GEOFFREY GRAY

General issues related to housing finance and the regulation of the Federal Home Loan Bank System. Specific issues included: draft proposals related to the Federal Home Loan Bank Affordable Housing Program; and draft proposals impacting the debt markets.

General issues related to cyber security, privacy, air transportation, tax, and trade. Specific issues included: aviation taxes and fees in the context of the appropriations process; FAA reauthorization; 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, issues related to scope, preemption and functional regulation impacting the aviation industry; and debit and credit card interchange price controls and routing mandate proposals (Durbin-Marshall), including in the context of the Appropriations process and the National Defense Authorization Act, issues impacting aviation industry customers.

General issues related to credit reporting, technology, data security, climate, and housing. Specific issues included: re-authorization of the National Flood Insurance Program, including both in and outside of the Appropriations process, issues related to reconstruction cost and general extension of the program; draft cybersecurity, climate-risk, and breach notice proposals, including in the context of SEC rulemaking; 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; natural hazard and climate risk tracking and its impact on lending and housing; and appraisal reform.

General issues related to the payment system and related issues impacting financial institutions. Specific issues included: debit and credit card interchange price controls and routing mandate proposals (Durbin-Marshall), including in the context of the Appropriations process, and in the context of the National Defense Authorization Act; 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.

General issues related to labor, accounting, tax, and corporate governance. Specific issues included: DOL and NLRB rules on the joint employer standard; draft privacy, data security, cybersecurity, and breach notice proposals, including in the context of agency rulemakings, and including in the context of the National Defense Authorization Act and spending bills, issues impacting franchised small businesses.

General issues related to reform of the Dodd-Frank Act, GSE reform and the future of housing finance, cybersecurity, data security, and privacy. Specific issues included: bank and bank holding company systemic regulation and capital standards, including Longterm Debt proposals; 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, issues related to preemption, private right of action, and functional regulation; credit card and debit card interchange and routing proposals, including in the context of the National Defense Authorization Act and the Appropriations process.

REGIONS FINANCIAL CORP.

TD BANK, NA

FEDERAL HOME LOAN BANK OF ATLANTA

AMERICAN AIRLINES INC (FORMERLY REPORTED AS "AMERICAN AIRLINES")

INTERNATIONAL FRANCHISE ASSOCIATION

CORELOGIC

ELECTRONIC PAYMENTS COALITION

RELX INC.

CONSUMER DATA INDUSTRY ASSOCIATION

FIDELITY INVESTMENTS

SAP AMERICA, INC.

FEDERAL HOME LOAN BANK OF ATLANTA