1st Quarter - Report

AMERICAN BANKERS ASSOCIATION for AMERICAN BANKERS ASSOCIATION

Firm
Client
Income
—
Expenses
$3,140,000
Expense method
C: businesses, Internal Revenue Code section 162(e)

What was lobbied

17 issue areas, each in the filer's own words, with who lobbied on it and where.

Accounting ACC

Financial Accounting Standards Board Oversight Public Company Accounting Oversight Board reform

LobbyistCovered position, as disclosed
HUGH CARNEY —
BLAKE EARLEY —
MICHAEL GULLETTE —
JUSTIN MELVIN —
JOSEPH PIGG —
FRANK PIGULSKI —
JOSHUA STEIN —
KIRSTEN SUTTON —

Contacted: HOUSE OF REPRESENTATIVES; SENATE

Agriculture AGR

Farm Credit System H.R. 1822/ S. 838, Access to Credit for our Rural Economy (ACRE) Act of 2025 H.R. 7567, the Farm, Food, and National Security Act of 2026, commonly known as the 2026 Farm Bill

LobbyistCovered position, as disclosed
WAELSTON TANNER BLACK New 2018-2019 Schedule C Employee - U.S. Small Business Administration 2019-2021 Schedule C Employee U.S. Dept. of the Treasury
WILLIAM HANNA BOGER —
HUGH CARNEY —
ALEX CATANESE —
EDWARD JOSEPH CONNOR —
BLAKE EARLEY —
EDWIN ELFMANN —
CHRIS FISHER —
ROBERT FLOCK —
MICHAEL GULLETTE —
JUSTIN MELVIN —
ROBERT NICHOLS —
ANTHONY VINCENT PARDAL —
JOSEPH PIGG —
FRANK PIGULSKI —
JESS SHARP —
KIRSTEN SUTTON —

Contacted: SENATE; HOUSE OF REPRESENTATIVES

Bills named: H.R. 1822 (119th), H.R. 7567 (119th), S. 838 (119th)

Banking BAN

H.R. 478/S. 113, Promoting New Bank Formation Act S. 875/H.R. 2702, Financial Integrity and Regulation Management (FIRM) Act H.R. 1919/S. 1124, the Anti-CBDC Surveillance State Act H.R. 976/S. 557, the 1071 Repeal to Protect Small Business Lending Act H.R. 2392, the Stablecoin Transparency and Accountability for a Better Ledger Economy Act of 2025 (STABLE Act) S. 394/ S.919, Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS) S.3623/H.R.7035, Credit Card Competition Act of 2026 H.R. 1944/S. 381, the 10 Percent Credit Card Interest Rate Cap Act H.R. 654, the Taking Account of Bureaucrats Spending (TABS) Act of 2025 H.R. 987/S. 401, the Fair Access to Banking Act H.R. 1652, the Rectifying UDAAP Act H.R. 3445, the Bureau of Consumer Financial Protection Commission Act H.R. 1653, the CID Reform Act Business of Insurance Regulatory Reform Act H.R. 2513, CFPB-IG Reform Act H.R. 2183, the CFPB Dual Mandate and Economic Analysis Act H.R. 2331, the Transparency in CFPB Cost-Benefit Analysis Act H.R. 1606, the Making the CFPB Accountable to Small Business Act Cybersecurity Information Sharing Act Community Development Financial Institutions (CDFI) Fund Secure and Fair Enforcement (SAFE) Banking Act Regulatory Tailoring Community Reinvestment Act Deposit Insurance Reform S.4198/H.R.8087, the Main Street Depositor Protection Act National Bank Preemption H.R. 306, the Ending Scam Credit Repair Act Bank On Certification Program Central Bank Digital Currency Cryptocurrency Stablecoin Digital Assets Bank Capital Requirements/Basel Capital Proposal UDAAP Supervisory Policies and Adjudication Procedures Applying Community Reinvestment Act to credit unions Merchant Category Codes H.R. 1181, Protecting Privacy in Purchases Act H.R.1602, Financial Privacy Act of 2025 Foreign Affiliate Sharing Pilot Program Extension Act Financial Innovation and Technology for the 21st Century Act H.R.2885, Bank Loan Privacy Act H.R. 941, Small Lender Act Regulation II: Debit Card Interchange Fees and Routing Implementation of Dodd-Frank Act Section 1033: Final Rule on Personal Financial Data Rights Merger and Acquisition Policy Artificial Intelligence Risk Management, Regulation, and Innovation CDFI Certification & Funding Federal Reserve Discount Window and Emergency Lending Authority Tokenization of Assets Fraud Issues Peer-To-Peer Payment Fraud Financial Data Transparency Act Rulemaking FDIC Brokered Deposit Proposal H.R. 3633, the Digital Asset Market Clarity (CLARITY) Act of 2025 H.R.1900 - Bank Failure Prevention Act of 2025 H.R.3230 - Financial Institution Regulatory Tailoring Enhancement Act H.R.8287 - Stress Testing Accountability and Transparency Act H.R. 2835, the Small Bank Holding Company Relief Act H.R. 3709, the Advancing the Mentor-Protege Program for Small Financial Institutions Act H.R. 3716, the Systemic Risk Authority Transparency Act H.R. 940, the Fair Audits and Inspections for Regulators' (FAIR) Exams Act H.R. 3379, the Halting Uncertain Methods and Practices in Supervision (HUMPS) Act of 2025 H.R. 3380, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2025 S.2019 - Task Force for Recognizing and Averting Payments Scams (TRAPS) Act H.R. 3390, the Bringing the Discount Window into the 21st Century Act H.R. 4460, the Stop Agency Fiat Enforcement of Guidance (SAFE Guidance) Act H.R. 3446, the FDIC Board Accountability Act H.R. 4544, The American Access to Banking Act H.R. 4478, the Tailored Regulatory Updates for Supervisory Testing Act of 2025 (TRUST Act) H.R. 4437, the Supervisory Modifications for Appropriate Risk-Based Testing Act of 2025 (SMART Act) H.R. 5270, the Stress Testing Accountability and Transparency Act H.R. 5276, the Community Bank Leverage Improvement and Flexibility for Transparency (Community Bank LIFT) Act H.R. 5291, the Merchant Banking Modernization Act H.R. 5262, the Bank Competition Modernization Act Legislation to support Minority Depository Institutions H.R. 6553, the Tailoring and Indexing Enhanced Regulations (TIER) Act H.R. 6554, the Community Bank Representation Act H.R. 6536, Rural Depositories Revitalization Study Act H.R. 6551, the New Bank Application Numbers Knowledge Act (New BANK) Act H.R. 6546, Merger Process Review Act H.R. 6570, the Merger Agreement Approvals Clarity and Predictability Act H.R. 6544, The Regulatory Efficiency, Verification, Itemization, and Enhanced Workflow (REVIEW) Act H.R. 6550, the American Financial Institution Regulatory Sovereignty and Transparency (American FIRST) Act H.R. 6555, the Enhancing Bank Resolution Participation Act Ensuring Fair Access to Banking Act H.R. 6955, the Main Street Capital Access Act H.R. 7056, the Community Bank Regulatory Tailoring Act S.3940, the Access to Fair Financing for Opportunity and Resilient Development (AFFORD) Act S. 3017, the STREAMLINE Act H.R. 1799, the Financial Reporting Threshold Modernization Act

LobbyistCovered position, as disclosed
RODRIGO JAVIER ALBA —
FRANCIS PAUL BENDA New N/A
WAELSTON TANNER BLACK New 2018-2019 Schedule C Employee - U.S. Small Business Administration 2019-2021 Schedule C Employee U.S. Dept. of the Treasury
WILLIAM HANNA BOGER —
NAOMI CAMPER —
HUGH CARNEY —
ALEX CATANESE —
EDWARD JOSEPH CONNOR —
BLAKE EARLEY —
EDWIN ELFMANN —
CHRIS FISHER —
ROBERT FLOCK —
MICHAEL GULLETTE —
CHRISTIAN JORGENSON New 2020 - Counsel four House of Representatives Financial Services Committee
TIMOTHY EDWARD KEEHAN —
JUSTIN MELVIN —
ROBERT NICHOLS —
ANTHONY VINCENT PARDAL —
JOSEPH PIGG —
FRANK PIGULSKI —
THOMAS ROSENKOETTER New 1993 - Staff Assistant, Phil Crane (R-IL) 1993-1998 - Legislative Assistant, Bill McCollum (R-FL)
JESS SHARP —
JOSHUA STEIN —
KIRSTEN SUTTON —
ALISON TALMADGE TOUHEY —

Contacted: SENATE; Federal Reserve System; HOUSE OF REPRESENTATIVES; Treasury, Dept of

Bills named: H.R. 987 (119th), H.R. 941 (119th), H.R. 5291 (119th), H.R. 1919 (119th), H.R. 3380 (119th), H.R. 2392 (119th), H.R. 1181 (119th), H.R. 6536 (119th), H.R. 1799 (119th), H.R. 1652 (119th), H.R. 6555 (119th), H.R. 4437 (119th), S. 3017 (119th), H.R. 2513 (119th), H.R. 1606 (119th), H.R. 2885 (119th), H.R. 8087 (119th), S. 557 (119th), S. 875 (119th), H.R. 5262 (119th), H.R. 6553 (119th), H.R. 5276 (119th), H.R. 6570 (119th), H.R. 6544 (119th), H.R. 3390 (119th), S. 394 (119th), S. 1124 (119th), S. 919 (119th), H.R. 1900 (119th), H.R. 2835 (119th), H.R. 3230 (119th), H.R. 4478 (119th), S. 401 (119th), H.R. 654 (119th), S. 381 (119th), S. 4198 (119th), H.R. 6546 (119th), H.R. 4460 (119th), S. 3623 (119th), S. 3940 (119th), H.R. 6550 (119th), H.R. 1653 (119th), H.R. 3709 (119th), H.R. 3716 (119th), H.R. 3633 (119th), H.R. 976 (119th), H.R. 940 (119th), H.R. 3445 (119th), H.R. 5270 (119th), H.R. 2702 (119th), H.R. 6554 (119th), H.R. 2331 (119th), H.R. 306 (119th), H.R. 1602 (119th), H.R. 4544 (119th), H.R. 6551 (119th), H.R. 7035 (119th), H.R. 3446 (119th), H.R. 7056 (119th), H.R. 478 (119th), H.R. 1944 (119th), H.R. 6955 (119th), S. 2019 (119th), H.R. 2183 (119th), H.R. 8287 (119th), S. 113 (119th), H.R. 3379 (119th)

Bankruptcy BNK

Bankruptcy reform legislation, including bills related to small business, student loans and related legislation Small business bankruptcy thresholds under Chapter 11, Subsection V

LobbyistCovered position, as disclosed
WILLIAM HANNA BOGER —
BLAKE EARLEY —
JUSTIN MELVIN —
KIRSTEN SUTTON —

Contacted: HOUSE OF REPRESENTATIVES; SENATE

Budget/Appropriations BUD

Community Development Financial Institutions Fund and Bank Enterprise Award Program FY2026 / 2027 Financial Services and General Government Appropriations for FY 2026 / 2027

LobbyistCovered position, as disclosed
WILLIAM HANNA BOGER —
ALEX CATANESE —
BLAKE EARLEY —
CHRIS FISHER —
JUSTIN MELVIN —
JOSEPH PIGG —
FRANK PIGULSKI —
KIRSTEN SUTTON —

Contacted: SENATE; HOUSE OF REPRESENTATIVES

Copyright/Patent/Trademark CPT

Quality Patents

LobbyistCovered position, as disclosed
WILLIAM HANNA BOGER —

Contacted: HOUSE OF REPRESENTATIVES; SENATE

Financial Institutions/Investments/Securities FIN

SEC Good Governance Reform H.R. 2441, the Improving Disclosures for Investors Act of 2025 H.R. 1469, the Senior Security Act

LobbyistCovered position, as disclosed
BLAKE EARLEY —
CHRIS FISHER —
FRANK PIGULSKI —
KIRSTEN SUTTON —

Contacted: HOUSE OF REPRESENTATIVES; SENATE

Bills named: H.R. 2441 (119th), H.R. 1469 (119th)

Government Issues GOV

Fiscal Year 2026 National Defense Authorization Act for 2025 Artificial Intelligence

LobbyistCovered position, as disclosed
WILLIAM HANNA BOGER —
ALEX CATANESE —
BLAKE EARLEY —
CHRIS FISHER —
JUSTIN MELVIN —
ROBERT NICHOLS —
FRANK PIGULSKI —
JESS SHARP —
KIRSTEN SUTTON —

Contacted: SENATE; HOUSE OF REPRESENTATIVES; White House Office

Homeland Security HOM

Data Security and Privacy Cybersecurity related issues/cybersecurity regulatory harmonization Ginnie Mae Cyber Incident Reporting Requirements Reauthorization of The Cybersecurity Information Sharing Act (CISA) of 2015/enhancing cybersecurity information sharing protocols S.2983, the Extending Expired Cybersecurity Authorities Act H.R.5079, the Widespread Information Management for the Welfare of Infrastructure and Government Act

LobbyistCovered position, as disclosed
FRANCIS PAUL BENDA New N/A
WAELSTON TANNER BLACK New 2018-2019 Schedule C Employee - U.S. Small Business Administration 2019-2021 Schedule C Employee U.S. Dept. of the Treasury
WILLIAM HANNA BOGER —
ALEX CATANESE —
BLAKE EARLEY —
CHRIS FISHER —
JUSTIN MELVIN —
FRANK PIGULSKI —
KIRSTEN SUTTON —

Contacted: SENATE; HOUSE OF REPRESENTATIVES

Bills named: H.R. 5079 (119th), S. 2983 (119th)

Insurance INS

S.128, Primary Care Enhancement Act H.R.5688, the Bipartisan HSA Improvement Act of 2023 H.R. 548, HSA Modernization Act CARES Act provision reinstating the HDHP-HSA telehealth safe harbor National Flood Insurance Program H.R.5535, Insurance Data Protection Act Terrorism Risk Insurance Act Reauthorization H.R. 5577, the NFIP Extension Act of 2026 Legislation to expand access to Health Savings Accounts H.R. 7128, the TRIA Program Reauthorization Act of 2026

Contacted: HOUSE OF REPRESENTATIVES; SENATE

Bills named: H.R. 5577 (119th), S. 128 (119th), H.R. 5688 (119th), H.R. 548 (119th), H.R. 7128 (119th), H.R. 5535 (119th)

Law Enforcement/Crime/Criminal Justice LAW

Anti-Money Laundering/ BSA Implementation of the Anti-Money Laundering Act of 2020 and the Corporate Transparency Act De-risking SEC Cyber Disclosures H.R.1631, Safe Access to Cash Act of 2025 S.3798, the Safe Access to Cash Act

Contacted: HOUSE OF REPRESENTATIVES; SENATE

Bills named: H.R. 1631 (119th), S. 3798 (119th)

Small Business SMB

Dodd-Frank Section 1071 Small Business Data Collection and Reporting Rule SBA 7(a) Lending Program Credit union member business lending H.R. 736, the Protect Small Businesses from Excessive Paperwork Act of 2025 H.R. 2987, Capping Excessive Awarding of SBLC Entrants Act of 2025 (CEASE Act)

Contacted: HOUSE OF REPRESENTATIVES; Treasury, Dept of; SENATE

Bills named: H.R. 2987 (119th), H.R. 736 (119th)

Taxation/Internal Revenue Code TAX

Credit Union Tax and Charter Issues H.R. 703/S. 213, the Main Street Tax Certainty Act Tax Cuts and Jobs Act Program Extensions 199A Deduction for Qualified Business Income Federal Corporate Tax Rate Opposition to a National Bank Tax Section 899-related tax issues Opposition to taxes on remittance transfers Strengthening the Low-Income Housing Tax Credit (LIHTC) Permanency for extending an Enhanced Estate Tax Exemption S.1605, International Competition for American Jobs Act Restoring deductibility for FDIC premiums The Digital Asset Protection, Accountability, Regulation, Innovation, Taxation, and Yields (PARITY) Act

Contacted: SENATE; HOUSE OF REPRESENTATIVES; Treasury, Dept of

Bills named: S. 1605 (119th), S. 213 (119th), H.R. 703 (119th)

Housing HOU

Federal Housing Administration Cyber Incident Notification Requirements S.2651, The Renewing Opportunity in the American Dream to Housing Act of 2025 (The ROAD to Housing Act of 2025) Legislation to increase banks investments in affordable housing H.R.6644, the Housing for the 21st Century Act Issues regarding secondary mortgage markets

LobbyistCovered position, as disclosed
RODRIGO JAVIER ALBA —
WAELSTON TANNER BLACK New 2018-2019 Schedule C Employee - U.S. Small Business Administration 2019-2021 Schedule C Employee U.S. Dept. of the Treasury
ALEX CATANESE —
EDWARD JOSEPH CONNOR —
BLAKE EARLEY —
CHRIS FISHER —
JUSTIN MELVIN —
JOSEPH PIGG —
FRANK PIGULSKI —

Contacted: SENATE; HOUSE OF REPRESENTATIVES

Bills named: S. 2651 (119th), H.R. 6644 (119th)

Retirement RET

H.R. 1013/S. 424, the Retirement Fairness for Charities and Educational Institutions Act

LobbyistCovered position, as disclosed
BLAKE EARLEY —
TIMOTHY EDWARD KEEHAN —
FRANK PIGULSKI —
KIRSTEN SUTTON —

Contacted: HOUSE OF REPRESENTATIVES; SENATE

Bills named: S. 424 (119th), H.R. 1013 (119th)

Consumer Issues/Safety/Products CSP

S.4144/H.R.306 - Ending Scam Credit Repair Act or the ESCRA Act Debt settlement issues Legislation to protect consumers from online scams

LobbyistCovered position, as disclosed
WILLIAM HANNA BOGER —
ALEX CATANESE —
BLAKE EARLEY —
CHRIS FISHER —
CHRISTIAN JORGENSON New 2020 - Counsel four House of Representatives Financial Services Committee
FRANK PIGULSKI —
THOMAS ROSENKOETTER New 1993 - Staff Assistant, Phil Crane (R-IL) 1993-1998 - Legislative Assistant, Bill McCollum (R-FL)

Contacted: HOUSE OF REPRESENTATIVES; SENATE

Bills named: H.R. 306 (119th), S. 4144 (119th)

Minting/Money/Gold Standard MON

H.R.3074/S. 1525, Common Cents Act Coin circulation issues

LobbyistCovered position, as disclosed
ALEX CATANESE —
BLAKE EARLEY —
CHRIS FISHER —
JUSTIN MELVIN —
FRANK PIGULSKI —
JESS SHARP —
KIRSTEN SUTTON —

Contacted: SENATE; HOUSE OF REPRESENTATIVES

Bills named: H.R. 3074 (119th), S. 1525 (119th)

Shown as published by the Senate Office of Public Records and the House Clerk under the Lobbying Disclosure Act. The official filing is the record; open it for the full form.