{"database": "lobbying", "table": "lobbying_activities", "rows": [[1809598, "d72d6b8a-cf8a-4ae9-8b1b-860c40c431dc", "Q1", "COMMUNITY BANKERS ASSOCIATION OF ILLINOIS", 400531588, "COMMUNITY BANKERS ASSOCIATION OF ILLINOIS", 2016, "first_quarter", "CSP", "Community Bankers Association of Illinois (CBAI) 2015 Federal Policy Priorities (House and Senate, FDIC, OCC, CFPB)\n\nTiered Regulation and Supervision for Community Banks - \nThe Independent Community Bankers of Americas Plan for Prosperity-\n\nOutsized risks taken by Wall Street mega banks during the financial crisis.  The different/modest risks posed by community banks.  Regulations not reflecting those differences.  Regulatory burden on community banks by a one-size-fits-all approach.  Disproportionate burden of banking laws and regulations on community banks.  Credit unions, Farm Credit System lenders and other non-bank financial service providers not subject to the same laws and regulations as community banks.  Unlevel playing field and a significant competitive disadvantage for community banks.\n\nIndependent Community Bankers of Americas (ICBA) Plan for Prosperity - a regulatory platform - community banks able to thrive and contribute to local economies. \n\nExcessive, redundant and costly regulations.  Regulatory accountability.  Community banks dedicating resources to promoting economic growth. Steady increase in regulations over many decades.  Regulatory threats to community banks and their communities.\n \nThe Plan for Prosperity regarding:\nBasel III original intent.\nadditional capital for small holding companies - modernize the Federal Reserves Policy Statement.\nSecurities and Exchange Commission rules.\nreforming mortgage lending.\naccountability in bank exams by providing an appeals process.\nbank oversight and examinations - targeting risks.\nannual requirement for redundant privacy notices.\nconsumer regulation - inclusive and accountable CFPB governance.\narbitrary disparate impact fair lending causes of action.\nviability of mutual banks with new charter options.\ncost-benefit analysis to justify new rules.\nred tape in small business lending - burdensome data collection.\ncommunity bank mortgage servicing.\nTreasury Assistant Secretary for Community Banks.\nsubchapter S constraints.\nfive-year loss carryback - support for lending during economic downturns.\nrisk targeting in the Volcker Rule. \n\nTiered regulatory system based on size and risk profile - banking law, rule, and regulation clearly distinguishing and appropriately regulating community banks.\n\nEnhanced Cyber, Data and Payment Card Security -\nEstablish a federal data security standard and notice requirement for all entities that store consumer data comparable to the Gramm-Leach-Bliley Act (GLBA) standards that apply to community banks.   Shifting the liability for all costs associated with the data breach - including fraud losses and the cost of card reissuance - to the party that caused the breach. \n\n \nLegislation -\n\nH.R. 1233 and S. 812 - CLEAR Relief Act of 2015 (tiered regulatory reform and relief for community banks) (All sections) (House and Senate, FDIC, OCC, CFPB)\n\nH.R. 2205 and S. 961 - Data Security Act of 2015 (data breach and security, notifications, safeguards, GLBA compliance procedures) (All sections) (House and Senate, FDIC, OCC, CFPB)\n\n\nComment Letters -\n\nComment Letter - Federal Reserve, FDIC, OCC (Regarding - Economic Growth and Recovery Paperwork Reduction Act (EGRPRA decennial regulatory review process) - specifically Bank Secrecy Act (BSA)/Anti-Money Laundering (AML), Community Reinvestment Act (CRA), repeat examination findings, brokered deposits (Call Report and waivers), and FR Y-8 reporting (as contained in CBAI Comment Letters - Docket ID FFIEC-2014-0001 and Docket No. R-1510) (House)\n\nComment letter - Financial Crimes Enforcement Network (FinCEN), (Regulatory Impact Assessment & Initial Flexibility Analysis - Customer Due Diligence Requirements for Financial Institutions, RIN 1506-AB25 - breakeven analysis of new regulations, clarify and strengthen customer due diligence (CDD) requirements regarding beneficial owners of legal entity customers) (House)", "Consumer Financial Protection Bureau (CFPB),Consumer Product Safety Commission (CPSC),Federal Deposit Insurance Corporation (FDIC),Federal Reserve System,Financial Crimes Enforcement Network (FinCEN),HOUSE OF REPRESENTATIVES,Natl Credit Union Administration (NCUA),Office of the Comptroller of the Currency (OCC),SENATE", 0, 0, "2016-04-16T15:35:02.047000-04:00"]], "columns": ["id", "filing_uuid", "filing_type", "registrant_name", "registrant_id", "client_name", "filing_year", "filing_period", "issue_code", "specific_issues", "government_entities", "is_no_activity", "is_termination", "received_date"], "primary_keys": ["id"], "primary_key_values": ["1809598"], "units": {}, "query_ms": 0.17892697360366583, "source": "Federal Register API & Regulations.gov API", "source_url": "https://www.federalregister.gov/developers/api/v1", "license": "Public Domain (U.S. Government data)", "license_url": "https://www.regulations.gov/faq"}