Clerk of the House of Representatives
Legislative Resource Center
135 Cannon Building
Washington, DC 20515
http://lobbyingdisclosure.house.gov 		Secretary of the Senate
Office of Public Records
232 Hart Building
Washington, DC 20510
http://www.senate.gov/lobby
LOBBYING REPORT

Lobbying Disclosure Act of 1995 (Section 5) - All Filers Are Required to Complete This Page

1. Registrant Name Organization/Lobbying Firm Self Employed Individual
INDEPENDENT COMMUNITY BANKERS OF AMERICA

2. Address

Address1
1100 New York Avenue, NW
 Address2
​Suite 500 East
City
WASHINGTON
 State
DC
 Zip Code
20005-3964
 Country
USA

3. Principal place of business (if different than line 2)

City
​
State
​
Zip Code
​
Country
​
4a. Contact Name b. Telephone Number c. E-mail
​Mr.
​Paul Merski
​2022464893
​paul.merski@icba.org
5. Senate ID#
​19194-12
7. Client Name Self Check if client is a state or local government or instrumentality
​INDEPENDENT COMMUNITY BANKERS OF AMERICA
6. House ID#
​311220000
TYPE OF REPORT 8. Year
​2025
 Q1 (1/1 - 3/31) Q2 (4/1 - 6/30) Q3 (7/1 - 9/30) Q4 (10/1 - 12/31)

9. Check if this filing amends a previously filed version of this report

10. Check if this is a Termination Report Termination Date
​
11. No Lobbying Issue Activity
INCOME OR EXPENSES - YOU MUST complete either Line 12 or Line 13
12. Lobbying 13. Organizations
INCOME relating to lobbying activities for this reporting period was: EXPENSE relating to lobbying activities for this reporting period were:
Less than $5,000
Less than $5,000
$5,000 or more $
​
$5,000 or more $
​866,841.00
Provide a good faith estimate, rounded to the nearest $10,000, of all lobbying related income for the client (including all payments to the registrant by any other entity for lobbying activities on behalf of the client). 14. REPORTING Check box to indicate expense accounting method. See instructions for description of options.
Method A. Reporting amounts using LDA definitions only

Method B. Reporting amounts under section 6033(b)(8) of the Internal Revenue Code

Method C. Reporting amounts under section 162(e) of the Internal Revenue Code

Signature
Digitally Signed By: Paul Merski
 Date
10/20/2025 10:46:01 AM

LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed.

15. General issue area code AGR

16. Specific lobbying issues

HR 1822 The ACRE Act
H.R. 3633, the CLARITY Act
S 838 The ACRE Act
S. 2100, Modernizing Agricultural and Manufacturing Bonds Act
Digital assets
The FARM Act
Farm, Food, and National Security Act of 2024 (Commodity title; crop insurance and USDA Guar. Loans)
Opposition to Farm Credit System Provisions

17. House(s) of Congress and Federal agencies Check if None

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES

18. Name of each individual who acted as a lobbyist in this issue area

First Name Last Name Suffix Covered Official Position (if applicable) New
Anne
Balcer
​
​
Stephen
Keen
​
​
James
Keller
​
​
Susan
Kinney
​
​
Paul
Merski
​
​
Rebeca
Romero Rainey
​
​
Mark
Scanlan
​
​

19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None

​

LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed.

15. General issue area code BAN

16. Specific lobbying issues

H.R. 478 The Promoting New Bank Formation Act
H.R. 940 The FAIR Exams Act
H.R. 941 The Small LENDER Act
H.R. 975 Credit Union Board Modernization Act
H.R. 976 The 1071 Repeal to Protect Small Business Lending Act
H.R. 1606 Making the CFPB Accountable to Small Businesses Act
H.R. 1652 Rectifying UDAAP Act
H.R. 1799 The Financial Reporting Threshold Modernization Act
H.R. 1919 Anti-CBDC Surveillance State Act
H.R. 1944 10 Percent Credit Card Interest Rate Cap Act
H.R. 2808 The Homebuyers Privacy Protection Act
H.R. 2392 Stablecoin Transparency and Accountability for a Better Ledger Economy Act of 2025
H.R. 2835 The Small Bank Holding Company Relief Act
H.R. 2885 The Bank Loan Privacy Act
H.R. 3234 Reciprocal Deposits
H.R. 3380 TAILOR Act of 2025
H.R. 3390 Bringing the Discount Window into the 21st Century Act
H.R. 3446 FDIC Board Accountability Act- Rep. Huizenga
H.R. 3633 The CLARITY Act
H.R. 3709 Advancing the Mentor-Protege Program for Small Financial Institutions Act
H.R. 4437 SMART Act
H.R. 4478 TRUST Act
H.R. 5079 Widespread Information Management for the Welfare of Infrastructure and Government Act
H.R. 5262 The Bank Competition Modernization Act
H.R. 5276 The Community Bank LIFT Act
H.R. 5263 The Bank Competition Modernization Act
H.R. 5291 The Merchant Banking Modernization Act
H.R. 5317 The Community Bank Deposit Access Act of 2025
H.R. 8071 Fair Exams Act
S. 113 The Promoting New Bank Formation Act
S. 394 Guiding and Establishing National Innovation for U.S. Stablecoins Act of 2025
S. 427 The TAILOR Act
S. 557 The 1071 Repeal to Protect Small Business Lending Act
S. 1124 Anti-CBDC Surveillance State Act
S. 1260 Rural Housing Service Reform Act of 2025 - SEC. 301. Native CDFI Relending Program
S. 1467 Homebuyers Privacy Protection Act
S. 1582 Guiding and Establishing National Innovation for U.S. Stablecoins Act of 2025
S. 1880 CDFI Bond Guarantee Improvement Act
S. 2296 National Defense Authorization Act
S. 2352 The PROTECTED Act
S. 2486 Protecting Access to Credit for Small Businesses Act
S. 2663 Merchant Banking Modernization Act
S. 2704 CDFI Fund Transparency Act
S. 2999 Main Street Depositor Protection Act
S.J. Res 18 CRA Resolution Disapproving of the CFPB Overdraft Rule
Amendment 3640 to S. 2296 National Defense Authorization Act - CDFIs
Amendment 3649 to the S. 2296 National Defense Authorization Act - Deposit Insurance
Artificial Intelligence
Bank Loan Privacy Act
Central Bank Digital Currency
CFPB 1033 Rule
Community Bank Access to Capital
Community Development Financial Institutions Certification
Community Reinvestment Act
Credit Card Competition Act/Credit Routing
Credit Reporting
Credit Union Acquisitions of Community Banks
Credit Union Business Lending Powers
Credit Union Field of Membership Rules
Cybersecurity Information Sharing Act (CISA) Reauthorization
Data Privacy
De Novo Bank Formation
Deposit Insurance
Digital Assets Regulation
EGRPRA Review
Federal Reserve Master Accounts
FHFA Capital Rules
Flood Insurance
Fraud and Scams
Gramm-Leach-Bliley Act (GLBA)
Industrial Loan Company Charter Policy
Issues related to the Federal Home Loan Bank Act
Minority Depository Institutions
Mutual Bank Capital Certificates
Regulatory Relief
Responsible Financial Innovation Act
Stablecoin Regulation

17. House(s) of Congress and Federal agencies Check if None

U.S. HOUSE OF REPRESENTATIVES, U.S. SENATE, Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Office of the Comptroller of the Currency (OCC), Treasury - Dept of

18. Name of each individual who acted as a lobbyist in this issue area

First Name Last Name Suffix Covered Official Position (if applicable) New
Anne
Balcer
​
​
Jenna
Burke
​
​
Michael
Emancipator
​
​
Walter
Haynie
​
​
Stephen
Keen
​
​
James
Keller
​
​
Susan
Kinney
​
​
Michael
Marshall
​
​
Sam
Mayper
​
​
Paul
Merski
​
​
Rebeca
Romero Rainey
​
​
Timothy
Roy
​
​
Mark
Scanlan
​
​
Lilliane
Thomas
​
​
Amber
Milenkevich
​
Jared Sutton, Senate Banking Committee; Evan Ashy, Congressman Cleo Fields

19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None

​

LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed.

15. General issue area code HOU

16. Specific lobbying issues

H.R. 2808 The Homebuyers Privacy Protection Act
S. 1467 Homebuyers Privacy Protection Act
S. 2651 ROAD to Housing Act of 2025
Credit Score Models Implementation
FHFA FHLB System Review
FHLB Reform
GSEs: Reform, Recapitalization, PSPA Amendments, Climate Change
Housing Finance Reform
National Flood Insurance Reauthorization
TILA-RESPA Integrated Disclosures
Trigger Leads

17. House(s) of Congress and Federal agencies Check if None

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Federal Housing Finance Agency (FHFA)

18. Name of each individual who acted as a lobbyist in this issue area

First Name Last Name Suffix Covered Official Position (if applicable) New
Anne
Balcer
​
​
Walter
Haynie
​
​
Stephen
Keen
​
​
Susan
Kinney
​
​
Paul
Merski
​
​
Rebeca
Romero Rainey
​
​
Timothy
Roy
​
​
Amber
Milenkevich
​
Jared Sutton, Senate Banking Committee; Evan Ashy, Congressman Cleo Fields

19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None

​

LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed.

15. General issue area code TAX

16. Specific lobbying issues

H.R. 1 One Big Beautiful Bill Act. (tax provisions)
H.R. 703 Main Street Tax Certainty Act
H.R. 1822 ACRE act
S. 213 Main Street Tax Certainty Act
S. 838 ACRE act
Corporate State and Local Tax Deduction
Municipal Bond Interest Exclusion
Tax Cuts and Jobs Act Extension

17. House(s) of Congress and Federal agencies Check if None

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES

18. Name of each individual who acted as a lobbyist in this issue area

First Name Last Name Suffix Covered Official Position (if applicable) New
Anne
Balcer
​
​
Stephen
Keen
​
​
James
Keller
​
​
Paul
Merski
​
​
Rebeca
Romero Rainey
​
​
Mark
Scanlan
​
​
Susan
Kinney
​
​
Amber
Milenkevich
​
Jared Sutton, Senate Banking Committee; Evan Ashy, Congressman Cleo Fields

19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None

​

Information Update Page - Complete ONLY where registration information has changed.

20. Client new address

Address
​
City
​
State
​
Zip Code
​
Country
​

21. Client new principal place of business (if different than line 20)

City
​
State
​
Zip Code
​
Country
​

22. New General description of client’s business or activities

​

LOBBYIST UPDATE

23. Name of each previously reported individual who is no longer expected to act as a lobbyist for the client

First Name
Last Name
Suffix
First Name
Last Name
Suffix
1
​Anne
​Balcer
​
3
​
​
​
2
​
​
​
4
​
​
​

ISSUE UPDATE

24. General lobbying issue that no longer pertains

​
​
​
​
​
​
​
​
​

AFFILIATED ORGANIZATIONS

25. Add the following affiliated organization(s)

Internet Address:

Name Address Principal Place of Business
(city and state or country)
Street Address
City State/Province Zip Country
City
State Country

26. Name of each previously reported organization that is no longer affiliated with the registrant or client

1 2 3

FOREIGN ENTITIES

27. Add the following foreign entities:

Name Address Principal place of business
(city and state or country) 		Amount of contribution for lobbying activities Ownership percentage in client
Street Address
City State/Province Country
City
State Country
%

28. Name of each previously reported foreign entity that no longer owns, or controls, or is affiliated with the registrant, client or affiliated organization

1 3 5
2 4 6

CONVICTIONS DISCLOSURE

29. Have any of the lobbyists listed on this report been convicted in a Federal or State Court of an offense involving bribery, extortion, embezzlement, an illegal kickback, tax evasion, fraud, a conflict of interest, making a false statement, perjury, or money laundering?

Lobbyist Name Description of Offense(s)