{"database": "lobbying", "table": "lobbying_activities", "is_view": false, "human_description_en": "where filing_period = \"fourth_quarter\", filing_year = 2024 and issue_code = \"BAN\" sorted by filing_year descending", "rows": [[3278511, "5dce12fc-c023-4b19-b2d0-0397b5a50958", "Q4", "CALIFORNIA AND NEVADA CREDIT UNION LEAGUES", 7725, "CALIFORNIA AND NEVADA CREDIT UNION LEAGUES", 2024, "fourth_quarter", "BAN", "credit union member business lending; credit union field of membership issues including maturity limits for federal credit unions; Fair lending; cannabis banking; Prompt Corrective Action for credit unions and capital reform. Community Development Financial Institutions. Nominations for the CFPB's Credit Union Advisory Council. Expanding Financial Access to Underserved Communities Act; The Expanding Financial Access for Underserved Communities Act, H.R. 582 and S. 610, The Credit Union Board Modernization Act. The Credit Card Competition Act (H.R. 3881, S. 1838); access to liquidity for credit unions; H.R. 4867/S. 539, Veterans Member Business Loan Act; H.R. 4198, Protecting Consumers from Abusive Mortgage Leads Act; H.R. 2798, CFPB Transparency and Accountability Reform Act; S. 610, Board Modernization Act; S. 1212, Secure Notarization Act; Debit Interchange (reg ii), Loan Maturities (H.R. 6933, the Expanding Access to Lending Options Act); Overseas Military Banking Program; CFPB Overdraft Protection Proposed Rule; Federal Home Loan Bank board organization; Federal Home Loan Bank definition of a CDFI.", "Consumer Financial Protection Bureau (CFPB),HOUSE OF REPRESENTATIVES,Natl Credit Union Administration (NCUA),SENATE,Treasury, Dept of", 0, 0, "2024-12-31T17:49:02-05:00"], [3278565, "c10c3d0b-1566-4c3e-bf0a-20a363d916b8", "Q4", "MORRISON & FOERSTER, LLP", 25897, "AMERICAN BANKERS ASSOCIATION", 2024, "fourth_quarter", "BAN", "Privacy, cybersecurity and data breach notification.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-01T09:33:40-05:00"], [3278602, "94ebaa71-9932-4213-84cc-e020b4bd35a8", "Q4", "MARSHALL BRACHMAN", 6848, "LOCKHEED MARTIN AERONAUTIC SECTOR", 2024, "fourth_quarter", "BAN", "support defense financing provisions", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-01T14:30:17-05:00"], [3278604, "83b567ec-f22f-44e1-9301-ee5b4c97e307", "Q4", "MARSHALL BRACHMAN", 6848, "ZIONS BANCORP", 2024, "fourth_quarter", "BAN", "support Congressional efforts to require large credit unions to become taxable monitor PPP legislation monitor legislation regarding ESG oppose the use of the USPS for banking work to mitigate proposed SEC rule on ESG monitor assessment date for FDIC insurance recapitalization monitor for legislation regarding long term debt regulations", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-01T14:33:19-05:00"], [3278684, "78db1bf3-e88d-45ca-a53b-7dca547b7bae", "Q4", "FIERCE GOVERNMENT RELATIONS", 401103500, "THE HOME DEPOT", 2024, "fourth_quarter", "BAN", "Housing Issues", "SENATE", 0, 0, "2025-01-01T22:47:24-05:00"], [3278817, "a65cc66d-0f83-4836-9f8c-21994c73f7da", "Q4", "KASASA", 400991824, "KASASA", 2024, "fourth_quarter", "BAN", "Banking", "Consumer Financial Protection Bureau (CFPB),Federal Deposit Insurance Corporation (FDIC),HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE", 0, 0, "2025-01-02T12:26:01-05:00"], [3278841, "c7885526-19aa-4b98-be59-1839fc342df3", "Q4", "MCKINNON GROUP, LLC, FORMERLY DOING BUSINESS AS RR&G, LLC", 306135, "CHARLES SCHWAB & CO INC", 2024, "fourth_quarter", "BAN", "Legislation with respect to federal banking and SEC regulation.", "HOUSE OF REPRESENTATIVES,Securities & Exchange Commission (SEC),SENATE", 0, 0, "2025-01-02T13:08:21-05:00"], [3278972, "a22d5a59-9579-4d1a-b278-7f9b63452972", "Q4", "OSCAR POLICY GROUP, LLC", 401106013, "AMERICAN COUNCIL OF INDEPENDENT LABORATORIES", 2024, "fourth_quarter", "BAN", "S. 1323 / H.R. 2891 - The Safe Banking Act S. 2860 - The Safer Banking Act", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-02T18:28:17-05:00"], [3279005, "7df3383e-3d96-4987-86bc-a1ab18ee1172", "Q4", "PORTER GROUP, LLC", 400745228, "CALIFORNIA/NEVADA CREDIT UNION LEAGUE", 2024, "fourth_quarter", "BAN", "Supported broadening definitions within the Community Development Financial Institutions to include Credit Unions through amendment language to the NDAA and new stand-alone legislation", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-02T20:32:31-05:00"], [3279016, "b81dea4f-e4ba-4af9-bfec-1fedd47a8d20", "Q4", "BLACKWELL STRATEGIC GROUP, LLC", 401107751, "BATTLE CREEK UNLIMITED", 2024, "fourth_quarter", "BAN", "HR 7963, Small Business Red Tape Relief Act, to hold the U.S. Treasury accountable for educating Main Street businesses on reporting responsibilities to prevent small businesses from being penalized for not complying with new requirements when they have not even been informed.", "HOUSE OF REPRESENTATIVES", 0, 0, "2025-01-02T21:24:03-05:00"], [3279058, "92c386aa-d06f-470e-b05a-07990d7f142b", "Q4", "PUBLIC CITIZEN", 32362, "PUBLIC CITIZEN", 2024, "fourth_quarter", "BAN", "Promote completion of banker pay reform, DF 956, Cap One/Discover merger, FIT21, prospective crypto legislation, lame duck issues.", "HOUSE OF REPRESENTATIVES,Justice, Dept of (DOJ),SENATE", 0, 0, "2025-01-03T10:29:18-05:00"], [3279095, "9d19ad57-d4c0-47fc-9bfe-35533a11aab5", "Q4", "JOHN LADD & ASSOCIATES, INC.", 401105133, "PROMERICA FINANCIAL CORPORATION", 2024, "fourth_quarter", "BAN", "Monitoring of international banking regulation.", "HOUSE OF REPRESENTATIVES,SENATE,State, Dept of (DOS),Treasury, Dept of", 0, 0, "2025-01-03T11:08:08-05:00"], [3279106, "3bf384dd-7bfb-4f10-8d2b-7fe88575d779", "Q4", "COMMERCE BANK", 400728185, "COMMERCE BANK", 2024, "fourth_quarter", "BAN", "The Credit Card Competition Act and efforts to create a credit card interest rate cap.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-03T11:21:28-05:00"], [3279146, "0668c5f6-1604-4546-8ff2-bcdb87cd3eae", "Q4", "ALLON ADVOCACY, LLC", 401104657, "ACHIEVE", 2024, "fourth_quarter", "BAN", "Issues related to consumer unsecured debt settlement.", "Consumer Financial Protection Bureau (CFPB),Federal Deposit Insurance Corporation (FDIC),Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE", 0, 0, "2025-01-03T13:54:44-05:00"], [3279158, "3b619beb-e423-48aa-94fd-6a391b004534", "Q4", "ALLON ADVOCACY, LLC", 401104657, "ASSOCIATION FOR CONSUMER DEBT RELIEF (FORMERLY AMERICAN ASS'N FOR DEBT RELIEF)", 2024, "fourth_quarter", "BAN", "Issues related to consumer unsecured debt settlement.", "Consumer Financial Protection Bureau (CFPB),Federal Trade Commission (FTC),HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-03T14:20:28-05:00"], [3279165, "6c45fd60-21f8-4ca2-9c50-b044592bca5a", "Q4", "ALLON ADVOCACY, LLC", 401104657, "YODLEE INC.", 2024, "fourth_quarter", "BAN", "Financial data aggregation; Section 1033 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); Prudential regulatory third-party vendor risk management.", "Consumer Financial Protection Bureau (CFPB),Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE", 0, 0, "2025-01-03T14:47:21-05:00"], [3279170, "a4b7ff57-0c04-4484-900e-837db9b7d689", "Q4", "ALLON ADVOCACY, LLC", 401104657, "FINANCIAL DATA AND TECHNOLOGY ASSOCIATION, FORMERLY FIN'L DATA & TECH'Y ASS'N NA", 2024, "fourth_quarter", "BAN", "Application of existing regulatory structure, including Regulation E and Regulation Z, on consumer-permissioned aggregation; bank third-party vendor risk management; Issues related to Section 1033 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203).", "Consumer Financial Protection Bureau (CFPB),Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE", 0, 0, "2025-01-03T15:02:44-05:00"], [3279202, "15948c68-271c-422f-b9aa-6f1170ce57c8", "Q4", "ALLON ADVOCACY, LLC", 401104657, "METHOD FINANCIAL", 2024, "fourth_quarter", "BAN", "Issues related to consumer-permissioned data access and implementation of Section 1033 of the Dodd-Frank Act, issues related to the Fair Credit Reporting Act, and bank-fintech arrangements.", "Consumer Financial Protection Bureau (CFPB),Federal Deposit Insurance Corporation (FDIC),HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-03T15:31:20-05:00"], [3279206, "fed78333-5bb6-4e87-8167-bac5cf6fae2b", "Q4", "ALLON ADVOCACY, LLC", 401104657, "TRUSTLY, INC.", 2024, "fourth_quarter", "BAN", "Issues related to implementation of Section 1033 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, issues related to bank-fintech arrangements, payment modernization, online banking, and consumer-permissioned data access.", "Consumer Financial Protection Bureau (CFPB),Federal Deposit Insurance Corporation (FDIC),Financial Crimes Enforcement Network (FinCEN),HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE", 0, 0, "2025-01-03T15:43:59-05:00"], [3279246, "c751631a-b8ae-482d-9261-c9e1ed669412", "Q4", "FIERCE GOVERNMENT RELATIONS", 401103500, "MUFG AMERICAS HOLDINGS CORPORATION", 2024, "fourth_quarter", "BAN", "General Banking Issues", "SENATE", 0, 0, "2025-01-03T22:49:14-05:00"], [3279247, "fcde6551-b184-4f9a-b4d3-18ffaec78d26", "Q4", "FIERCE GOVERNMENT RELATIONS", 401103500, "STRIPE, INC.", 2024, "fourth_quarter", "BAN", "Federal Payments Charter, H.R.4617 - SHIELD Act", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-03T22:50:55-05:00"], [3279462, "938531ba-eab2-4f5c-9f73-4cf4a66e76f8", "Q4", "THE WILLIAMS GROUP", 401104049, "NATIONAL BANKERS ASSOCIATION", 2024, "fourth_quarter", "BAN", "Legislation impacting minority depository institutions and CDFIs", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-05T20:59:54-05:00"], [3279467, "cb05a33d-1c6f-430a-b85b-17fe9279e32c", "Q4", "THE WILLIAMS GROUP", 401104049, "TRUIST", 2024, "fourth_quarter", "BAN", "Banking and securities reform legislation", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-05T21:09:20-05:00"], [3279471, "3c6612be-4ba8-436d-8b9c-649c39eff7b6", "Q4", "THE WILLIAMS GROUP", 401104049, "MUFG BANK, LTD.", 2024, "fourth_quarter", "BAN", "Banking reform legislation", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-05T21:12:30-05:00"], [3279484, "3dbf8617-aaf9-47b2-ae9a-afc41cbfc80d", "Q4", "CSA STRATEGY GROUP LLC (FORMERLY CSA STRATEGIES LLC)", 400428072, "GIANT EAGLE, INC.", 2024, "fourth_quarter", "BAN", "Issues related to interchange fees", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-06T08:01:41-05:00"], [3279661, "0d681a8b-c4fe-49a2-8d19-59081c54e716", "Q4", "CAPSTONE NATIONAL PARTNERS", 8214, "CUNA MUTUAL GROUP", 2024, "fourth_quarter", "BAN", "federal oversight", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-06T14:29:49-05:00"], [3279760, "70f98466-facf-4a2c-943d-dff267ece079", "Q4", "DALY CONSULTING GROUP", 400923683, "MARINER FINANCE", 2024, "fourth_quarter", "BAN", "Issues related to consumer finance.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-06T17:49:43-05:00"], [3279762, "944f3c54-feb8-430d-bb2f-73ed46b93fef", "Q4", "DALY CONSULTING GROUP", 400923683, "ALLY FINANCIAL", 2024, "fourth_quarter", "BAN", "Issues related to the banking industry.", null, 0, 0, "2025-01-06T17:50:53-05:00"], [3279767, "1e8b158c-c7f0-43d8-a1a1-689b651e1383", "Q4", "DALY CONSULTING GROUP", 400923683, "TRANSUNION LLC", 2024, "fourth_quarter", "BAN", "Issues related to the financial services industry.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-06T17:58:54-05:00"], [3279883, "59b52a70-714e-4106-895e-47ee5386160b", "Q4", "KRL INTERNATIONAL LLC", 315898, "IIB GROUP HOLDINGS W.L.L.", 2024, "fourth_quarter", "BAN", "General education on company and its interests in Africa", "HOUSE OF REPRESENTATIVES,SENATE,State, Dept of (DOS),Treasury, Dept of", 0, 0, "2025-01-07T11:03:20-05:00"], [3280012, "11f7d279-803d-49ca-925c-47c6b6d1aeb1", "Q4", "CRYPTO COUNCIL FOR INNOVATION", 401107058, "CRYPTO COUNCIL FOR INNOVATION", 2024, "fourth_quarter", "BAN", "Issues related to digital asset regulation; Issues related to stablecoin regulation; Issues related to SEC oversight; H.R.4763 - Financial Innovation and Technology for the 21st Century Act; H.R. 4766 -Clarity for Payment Stablecoins Act of 2023", "HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of", 0, 0, "2025-01-07T13:53:27-05:00"], [3280039, "891f4026-c8b6-4474-af53-ea8ef5a493d1", "Q4", "ZERO ONE STRATEGIES", 401108857, "BLOCK INC.", 2024, "fourth_quarter", "BAN", "Issues related to artificial intelligence and digital assets, including bitcoin.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-07T14:44:32-05:00"], [3280060, "5bce7a52-1437-487e-aabf-f47d4990c213", "4T", "ZERO ONE STRATEGIES", 401108857, "SORARE SAS", 2024, "fourth_quarter", "BAN", "Issues related to non-fungible tokens (NFTs) and blockchain technology.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 1, "2025-01-07T15:05:31-05:00"], [3280216, "42a23336-522e-4a3d-a29c-e08e2b6e5a12", "Q4", "RICH FEUER ANDERSON", 84775, "COINBASE, INC.", 2024, "fourth_quarter", "BAN", "Legislation and regulation affecting storage and trading of digital assets.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-07T19:02:08-05:00"], [3280230, "fd91c2c5-960a-4d97-bc11-46df4e22db79", "Q4", "RICH FEUER ANDERSON", 84775, "BLACKROCK FUNDS SERVICES GROUP LLC (FORMERLY BLACKROCK CAPITAL MANAGEMENT INC.)", 2024, "fourth_quarter", "BAN", "Regulation of asset management products and activities.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-07T19:24:09-05:00"], [3280237, "4bc58a65-afaa-4755-8d6a-3e2c95d4a98e", "Q4", "RICH FEUER ANDERSON", 84775, "APPRAISAL INSTITUTE", 2024, "fourth_quarter", "BAN", "Regulation of appraisers, including legislation to modernize the appraisal regulatory structure.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-07T19:26:00-05:00"], [3280239, "b39e2a4a-782e-4477-b3f0-460140a510c6", "Q4", "RICH FEUER ANDERSON", 84775, "SWIFT, INC.", 2024, "fourth_quarter", "BAN", "Imposition of sanctions on financial messaging services with respect to institutions in other countries.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-07T19:27:58-05:00"], [3280243, "7113724b-457f-4e8f-a880-fc03b189cc08", "Q4", "RICH FEUER ANDERSON", 84775, "SOCIAL FINANCE, INC.", 2024, "fourth_quarter", "BAN", "Regulation of online lenders, including potential national charters, application of banking regulations, and securitization of student loans. Issues related to banking and fintech policy.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-07T19:31:03-05:00"], [3280246, "725fea49-1d84-44ad-9336-2ac03bab0615", "Q4", "RICH FEUER ANDERSON", 84775, "MELLON FINANCIAL SERVICES CORPORATE #1 (FORMERLY BANK OF NEW YORK MELLON CORP.)", 2024, "fourth_quarter", "BAN", "Legislation and regulation affecting custody banking.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-07T19:31:55-05:00"], [3280251, "1cc20e0b-da5b-4025-88e7-ca53b66cf4f0", "Q4", "RICH FEUER ANDERSON", 84775, "AMERICAN EXPRESS COMPANY", 2024, "fourth_quarter", "BAN", "Legislation and regulation affecting prudential bank regulatory issues and payment systems. Legislation regarding cybersecurity, privacy, and incident reporting.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-07T19:34:46-05:00"], [3280346, "bfec5a6f-db01-4c2a-9e1c-74b3f2cf7035", "Q4", "RICH FEUER ANDERSON", 84775, "INSTITUTE OF INTERNATIONAL BANKERS", 2024, "fourth_quarter", "BAN", "Legislative and regulatory issues impacting foreign banking organizations, including Basel capital reforms.", "HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of", 0, 0, "2025-01-08T08:31:25-05:00"], [3280349, "122e751a-68c9-431e-abf9-5aa4f783c7bb", "Q4", "RICH FEUER ANDERSON", 84775, "AMERICAN INVESTMENT COUNCIL", 2024, "fourth_quarter", "BAN", "Legislative and regulatory policy related to leveraged lending, private credit funds, and nonbank systemic risk regulations.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-08T08:34:13-05:00"], [3280410, "f84e84bc-b248-49ae-9868-09dcb8cb0499", "Q4", "RICH FEUER ANDERSON", 84775, "NATIONAL CREDITORS BAR ASSOCIATION", 2024, "fourth_quarter", "BAN", "Legislation and regulations affecting creditors rights and the practice of law.", "Consumer Financial Protection Bureau (CFPB),HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-08T09:19:29-05:00"], [3280453, "19cda70f-7b6e-4f63-b7a6-048bfce131ae", "Q4", "CORNERSTONE GOVERNMENT AFFAIRS, INC.", 75557, "FIRST SERVICE CREDIT UNION", 2024, "fourth_quarter", "BAN", "Advocacy efforts related to financial markets; Credit Card Competition Act.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-08T10:37:06-05:00"], [3280512, "cd738213-a8d9-4287-b049-d07b45b443e7", "Q4", "THE NORMANDY GROUP, LLC", 306636, "ASSOCIATION OF MILITARY BANKS OF AMERICA", 2024, "fourth_quarter", "BAN", "Promoted Military Banking Improvement ACt", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-08T12:09:46-05:00"], [3280517, "bd88d8cc-eda5-48b3-b3ff-13077c34ad38", "4A", "THE NORMANDY GROUP, LLC", 306636, "ASSOCIATION OF MILITARY BANKS OF AMERICA", 2024, "fourth_quarter", "BAN", "Promoted Military Banking Improvement ACt", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-08T12:26:55-05:00"], [3280542, "8e7528f2-00d4-4857-9edc-7482745d61b4", "Q4", "AMERICAN FINANCIAL SERVICES ASSOCIATION", 2354, "AMERICAN FINANCIAL SERVICES ASSOCIATION", 2024, "fourth_quarter", "BAN", "legislation regarding the CFPB and regulation of the consumer credit industry, credit reporting legislation, auto lending regulations, TABS Act, CFPB Commission, and prevention of any legislation imposing rate caps", "Consumer Financial Protection Bureau (CFPB),HOUSE OF REPRESENTATIVES,SENATE,Small Business Administration (SBA),White House Office", 0, 0, "2025-01-08T13:01:37-05:00"], [3280658, "9ab1e9d6-3e3c-493e-8855-cb77d3b2d467", "Q4", "SQUIRE PATTON BOGGS", 30906, "NATIONAL CANNABIS ROUNDTABLE", 2024, "fourth_quarter", "BAN", "Reforming federal law and policy governing medical research, financial transactions, and tax deductions applicable to cannabis and allowing states and territories to set and enforce their own laws governing cannabis use, including the Secure and Fair Enforcement (SAFE) Banking Act; the Capital Lending and Investment for Marijuana Businesses (CLIMB) Act (H.R. 8200); the Common Sense Cannabis Reform for Veterans, Small Businesses, and Medical Professionals Act (H.R. 3105); and the States Reform Act (H.R. 5977).", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-08T14:54:01-05:00"], [3280791, "e4b5e652-e7d7-4b1c-97af-d553115229f8", "Q4", "FRANCHISEE ADVOCACY CONSULTING", 401108406, "AMERICAN ASSOCIATION OF FRANCHISEE & DEALERS", 2024, "fourth_quarter", "BAN", "Credit Card Competition Act, requiring competition in credit card processing.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-08T19:51:08-05:00"], [3280793, "93ec3068-6d2c-4925-a8c0-3abd5e333225", "Q4", "FRANCHISEE ADVOCACY CONSULTING", 401108406, "ASIAN AMERICAN HOTEL OWNERS ASSOCIATION (AAHOA)", 2024, "fourth_quarter", "BAN", "Credit Card Competition Act, S.1838, H.R. 3881, would require competition on credit card processors LIONS Act, H.R.7242/H.R.9176, would increase SBA 7(a) loan caps from $5M to $10M", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-08T19:55:33-05:00"], [3280933, "2ba23344-0a7d-4e71-886b-05c6fd374d1d", "Q4", "COMMUNITY BANKERS ASSOCIATION OF ILLINOIS", 400531588, "COMMUNITY BANKERS ASSOCIATION OF ILLINOIS", 2024, "fourth_quarter", "BAN", "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, OCC, FDIC) Legislation and Regulation - H.R. 10045 (All Sections) to provide emergency assistance to producers of eligible commodities for which the expected revenue on crop year 2024 is below projections (House) H.R. 3139 or the ACRE Act (All Sections) to provide that interest income on loans to ag borrowers secured by ag assets or residences in ag areas will be considered exempt for income tax purposes (House) S. 3502 or the Homebuyers Privacy Protection Act (Senate) (All Sections) and H.R. 7297 (House) (All Sections) are bills to prohibit credit reporting agencies from providing a credit report not initiated by a consumer if the report is being provided on the basis that the consumer has had a credit inquiry regarding a home mortgage loan. This practice, known as producing a trigger lead, provides notice to other mortgage lenders that the consumer is seeking a mortgage loan (Senate and House) S. 1838 or the Credit Card Competition Act (All Sections) to provide competition into the routing of credit card transactions (Senate) Letters - Comment Letter to the FDIC regarding Industrial Loan Companies (ILCs): NPR - Parent Companies of Industrial Banks and Industrial Loan Companies; RIN 3064-AF88 (FDIC) Comment Letter to the OCC, FDIC and the Federal Reserve regarding the EGRPRA Review concerning tiered regulations, consumer protections, directors/officers/employees, money laundering/BSA/AML, FinCEN and BOI reporting, and check fraud and reimbursements for community banks (OCC, FDIC, Federal Reserve) Comment Letter to the FDIC regarding brokered Deposits: NPR - Unsafe and Unsound Banking Practices; Brokered Deposit Restrictions - RIN 3064-AF99 (FDIC) Comment Letter to the Federal Reserve regarding Discount Window Borrowings: RFI - Operational Aspects of Federal Reserve Bank Extensions of thew Discount Window and Intraday Credit - Docket No. OP-1838 (Federal Reserve) Action Alerts - None Miscellaneous - Complaint to the Farm Credit Administrations Office of Inspector General regarding alleged illegal residential mortgage loan made by an FCS lender in a town which has a population in excess of 10,000 people which would be in violation of FCSs residential mortgage lending authority (Farm Credit) Concerns expressed to the Federal Housing Finance Agency regarding their Advisory Bulletin that focuses on credit risk management expectations for FHLBs (FHFA) Deposit Check Fraud - The prompt and reasonable reimbursements for community banks from the largest banks for fraudulently altered return checks, and the largest banks opening fraudulent accounts into which fraud items are being deposited, including - joint supervisory guidance addressed to the largest banks for their apparent management and compliance lapses, enhanced supervision, regulation and enforcement against the largest banks for CDD and CIP compliance - retaining the OCCs check fraud complaint email address (portal) - escalating complaints member resource - U.S. House member letter to the banking regulators, NCUA and FinCEN requesting briefing (House, OCC, Federal Reserve) Concerns expressed to the FDIC and OCC regarding the harmful impact of other agencys (i.e., CFPB and FHFA) rulemaking and policies on the banks these prudential regulators regulate for safety and soundness (FDIC and OCC)", "Farm Credit Administration,Federal Deposit Insurance Corporation (FDIC),Federal Housing Finance Agency (FHFA),Federal Reserve System,HOUSE OF REPRESENTATIVES,Office of the Comptroller of the Currency (OCC),SENATE", 0, 0, "2025-01-09T12:09:19-05:00"], [3280994, "3ec080d5-4207-4c80-84ea-a6da242d2d60", "Q4", "RIOT PLATFORMS, INC.", 401107260, "RIOT PLATFORMS, INC.", 2024, "fourth_quarter", "BAN", "Access to banking and AML issues for digital asset related companies", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-09T13:14:35-05:00"], [3281014, "a72ff725-3aa5-4967-867a-73d13b4304d3", "Q4", "TRULIEVE CANNABIS CORP.", 401106042, "TRULIEVE CANNABIS CORP.", 2024, "fourth_quarter", "BAN", "Spoke to a variety of members and staff on the issue of SAFER Banking as it relates to the cannabis industry.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-09T13:39:19-05:00"], [3281061, "2048abce-4172-4152-b00f-484aa5eb845c", "Q4", "CAPITOL ASSET STRATEGIES", 401109062, "LEDGER", 2024, "fourth_quarter", "BAN", "Issues related to digital assets.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-09T14:30:42-05:00"], [3281070, "2d658116-e377-40c1-8ab0-d74fefb7388d", "Q4", "INTERNATIONAL ASSOCIATION OF SHEET METAL, AIR, RAIL & TRANSPORTATION WORKERS", 35070, "INTERNATIONAL ASSOCIATION OF SHEET METAL AIR RAIL & TRANSPORTATION WORKERS", 2024, "fourth_quarter", "BAN", "S.5443-- Protecting Employees and Retirees in Business Bankruptcies Act", "SENATE", 0, 0, "2025-01-09T14:39:50-05:00"], [3281100, "65d7becc-55c2-41ac-835a-b1a408986baa", "Q4", "THE NICKLES GROUP, LLC", 293335, "MERCHANTS PAYMENTS COALITION, INC.", 2024, "fourth_quarter", "BAN", "S. 1838 / H.R. 3881 Credit Card Competition Act of 2023, issues related to swipe fees and competitive routing. S.4570 / H.R. 7531, Secure Payments Act. H.R. 8337, Bank Resilience & Regulatory Improvement Act.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-09T16:08:08-05:00"], [3281156, "32e5bc0c-3299-4587-bb3c-161b20c198b4", "Q4", "BLUE MOUNTAIN STRATEGIES", 401104249, "SMART APPROACHES TO MARIJUANA", 2024, "fourth_quarter", "BAN", "Issues related to SAFE Banking Act regarding marijuana banking and investment.", "SENATE", 0, 0, "2025-01-09T18:24:48-05:00"], [3281224, "5bbd0bc2-9a30-402d-9294-6c02eed818ee", "Q4", "MASON STREET CONSULTING, LLC", 401105150, "META PLATFORMS, INC.", 2024, "fourth_quarter", "BAN", "Section 230 of the Communications Decency Act.", "SENATE", 0, 0, "2025-01-10T07:13:07-05:00"], [3281275, "8365f2e4-aa24-4299-b618-4af1ba1e596e", "Q4", "LAVENDER CONSULTANTS", 401104727, "ONLINE LENDERS ALLIANCE", 2024, "fourth_quarter", "BAN", "CFPB Small Dollar Lending Rule Fintech Charter True Lender Legislation Valid When Made Legislation Dodd-Frank Section 1071", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-10T10:18:39-05:00"], [3281291, "12b559af-4db5-47ac-94d6-96f8b52a41cc", "Q4", "LAVENDER CONSULTANTS", 401104727, "ENOVA INTERNATIONAL, INC", 2024, "fourth_quarter", "BAN", "CFPB Small Dollar Lending Rule Fintech Charter Valid When Made Legislation True Lender Legislation Truth In Lending Act for Small Business Lending", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-10T10:24:41-05:00"], [3281303, "293d96ec-577c-4558-a2bb-5653b7699e65", "Q4", "THE DLM GROUP", 313794, "ATADA", 2024, "fourth_quarter", "BAN", "AML", "Bureau of Indian Affairs (BIA),Homeland Security, Dept of (DHS),HOUSE OF REPRESENTATIVES,Interior, Dept of (DOI),Justice, Dept of (DOJ),SENATE,State, Dept of (DOS),Treasury, Dept of,U.S. Customs & Border Protection", 0, 0, "2025-01-10T11:03:27-05:00"], [3281308, "e03df719-4d9b-47ad-947e-07e76b701dc1", "Q4", "THE DLM GROUP", 313794, "GLOBAL HERITAGE ALLIANCE, INC.", 2024, "fourth_quarter", "BAN", "AML", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-10T11:04:55-05:00"], [3281312, "29a161b5-cd4d-4127-92c5-6de0b1fe7c83", "Q4", "THE DLM GROUP", 313794, "ANCIENT COIN COLLECTORS GUILD", 2024, "fourth_quarter", "BAN", "AML", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-10T11:07:31-05:00"], [3281601, "9dae1e7f-d657-4c71-9438-8e834d987587", "Q4", "SHOPIFY INC", 401106080, "SHOPIFY INC", 2024, "fourth_quarter", "BAN", "Issues related to competition in the market for credit card routing, including support for H.R. 3881 / S. 1838, the Credit Card Competition Act of 2023.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-10T14:24:02-05:00"], [3282169, "35f53dcf-0586-41df-a273-dee32aa241b7", "Q4", "CAPITOL COUNSEL LLC", 313715, "EARLY WARNING SERVICES, LLC", 2024, "fourth_quarter", "BAN", "Advocacy with regard to electronic payments legislation.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-12T14:32:29-05:00"], [3282191, "d9d920c3-6875-45c1-9d20-7601d4022d9f", "Q4", "CAPITOL COUNSEL LLC", 313715, "PROVIDENT BANK", 2024, "fourth_quarter", "BAN", "Issues regarding the merger/acquisition of Lakeland Bank, NJ at the federal level.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-12T14:42:53-05:00"], [3282202, "0f8ba1eb-b125-4381-9d21-4305e023ce0b", "Q4", "CAPITOL COUNSEL LLC", 313715, "U.S. BANCORP", 2024, "fourth_quarter", "BAN", "Issues relating to financial services, regional banks, tax, and economic policy.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-12T14:46:51-05:00"], [3282252, "a97729d9-109b-4e26-a81b-04e137b1fbd5", "Q4", "BLOUNT STRATEGIC INITIATIVES", 401106022, "NATIONAL SHERIFF'S ASSOCIATION", 2024, "fourth_quarter", "BAN", "SAFE Banking Act", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-12T17:12:59-05:00"], [3282388, "7ffd2085-6a68-4e0b-bc6a-79b4495ca4ff", "Q4", "HOLLAND & KNIGHT LLP", 18466, "AMERICAN LAND TITLE ASSOCIATION", 2024, "fourth_quarter", "BAN", "Working with the title insurance industry in connection with housing & title matters.", "HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of", 0, 0, "2025-01-13T09:50:42-05:00"], [3282403, "281344ce-ce62-4cc3-a534-2a41846c2b94", "Q4", "HOLLAND & KNIGHT LLP", 18466, "THE US CANNABIS ROUNDTABLE F/K/A NATIONAL CANNABIS ROUNDTABLE", 2024, "fourth_quarter", "BAN", "S.2860 - The Secure and Fair Enforcement Regulation Banking Act (SAFER Banking Act).", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-13T09:59:05-05:00"], [3282484, "bb3a84aa-576e-44c2-a9e8-a4362beb7c1c", "Q4", "JGB & ASSOCIATES, LLC", 401017872, "CORNERSTONE GOVERNMENT AFFAIRS OBO CIRCLE INTERNET FINANCIAL, INC.", 2024, "fourth_quarter", "BAN", "Issues related to stablecoin legislation; S. 2281 the Responsible Financial Innovation Act.", "SENATE", 0, 0, "2025-01-13T11:21:27-05:00"], [3282493, "a86b3c7c-cadc-44e5-a2f4-a764e8ca97ab", "Q4", "JGB & ASSOCIATES, LLC", 401017872, "CORNERSTONE GOVERNMENT AFFAIRS OBO STRIPE, INC.", 2024, "fourth_quarter", "BAN", "Issues related to payment regulation.", "SENATE", 0, 0, "2025-01-13T11:25:45-05:00"], [3282610, "73647017-4cdf-4bb7-939e-dcce6d4331d6", "Q4", "FLORIDA BANKERS ASSOCIATION", 305511, "FLORIDA BANKERS ASSOCIATION", 2024, "fourth_quarter", "BAN", "Credit Unions", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-13T12:25:24-05:00"], [3282613, "28ec720f-2774-468d-b6a7-8144a5cd3bc7", "Q4", "RICH FEUER ANDERSON", 84775, "ENACT HOLDINGS, INC.", 2024, "fourth_quarter", "BAN", "Housing finance reform and operation of the Federal Housing Administration and the Federal government-sponsored housing enterprises.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-13T12:27:22-05:00"], [3282617, "4d90cd79-16b0-48fd-9e83-d11340f78d29", "Q4", "RICH FEUER ANDERSON", 84775, "CHIME FINANCIAL INC.", 2024, "fourth_quarter", "BAN", "Legislation and regulation relating to financial and fintech policy.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-13T12:29:02-05:00"], [3282620, "a5f81000-238e-410b-9207-3e2991643e74", "Q4", "RICH FEUER ANDERSON", 84775, "SENTILINK", 2024, "fourth_quarter", "BAN", "Implementation of the American Taxpayers First Act of 2019. Legislation and Regulation related to Customer Identification Program modernization; implementation of the Electronic Consent Based SSN Verification Service; and issues related to identify fraud. Issues related to treatment of fraud detection under the FCRA", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-13T12:32:57-05:00"], [3282624, "ea5d144f-7484-4cf5-8a7c-571dee93021a", "Q4", "RICH FEUER ANDERSON", 84775, "GEN DIGITAL INC (FORMERLY REPORTED AS MONEYLION TECHNOLOGIES INC. (MONEYLION)", 2024, "fourth_quarter", "BAN", "Legislation and regulation relating to consumer financial products and services. Legislation and regulation relating too data privacy.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-13T12:35:35-05:00"], [3282634, "ed62273b-32bc-4d80-b683-d0488f300691", "Q4", "CORNERSTONE GOVERNMENT AFFAIRS, INC.", 75557, "STRIPE, INC.", 2024, "fourth_quarter", "BAN", "Issues related to payment processors; HR 9488 the Secure Handling of Electronic Donations Act; issues related to payment regulation; and Tech issues related to payment processing.", "HOUSE OF REPRESENTATIVES", 0, 0, "2025-01-13T12:49:10-05:00"], [3282803, "d6e5c25b-a4dd-42c7-9c96-b0e8e8b8edc7", "Q4", "I STREET ADVOCATES", 51753, "PAYPAL", 2024, "fourth_quarter", "BAN", "financial technology policy; small business and consumer protection issue", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-13T14:34:12-05:00"], [3282971, "dadb8e03-e7bd-48ce-a78a-321841e4e7a3", "Q4", "ALPINE ADVISORS", 401106595, "COALITION FOR CANNABIS POLICY, EDUCATION AND REGULATION", 2024, "fourth_quarter", "BAN", "Issues pertaining to government-wide federal regulation of cannabis", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-13T15:41:09-05:00"], [3283036, "2b6b8ad1-b371-4d29-838b-48e2950ce5df", "Q4", "THE SMITH-FREE GROUP, LLC", 35800, "RAI SERVICES COMPANY", 2024, "fourth_quarter", "BAN", "Monitored S.1323, SAFE Banking Act of 2023 Monitored H.R.2891, SAFE Banking Act of 2023 Monitored S.2860, SAFER Banking Act", null, 0, 0, "2025-01-13T16:27:18-05:00"], [3283042, "a2689670-ceb7-4117-9977-6a1f6620a607", "Q4", "LIVE OAK BANKING COMPANY (FORMERLY KNOWN AS LIVE OAK BANK)", 401104559, "LIVE OAK BANK", 2024, "fourth_quarter", "BAN", "- Issues related to FDIC Corporate Governance Rulemaking, 12 CFR Parts 308 and 364 RIN 3064-AF94, Guidelines Establishing Standards for Corporate Governance and Risk Management for Covered Institutions With Total Consolidated Assets of $10 Billion or More - H.R. 4763, Financial Innovation and Technology for the 21st Century Act", "Federal Deposit Insurance Corporation (FDIC),HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-13T16:33:06-05:00"], [3283055, "ed4d3f56-313f-4a88-b609-1183941b6921", "Q4", "KATE MOSS", 25988, "DISCOVER FINANCIAL SERVICES", 2024, "fourth_quarter", "BAN", "Issues impacting credit cards and payment systems", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-13T16:43:37-05:00"], [3283080, "1926a0ac-4d9e-491b-9e0e-5c7059b77de1", "Q4", "NATIONAL ASSOCIATION OF GOVERNMENT GUARANTEED LENDERS, INC.", 26796, "NATIONAL ASSOCIATION OF GOVERNMENT GUARANTEED LENDERS INC", 2024, "fourth_quarter", "BAN", "Small Business Administration 7(a) loan program - program policy, appropriations, authorization level, including regulatory and other Agency policy changes; Paycheck Protection Program - program policy, implementation, modification, second draw loans; H.R. 8773, Financial Services and General Government Appropriations Act, 2025; H.R. 9747, Continuing Appropriations and Extensions Act, 2025 [PL 118-83]; H.R. 10545, American Relief Act, 2025 [PL 118-158]", "HOUSE OF REPRESENTATIVES,SENATE,Small Business Administration (SBA)", 0, 0, "2025-01-13T17:04:32-05:00"], [3283467, "173343d3-e6d1-4091-aef5-bfc9e276dadc", "Q4", "MIZUHO BANK, LTD.", 401104773, "MIZUHO BANK, LTD.", 2024, "fourth_quarter", "BAN", "Discussions regarding the China issues. Discussions regarding the Inflation Reduction Act. Issues related to capital markets - no specific legislation. Discussions regarding bank holding company regulation, including Basel III rulemaking - no specific legislation.", "HOUSE OF REPRESENTATIVES,Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of", 0, 0, "2025-01-14T09:32:46-05:00"], [3283515, "bf4fb01e-1a21-4767-bd59-1a88e5fb5e92", "Q4", "NATIONAL CANNABIS INDUSTRY ASSOCIATION", 400750245, "NATIONAL CANNABIS INDUSTRY ASSOCIATION", 2024, "fourth_quarter", "BAN", "HR 2891: the SAFE Banking Act. Lobbying Congress to provide banking related safe harbor for cannabis and cannabis-related businesses. S. 2860: The SAFER Banking Act. Lobbying Congress to provide banking related safe harbor for cannabis and cannabis-related businesses.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-14T09:43:46-05:00"], [3283711, "bf618807-4ed4-41b4-a843-0aa0bc396673", "Q4", "WESTERN UNION", 323672, "WESTERN UNION", 2024, "fourth_quarter", "BAN", "general cross border remittance issues; remittance issues related to Cuba; legal issues related to the Democratic Republic of the Congo; issues related to Ukrainian sanctions; remittance activity and outbound remittances from Iraq; general bank de-risking issues; general issues concerning money service businesses; general issues related to anti-money laundering and terrorist finance including money service business know your customer and know your agent requirements; issues related to implementation of the Dodd-Frank Act regarding money remitters; issues related to disclosures and foreign exchange rates; issues related to financial fraud; regulation and licensing of money remitters; data protection; privacy and related issues working with law enforcement; financial services integration; human trafficking; taxes and/or fees related to money transmission; identification requirements for consumers transacting with money remitters; issues related to banking services for cannabis related businesses; issues related to crypto currency and central bank digital currency; H.R.114 - Fund and Complete the Border Wall Act; H.R. 672 - Border Security Investment Act; S.3516/ H.R. 6817 - A bill to impose a fee on certain remittance transfers to fund border security.", "Commerce, Dept of (DOC),Federal Reserve System,Homeland Security, Dept of (DHS),HOUSE OF REPRESENTATIVES,SENATE,State, Dept of (DOS),Treasury, Dept of,White House Office", 0, 0, "2025-01-14T10:47:46-05:00"], [3283804, "831cf6af-1278-4f0f-a7bb-b2b6ffca96c3", "Q4", "PHILIP BECHTEL", 284356, "COUNCIL OF FEDERAL HOME LOAN BANKS", 2024, "fourth_quarter", "BAN", "Potential legislation and regulation concerning the Federal Home Loan Banks that may arise from the FHFA's FHLBank System at 100 report, including FHFA's request for input concerning the FHLBanks' mission; legislation addressing the mission and activities of the FHLBanks including the Federal Home Loan Bank Mission Implementation Act; general FHLBank matters.", "Federal Housing Finance Agency (FHFA),HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-14T11:20:24-05:00"], [3283825, "50f7e9f2-21b4-48e7-8d4e-27a6779f5848", "Q4", "ANCHOR LABS, INC.", 401106823, "ANCHOR LABS, INC.", 2024, "fourth_quarter", "BAN", "S. 4356 - Lummis-Gillibrand Responsible Financial Innovation Act - comprehensive crypto bill; Securities and Exchange Commission's Staff Accounting Bulletin No. 121 (SAB 121); H.R. 4766, Clarity for Payment Stablecoins Act; H.R. 4763, Financial Innovation and Technology for 21st Century (FIT) Act - comprehensive crypto legislation; AML legislation (S. 2355 Crypto-Asset National Security Enhancement and Enforcement (CANSEE) Act and S. 2355, Digital Asset Anti-Money Laundering Act (DAAMLA) - legislation related to BSA/ AML/ KYC for crypto; H.R. 5741, the Uniform Treatment of Custodian Assets Act - rescinds SAB 121. H.J. Res. 109 - rescinds SAB 121. S. 4155 Lummis-Gillibrand Payment Stablecoin Act - federal stablecoin legislaiton; additional stablecoin and crypto market structure legislation not yet introduced.", "Federal Reserve System,HOUSE OF REPRESENTATIVES,Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of,White House Office", 0, 0, "2025-01-14T11:30:06-05:00"], [3283871, "070048bf-4d56-4727-b570-d7259ce8574b", "Q4", "THE SMITH-FREE GROUP, LLC", 35800, "THE KROGER CO.", 2024, "fourth_quarter", "BAN", "Monitored discussions related to credit card swipe fees.", null, 0, 0, "2025-01-14T11:54:30-05:00"], [3283903, "d7a66768-c1e3-4872-9e7e-1e3be4895f1c", "Q4", "CAPITOL COUNSEL LLC", 313715, "CAPITAL ONE FINANCIAL CORP.", 2024, "fourth_quarter", "BAN", "Issues related to Basel Capital Standards and credit card fees.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-14T12:03:51-05:00"], [3283908, "e7faca03-6220-4eeb-98c0-fe6678f5c3a3", "Q4", "CAPITOL COUNSEL LLC", 313715, "CONSUMER BANKERS ASSOCIATION", 2024, "fourth_quarter", "BAN", "Issues related to the National Credit Reporting Agency, consumer credit and overdraft protections. Issues related to credit card network interchange fees. Issues related to U.S. Postal Service banking services. Issues related to interest rate caps.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-14T12:07:02-05:00"], [3284034, "3379c83d-c6a4-4f41-b0a3-54c8fc991368", "Q4", "SQUIRE PATTON BOGGS", 30906, "CENTRAL AMERICAN BANK FOR ECONOMIC INTEGRATION (CABEI)", 2024, "fourth_quarter", "BAN", "Educate US policymakers on bank mission, operation and compliance; Counsel client on the scope, applicability and potential impact of S. 1881 on its operations.", "HOUSE OF REPRESENTATIVES,Natl Security Council (NSC),SENATE,State, Dept of (DOS),Treasury, Dept of,White House Office", 0, 0, "2025-01-14T13:03:10-05:00"], [3284108, "2d435231-936c-4d08-847c-b2f236363cd4", "Q4", "NACHA, THE ELECTRONIC PAYMENTS ASSOCIATION", 401103937, "NACHA, THE ELECTRONIC PAYMENTS ASSOCIATION", 2024, "fourth_quarter", "BAN", "Electronic Payments, focused on ACH Payments & Faster Payments ncluding expanding The National Settlement Service", "Consumer Financial Protection Bureau (CFPB),Federal Reserve System,HOUSE OF REPRESENTATIVES,SENATE,Treasury, Dept of", 0, 0, "2025-01-14T13:39:50-05:00"], [3284136, "eeb2f321-190d-4aff-8e80-566c8ac099fa", "Q4", "M&T BANK CORPORATION", 401104858, "M&T BANK CORPORATION", 2024, "fourth_quarter", "BAN", "General discussions and monitoring of activities related to bank regulation.", "HOUSE OF REPRESENTATIVES,SENATE", 0, 0, "2025-01-14T13:52:03-05:00"], [3284584, "9c04d16b-75c6-44c2-a5b2-86ea698a76c0", "4T", "JTI MARKETING & COMMUNICATIONS, INC. DBA JTI, INC.", 401108725, "DAVIS BANCORP", 2024, "fourth_quarter", "BAN", "H.R.4128 - 118th Congress (2023-2024) Introduced in House (06/14/2023) Payment Choice Act of 2023 The Payment Choice Act of 2023 requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties. Mandate: To raise awareness and assist in the promotion of legislation (Payment Choice Act of 2023) in order to preserve the right to use cash to purchase basic needs. It is important that both the public and political representatives understand the dangers and inequities of the growing trend towards digital-only payments. While convenient for some, it is harmful to others for reasons of fairness, resilience, privacy and safety. Cash does not incur transaction fees, interest or overdraft fees. People who can pay digitally still want the right to choose whether to use cash. A recent survey by the Federal Reserve Bank showed that over 90% of US consumers plan to use cash to make imminent payments - or to store it to meet their future needs. Cash is legal tender. 5.9+ million Americans who are unbanked and underbanked rely on cash to pay for necessities. Digital payments are generally not an option for those who live paycheck-to-paycheck. The need and desire to use cash spans the entire age spectrum of our society. Retirees often cash and live off their social security checks throughout the month. And, nearly 70% of Gen-Zers use cash more than they did 12 months ago, according to a 2024 Credit Karma online survey, mostly as a way to better budget their living expenses. Many consumers have concerns about the privacy of digital payments, particularly with respect to data collection, fraud and identity theft. Cash is needed for resilience. When the power grid collapses as a result of natural disasters, cyber-attacks, or software glitches, cash is the only way to pay for food, water, medicine and other needs until it is restored.", "HOUSE OF REPRESENTATIVES", 0, 1, "2025-01-14T18:13:48-05:00"], [3284587, "426ce2f0-625a-4a64-b05d-a4d55548b067", "Q4", "JTI MARKETING & COMMUNICATIONS, INC. DBA JTI, INC.", 401108725, "FIFTH THIRD BANK", 2024, "fourth_quarter", "BAN", "H.R.4128 - 118th Congress (2023-2024) Introduced in House (06/14/2023) Payment Choice Act of 2023 The Payment Choice Act of 2023 requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties. Mandate: To raise awareness and assist in the promotion of legislation (Payment Choice Act of 2023) in order to preserve the right to use cash to purchase basic needs. It is important that both the public and political representatives understand the dangers and inequities of the growing trend towards digital-only payments. While convenient for some, it is harmful to others for reasons of fairness, resilience, privacy and safety. Cash does not incur transaction fees, interest or overdraft fees. People who can pay digitally still want the right to choose whether to use cash. A recent survey by the Federal Reserve Bank showed that over 90% of US consumers plan to use cash to make imminent payments - or to store it to meet their future needs. Cash is legal tender. 5.9+ million Americans who are unbanked and underbanked rely on cash to pay for necessities. Digital payments are generally not an option for those who live paycheck-to-paycheck. The need and desire to use cash spans the entire age spectrum of our society. Retirees often cash and live off their social security checks throughout the month. And, nearly 70% of Gen-Zers use cash more than they did 12 months ago, according to a 2024 Credit Karma online survey, mostly as a way to better budget their living expenses. Many consumers have concerns about the privacy of digital payments, particularly with respect to data collection, fraud and identity theft. Cash is needed for resilience. When the power grid collapses as a result of natural disasters, cyber-attacks, or software glitches, cash is the only way to pay for food, water, medicine and other needs until it is restored.", "HOUSE OF REPRESENTATIVES", 0, 0, "2025-01-14T18:21:48-05:00"], [3284590, "fb007b9a-c125-454d-9a84-b232e1ef6904", "Q4", "JTI MARKETING & COMMUNICATIONS, INC. DBA JTI, INC.", 401108725, "LOWERS RISK GROUP", 2024, "fourth_quarter", "BAN", "H.R.4128 - 118th Congress (2023-2024) Introduced in House (06/14/2023) Payment Choice Act of 2023 The Payment Choice Act of 2023 requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties. Mandate: To raise awareness and assist in the promotion of legislation (Payment Choice Act of 2023) in order to preserve the right to use cash to purchase basic needs. It is important that both the public and political representatives understand the dangers and inequities of the growing trend towards digital-only payments. While convenient for some, it is harmful to others for reasons of fairness, resilience, privacy and safety. Cash does not incur transaction fees, interest or overdraft fees. People who can pay digitally still want the right to choose whether to use cash. A recent survey by the Federal Reserve Bank showed that over 90% of US consumers plan to use cash to make imminent payments - or to store it to meet their future needs. Cash is legal tender. 5.9+ million Americans who are unbanked and underbanked rely on cash to pay for necessities. Digital payments are generally not an option for those who live paycheck-to-paycheck. The need and desire to use cash spans the entire age spectrum of our society. Retirees often cash and live off their social security checks throughout the month. And, nearly 70% of Gen-Zers use cash more than they did 12 months ago, according to a 2024 Credit Karma online survey, mostly as a way to better budget their living expenses. Many consumers have concerns about the privacy of digital payments, particularly with respect to data collection, fraud and identity theft. Cash is needed for resilience. When the power grid collapses as a result of natural disasters, cyber-attacks, or software glitches, cash is the only way to pay for food, water, medicine and other needs until it is restored.", "HOUSE OF REPRESENTATIVES", 0, 0, "2025-01-14T18:27:21-05:00"], [3284593, "56f39180-5745-4e58-8142-127f331baa5a", "Q4", "JTI MARKETING & COMMUNICATIONS, INC. DBA JTI, INC.", 401108725, "BRINKS, INC.", 2024, "fourth_quarter", "BAN", "H.R.4128 - 118th Congress (2023-2024) Introduced in House (06/14/2023) Payment Choice Act of 2023 The Payment Choice Act of 2023 requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties. Mandate: To raise awareness and assist in the promotion of legislation (Payment Choice Act of 2023) in order to preserve the right to use cash to purchase basic needs. It is important that both the public and political representatives understand the dangers and inequities of the growing trend towards digital-only payments. While convenient for some, it is harmful to others for reasons of fairness, resilience, privacy and safety. Cash does not incur transaction fees, interest or overdraft fees. People who can pay digitally still want the right to choose whether to use cash. A recent survey by the Federal Reserve Bank showed that over 90% of US consumers plan to use cash to make imminent payments - or to store it to meet their future needs. Cash is legal tender. 5.9+ million Americans who are unbanked and underbanked rely on cash to pay for necessities. Digital payments are generally not an option for those who live paycheck-to-paycheck. The need and desire to use cash spans the entire age spectrum of our society. Retirees often cash and live off their social security checks throughout the month. And, nearly 70% of Gen-Zers use cash more than they did 12 months ago, according to a 2024 Credit Karma online survey, mostly as a way to better budget their living expenses. Many consumers have concerns about the privacy of digital payments, particularly with respect to data collection, fraud and identity theft.", "HOUSE OF REPRESENTATIVES", 0, 0, "2025-01-14T18:40:21-05:00"], [3284605, "7bb8c1c0-712b-4414-8bff-79b810b50634", "Q4", "JTI MARKETING & COMMUNICATIONS, INC. DBA JTI, INC.", 401108725, "LOOMIS ARMORED US", 2024, "fourth_quarter", "BAN", "H.R.4128 - 118th Congress (2023-2024) Introduced in House (06/14/2023) Payment Choice Act of 2023 The Payment Choice Act of 2023 requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less, and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location. The bill provides for enforcement through preventative relief, damages, and civil penalties. Mandate: To raise awareness and assist in the promotion of legislation (Payment Choice Act of 2023) in order to preserve the right to use cash to purchase basic needs. It is important that both the public and political representatives understand the dangers and inequities of the growing trend towards digital-only payments. While convenient for some, it is harmful to others for reasons of fairness, resilience, privacy and safety. Cash does not incur transaction fees, interest or overdraft fees. People who can pay digitally still want the right to choose whether to use cash. A recent survey by the Federal Reserve Bank showed that over 90% of US consumers plan to use cash to make imminent payments - or to store it to meet their future needs. Cash is legal tender. 5.9+ million Americans who are unbanked and underbanked rely on cash to pay for necessities. Digital payments are generally not an option for those who live paycheck-to-paycheck. The need and desire to use cash spans the entire age spectrum of our society. Retirees often cash and live off their social security checks throughout the month. And, nearly 70% of Gen-Zers use cash more than they did 12 months ago, according to a 2024 Credit Karma online survey, mostly as a way to better budget their living expenses. 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