NIA DUGGINS

Cannabis Banking HR2891 - The Secure and Fair Enforcement (SAFE) Banking Act S1323 - The Secure and Fair Enforcement (SAFE) Banking Act S2860 - The Secure and Fair Enforcement Regulatory (SAFER) Banking Act Bank Regulations Conversations with the House Financial Services Committee and the Senate Banking Committee regarding banking regulations and housing finance reform. Loan Level Pricing Adjustments (LLPAs) HR3564 - Middle Class Borrower Protection Act of 2023 Federal Home Loan Banks S1684 - Federal Home Loan Banks' Mission Implementation Act Trigger Leads HR2656 - Trigger Leads Abatement Act HR4192 - Protecting Consumers from Abusive Mortgage Leads Act S4944 - Access to Homeownership Act HR3418/S1654 - Credit Access and Inclusion Act Commercial Real Estate Conversations with the House and Senate regarding commercial real estate adaptive reuse policy proposals. Communications with the Board of Governors of the Federal Reserve regarding maturing commercial real estate debt. Communications with the National Credit Union Administration (NCUA) regarding maturing commercial real estate debt. Communications with the Federal Deposit Insurance Company (FDIC) regarding maturing commercial real estate debt. Communications with the Office of the Comptroller of the Currency regarding maturing commercial real estate debt. Discussions with the Consumer Financial Protection Bureau (CFPB) regarding assumable mortgages, maturing commercial real estate debt, appraisal independence, appraisal management companies (AMCs), commission financing, credit reports, and reconsideration of value process. Communications with the Federal Housing Finance Agency (FHFA) regarding housing issues, the FHFA pricing change, LLPAs, appraisal issues, condominium rules, commission financing and underwriting, reconsideration of value process, and duty to serve requirements. Communications with and comment letter sent to the Financial Crimes Enforcement Network (FinCEN) regarding anti-money laundering proposals aimed at real estate transactions. Communications with the Federal Housing Administration regarding commission financing and comment letter in response to their draft mortgagee letter updating their 203(k)-renovation loan program . Communications with the Department of Veterans Affairs on commission underwriting, National Association of REALTORS anti-trust commission settlement, buyer financing and broker fees. Communications with Fannie Mae on environmental, social, and governance investing. Comment letter with the Federal Reserve, Federal Deposit Insurance Corporation, and Office of the Comptroller Currency expressing concerns in response to the Basel III Endgame proposal. Communications with the Department of Housing and Urban Development, Office of the Comptroller of the Currency, Federal Housing Finance Administration, National Credit Union Administration, Federal Deposit Insurance Corporation, Federal Reserve Board, Consumer Financial Protection Bureau advocating for solutions to increase diversity, reduce bias, and maintain the public trust in the appraisal industry. Communications with the Federal Housing Administration and Federal Housing Finance Agency regarding the ability of homebuyers to have access to mortgage credit after the National Association of REALTORS anti-trust lawsuit settlement is in effect. Communications with the Federal Housing Administration and Department of Housing and Urban Development on appraisal issues and reconsideration of value process. Communications with the Senate regarding the Access to Homeownership Act (S4944) to require multifamily borrowers with federally backed multifamily mortgage loans to submit positive rental payments to certain consumer reporting agencies and seller finance commissions. Communications with the House of Representatives on foreign ownership and seller finance commissions. Communications with Department of Treasury on foreign ownership.

Cannabis Banking HR2891 - The Secure and Fair Enforcement (SAFE) Banking Act of 2023 S1323 - The Secure and Fair Enforcement (SAFE) Banking Act of 2023 S2860 - The Secure and Fair Enforcement (SAFER) Banking Act of 2023 Banking Regulations Discussions with the House Financial Services Committee and the Senate Banking Committee about banking regulations. Discussions with the Senate Banking Committee regarding housing, credit score reforms and student loan debt reform. S.3871 - Whole Homes Repairs Act of 2024 S.3502 - Homebuyers Privacy Protection Act Discussions with the Financial Crimes Enforcement Network (FinCEN) regarding anti-money laundering proposals in regards to real estate transactions. Communications with the Board of Governors of the Federal Reserve regarding maturing commercial real estate debt. Communications with the National Credit Union Administration (NCUA) regarding maturing commercial real estate debt. Communications with the Federal Deposit Insurance Company (FDIC) regarding maturing commercial real estate debt and Basel III Endgame. Communications with the Office of the Comptroller of the Currency (OCC) regarding maturing commercial real estate debt and Basel III Endgame. Communications with the Consumer Financial Protection Bureau (CFPB) regarding maturing commercial real estate debt. Communications with the Department of Justice on the economic impact of decoupling real estate commissions on first time buyers.

Privacy and Data Security Discussions with the House Financial Services and the House Commerce Committees on federal data privacy policies. H.R.1165 - Data Privacy Act H.R. 8818 - American Privacy Rights Act. Communications with the House of Representatives opposing the American Privacy Rights Act. Anti-Money Laundering Conversations with the Financial Crimes Enforcement Network (FinCEN) regarding anti-money laundering proposals aimed at real estate transactions. Remote Online Notarization HR1059 - The Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act of 2023. Data Brokers Communications with Consumer Financial Protection Bureau and Small Business Administration regarding data brokers. Artificial Intelligence Communications with the House of Representatives, Senate, Department of Housing and Urban Development. and the National Institute of Standards & Technology regarding artificial intelligence.

Restrictions on Foreign Nationals Purchasing Land in the U.S. S168 - The PASS Act of 2023 Conversations with the House and Senate on foreign ownership restrictions and proposals and land ownership bans. Fair Housing Discussions with the U.S. House of Representatives and the U.S. Senate on fair housing program funding and the H.R. 4439 Fair and Equal Housing Act. Discussions with the U.S. House of Representatives and the U.S. Senate urging them to pass an appropriations package to ensure continuity of Fair Housing Enforcement Activities. Discussions with the Department of Housing and Urban Development (HUD) on Fair Housing enforcement and affirmative marketing. Communications with the U.S. Department of Agriculture (USDA) about foreign investment in U.S. farmlands. Historic Racial Covenants/Mapping Discrimination Communications with the U.S. Senate on the Mapping Housing Discrimination Act. Communications with the Department of Housing and Urban Development, Office of the Comptroller of the Currency, Federal Housing Finance Administration, National Credit Union Administration, Federal Deposit Insurance Corporation, Federal Reserve Board, Consumer Financial Protection Bureau advocating for solutions to increase diversity, reduce bias, and maintain the public trust in the appraisal industry. Communications with the Department of Housing and Urban Development on housing counseling.

Cannabis Banking HR2891 - The Secure and Fair Enforcement (SAFE) Banking Act S1323 - The Secure and Fair Enforcement (SAFE) Banking Act S2860 - The Secure and Fair Enforcement Regulatory (SAFER) Banking Act Bank Regulations Conversations with the House Financial Services Committee and the Senate Banking Committee regarding banking regulations. Loan Level Pricing Adjustments (LLPAs) HR3564 - Middle Class Borrower Protection Act of 2023 Federal Home Loan Banks S1684 - Federal Home Loan Banks' Mission Implementation Act Trigger Leads HR2656 - Trigger Leads Abatement Act HR4192 - Protecting Consumers from Abusive Mortgage Leads Act S4944 - Access to Homeownership Act Commercial Real Estate Conversations with the House and Senate regarding commercial real estate adaptive reuse policy proposals. Communications with the Board of Governors of the Federal Reserve regarding maturing commercial real estate debt. Communications with the National Credit Union Administration (NCUA) regarding maturing commercial real estate debt. Communications with the Federal Deposit Insurance Company (FDIC) regarding maturing commercial real estate debt. Communications with the Office of the Comptroller of the Currency regarding maturing commercial real estate debt. Discussions with the Consumer Financial Protection Bureau (CFPB) regarding assumable mortgages, maturing commercial real estate debt, appraisal independence, appraisal management companies (AMCs), commission financing, credit reports, and reconsideration of value process. Communications with the Federal Housing Finance Agency (FHFA) regarding housing issues, the FHFA pricing change, LLPAs, appraisal issues, condominium rules, commission financing and underwriting, reconsideration of value process, and duty to serve requirements. Communications with and comment letter sent to the Financial Crimes Enforcement Network (FinCEN) regarding anti-money laundering proposals aimed at real estate transactions. Communications with the Federal Housing Administration regarding commission financing and comment letter in response to their draft mortgagee letter updating their 203(k)-renovation loan program . Communications with the Department of Veterans Affairs on commission underwriting, National Association of REALTORS anti-trust commission settlement, buyer financing and broker fees. Communications with Fannie Mae on environmental, social, and governance investing. Comment letter with the Federal Reserve, Federal Deposit Insurance Corporation, and Office of the Comptroller Currency expressing concerns in response to the Basel III Endgame proposal. Communications with the Department of Housing and Urban Development, Office of the Comptroller of the Currency, Federal Housing Finance Administration, National Credit Union Administration, Federal Deposit Insurance Corporation, Federal Reserve Board, Consumer Financial Protection Bureau advocating for solutions to increase diversity, reduce bias, and maintain the public trust in the appraisal industry. Communications with the Federal Housing Administration and Federal Housing Finance Agency regarding the ability of homebuyers to have access to mortgage credit after the National Association of REALTORS anti-trust lawsuit settlement is in effect. Communications with the Federal Housing Administration and Department of Housing and Urban Development on appraisal issues and reconsideration of value process. Communications with the Senate regarding the Access to Homeownership Act (S4944) to require multifamily borrowers with federally backed multifamily mortgage loans to submit positive rental payments to certain consumer reporting agencies. Communications with the House of Representatives and Department of Treasury on foreign ownership.

Cannabis Banking HR2891 - The Secure and Fair Enforcement (SAFE) Banking Act of 2023 S1323 - The Secure and Fair Enforcement (SAFE) Banking Act of 2023 S2860 - The Secure and Fair Enforcement (SAFER) Banking Act of 2023 Banking Regulations Discussions with the House Financial Services Committee and the Senate Banking Committee about banking regulations. Discussions with the Senate Banking Committee regarding housing, credit score reforms and student loan debt reform. Discussions with the Financial Crimes Enforcement Network (FinCEN) regarding anti-money laundering proposals in regards to real estate transactions. Communications with the Board of Governors of the Federal Reserve regarding maturing commercial real estate debt. Communications with the National Credit Union Administration (NCUA) regarding maturing commercial real estate debt. Communications with the Federal Deposit Insurance Company (FDIC) regarding maturing commercial real estate debt and Basel III Endgame. Communications with the Office of the Comptroller of the Currency (OCC) regarding maturing commercial real estate debt and Basel III Endgame. Communications with the Consumer Financial Protection Bureau (CFPB) regarding maturing commercial real estate debt.

NATIONAL ASSOCIATION OF REALTORS

NATIONAL ASSOCIATION OF REALTORS

NATIONAL ASSOCIATION OF REALTORS

NATIONAL ASSOCIATION OF REALTORS