IAN STEGER

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. 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, Basel III Implementation of S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issue: CECL, TDR, Remote Online Notarization, SBA loans. 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. H.R.2891/S. 1323 SAFE Banking Act of 2023 - This bill would create protections for financial institutions that provide financial services to State-sanctioned marijuana businesses and service providers for such businesses. Issue: Cannabis legislation S. 2860 - SAFER Banking Act - This bill would create protections for financial institutions that provide financial services to State-sanctioned marijuana businesses and service providers for such businesses. Issue: Cannabis legislation. H.R. 1807 and S. 3815 - Improving Disclosure for Investors Act - This bill requires the Securities and Exchange Commission (SEC) to propose and finalize rules to allow entities to deliver regulatory documents to investors electronically. The SEC must establish a mechanism for investors to opt out of electronic delivery and receive paper documents instead. If the SEC does not finalize rules within one year after enactment, the bill allows for electronic delivery of these documents. Issue: Electronic delivery. H.R. 3335 - IRS Income Verification Express Service Act - This bill ensures the successful development of the electronic Income Verification Express Service of the Internal Revenue Service by amending the Taxpayer First Act to clarify that taxpayer identity verification is the responsibility of users of the system rather than the taxpayer. Issue: Electronic disclosure. H.R. 2799 - Expanding Access to Capital Act of 2023 - This bill reduces various securities regulations applicable to certain companies, brokers, and advisors. The bill also allows more investors to invest in specified types of ventures. Issue: Capital reform. S. 3735 - Protecting Innovation in Investment Act - To prohibit the Securities and Exchange Commission from finalizing, implementing, or enforcing a proposed rule with respect to conflicts of interest associated with the use of predictive data analytics by broker-dealers and investment advisers. Issue: Predictive data analytics. H.R. 3063/S.4917 - Retirement Fairness for Charities and Educational Institutions Act of 2023 - The bill would allow 403(b) plans to invest in Collective Investment Trusts or Separate Accounts that establishes investment parity with other defined contribution plans, like 401(k)s. Issue: Retirement security S. 3520/H.R. 5914 - Empowering States to Protect Seniors from Bad Actors Act - This bill reauthorizes through FY2028 and otherwise revises the Senior Investor Protection Grant Program. The bill moves the program from the Consumer Financial Protection Bureau to the Securities and Exchange Commission, establishes a task force to oversee the program, and eliminates certain grant eligibility requirements. Issue: Financial protections. Issue: FHLBank System Issue: Basel III Issue: Regulation Best Interest Issue: Environmental, Social, and Corporate Governance (ESG). No bill number assigned. Issue: Commercial mortgage-backed security (CMBS) debt. No bill number assigned. Issue: Making Diversity and Inclusion Efforts more Intentional. No bill number assigned. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Government Sponsored Enterprises (GSE) reform. No bill number assigned.

Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, 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, Basel III Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issue: CECL, TDR, Remote Online Notarization, SBA loans. H.R. 2923/S. 1384 - Living Donor Protection Act. The bill would promote and protect from discrimination living organ donors. Issue: underwriting. H.R. 5535 - Insurance Data Protection Act. The bill would prohibit the Federal Insurance Office of the Department of the Treasury and other financial regulators from collecting data directly from an insurance company. Issue: Federal Insurance Office. H.R. 7000 and S. 3592 - Business of Insurance Regulatory Reform Act of 2024 - To amend the Consumer Financial Protection Act of 2010 to clarify the authority of the Bureau of Consumer Financial Protection with respect to persons regulated by a State insurance regulator. Issue: Business of Insurance. 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. Issus: FSOC nonbank guidance rule. Issue: private equitys growing role in the insurance industry. Issue: S&P proposal on the methodology that is used to rate insurance companies. Issue: Russian sanctions legislation. Issue: Request for information from Congress regarding the diversity and inclusion information in the insurance industry. Issue: National Association of Registered Agents and Brokers (NARAB) board. No bill number assigned. Issue: Housing Finance Reform. No bill number assigned. Issue: Final margin rules for uncleared swaps transactions with respect to seeded investment funds. No bill number assigned.

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: Business interruption insurance. Issue: Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

U.S.-Chile Income Tax Treaty Issue: Data Localization & Cross-Border Data Flow. USTR reversal of its long-standing support for WTO core disciplines that protect U.S. businesses cross-border data flows and prohibit data localization mandates.

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. 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, Basel III Implementation of S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. Implementation of H.R. 748 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. Issue: CECL, TDR, Remote Online Notarization, SBA loans. 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. H.R.2891/S. 1323 SAFE Banking Act of 2023 - This bill would create protections for financial institutions that provide financial services to State-sanctioned marijuana businesses and service providers for such businesses. Issue: Cannabis legislation S. 2860 - SAFER Banking Act - This bill would create protections for financial institutions that provide financial services to State-sanctioned marijuana businesses and service providers for such businesses. Issue: Cannabis legislation. H.R. 1807 and S. 3815 - Improving Disclosure for Investors Act - This bill requires the Securities and Exchange Commission (SEC) to propose and finalize rules to allow entities to deliver regulatory documents to investors electronically. The SEC must establish a mechanism for investors to opt out of electronic delivery and receive paper documents instead. If the SEC does not finalize rules within one year after enactment, the bill allows for electronic delivery of these documents. Issue: Electronic delivery. H.R. 3335 - IRS Income Verification Express Service Act - This bill ensures the successful development of the electronic Income Verification Express Service of the Internal Revenue Service by amending the Taxpayer First Act to clarify that taxpayer identity verification is the responsibility of users of the system rather than the taxpayer. Issue: Electronic disclosure. H.R. 2799 - Expanding Access to Capital Act of 2023 - This bill reduces various securities regulations applicable to certain companies, brokers, and advisors. The bill also allows more investors to invest in specified types of ventures. Issue: Capital reform. S. 3735 - Protecting Innovation in Investment Act - To prohibit the Securities and Exchange Commission from finalizing, implementing, or enforcing a proposed rule with respect to conflicts of interest associated with the use of predictive data analytics by broker-dealers and investment advisers. Issue: Predictive data analytics. H.R. 3063/S.___ - Retirement Fairness for Charities and Educational Institutions Act of 2023 - The bill would allow 403(b) plans to invest in Collective Investment Trusts or Separate Accounts that establishes investment parity with other defined contribution plans, like 401(k)s. Issue: Retirement security S. 3520/H.R. 5914 - Empowering States to Protect Seniors from Bad Actors Act - This bill reauthorizes through FY2028 and otherwise revises the Senior Investor Protection Grant Program. The bill moves the program from the Consumer Financial Protection Bureau to the Securities and Exchange Commission, establishes a task force to oversee the program, and eliminates certain grant eligibility requirements. Issue: Financial protections. Issue: FHLBank System Issue: Basel III Issue: Regulation Best Interest Issue: Environmental, Social, and Corporate Governance (ESG). No bill number assigned. Issue: Commercial mortgage-backed security (CMBS) debt. No bill number assigned. Issue: Making Diversity and Inclusion Efforts more Intentional. No bill number assigned. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Government Sponsored Enterprises (GSE) reform. No bill number assigned.

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: Business interruption insurance. Issue: Draft legislation that would require notice of data security breaches. Issue: Cybersecurity and Privacy.

AMERICAN COUNCIL OF LIFE INSURERS

AMERICAN COUNCIL OF LIFE INSURERS

AMERICAN COUNCIL OF LIFE INSURERS

AMERICAN COUNCIL OF LIFE INSURERS