CHRISTOPHER GAHAN

CSP - Quarter 4 2024 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation, Global Capital Standards and Regulatory reform. S. 744 - Data Care Act. The legislation would establish duties of care, loyalty, and confidentiality, and a violation of the duties would be treated as a violation of a Federal Trade Commission (FTC) rule with fine authority. Issue: Data Privacy H.R. 1165 Data Privacy Act of 2023 - The bill amends Title V of the Gramm-Leach-Bliley Act (GLBA) to include a number of new consumer protections, establishing requirements for covered entities to disclose the types and uses for data being collected, along with an opt-out function. The legislation, which would preempt state law, also mandates more transparent and easily understandable privacy terms and conditions. Issue: Data Privacy H.R. 2701 Online Privacy Act - The legislation would provide for individual rights relating to privacy of personal information, to establish privacy and security requirements for covered entities relating to personal information, and to establish an agency to be known as the Digital Privacy Agency to enforce such rights and requirements. Issue: Data Privacy H.R. 4311/S. 2121 DELETE Act - This bill would establish a centralized system to allow individuals to request the simultaneous deletion of their personal information across all data brokers. Issue: Data Privacy. H.R. 5628/S.2892 - Algorithmic Accountability Act. This bill would direct the Federal Trade Commission to require impact assessments of automated decision systems and augmented critical decision processes. Issue: Algorithmic Accountability. H.R.___ - Data Privacy Act of 2023. The bill amends Title V of the Gramm-Leach-Bliley Act (GLBA) to include a number of new consumer protections, establishing requirements for covered entities to disclose the types and uses for data being collected, along with an opt-out function. The legislation, which would preempt state law, also mandates more transparent and easily understandable privacy terms and conditions. Issue: Data Privacy H.R. 8818 - American Privacy Rights Act. The bill establishes protections for covered data of individuals. Issue: Data Privacy S. 5152 - Artificial Intelligence Civil Rights Act. The bill would establish protections for individual rights with respect to computational algorithms. Issue: Artificial Intelligence (AI). H.R. 10263 - Responsible AI Disclosure Act. The bill would require the Federal financial agencies to carry out a study and report on standardized descriptions for vendor-provided artificial intelligence systems. Issue: Artificial Intelligence (AI). H.Res.1600 - Expressing the sense of the House of Representatives with respect to the use of artificial intelligence in the financial services and housing industries. Issue: Artificial Intelligence (AI). H.R. 10262 - Analysis and Improvement (AI) Act of 2024. The bill would require the financial regulators to carry out studies on the realized and potential benefits of artificial intelligence. Issue: Artificial Intelligence (AI). H.R.___ and S.___ - Draft data privacy legislation. Issue: Data Privacy H.R. __ - Draft cybersecurity legislation. Issue: Cybersecurity Issue: Artificial Intelligence (AI). Issue: Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

FIN - Quarter 4 2024 Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Insurance Capital Standards and Global Capital Standards. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards Implementation of S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. H.R. 20/S.567 - Richard L. Trumka Protecting the Right to Organize Act of 2023. To amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959. Issue: independent contractor status. H.R.1059/S. 1212 - Securing and Enabling Commerce Using Remote and Electronic Notarization Act. To authorize and establish minimum standards for electronic and remote notarizations that occur in or affect interstate commerce, to require any Federal court located in a State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce, and to require any State to recognize notarizations performed by a notary public commissioned by another State when the notarization occurs in or affects interstate commerce or when the notarization was performed under or relates to a public act, record, or judicial proceeding of the State in which the notary public was commissioned. Issue: remote online notarization. Issue: FHLBank System Issue: Basel III Issue: Regulation Best Interest Issue: Making Diversity and Inclusion Efforts more Intentional. No bill number assigned. Issue: Government Sponsored Enterprises (GSE) reform. No bill number assigned.

INS - Quarter 4 2024 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Insurance Capital Standards and Global Capital Standards. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards H.R. 2923/S. 1384 - Living Donor Protection Act. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. H.R. 9840 - Kidney Donation Anti-Discrimination Act. The bill would prohibit life insurance providers from discriminating based on a persons status as a living kidney donor. Issue: underwriting. Issue: private equitys growing role in the insurance industry. Issue: S&P proposal on the methodology that is used to rate insurance companies. Issue: Request for information from Congress regarding the diversity and inclusion information in the insurance industry. Issue: Housing Finance Reform. No bill number assigned.

Retirement Security, Quarter 4 2024 1. H.J. Res 142, S.J. Res 79 Fiduciary Rule Congressional Review Act: A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Labor relating to "Retirement Security Rule: Definition of an Investment Advice Fiduciary" Income Security S. 2415 and H.R. 7107, the Long-Term Care Affordability Act: Would allow for tax free distributions from retirement accounts to fund LTC contracts.

TAX - Quarter 4 2024 S.__ - Protecting Proper Life Insurance from (PPLI) Abuse Act. This bill would restrict the use of private placement life insurance. Life Insurance Tax Stabilization Proposal (no bill introduced yet) Build Back Better Act (H.R. 5376) Wyden Tax Wealth Like Wages (mark-to-market) discussion paper (no bill introduced yet) S. 2415 - 117th Congress (2021-2022) H.R. 7107 - 117th Congress (2021-2022) Inflation Reduction Act of 2022 H.R. 5376 - 117th Congress (2021-2022) Private Placement Life Insurance (no bill introduced yet)

CSP - Quarter 3 2024 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation, Global Capital Standards and Regulatory reform. S. 744 - Data Care Act. The legislation would establish duties of care, loyalty, and confidentiality, and a violation of the duties would be treated as a violation of a Federal Trade Commission (FTC) rule with fine authority. Issue: Data Privacy H.R. 1165 Data Privacy Act of 2023 - The bill amends Title V of the Gramm-Leach-Bliley Act (GLBA) to include a number of new consumer protections, establishing requirements for covered entities to disclose the types and uses for data being collected, along with an opt-out function. The legislation, which would preempt state law, also mandates more transparent and easily understandable privacy terms and conditions. Issue: Data Privacy H.R. 2701 Online Privacy Act - The legislation would provide for individual rights relating to privacy of personal information, to establish privacy and security requirements for covered entities relating to personal information, and to establish an agency to be known as the Digital Privacy Agency to enforce such rights and requirements. Issue: Data Privacy H.R. 4311/S. 2121 DELETE Act - This bill would establish a centralized system to allow individuals to request the simultaneous deletion of their personal information across all data brokers. Issue: Data Privacy. H.R. 5628/S.2892 - Algorithmic Accountability Act. This bill would direct the Federal Trade Commission to require impact assessments of automated decision systems and augmented critical decision processes. Issue: Algorithmic Accountability. H.R.___ - Data Privacy Act of 2023. The bill amends Title V of the Gramm-Leach-Bliley Act (GLBA) to include a number of new consumer protections, establishing requirements for covered entities to disclose the types and uses for data being collected, along with an opt-out function. The legislation, which would preempt state law, also mandates more transparent and easily understandable privacy terms and conditions. Issue: Data Privacy H.R. 8818 - American Privacy Rights Act. The bill establishes protections for covered data of individuals. Issue: Data Privacy S. 5152 - Artificial Intelligence Civil Rights Act. The bill would establish protections for individual rights with respect to computational algorithms. Issue: Artificial Intelligence (AI). H.R.___ and S.___ - Draft data privacy legislation. Issue: Data Privacy H.R. __ - Draft cybersecurity legislation. Issue: Cybersecurity Issue: Artificial Intelligence (AI). Issue: Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY

THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY

THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY

THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY