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

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

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

Farm Credit System and Tax Reform

H.R. 2, Agriculture Improvement Act of 2018

H.R. 238, User Commodity End-User Relief Act

H.R. 831, The BALE Act

S. 1921, FSA Loan Guarantee Enhancement Act of 2017

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

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.493, Subsidy Reserve Act of 2017, to require nonbank financial companies supervised by the Federal Reserve Board and bank holding companies over $500 billion of assets to establish and maintain Subsidy Reserves.

H.R. 1116/S.366, the TAILOR Act

H.R. 1264, Community Financial Institution Exemption Act

H.R. 1624, Municipal Finance Support Act

H.R. 1948, Small Bank Holding Company Relief Act

H.R. 2121, Pension, Endowment, and Mutual Fund Access to Banking Act

H.R. 2133, CLEARR Act of 017

H.R. 2396, the Privacy Notification Technical Clarification Act

H.R. 2226, Portfolio Lending and Mortgage Access Act

H.R. 2403, Keeping Capital Local for Underserved Communities Act of 2017

H.R. 2706, Financial Institution Customer Protection Act of 2017

H.R. 2793, Consumer Transaction Account Protection Act of 2017

H.R. 2954, Home Mortgage Disclosure Adjustment Act

H.R. 3072, Bureau of Consumer Financial Protection Examination and Reporting Threshold Act of 2017

H.R. 3093, Investor Clarity and Bank Parity Act

H.R. 3179, Transparency and Accountability for Business Standards Act

H.R. 3221, the Securing Access to Affordable Mortgages Act

H.R. 3312, The Systemic Risk Designation Improvement Act

H.R. 3741, to codify the Minority Bank Deposit Program, and for other purposes.

H.R. 3971, the Community Institution Mortgage Relief Act

H.R. 3978, TRID Improvement Act of 2017

H.R. 4292, Financial Institution Living Will Improvement Act of 2017

H.R. 4293, Stress Test Improvement Act of 2017

H.R. 4296, to place requirements on operational risk capital requirements for banking organizations established by an appropriate Federal banking agency.

H.R. 4439, the Modernizing Borrower Credit Opportunities Act

H.R. 4545 / S. 2237, Financial Institutions Examination Fairness and Reform Act

H.R. 4607, Comprehensive Regulatory Review Act

H.R. 4648, Home Mortgage Relief Act of 2017

H.R. 4725, Community Bank Reporting Relief Act

H.R. 4771, Small Bank Holding Company Relief Act

H.R. 4790, Volcker Rule Regulatory Harmonization Act

H.R. 4861, the Ensuring Quality Unbiased Access to Loans (EQUAL) Act

H.R. 5076, Small Bank Exam Cycle Improvement Act of 2018

H.R. 5783, Cooperate with Law Enforcement Agencies and Watch Act of 2018

H.R. 6158, The Brokered Deposit-Affiliate Subsidiary Modernization Act of 2018

S. 828, to amend the Federal Deposit Insurance Act to require the appropriate Federal banking agencies to treat certain municipal obligations as level 2B liquid assets.

S. 1002, CLEAR Relief Act

S. 1139, Main Street Regulatory Fairness Act

S. 1284, Community Bank Relief Act

S. 1310, Home Mortgage Disclosure Adjustment Act

S. 1500, a bill to amend the Federal Deposit Insurance Act to ensure that the reciprocal deposits of an insured depository institution are not considered to be funds obtained by or through a deposit broker.

S. 1642 / H.R. 3299, Protecting Consumers' Access to Credit Act of 2017

S. 1893, to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision.

S. 1962, Community Bank Access to Capital Act of 2017

S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act

Russell Amendment to H.R. 5515, the National Defense Authorization Act for Fiscal Year 2019

Section 701 of H.R. 5841, the Foreign Investment Risk Review Modernization Act of 2018

Capital Rules

Liquidity Rules

LIBOR

Stress Testing

Accountability for Basel/FSB negotiations

Volcker Rule Reform

DoL Fiduciary Rule

The Financial CHOICE Act

Durbin Interchange Amendment

De novo banks

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

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Federal Reserve System, Office of Management & Budget (OMB), Labor - Dept of (DOL), Treasury - Dept of, Natl Economic Council (NEC), Consumer Financial Protection Bureau (CFPB)

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

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 BNK

16. Specific lobbying issues

H.R. 1667, Financial Institution Bankruptcy Act of 2017

H.R.3553, Bankruptcy Administration Improvement Act of 2017

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

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 BUD

16. Specific lobbying issues

CDFI and BEA FY 18 Funding

NIST FY 18 Funding

Sec. 904 and Sec. 908 of H.R. 3354

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

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 CSP

16. Specific lobbying issues

Americans with Disabilities Act

Tailored Regulation

H.J.Res.111/S.J.Res.47

S.J.Res.57

H.R. 394/S.85, Restoring Access to Medication Act of 2017

H.R.35, Health Savings Act of 2017

H.R.1476, The Native American Health Savings Improvement Act

H.R.1457, MOBILE Act of 2017

H.R. 1175/ S. 403, The Health Savings Act of 2017

H.R. 4028, PROTECT Act of 2017

H.R. 4978 / S. 2410, Chronic Disease Management Act of 2018

H.R. 6199, Restoring Access to Medication and Modernizing Health Savings Accounts Act of 2018

H.R. 6311, Increasing Access to Lower Premium Plans and Expanding Health Savings Accounts Act of 2018

H.R. 6743, Consumer Information Notification Requirement Act

Arbitration Clauses in Financial Contracts

Fair Lending Laws

Small Dollar Lending

Military Lending Act

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

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Federal Reserve System, Treasury - Dept of, Consumer Financial Protection Bureau (CFPB)

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

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 CPT

16. Specific lobbying issues

Patent Reform

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

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 ECN

16. Specific lobbying issues

Interest Rate Policies

Monetary Policy

Interest on Excess Reserves

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

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Federal Reserve System

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

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 FIN

16. Specific lobbying issues

H.R.1595, the Mutual Bank Capital Opportunity Act

H.R. 3772, Expanding Proven Financing for American Employers Act

H.R. 5756, To require the Securities and Exchange Commission to adjust certain resubmission thresholds for shareholder proposals

Swap dealer registration

Asset Management

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

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Treasury - Dept of

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

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 GOV

16. Specific lobbying issues

H.R. 1426/ S. 367, Federal Savings Association Charter Flexibility Act of 2017

H.R. 5266, The Financial Product Safety Commission Act

S. 105, Consumer Financial Protection Board Act of 2017

S. 387, The CFPB Accountability Act of 2017

H.R. 2553, TABS Act of 2017

H.R. 7378, Guidance Clarity Act

H.R. 6147, Interior, Environment, Financial Services and General Government, Agriculture, Rural Development, Food and Drug Administration, and Transportation, Housing and Urban Development Appropriations Act, 2019

BCFP Oversight

Federal Reserve System Reform

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

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Treasury - Dept of, Federal Reserve System, Housing & Urban Development - Dept of (HUD), Consumer Financial Protection Bureau (CFPB)

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

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 HOM

16. Specific lobbying issues

Cybersecurity

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

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.1153, the Mortgage Choice Act of 2017 (clarifies the QM rules points and fees test).

S. 838/H.R. 1958, PACE Act of 2017

S. 1315, Relationship Lending Preservation Act of 2017

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

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 INS

16. Specific lobbying issues

S. 563/H.R. 1422, the Flood Insurance Market Parity and Modernization Act

H.R. 2246, Taxpayer Exposure Mitigation Act of 2017

H.R. 2565, to require the use of replacement cost value in determining the premium rates for flood insurance coverage under the National Flood Insurance Act.

H.R. 2874, 21st Century Flood Reform Act

H.R. 2875, National Flood Insurance Program Administrative Reform Act of 2017

S. 1182, NFIP Extension Act of 2018

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

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 LBR

16. Specific lobbying issues

Fair Labor Standards Act Changes

H.R. 2823/S. 1321, Affordable Retirement Advice Protection Act

DoL Overtime Rules

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

Labor - Dept of (DOL), U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Treasury - Dept of

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

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 LAW

16. Specific lobbying issues

Anti-Money Laundering/BSA

H.R. 6068, The Counter Terrorism and Illicit Finance Act

S. 626, The CFPB-IG Act of 2017

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

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Treasury - Dept of, Federal Reserve System

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

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 POS

16. Specific lobbying issues

H.R. 756, the Postal Reform Act

McHenry Amendment to H.R. 6147, FSGG Appropriations Act of 2019

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

U.S. HOUSE OF REPRESENTATIVES

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

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 RET

16. Specific lobbying issues

H.R. 3857, Protecting Advice for Small Savers Act of 2017

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

U.S. HOUSE OF REPRESENTATIVES

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

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 SMB

16. Specific lobbying issues

H.R. 4743 / S. 2283, Small Business 7a Lending Oversight Reform

S. 1056, Veteran Small Business Export Promotion Act

Small Business Lending

Small Business Loan Reporting

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

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Treasury - Dept of

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

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

Eliminating the Credit Unions Tax Exemption

H.R. 1, Tax Cuts and Jobs Act

H.R. 2339, the Capital Access for Small Business Banks Act of 2017

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

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 ACC

16. Specific lobbying issues

H.R. 7394, To prohibit the Federal financial regulators from requiring compliance with the accounting standards update of the Financial Accounting Standards Board related to current expected credit loss (CECL), to require the Securities and Exchange Commission to take certain impacts of a proposed accounting principle into consideration before accepting the principle, and for other purposes.

CECL

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

U.S. HOUSE OF REPRESENTATIVES, Treasury - Dept of, Federal Reserve System

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

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

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

20. Client new address

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

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

ISSUE UPDATE

24. General lobbying issue that no longer pertains

AFFILIATED ORGANIZATIONS

25. Add the following affiliated organization(s)

Internet Address:

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

FOREIGN ENTITIES

27. Add the following foreign entities:

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