TD BANK, NA

General issues related to the operation of the Dodd-Frank Act, GSE reform and the future of housing finance, cybersecurity, data security, digital currency regulation, credit and debit interchange, and privacy. Specific issues included: draft privacy and data security proposals, including the American Privacy Rights Act (McMorris Rodgers / Cantwell), and the Data Privacy Act of 2023 (McHenry)(H.R. 1165), including in the context of the National Defense Authorization Act and the Appropriations process; credit card and debit card interchange and routing proposals, including in the context of the National Defense Authorization Act and the Appropriations process; and legislative responses to bank regulatory capital proposals.

General issues related to the operation of the Dodd-Frank Act, GSE reform and the future of housing finance, cybersecurity, data security, digital currency regulation, credit and debit interchange, and privacy. Specific issues included: draft privacy, data security, cybersecurity, climate, and interchange proposals, including in the context of SEC proposed rules, and including the American Data Privacy and Protection Act, and the Data Privacy Act of 2023 (McHenry)(HR 1165), issues related to scope, timing, preemption and functional regulation, and including in the context of the National Defense Authorization Act and Appropriations process; credit card and debit card interchange and routing proposals, including in the context of the National Defense Authorization Act, spending bills, and the RECOUP Act of 2023 (S. 2190); and legislative responses to bank regulatory capital proposals.