"Suite 800","registrant_different_address":false,"registrant_city":"Arlington","registrant_state":"VA","registrant_zip":"22203","registrant":{"id":400614864,"url":"https://lda.gov/api/v1/registrants/400614864/","house_registrant_id":null,"name":"NATIONAL APARTMENT ASSOCIATION","description":"National trade association for developers, owners, operators and managers of apartments.","address_1":"4300 Wilson Blvd.","address_2":"Suite 800","address_3":null,"address_4":null,"city":"Arlington","state":"VA","state_display":"Virginia","zip":"22203","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"GREGORY S. BROWN","contact_telephone":"+1 703-797-0615","dt_updated":"2026-07-29T14:48:27.880880-04:00"},"client":{"id":193538,"url":"https://lda.gov/api/v1/clients/193538/","client_id":12,"name":"NATIONAL APARTMENT ASSOCIATION","general_description":null,"client_government_entity":false,"client_self_select":true,"state":"VA","state_display":"Virginia","country":"US","country_display":"United States of America","ppb_state":"VA","ppb_state_display":"Virginia","ppb_country":"US","ppb_country_display":"United States of America","effective_date":"2010-04-14"},"lobbying_activities":[{"general_issue_code":"HOU","general_issue_code_display":"Housing","description":"COVID-19 issues as affecting the rental housing industry; issues related to the Coronavirus Aid, Relief, and Economic Security Act 30-day pre-eviction filing notice; rental assistance; Section 8 reform; NSPIRE inspections; development issues, including conversion of commercial properties to housing, National Environmental Policy Act requirements, Waters of the United States, local barriers to development; Yes In My Backyard Act; housing affordability; H.R.1078, S.470 - Respect State Housing Laws Act; Choice in Affordable Housing Act; tax issues, including carried interest, Section 1031 like-kind exchanges, capital gains taxation and estate tax; labor issues, including Davis-Bacon wage requirements; National Flood Insurance Program; resident screening; telecommunications issues, including mandatory access, broadband deployment and data privacy; housing finance issues; energy efficiency issues; Low Income Housing Tax Credits; immigration issues in rental housing; issues related to artificial intelligence and other technology to housing; all-in price disclosure/rent and fee transparency; fair housing, including disparate impact and reasonable accommodations for animals/emotional support animals; institutional investor ban in single family housing; 21st Century Road to Housing; Home Investment Partnerships Program (HOME) (HUD); disaster recovery; federal housing policy, EPA Reconsideration of the Dust-Lead Hazard Standards and Dust-Lead Post-Abatement Clearance Levels Final Rule; Energy Star; S.2441 - Build Now Act; S.2651 - The ROAD to Housing Act. S.2363 - The Build More Housing Near Transit Act; S.1299 - The Housing Supply Frameworks Act; S.890 - The Choice in Affordable Housing Act; S.948 - The HOME Investment Partnerships Reauthorization and Improvement Act; S.2361 - Accelerating Home Building Act; S.1527 - Housing Affordability Act; H.R. 6644 - Housing for the 21st Century Act; DOE Appliance Energy Efficiency Standards & Energy Codes Standards; DOL Davis-Bacon, Overtime, Joint-Employer Status, Heat Injury and Illness Prevention in Outdoor and Indoor Work Settings; Domestically-owned REITs, EPA Refrigerants, Lead-based Paint; Energy Star; fraud in rental housing; S.1303 Build America, Buy America Act.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":139829,"prefix":"mr","prefix_display":"MR.","first_name":"GREGORY","nickname":null,"middle_name":"S.","last_name":"BROWN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":70377,"prefix":null,"prefix_display":null,"first_name":"JASON","nickname":null,"middle_name":null,"last_name":"LYNN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":105644,"prefix":null,"prefix_display":null,"first_name":"MARIA","nickname":null,"middle_name":null,"last_name":"SPENCER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":149743,"prefix":null,"prefix_display":null,"first_name":"OWEN","nickname":null,"middle_name":null,"last_name":"CAINE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":150790,"prefix":null,"prefix_display":null,"first_name":"JOSEPH","nickname":null,"middle_name":null,"last_name":"RITER","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":151620,"prefix":null,"prefix_display":null,"first_name":"NICOLE","nickname":null,"middle_name":null,"last_name":"UPANO","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":151621,"prefix":null,"prefix_display":null,"first_name":"BENJAMIN","nickname":null,"middle_name":null,"last_name":"HARROLD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":151622,"prefix":null,"prefix_display":null,"first_name":"EMILY","nickname":null,"middle_name":null,"last_name":"HOWARD","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":23,"name":"Agriculture, Dept of (USDA)"},{"id":33,"name":"Energy, Dept of"},{"id":49,"name":"Environmental Protection Agency (EPA)"},{"id":11,"name":"Executive Office of the President (EOP)"},{"id":57,"name":"Federal Housing Finance Agency (FHFA)"},{"id":64,"name":"Federal Trade Commission (FTC)"},{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":35,"name":"Housing & Urban Development, Dept of (HUD)"},{"id":188,"name":"Internal Revenue Service (IRS)"},{"id":1,"name":"SENATE"},{"id":41,"name":"Treasury, Dept of"}]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]},{"url":"https://lda.gov/api/v1/filings/cdc85912-2c55-4ea1-bfef-01983854d28b/","filing_uuid":"cdc85912-2c55-4ea1-bfef-01983854d28b","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/cdc85912-2c55-4ea1-bfef-01983854d28b/print/","filing_document_content_type":"text/html","income":"50000.00","expenses":null,"expenses_method":null,"expenses_method_display":null,"posted_by_name":"Solveig Monson","dt_posted":"2026-04-17T14:34:26-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":null,"registrant_address_1":"1341 G STREET, NW","registrant_address_2":"Suite 1100","registrant_different_address":false,"registrant_city":"WASHINGTON","registrant_state":"DC","registrant_zip":"20005","registrant":{"id":284950,"url":"https://lda.gov/api/v1/registrants/284950/","house_registrant_id":36893,"name":"MEHLMAN CONSULTING, INC.","description":"Government Affairs Consulting Services","address_1":"1341 G Street, NW","address_2":"Suite 1100","address_3":null,"address_4":null,"city":"WASHINGTON","state":"DC","state_display":"District of Columbia","zip":"20005","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"SOLVEIG MONSON","contact_telephone":"+1 202-585-0292","dt_updated":"2026-10-20T18:04:37.956203-04:00"},"client":{"id":175459,"url":"https://lda.gov/api/v1/clients/175459/","client_id":113,"name":"OWENS CORNING","general_description":null,"client_government_entity":false,"client_self_select":null,"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":"2009-01-01"},"lobbying_activities":[{"general_issue_code":"ENG","general_issue_code_display":"Energy/Nuclear","description":"Monitor issues related to energy efficiency and building codes.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":27658,"prefix":null,"prefix_display":null,"first_name":"BRUCE","nickname":null,"middle_name":null,"last_name":"MEHLMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":5659,"prefix":null,"prefix_display":null,"first_name":"DEAN","nickname":null,"middle_name":null,"last_name":"ROSEN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":7381,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":"R","last_name":"THOMAS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":11329,"prefix":null,"prefix_display":null,"first_name":"ELISE","nickname":null,"middle_name":null,"last_name":"FINLEY PICKERING","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":61179,"prefix":null,"prefix_display":null,"first_name":"SAGE","nickname":null,"middle_name":null,"last_name":"EASTMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":62201,"prefix":null,"prefix_display":null,"first_name":"LAUREN","nickname":null,"middle_name":null,"last_name":"ARONSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":62279,"prefix":null,"prefix_display":null,"first_name":"MICHAEL","nickname":null,"middle_name":null,"last_name":"ROBINSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":69162,"prefix":null,"prefix_display":null,"first_name":"HELEN","nickname":null,"middle_name":null,"last_name":"TOLAR","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":70218,"prefix":null,"prefix_display":null,"first_name":"NICHOLE","nickname":null,"middle_name":null,"last_name":"DISTEFANO","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":71503,"prefix":null,"prefix_display":null,"first_name":"PAUL","nickname":null,"middle_name":null,"last_name":"THORNELL","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":101897,"prefix":null,"prefix_display":null,"first_name":"STEPHEN","nickname":null,"middle_name":"M.","last_name":"COTE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":101395,"prefix":null,"prefix_display":null,"first_name":"ALEXANDER","nickname":null,"middle_name":null,"last_name":"PERKINS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":101614,"prefix":null,"prefix_display":null,"first_name":"ROSEMARY","nickname":null,"middle_name":null,"last_name":"GUTIERREZ","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":107920,"prefix":null,"prefix_display":null,"first_name":"ZACHARY","nickname":null,"middle_name":null,"last_name":"MALLOVE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":141084,"prefix":null,"prefix_display":null,"first_name":"CAITLIN","nickname":null,"middle_name":null,"last_name":"VAN SANT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":141085,"prefix":null,"prefix_display":null,"first_name":"LISA","nickname":null,"middle_name":null,"last_name":"GOLDMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":144745,"prefix":null,"prefix_display":null,"first_name":"ALYENE","nickname":null,"middle_name":null,"last_name":"MLINAR","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":145248,"prefix":"ms","prefix_display":"MS.","first_name":"ERICA","nickname":null,"middle_name":"JAY","last_name":"CHABOT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":146767,"prefix":null,"prefix_display":null,"first_name":"ANNIE","nickname":null,"middle_name":null,"last_name":"WOLF","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":147548,"prefix":null,"prefix_display":null,"first_name":"NAVEEN","nickname":null,"middle_name":null,"last_name":"PARMAR","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":149379,"prefix":null,"prefix_display":null,"first_name":"JON","nickname":null,"middle_name":null,"last_name":"ADAME","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":151069,"prefix":"mr","prefix_display":"MR.","first_name":"JOSEPH","nickname":null,"middle_name":"EDWARD","last_name":"BROWN","suffix":"iii","suffix_display":"III"},"covered_position":null,"new":false},{"lobbyist":{"id":152223,"prefix":null,"prefix_display":null,"first_name":"EARL","nickname":null,"middle_name":"SCOTT","last_name":"FLOOD","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"TRD","general_issue_code_display":"Trade (domestic/foreign)","description":"U.S. trade policy, including trade remedies and tariffs; U.S. supply chain policy.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":27658,"prefix":null,"prefix_display":null,"first_name":"BRUCE","nickname":null,"middle_name":null,"last_name":"MEHLMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":5659,"prefix":null,"prefix_display":null,"first_name":"DEAN","nickname":null,"middle_name":null,"last_name":"ROSEN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":7381,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":"R","last_name":"THOMAS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":11329,"prefix":null,"prefix_display":null,"first_name":"ELISE","nickname":null,"middle_name":null,"last_name":"FINLEY PICKERING","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":61179,"prefix":null,"prefix_display":null,"first_name":"SAGE","nickname":null,"middle_name":null,"last_name":"EASTMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":62201,"prefix":null,"prefix_display":null,"first_name":"LAUREN","nickname":null,"middle_name":null,"last_name":"ARONSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":62279,"prefix":null,"prefix_display":null,"first_name":"MICHAEL","nickname":null,"middle_name":null,"last_name":"ROBINSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":69162,"prefix":null,"prefix_display":null,"first_name":"HELEN","nickname":null,"middle_name":null,"last_name":"TOLAR","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":70218,"prefix":null,"prefix_display":null,"first_name":"NICHOLE","nickname":null,"middle_name":null,"last_name":"DISTEFANO","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":71503,"prefix":null,"prefix_display":null,"first_name":"PAUL","nickname":null,"middle_name":null,"last_name":"THORNELL","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":101897,"prefix":null,"prefix_display":null,"first_name":"STEPHEN","nickname":null,"middle_name":"M.","last_name":"COTE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":101395,"prefix":null,"prefix_display":null,"first_name":"ALEXANDER","nickname":null,"middle_name":null,"last_name":"PERKINS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":101614,"prefix":null,"prefix_display":null,"first_name":"ROSEMARY","nickname":null,"middle_name":null,"last_name":"GUTIERREZ","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":107920,"prefix":null,"prefix_display":null,"first_name":"ZACHARY","nickname":null,"middle_name":null,"last_name":"MALLOVE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":141084,"prefix":null,"prefix_display":null,"first_name":"CAITLIN","nickname":null,"middle_name":null,"last_name":"VAN SANT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":141085,"prefix":null,"prefix_display":null,"first_name":"LISA","nickname":null,"middle_name":null,"last_name":"GOLDMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":144745,"prefix":null,"prefix_display":null,"first_name":"ALYENE","nickname":null,"middle_name":null,"last_name":"MLINAR","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":145248,"prefix":"ms","prefix_display":"MS.","first_name":"ERICA","nickname":null,"middle_name":"JAY","last_name":"CHABOT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":146767,"prefix":null,"prefix_display":null,"first_name":"ANNIE","nickname":null,"middle_name":null,"last_name":"WOLF","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":147548,"prefix":null,"prefix_display":null,"first_name":"NAVEEN","nickname":null,"middle_name":null,"last_name":"PARMAR","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":149379,"prefix":null,"prefix_display":null,"first_name":"JON","nickname":null,"middle_name":null,"last_name":"ADAME","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":151069,"prefix":"mr","prefix_display":"MR.","first_name":"JOSEPH","nickname":null,"middle_name":"EDWARD","last_name":"BROWN","suffix":"iii","suffix_display":"III"},"covered_position":null,"new":false},{"lobbyist":{"id":152223,"prefix":null,"prefix_display":null,"first_name":"EARL","nickname":null,"middle_name":"SCOTT","last_name":"FLOOD","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"ENV","general_issue_code_display":"Environment/Superfund","description":"Monitor issues related to energy efficiency, sustainability, circular economy.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":27658,"prefix":null,"prefix_display":null,"first_name":"BRUCE","nickname":null,"middle_name":null,"last_name":"MEHLMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":5659,"prefix":null,"prefix_display":null,"first_name":"DEAN","nickname":null,"middle_name":null,"last_name":"ROSEN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":7381,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":"R","last_name":"THOMAS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":11329,"prefix":null,"prefix_display":null,"first_name":"ELISE","nickname":null,"middle_name":null,"last_name":"FINLEY PICKERING","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":61179,"prefix":null,"prefix_display":null,"first_name":"SAGE","nickname":null,"middle_name":null,"last_name":"EASTMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":62201,"prefix":null,"prefix_display":null,"first_name":"LAUREN","nickname":null,"middle_name":null,"last_name":"ARONSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":62279,"prefix":null,"prefix_display":null,"first_name":"MICHAEL","nickname":null,"middle_name":null,"last_name":"ROBINSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":69162,"prefix":null,"prefix_display":null,"first_name":"HELEN","nickname":null,"middle_name":null,"last_name":"TOLAR","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":70218,"prefix":null,"prefix_display":null,"first_name":"NICHOLE","nickname":null,"middle_name":null,"last_name":"DISTEFANO","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":71503,"prefix":null,"prefix_display":null,"first_name":"PAUL","nickname":null,"middle_name":null,"last_name":"THORNELL","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":101897,"prefix":null,"prefix_display":null,"first_name":"STEPHEN","nickname":null,"middle_name":"M.","last_name":"COTE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":101395,"prefix":null,"prefix_display":null,"first_name":"ALEXANDER","nickname":null,"middle_name":null,"last_name":"PERKINS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":101614,"prefix":null,"prefix_display":null,"first_name":"ROSEMARY","nickname":null,"middle_name":null,"last_name":"GUTIERREZ","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":107920,"prefix":null,"prefix_display":null,"first_name":"ZACHARY","nickname":null,"middle_name":null,"last_name":"MALLOVE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":141084,"prefix":null,"prefix_display":null,"first_name":"CAITLIN","nickname":null,"middle_name":null,"last_name":"VAN SANT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":141085,"prefix":null,"prefix_display":null,"first_name":"LISA","nickname":null,"middle_name":null,"last_name":"GOLDMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":144745,"prefix":null,"prefix_display":null,"first_name":"ALYENE","nickname":null,"middle_name":null,"last_name":"MLINAR","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":145248,"prefix":"ms","prefix_display":"MS.","first_name":"ERICA","nickname":null,"middle_name":"JAY","last_name":"CHABOT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":146767,"prefix":null,"prefix_display":null,"first_name":"ANNIE","nickname":null,"middle_name":null,"last_name":"WOLF","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":147548,"prefix":null,"prefix_display":null,"first_name":"NAVEEN","nickname":null,"middle_name":null,"last_name":"PARMAR","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":149379,"prefix":null,"prefix_display":null,"first_name":"JON","nickname":null,"middle_name":null,"last_name":"ADAME","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":151069,"prefix":"mr","prefix_display":"MR.","first_name":"JOSEPH","nickname":null,"middle_name":"EDWARD","last_name":"BROWN","suffix":"iii","suffix_display":"III"},"covered_position":null,"new":false},{"lobbyist":{"id":152223,"prefix":null,"prefix_display":null,"first_name":"EARL","nickname":null,"middle_name":"SCOTT","last_name":"FLOOD","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"TAX","general_issue_code_display":"Taxation/Internal Revenue Code","description":"Issues related to corporate taxes, R&D expensing/amortization, bonus depreciation and energy efficiency credits.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":27658,"prefix":null,"prefix_display":null,"first_name":"BRUCE","nickname":null,"middle_name":null,"last_name":"MEHLMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":5659,"prefix":null,"prefix_display":null,"first_name":"DEAN","nickname":null,"middle_name":null,"last_name":"ROSEN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":7381,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":"R","last_name":"THOMAS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":11329,"prefix":null,"prefix_display":null,"first_name":"ELISE","nickname":null,"middle_name":null,"last_name":"FINLEY PICKERING","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":61179,"prefix":null,"prefix_display":null,"first_name":"SAGE","nickname":null,"middle_name":null,"last_name":"EASTMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":62201,"prefix":null,"prefix_display":null,"first_name":"LAUREN","nickname":null,"middle_name":null,"last_name":"ARONSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":62279,"prefix":null,"prefix_display":null,"first_name":"MICHAEL","nickname":null,"middle_name":null,"last_name":"ROBINSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":69162,"prefix":null,"prefix_display":null,"first_name":"HELEN","nickname":null,"middle_name":null,"last_name":"TOLAR","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":70218,"prefix":null,"prefix_display":null,"first_name":"NICHOLE","nickname":null,"middle_name":null,"last_name":"DISTEFANO","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":71503,"prefix":null,"prefix_display":null,"first_name":"PAUL","nickname":null,"middle_name":null,"last_name":"THORNELL","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":101897,"prefix":null,"prefix_display":null,"first_name":"STEPHEN","nickname":null,"middle_name":"M.","last_name":"COTE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":101395,"prefix":null,"prefix_display":null,"first_name":"ALEXANDER","nickname":null,"middle_name":null,"last_name":"PERKINS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":101614,"prefix":null,"prefix_display":null,"first_name":"ROSEMARY","nickname":null,"middle_name":null,"last_name":"GUTIERREZ","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":107920,"prefix":null,"prefix_display":null,"first_name":"ZACHARY","nickname":null,"middle_name":null,"last_name":"MALLOVE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":141084,"prefix":null,"prefix_display":null,"first_name":"CAITLIN","nickname":null,"middle_name":null,"last_name":"VAN SANT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":141085,"prefix":null,"prefix_display":null,"first_name":"LISA","nickname":null,"middle_name":null,"last_name":"GOLDMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":144745,"prefix":null,"prefix_display":null,"first_name":"ALYENE","nickname":null,"middle_name":null,"last_name":"MLINAR","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":145248,"prefix":"ms","prefix_display":"MS.","first_name":"ERICA","nickname":null,"middle_name":"JAY","last_name":"CHABOT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":146767,"prefix":null,"prefix_display":null,"first_name":"ANNIE","nickname":null,"middle_name":null,"last_name":"WOLF","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":147548,"prefix":null,"prefix_display":null,"first_name":"NAVEEN","nickname":null,"middle_name":null,"last_name":"PARMAR","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":149379,"prefix":null,"prefix_display":null,"first_name":"JON","nickname":null,"middle_name":null,"last_name":"ADAME","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":151069,"prefix":"mr","prefix_display":"MR.","first_name":"JOSEPH","nickname":null,"middle_name":"EDWARD","last_name":"BROWN","suffix":"iii","suffix_display":"III"},"covered_position":null,"new":false},{"lobbyist":{"id":152223,"prefix":null,"prefix_display":null,"first_name":"EARL","nickname":null,"middle_name":"SCOTT","last_name":"FLOOD","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"LBR","general_issue_code_display":"Labor Issues/Antitrust/Workplace","description":"Issues related to workforce development.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":27658,"prefix":null,"prefix_display":null,"first_name":"BRUCE","nickname":null,"middle_name":null,"last_name":"MEHLMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":5659,"prefix":null,"prefix_display":null,"first_name":"DEAN","nickname":null,"middle_name":null,"last_name":"ROSEN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":7381,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":"R","last_name":"THOMAS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":11329,"prefix":null,"prefix_display":null,"first_name":"ELISE","nickname":null,"middle_name":null,"last_name":"FINLEY PICKERING","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":61179,"prefix":null,"prefix_display":null,"first_name":"SAGE","nickname":null,"middle_name":null,"last_name":"EASTMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":62201,"prefix":null,"prefix_display":null,"first_name":"LAUREN","nickname":null,"middle_name":null,"last_name":"ARONSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":62279,"prefix":null,"prefix_display":null,"first_name":"MICHAEL","nickname":null,"middle_name":null,"last_name":"ROBINSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":69162,"prefix":null,"prefix_display":null,"first_name":"HELEN","nickname":null,"middle_name":null,"last_name":"TOLAR","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":70218,"prefix":null,"prefix_display":null,"first_name":"NICHOLE","nickname":null,"middle_name":null,"last_name":"DISTEFANO","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":71503,"prefix":null,"prefix_display":null,"first_name":"PAUL","nickname":null,"middle_name":null,"last_name":"THORNELL","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":101897,"prefix":null,"prefix_display":null,"first_name":"STEPHEN","nickname":null,"middle_name":"M.","last_name":"COTE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":101395,"prefix":null,"prefix_display":null,"first_name":"ALEXANDER","nickname":null,"middle_name":null,"last_name":"PERKINS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":101614,"prefix":null,"prefix_display":null,"first_name":"ROSEMARY","nickname":null,"middle_name":null,"last_name":"GUTIERREZ","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":107920,"prefix":null,"prefix_display":null,"first_name":"ZACHARY","nickname":null,"middle_name":null,"last_name":"MALLOVE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":141084,"prefix":null,"prefix_display":null,"first_name":"CAITLIN","nickname":null,"middle_name":null,"last_name":"VAN SANT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":141085,"prefix":null,"prefix_display":null,"first_name":"LISA","nickname":null,"middle_name":null,"last_name":"GOLDMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":144745,"prefix":null,"prefix_display":null,"first_name":"ALYENE","nickname":null,"middle_name":null,"last_name":"MLINAR","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":145248,"prefix":"ms","prefix_display":"MS.","first_name":"ERICA","nickname":null,"middle_name":"JAY","last_name":"CHABOT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":146767,"prefix":null,"prefix_display":null,"first_name":"ANNIE","nickname":null,"middle_name":null,"last_name":"WOLF","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":147548,"prefix":null,"prefix_display":null,"first_name":"NAVEEN","nickname":null,"middle_name":null,"last_name":"PARMAR","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":149379,"prefix":null,"prefix_display":null,"first_name":"JON","nickname":null,"middle_name":null,"last_name":"ADAME","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":151069,"prefix":"mr","prefix_display":"MR.","first_name":"JOSEPH","nickname":null,"middle_name":"EDWARD","last_name":"BROWN","suffix":"iii","suffix_display":"III"},"covered_position":null,"new":false},{"lobbyist":{"id":152223,"prefix":null,"prefix_display":null,"first_name":"EARL","nickname":null,"middle_name":"SCOTT","last_name":"FLOOD","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"MAN","general_issue_code_display":"Manufacturing","description":"S. 2651 - 21st Century ROAD to Housing Act H.R. 6644 - Housing for the 21st Century Act","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":27658,"prefix":null,"prefix_display":null,"first_name":"BRUCE","nickname":null,"middle_name":null,"last_name":"MEHLMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":5659,"prefix":null,"prefix_display":null,"first_name":"DEAN","nickname":null,"middle_name":null,"last_name":"ROSEN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":7381,"prefix":"mr","prefix_display":"MR.","first_name":"DAVID","nickname":null,"middle_name":"R","last_name":"THOMAS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":11329,"prefix":null,"prefix_display":null,"first_name":"ELISE","nickname":null,"middle_name":null,"last_name":"FINLEY PICKERING","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":61179,"prefix":null,"prefix_display":null,"first_name":"SAGE","nickname":null,"middle_name":null,"last_name":"EASTMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":62201,"prefix":null,"prefix_display":null,"first_name":"LAUREN","nickname":null,"middle_name":null,"last_name":"ARONSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":62279,"prefix":null,"prefix_display":null,"first_name":"MICHAEL","nickname":null,"middle_name":null,"last_name":"ROBINSON","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":70218,"prefix":null,"prefix_display":null,"first_name":"NICHOLE","nickname":null,"middle_name":null,"last_name":"DISTEFANO","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":71503,"prefix":null,"prefix_display":null,"first_name":"PAUL","nickname":null,"middle_name":null,"last_name":"THORNELL","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":69162,"prefix":null,"prefix_display":null,"first_name":"HELEN","nickname":null,"middle_name":null,"last_name":"TOLAR","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":101897,"prefix":null,"prefix_display":null,"first_name":"STEPHEN","nickname":null,"middle_name":"M.","last_name":"COTE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":101395,"prefix":null,"prefix_display":null,"first_name":"ALEXANDER","nickname":null,"middle_name":null,"last_name":"PERKINS","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":101614,"prefix":null,"prefix_display":null,"first_name":"ROSEMARY","nickname":null,"middle_name":null,"last_name":"GUTIERREZ","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":107920,"prefix":null,"prefix_display":null,"first_name":"ZACHARY","nickname":null,"middle_name":null,"last_name":"MALLOVE","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":141084,"prefix":null,"prefix_display":null,"first_name":"CAITLIN","nickname":null,"middle_name":null,"last_name":"VAN SANT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":141085,"prefix":null,"prefix_display":null,"first_name":"LISA","nickname":null,"middle_name":null,"last_name":"GOLDMAN","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":145248,"prefix":"ms","prefix_display":"MS.","first_name":"ERICA","nickname":null,"middle_name":"JAY","last_name":"CHABOT","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":146767,"prefix":null,"prefix_display":null,"first_name":"ANNIE","nickname":null,"middle_name":null,"last_name":"WOLF","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":147548,"prefix":null,"prefix_display":null,"first_name":"NAVEEN","nickname":null,"middle_name":null,"last_name":"PARMAR","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":149379,"prefix":null,"prefix_display":null,"first_name":"JON","nickname":null,"middle_name":null,"last_name":"ADAME","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":151069,"prefix":"mr","prefix_display":"MR.","first_name":"JOSEPH","nickname":null,"middle_name":"EDWARD","last_name":"BROWN","suffix":"iii","suffix_display":"III"},"covered_position":null,"new":false},{"lobbyist":{"id":152223,"prefix":null,"prefix_display":null,"first_name":"EARL","nickname":null,"middle_name":"SCOTT","last_name":"FLOOD","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":144745,"prefix":null,"prefix_display":null,"first_name":"ALYENE","nickname":null,"middle_name":null,"last_name":"MLINAR","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]},{"url":"https://lda.gov/api/v1/filings/046e3f18-20c9-4960-85c2-2e547e3b31c1/","filing_uuid":"046e3f18-20c9-4960-85c2-2e547e3b31c1","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/046e3f18-20c9-4960-85c2-2e547e3b31c1/print/","filing_document_content_type":"text/html","income":"20000.00","expenses":null,"expenses_method":null,"expenses_method_display":null,"posted_by_name":"Tracy Taylor","dt_posted":"2026-04-17T15:03:40-04:00","termination_date":null,"registrant_country":"United States of America","registrant_ppb_country":null,"registrant_address_1":"1100 G St, NW","registrant_address_2":"Suite 400","registrant_different_address":false,"registrant_city":"Washington","registrant_state":"DC","registrant_zip":"20005","registrant":{"id":401103295,"url":"https://lda.gov/api/v1/registrants/401103295/","house_registrant_id":null,"name":"ALIGNMENT GOVERNMENT STRATEGIES","description":"lobbying firm","address_1":"601 Pennsylvania Avenue, N.W.","address_2":"South Building, Suite 430","address_3":null,"address_4":null,"city":"Washington","state":"DC","state_display":"District of Columbia","zip":"20004","country":"US","country_display":"United States of America","ppb_country":"US","ppb_country_display":"United States of America","contact_name":"OLIVIA DECESARE","contact_telephone":"+1 202-517-1309","dt_updated":"2026-07-30T15:28:40.378946-04:00"},"client":{"id":64419,"url":"https://lda.gov/api/v1/clients/64419/","client_id":64419,"name":"WORLDWIDE ERC, INC.","general_description":"global mobility trade association","client_government_entity":null,"client_self_select":false,"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":"2025-02-10"},"lobbying_activities":[{"general_issue_code":"RES","general_issue_code_display":"Real Estate/Land Use/Conservation","description":"Advocated for policies that increase housing inventory, Road to Housing Act, H.R. 6644, and short term employer sponsored employee relocation home sale programs, the SECURE Notarization Act (H.R. 1777, S. 1561) to allow a notary public commissioned under state law to remotely notarize electronic records and for states to recognize notarizations performed under the laws of other states.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":71377,"prefix":null,"prefix_display":null,"first_name":"TRACY","nickname":null,"middle_name":"D","last_name":"TAYLOR","suffix":null,"suffix_display":null},"covered_position":"Sch. C at Agency for International Development","new":false},{"lobbyist":{"id":60457,"prefix":null,"prefix_display":null,"first_name":"REBECCA","nickname":null,"middle_name":null,"last_name":"ANDERSON","suffix":null,"suffix_display":null},"covered_position":"White House Office of Legislative Affairs","new":false},{"lobbyist":{"id":60458,"prefix":null,"prefix_display":null,"first_name":"MICHAEL","nickname":"MIKE","middle_name":null,"last_name":"BEER","suffix":null,"suffix_display":null},"covered_position":"LA, Rep. Dave Hobson","new":false},{"lobbyist":{"id":60459,"prefix":null,"prefix_display":null,"first_name":"BERT","nickname":null,"middle_name":null,"last_name":"CARP","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":60461,"prefix":null,"prefix_display":null,"first_name":"JENNY","nickname":null,"middle_name":null,"last_name":"DIJAMES","suffix":null,"suffix_display":null},"covered_position":"LA and LD, Rep. Bud Cramer","new":false},{"lobbyist":{"id":60460,"prefix":"mr","prefix_display":"MR.","first_name":"LEO","nickname":null,"middle_name":"C","last_name":"JARDOT","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"TAX","general_issue_code_display":"Taxation/Internal Revenue Code","description":"Advocated on the reinstatement of the moving expense tax deduction and exclusion to facilitate the relocation of employees.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":71377,"prefix":null,"prefix_display":null,"first_name":"TRACY","nickname":null,"middle_name":"D","last_name":"TAYLOR","suffix":null,"suffix_display":null},"covered_position":"Sch. C at Agency for International Development","new":false},{"lobbyist":{"id":60457,"prefix":null,"prefix_display":null,"first_name":"REBECCA","nickname":null,"middle_name":null,"last_name":"ANDERSON","suffix":null,"suffix_display":null},"covered_position":"White House Office of Legislative Affairs","new":false},{"lobbyist":{"id":60458,"prefix":null,"prefix_display":null,"first_name":"MICHAEL","nickname":"MIKE","middle_name":null,"last_name":"BEER","suffix":null,"suffix_display":null},"covered_position":"LA, Rep. Dave Hobson","new":false},{"lobbyist":{"id":60459,"prefix":null,"prefix_display":null,"first_name":"BERT","nickname":null,"middle_name":null,"last_name":"CARP","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":60461,"prefix":null,"prefix_display":null,"first_name":"JENNY","nickname":null,"middle_name":null,"last_name":"DIJAMES","suffix":null,"suffix_display":null},"covered_position":"LA and LD, Rep. Bud Cramer","new":false},{"lobbyist":{"id":60460,"prefix":"mr","prefix_display":"MR.","first_name":"LEO","nickname":null,"middle_name":"C","last_name":"JARDOT","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]},{"general_issue_code":"TRD","general_issue_code_display":"Trade (domestic/foreign)","description":"Issues related to the US supply chain and cross border workforce mobility including the transport of the personal household goods of transferees toinclude trade practices and modernizing the following non-reciprocal trade agreements: USMCA; Singapore-US; and Chile-US.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":71377,"prefix":null,"prefix_display":null,"first_name":"TRACY","nickname":null,"middle_name":"D","last_name":"TAYLOR","suffix":null,"suffix_display":null},"covered_position":"Sch. C at Agency for International Development","new":false},{"lobbyist":{"id":60457,"prefix":null,"prefix_display":null,"first_name":"REBECCA","nickname":null,"middle_name":null,"last_name":"ANDERSON","suffix":null,"suffix_display":null},"covered_position":"White House Office of Legislative Affairs","new":false},{"lobbyist":{"id":60458,"prefix":null,"prefix_display":null,"first_name":"MICHAEL","nickname":"MIKE","middle_name":null,"last_name":"BEER","suffix":null,"suffix_display":null},"covered_position":"LA, Rep. Dave Hobson","new":false},{"lobbyist":{"id":60459,"prefix":null,"prefix_display":null,"first_name":"BERT","nickname":null,"middle_name":null,"last_name":"CARP","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":60461,"prefix":null,"prefix_display":null,"first_name":"JENNY","nickname":null,"middle_name":null,"last_name":"DIJAMES","suffix":null,"suffix_display":null},"covered_position":"LA and LD, Rep. Bud Cramer","new":false},{"lobbyist":{"id":60460,"prefix":"mr","prefix_display":"MR.","first_name":"LEO","nickname":null,"middle_name":"C","last_name":"JARDOT","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"},{"id":22,"name":"U.S. Trade Representative (USTR)"}]},{"general_issue_code":"IMM","general_issue_code_display":"Immigration","description":"Advocated for an employment-based immigration system which enables businesses to attract, retain, and develop foreign talent with skills that enable their businesses to grow and thrive, expanding the availability of visas for highly skilled workers (L-1, H-1B) and temporary workers (H-2B) as well as their spouses and dependents, the Dignity Act, H.R. 4393, issues surrounding H-2B cap relief; visa processing and enhancing consular resources to facilitate timely visa issuance.","foreign_entity_issues":"","lobbyists":[{"lobbyist":{"id":71377,"prefix":null,"prefix_display":null,"first_name":"TRACY","nickname":null,"middle_name":"D","last_name":"TAYLOR","suffix":null,"suffix_display":null},"covered_position":"Sch. C at Agency for International Development","new":false},{"lobbyist":{"id":60457,"prefix":null,"prefix_display":null,"first_name":"REBECCA","nickname":null,"middle_name":null,"last_name":"ANDERSON","suffix":null,"suffix_display":null},"covered_position":"White House Office of Legislative Affairs","new":false},{"lobbyist":{"id":60458,"prefix":null,"prefix_display":null,"first_name":"MICHAEL","nickname":"MIKE","middle_name":null,"last_name":"BEER","suffix":null,"suffix_display":null},"covered_position":"LA, Rep. Dave Hobson","new":false},{"lobbyist":{"id":60459,"prefix":null,"prefix_display":null,"first_name":"BERT","nickname":null,"middle_name":null,"last_name":"CARP","suffix":null,"suffix_display":null},"covered_position":null,"new":false},{"lobbyist":{"id":60461,"prefix":null,"prefix_display":null,"first_name":"JENNY","nickname":null,"middle_name":null,"last_name":"DIJAMES","suffix":null,"suffix_display":null},"covered_position":"LA and LD, Rep. Bud Cramer","new":false},{"lobbyist":{"id":60460,"prefix":"mr","prefix_display":"MR.","first_name":"LEO","nickname":null,"middle_name":"C","last_name":"JARDOT","suffix":null,"suffix_display":null},"covered_position":null,"new":false}],"government_entities":[{"id":2,"name":"HOUSE OF REPRESENTATIVES"},{"id":1,"name":"SENATE"}]}],"conviction_disclosures":[],"foreign_entities":[],"affiliated_organizations":[]}]}