2nd Quarter - Report

AMERICAN BANKERS ASSOCIATION for AMERICAN BANKERS ASSOCIATION

Firm
Client
Income
—
Expenses
$1,960,000
Expense method
C: businesses, Internal Revenue Code section 162(e)

What was lobbied

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

Accounting ACC

SEC Staff Accounting Bulletin 121 Financial Accounting Standards Board Oversight Hedging HTM Securities and HTM accounting Public Company Accounting Oversight Board reform

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

Contacted: HOUSE OF REPRESENTATIVES; SENATE

Agriculture AGR

Farm Credit System Farm Bill H.R. 1822/ S. 838, Access to Credit for our Rural Economy (ACRE) Act of 2025

Contacted: HOUSE OF REPRESENTATIVES; SENATE

Bills named: S. 838 (119th), H.R. 1822 (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 S.J. Res. 36/H.J. Res. 74, the resolution to disapproval of the Consumer Financial Protection Bureaus (CFPB) rule prohibiting medical debt information from being reported or used by creditors S.J. Res. 18/H.J. Res. 59, the resolution of disapproval of the final rule issued by the Consumer Financial Protection Bureau (CFPB) on December 12, 2024, regarding overdraft protection services 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) Credit Card Competition Act 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 Dodd-Frank Section 1033 Open Banking Rule CFPB Credit Card Late Fee Rule Deposit Insurance Reform 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 Emergency Capital Investment Issues for CDFI and MDI Institutions UDAAP Supervisory Policies and Adjudication Procedures Community Reinvestment Act Final Rule 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.1631, Safe Access to Cash Act of 2025 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 Notice of Proposed Rulemaking for Debit Card Interchange Fees and Routing (Reg II) Federal Reserve Discount Window and Emergency Lending Authority Tokenization of Assets Fraud Issues Regulatory Tailoring Peer-To-Peer Payment Fraud Financial Data Transparency Act Rulemaking FDIC Brokered Deposit Proposal S. 1467/H.R. 2808 Homebuyers Privacy Protection Act S.J.Res.13, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency of the Department of the Treasury relating to the review of applications under the Bank Merger Act H.J.Res.92 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency of the Department of the Treasury relating to the review of applications under the Bank Merger Act. 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.3390 - Bringing the Discount Window into the 21st Century 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

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

Bills named: H.R. 1606 (119th), H.R. 1631 (119th), H.R. 1652 (119th), H.J.Res. 74 (119th), S. 1467 (119th), S. 401 (119th), H.R. 306 (119th), H.R. 1181 (119th), H.R. 3379 (119th), S.J.Res. 18 (119th), H.R. 1944 (119th), H.R. 940 (119th), H.R. 2183 (119th), H.R. 2885 (119th), H.R. 987 (119th), H.R. 3390 (119th), H.R. 2513 (119th), H.R. 2331 (119th), H.R. 1919 (119th), H.R. 2702 (119th), H.R. 3716 (119th), H.R. 3380 (119th), S. 394 (119th), S. 113 (119th), H.R. 1602 (119th), S.J.Res. 36 (119th), H.R. 2808 (119th), S. 381 (119th), H.R. 976 (119th), H.J.Res. 59 (119th), S. 875 (119th), H.R. 3230 (119th), H.R. 2392 (119th), S.J.Res. 13 (119th), H.R. 2835 (119th), H.J.Res. 92 (119th), S. 557 (119th), H.R. 1653 (119th), H.R. 1900 (119th), H.R. 654 (119th), S. 919 (119th), S. 2019 (119th), H.R. 3709 (119th), H.R. 478 (119th), S. 1124 (119th), H.R. 8287 (119th), H.R. 941 (119th), H.R. 3445 (119th), H.R. 3633 (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: SENATE; HOUSE OF REPRESENTATIVES

Budget/Appropriations BUD

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

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

Contacted: HOUSE OF REPRESENTATIVES; SENATE

Copyright/Patent/Trademark CPT

Quality Patents

LobbyistCovered position, as disclosed
WILLIAM HANNA BOGER —
HUGH CARNEY —

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 —
FRANK PIGULSKI —
KIRSTEN SUTTON —

Contacted: SENATE; HOUSE OF REPRESENTATIVES

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 —
EDWIN ELFMANN —
CHRIS FISHER —
JUSTIN MELVIN —
ROBERT NICHOLS —
FRANK PIGULSKI —
JESS SHARP —
KIRSTEN SUTTON —

Contacted: SENATE; White House Office; HOUSE OF REPRESENTATIVES

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

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

Contacted: HOUSE OF REPRESENTATIVES; SENATE

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

Contacted: HOUSE OF REPRESENTATIVES; SENATE

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

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

Contacted: HOUSE OF REPRESENTATIVES; SENATE

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; SENATE; Treasury, Dept of

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

Taxation/Internal Revenue Code TAX

Credit Union Tax and Charter Issues H.R.1103/S.479, New Markets Tax Credit Extension Act 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 Permanency for the preferential rates on global intangible low-taxed income (GILTI) and foreign-derived intangible income (FDII)-and by extending the current base-erosion and anti-abuse tax (BEAT) rates Strengthening the Low-Income Housing Tax Credit (LIHTC) Permanency for extending an Enhanced Estate Tax Exemption Permanency for the New Markets Tax Credit (NMTC) Permanency for 100 percent expensing for equipment, machinery, and vehicles ("bonus depreciation") Permanency for the ability for businesses to immediately expense domestic research and development (R&D) costs Permanency for Section 163(j) interest deductibility calculation based on EBITDA instead of EBIT S.1605, International Competition for American Jobs Act H.R. 1, One Big Beautiful Bill Act (OBBB Act)

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

Bills named: H.R. 703 (119th), S. 479 (119th), H.R. 1 (119th), H.R. 1103 (119th), S. 213 (119th), S. 1605 (119th)

Housing HOU

Federal Housing Administration Cyber Incident Notification Requirements

LobbyistCovered position, as disclosed
RODRIGO JAVIER ALBA —
ALEX CATANESE —
BLAKE EARLEY —
CHRIS FISHER —
JUSTIN MELVIN —
JOSEPH PIGG —
FRANK PIGULSKI —

Contacted: HOUSE OF REPRESENTATIVES; SENATE

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

Consumer Issues/Safety/Products CSP

H.R.306 - Ending Scam Credit Repair Act or the ESCRA Act

LobbyistCovered position, as disclosed
BLAKE EARLEY —
CHRIS FISHER —

Contacted: HOUSE OF REPRESENTATIVES; SENATE

Bills named: H.R. 306 (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.