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H.R. 8278119th CongressPlaced on the Union Calendar, Calendar No. 617.

Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision Act

Introduced: Apr 14, 2026
Latest action: Jun 24, 2026

Latest Action

Placed on the Union Calendar, Calendar No. 617.

1
Primary Sponsors
0
Cosponsors
6
Recorded Actions
1
Linked Votes

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Official Summary

Official legislative summary associated with this bill.

Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision Act This bill requires specified federal financial agencies to assess their technological capabilities and procurement practices. Specifically, agencies (the Federal Reserve Board, the Consumer Financial Protection Bureau, the Federal Deposit Insurance Corporation, the Department of the Treasury, the Office of the Comptroller of the Currency, the Financial Crimes Enforcement Network, the Federal Housing Finance Agency, and the National Credit Union Administration) must assess the technology used by the agency and its capabilities to conduct real-time supervisory assessments of entities over which the agency has supervisory authority. Additionally, the agencies must assess the applicable procurement rules and protocols when acquiring or developing new technological systems and identify any opportunities to streamline these procedures. Every five years, these agencies must report to specified congressional committees. Among other topics, the report must contain an overview of the technology used in supervisory assessments and any anticipated upgrades, a description of procurement practices, an overview of the agency’s technology development workforce, and details regarding data sharing procedures.

Primary Sponsors

Members listed as primary sponsors of this legislation.

Cosponsors

Members who joined this legislation as cosponsors.

No cosponsors found.

Recorded Actions

Official legislative actions recorded for this measure.

H12200Jun 24, 2026

Reported (Amended) by the Committee on Financial Services. H. Rept. 119-711.

Official source ↗
H12410Jun 24, 2026

Placed on the Union Calendar, Calendar No. 617.

Official source ↗
H19000May 13, 2026

Ordered to be Reported (Amended) by the Yeas and Nays: 52 - 0.

Official source ↗
H15001May 13, 2026

Committee Consideration and Mark-up Session Held

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H11100Apr 14, 2026

Referred to the House Committee on Financial Services.

Official source ↗
Intro-HApr 14, 2026

Introduced in House

Official source ↗

Linked Votes

Roll-call votes associated with this legislation.

Lobbying Activity

Federal lobbying disclosures that explicitly identify H.R. 8278. These records show reported lobbying involving the legislation; they do not establish that every member of Congress, sponsor, or voter was personally contacted.

AMERICAN FINTECH COUNCIL

Registrant: AMERICAN FINTECH COUNCIL

2nd Quarter (Apr 1 - June 30)
Jul 20, 2026

Reported lobbying issue

Banking: Executive Order 14405 - Integrating Financial Technology Innovation Into Regulatory Frameworks; lending and regulatory reform. Discussions to preserve the lending framework established by the Depository Institutions Deregulation and Monetary Control Act of 1980. Financial Institutions/Investments/Securities: H.R. 306 / S. 4144 - Ending Scam Credit Repair Act: provisions related to credit reporting reform. H.R. 940 - Fair Audits and Inspections for Regulators' (FAIR) Exams Act: provisions related to examination. H.R. 2152 - Artificial Intelligence Practices, Logistics, Actions, and Necessities (AI PLAN) Act; provisions related to artificial intelligence. H.R. 2702 / S. 875 - Financial Integrity and Regulation Management (FIRM) Act: provisions related to regulatory reform. H.R. 2978 - Guarding Unprotected Aging Retirees from Deception (GUARD) Act; provisions related to artificial intelligence. H.R. 3380 / S. 427 - Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2025: provisions related to regulatory reform. H.R. 3709 - Advancing the Mentor-Protege Program for Small Financial Institutions Act: provisions related to regulatory reform. H.R. 4801 - Unleashing AI Innovation in Financial Services Act; provisions related to artificial intelligence. H.R. 4437 - Supervisory Modifications for Appropriate Risk-based Testing (SMART) Act: provisions related to examination. H.R. 4478 / S. 3830 - Tailored Regulatory Updates for Supervisory Testing (TRUST) Act of 2025 Act: provisions related to examination. H.R. 5317 - Community Bank Deposit Access Act of 2025: provisions regarding custodial deposits. H.R. 5402 / S. 1465 - Credit Access and Inclusion Act of 2025: provisions related to credit reporting. H.R. 6552 - Bank-Fintech Partnership Enhancement Act: provisions related to bank-fintech partnerships. H.R. 6955 - Main Street Capital Access Act: provisions from proposed bills H.R. 940, H.R. 2702, H.R. 4437, H.R. 5317 and S. 875. H.R. 7866 / S.3889 - American Lending Fairness Act of 2026: provisions related to lending. H.R. 8278 - Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision (FUTURES) Act; provisions related to artificial intelligence. H.R. 8398 - Guidelines for Use, Access, and Responsible Disclosure of Financial Data Act; provisions related to artificial intelligence. H.R. 8671 - Bank Fraud Technology Advancement Act of 2026; provisions related to artificial intelligence. H.R. 9330 - Earned Wage Access Consumer Protection Act; provisions related to earned wage access. H.R. 9331 - STOP Payments Fraud Act of 2026; provisions related to regulatory reform. S. 1582 - Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act; provisions related to interest/yield reform. S. 3721 - Empowering States Rights To Protect Consumers Act of 2026: provisions related to lending. Discussions regarding modernization of the Gramm-Leach-Bliley Act, Title VI. Housing: H.R. 6644 - 21st Century ROAD to Housing Act: provisions related to community banking.

Government entities reported: Federal Deposit Insurance Corporation (FDIC) HOUSE OF REPRESENTATIVES SENATE

Reported filing-period amount: $110,000

This is the amount reported for the filing/reporting period and should not be interpreted as money spent lobbying this bill alone.

View official LDA filing ↗

AMERICAN BANKERS ASSOCIATION

Registrant: AMERICAN BANKERS ASSOCIATION

2nd Quarter (Apr 1 - June 30)
Jul 20, 2026

Reported lobbying issue

Accounting: Financial Accounting Standards Board Oversight Public Company Accounting Oversight Board reform Agriculture: 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 Rural housing issues Banking: 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 H.R. 8278, Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision (FUTURES) Act H.R. 9331, the Strengthening Transaction Oversight Preventing (STOP) Payments Fraud Act H.R. 9471/S. 4942, the Secure and Fair Enforcement Banking Act (SAFE Banking Act) of 2026 H.R. 8395, the Payments Access and Consumer Efficiency (PACE) Act Bankruptcy: Bankruptcy reform legislation, including bills related to small business, student loans and related legislation Small business bankruptcy thresholds under Chapter 11, Subsection V Budget/Appropriations: Community Development Financial Institutions Fund and Bank Enterprise Award Program FY2026 / 2027 Financial Services and General Government Appropriations for FY2026 / 2027 Copyright/Patent/Trademark: Quality Patents Financial Institutions/Investments/Securities: SEC Good Governance Reform H.R. 2441, the Improving Disclosures for Investors Act of 2025 H.R. 1469, the Senior Security Act H.R. 9329, SEC Reform and Restructuring Act Government Issues: Fiscal Year 2026 National Defense Authorization Act for 2025 Artificial Intelligence Taxation/Internal Revenue Code: 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 H.R. 9383, the Small Business and Consumer Credit Act H.R. 9178, the Less Tax Paperwork for Digital Asset Owners Act H.R. 9175, the Tax Clarity for Mining and Staking Act H.R. 9173, the Charitable Deductions for Digital Asset Donations Act H.R. 9176, the Providing Analogous Rules for Digital Assets Act H.R. 9174, the Digital Assets Voluntary Disclosure Program Act H.R. 9172, the Applying Existing Tax Anti-Abuse Rules to Digital Assets Act Homeland Security: 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 Insurance: 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 Law Enforcement/Crime/Criminal Justice: 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 Small Business: 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) Housing: 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 / 21st Century ROAD to Housing Act Issues regarding secondary mortgage markets Retirement: H.R. 1013/S. 424, the Retirement Fairness for Charities and Educational Institutions Act Consumer Issues/Safety/Products: S.4144/H.R.306 - Ending Scam Credit Repair Act or the ESCRA Act Debt settlement issues Legislation to protect consumers from online scams H.R. 5775, the FCRA Liability Harmonization Act H.R. 2978, Guarding Unprotected Aging Retirees from Deception (GUARD Act) Minting/Money/Gold Standard: H.R.3074/S. 1525, Common Cents Act Coin circulation issues

Government entities reported: HOUSE OF REPRESENTATIVES SENATE Federal Reserve System Treasury, Dept of White House Office

Reported filing-period amount: $3,510,000

This is the amount reported for the filing/reporting period and should not be interpreted as money spent lobbying this bill alone.

View official LDA filing ↗

JPMORGAN CHASE HOLDINGS LLC

Registrant: JPMORGAN CHASE HOLDINGS LLC

2nd Quarter (Apr 1 - June 30)
Jul 20, 2026

Reported lobbying issue

Defense: Discussed issues related to establishing secure and resilient U.S. supply chains. Energy/Nuclear: Discussed issues related to establishing secure and resilient U.S. supply chains. Pharmacy: Discussed issues related to establishing secure and resilient U.S. supply chains. Banking: S. 401, H.R. 3234, H.R. 6644, S. 4198, H.R. 6955 - Discussed bank regulatory policy. Discussed mortgage loan originations, servicing and refinancing, and related issues. Consumer Issues/Safety/Products: S. 381, H.R. 1944, S. 2781, S. 3623, H.R. 7035, S. 4244, S. 3793, S. 3721, S. 3660, H.R. 7548, S. 3774 - Discussed consumer protection, fraud and scam prevention, digital identification, credit reporting, and privacy issues related to financial services and products. Discussed issues related to credit and debit card services. Financial Institutions/Investments/Securities: H.R. 3633, S. 3017, H.R. 1799, H.R. 2152, H.R. 4801, H.R. 8278 - Discussed margin issues and CCPs. Discussed issues related to bank structure, capital requirements, capital formation, market structure, market access and market liquidity. Discussed BSA/AML. Discussed AI, issues around financial technology policy and the regulatory perimeter. Discussed examination and enforcement issues. Discussed digital assets issues. Discussed issues related to establishing secure and resilient U.S. supply chains. Homeland Security: S. 1337, H.R. 5079, H.R. 8800, S. 4784 - Discussed proposals related to cyber security, data protection, notification issues and outbound investment issues. Discussed issues related to establishing secure and resilient U.S. supply chains. Small Business: Discussed small business lending and access to capital issues. Taxation/Internal Revenue Code: Discussed digital asset, corporate and international tax issues. Travel/Tourism: S. 3787, H.R. 7454, H.R. 6086, S. 3031, H.R. 5851, S. 1045, S. 3220, H.R. 6128, H.R. 5556, H.R. 5663, H.R. 1319, S. 2228 - Discussed proposals related to the travel industry.

Government entities reported: Defense, Dept of (DOD) HOUSE OF REPRESENTATIVES Natl Security Council (NSC) SENATE Energy, Dept of Executive Office of the President (EOP) Health & Human Services, Dept of (HHS) Commerce, Dept of (DOC) Treasury, Dept of U.S. Trade Representative (USTR)

Reported filing-period amount: $1,190,000

This is the amount reported for the filing/reporting period and should not be interpreted as money spent lobbying this bill alone.

View official LDA filing ↗

NATIONAL MULTIFAMILY HOUSING COUNCIL INC

Registrant: NATIONAL MULTIFAMILY HOUSING COUNCIL, INC.

2nd Quarter (Apr 1 - June 30)
Jul 20, 2026

Reported lobbying issue

Taxation/Internal Revenue Code: H.R. 8415, Small Business Tax Cut Act, amend the Internal Revenue Code of 1986 to increase the deduction for qualified business income, and for other purposes, all provisions. Tax depreciation rules applicable to multifamily structures, including proposal to shorten depreciation period to 20 years for workforce housing. H.R. 8996, Rental Housing Investment Act, to amend the Internal Revenue Code of 1986 to provide bonus depreciation for long-term residential rental housing, all provisions. S. 4080, a bill to amend the Internal Revenue Code of 1986 to provide bonus depreciation for long-term residential rental housing, all provisions. S. 3904, the American Homeownership Act, to amend the Internal Revenue Code of 1986 to deny interest and depreciation deductions for certain taxpayers, and for other purposes, all provisions. H.R. 8626, Workforce Housing Tax Credit Act, to amend the Internal Revenue Code of 1986 to provide a credit for middle-income housing, and for other purposes, all provisions. S. 4773, Decent, Affordable, Safe Housing for All (DASH) Act, to provide rental vouchers for the homeless, and for other purposes, provisions impacting multifamily rental housing and in particular middle-income housing tax credit. Issues pertaining to and potential for additional policies necessary for successful implementation of changes to the Low-Income Housing Tax Credit enacted in One Big Beautiful Bill Act, as well as policies to improve the Affordable Housing Credit Improvement Act (H.R. 2725 and S. 1515) when it is reintroduced in the 120th Congress. Draft legislative proposal, Boosting Urban Infill for Lasting Development (BUILD) of Affordable Housing Act, to amend the Internal Revenue Code of 1986 to increase the low-income housing credit for qualified low-income infill buildings, and for other purposes, all provisions. Studied ways to reduce the cost of producing housing under the Low-Income Housing Tax Credit program. Proposal to broaden like-kind exchange completion period to 3 years for investors selling single-family rental properties and reinvesting gain into new residential units or repurposed commercial housing units. To promote the rehabilitation and preservation of multifamily housing in all Opportunity Zones nationwide (not only Opportunity Zones located in rural areas), Congress should reduce the basis increase necessary to qualify a multifamily rehabilitation project for Opportunity Zone purposes to no higher than 50 percent. S. 4330, Ending the Carried Interest Loophole Act, to amend the Internal Revenue Code of 1986 to revise the treatment of partnership interests received in connection with the performance of services, and for other purposes, all provisions. Issues pertaining to the Energy Efficient Commercial Buildings Deduction and the New Energy Efficient Home Credit. Tax incentive to expense environmental remediation costs (brownfields). Request to Treasury and the IRS that the 2026-2027 Priority Guidance Plan include guidance pertaining to the Low-Income Housing Tax Credit to: (1) Implement Violence Against Women Act protections for Housing Credit tenants; (2) Provide greater flexibility for properties suffering casualty loss; (3) Include relocation expenses in rehabilitation expenditures; and (4) Better restrict planned foreclosure. Housing: Housing Supply and Affordability CARES Act 30-day Notice to Vacate and Evictions, including Respect State Housing Laws Act, all provisions (S. 470 / H.R. 1078), Rules Committee amendment 136 to the National Defense Authorization Act (NDAA) for Fiscal Year 2027 (H.R. 8800) pertaining to eviction 30-Day notice to vacate requirement under the Coronavirus Aid, Relief, and Economic Security (CARES) Act. Requested that Fiscal Year 2027 Transportation, Housing and Urban Development (THUD) Appropriations bill include language striking subsection (c) from Section 4024 of the CARES Act (15 U.S.C. 9058), making clear that the requirement that a lessor of a covered property provide a tenant 30-days notice before requiring the tenant to vacate has ended. Request for Executive Order to clarify that the 30-day notice to vacate requirement contained in the CARES Act (15 U.S.C. 9058(c)) is no longer in effect and does not impose an ongoing federal pre-filing notice requirement. H.R. 6644, Housing for the 21st Century Act, a bill to increase the supply of housing in America, and for other purposes, all provisions, including Sec. 101: Housing Supply Frameworks, Sec. 102: Accelerating home building grant program, Sec. 106: Multifamily loan limits, Sec. 201: HOME Reform, Sec. 202: Community Development Fund Amendments, Sec. 205: Choice in Affordable Housing, and Sec. 303: Community investment and prosperity. H.R. 6664, 21st Century ROAD to Housing Act, Sec. 503: Rural Housing Service Reform Act and Sec. 901: Homes are for people, not corporations. H. Res. 1299, Providing for the concurrence by the House in the Senate amendment to H.R. 6644, with amendment, all provisions, and in particular Sec 1001: Homes are for people, not corporations. Senate Amendment 5823 to House Amendment to Senate Amendment to H.R. 6644, 21st Century ROAD to Housing Act, an act to increase the supply of housing in America, and for other purposes, all provisions. H.R. 9311, Build Housing Affordably Act, to exempt certain covered projects from the requirements of chapter 83 of title 41, United States Code, or any regulation or guidance issued for such chapter, all provisions. Draft legislation, to amend the United States Housing Act of 1937 to require the Secretary of Housing and Urban Development to reallocate unobligated funding for tenant-based assistance to public housing agencies which are in need of more funding for tenant-based assistance, all provisions. Draft legislation, Tenants' Right to Organize Act, to amend the United States Housing Act of 1937 to promote the establishment of tenant organizations and provide additional amounts for tenant organizations, and for other purposes, all provisions. Identifying Regulatory Barriers to Housing Supply Act, all provisions (H.R. 4659 / S. 2416). Permitting Reform and National Environmental Policy Act changes. HOME Reform Act of 2025, all provisions (H.R. 5878). Community Investment and Prosperity Act, all provisions (H.R. 5913, S. 2464). Public Welfare Investment (PWI) Cap, related to Low Income Housing Tax Credit and other community development activities. Housing Affordability Act, all provisions (S. 1527 / H.R. 6132). Families First Housing Act, all provisions (H.R. 6962). Accelerating Home Building Act of 2025, all provisions (S. 2361). Housing Supply Frameworks Act, all provisions (H.R. 2840, S. 1299). Freedom to Build Act, all provisions (S. 4265). Fiscal Year 2027 appropriations for the Department of Housing and Urban Development and the Department of Agriculture housing programs, including the Section 8 Housing Choice Voucher Program, Project Based Rental Assistance, Rental Assistance Demonstration, Homelessness Programs, HOME, Community Development Block Grants, and Rural Housing programs. Housing Production Partnership Program Act of 2025 proposal to reform HOME Program and create property tax abatements. TIFIA Reform, proposal on commercial and residential development. Build America, Buy America Act (BABA), related to rental housing using HUD financial assistance. Draft legislative proposal, Investing in Housing Affordability Act of 2026, to create a new program based off the Small Business Investment Company model, operated at zero subsidy cost to taxpayers, and housed at the Treasury Department to provide low-cost capital to funds that invest equity or debt in affordable rental housing and homeownership projects. Draft legislative proposal, to prohibit Community Development Block Grant funding and Federal mortgage support in municipalities that allow squatting, all provisions. Request the Trump Administration direct the Office of Management and Budget to apportion the more than $500 million in Capital Magnet Fund program resources currently awaiting release by the Department of the Treasury. Issues pertaining to Institutional Investment in Housing / Build-to-Rent Housing Preservation. Issues pertaining to HUD Restore-Rebuild Initiative. Executive Orders: Stopping Wall Street from Competing with Main Street Homebuyers, as it impacts build-to-rent housing; Removing Regulatory Barriers to Affordable Home Construction; Promoting Access to Mortgage Credit. Institutional Investment in Housing / Build-to-Rent Housing Preservation Consumer Protection, Unfair and Deceptive Practices, including FTC Proposed Rule on Fees in rental housing, Fair Housing - HUD Proposed and Final Rules on Disparate Impact, Resident Screening, Emotional Support Animals Emergency Rental Assistance Program. Building Codes / Fire Safety Deregulatory efforts to reduce barriers to housing and improve affordability. Housing Choice Voucher Program, including reform and electronic benefits transfer pilot program. HUD Proposed Rules: Mixed-Status Households; Verification of U.S. Citizenship; Work Requirements and Term Limits Issues pertaining to HUD Restore-Rebuild Initiative. Proposed Rule, Regulation for Federal Financial Assistance, 91 FR 32198, docket OMB-2026-0034. Department of Housing and Urban Development, Notice of Certain Operating Cost Adjustment Factors for 2026, Notice -- request for comments, Docket No. FR-6495-N-02, 91 FR 4934. Department of Housing and Urban Development, Housing and Community Development Act of 1980: Verification of Eligible Status, Proposed Rule, 24 CFR Part 5, Docket No. FR-6524-P-01, RIN 2501-AE16. Department of Housing and Urban Development, Revocation of the 30-Day Notification Requirement Prior To Termination of Lease for Nonpayment of Rent, Interim Final Rule, 24 CFR Parts 247, 880, 882, 884, 886, 891, and 966, Docket No. FR-6529-I-01, RIN 2501-AE14. Department of Housing and Urban Development, HOME Investment Partnerships Program: Further Program Updates and Streamlining, Supplemental notice of proposed rulemaking; re-opening of comment period, 24 CFR Parts 91 and 92, Docket No. FR-6144-P-09, RIN 2506-AC50. Department of Housing and Urban Development, Establishing Flexibility for Implementation of Work Requirements and Term Limits, Proposed Rule, 24 CFR Parts 5, 960, 982, and 983, Docket No. FR-6520-P-01, RIN 2501-AE15. Department of Housing and Urban Development, Removal of Environmental Clearance Officer Review and Comment for Assessments for Projects Over 200 Lots/Dwelling Units or Beds, 24 CFR Part 50, Docket No. FR-6598-I-01, RIN 2502-AJ82. Department of Housing and Urban Development, Request for Information Regarding Products and Categories of Products Used in Housing Programs Pursuant to the Build America, Buy America Act, Docket No. FR-6616-N-01. Federal Trade Commission, Rule on Unfair or Deceptive Rental Housing Fee Practices, Proposed Rule, 16 CFR Chapter I, RIN 3084-AB88. Issues pertaining to streamlining the Section 8 Housing Choice Voucher (HCV) Program. H.R. 9170, Transportation-HUD-Related Agencies Appropriations Act 2027 Business Collaboration, DOJ and FTC guidance. FHA Multifamily Loan Programs. Fraud in rental housing. Rent control. HUD NSPIRE Requirements. Labor Issues/Antitrust/Workplace: Draft legislation, Reducing Red Tape for Rebuilding Act, to amend the Robert T. Stafford Disaster Relief and Emergency Assistance Act to adjust the time period for the eligibility of certain base and overtime wages associated with the repair, restoration, and replacement of damaged facilities, all provisions. H.Res. 1140 and H.R. 5408, Faster Labor Contracts Act, to accelerate workplace time-to-contract under the National Labor Relations Act, all provisions. S. 4427, Heat Workforce Standards Act of 2026, to prohibit the Secretary of Labor from finalizing, implementing, or enforcing a proposed standard with respect to heat injury and illness prevention, and for other purposes, all provisions. Department of Labor, Wage and Hour Division, Joint Employer Status Under the Fair Labor Standards Act, Family and Medical Leave Act, and Migrant and Seasonal Agricultural Worker Protection Act, 29 CFR Parts 500, 780, 791, and 825, Docket No. WHD-2026-0067, RIN 1235-AA48. Financial Institutions/Investments/Securities: Issues pertaining to Fannie Mae and Freddie Mac fostering multifamily construction lending. Issues pertaining to the feasibility for a government-sponsored secondary market for acquisition, development, and construction (AD&C) loans. Federal Reserve System, Regulatory Capital Rule: Risk-Based Capital Surcharges for Globally Systemically Important Bank Holding Companies; Systemic Risk Report (FR Y-15), Notice of Proposed Rulemaking, 12 CFR Part 217. Department of the Treasury, Federal Reserve System, Federal Deposit Insurance Corporation, Regulatory Capital Rule: Category I and II Banking Organizations, Banking Organizations with Significant Trading Activity, and Optional Adoption for Other Banking Organizations, Notice of Proposed Rulemaking. Department of the Treasury, Federal Reserve System, Federal Deposit Insurance Corporation, Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-weighted Assets. Request the Department of the Treasury and the Department of Justice support an expeditious review of the Corporate Transparency Act by the Supreme Court in two cases: National Small Business United v. Bessent and Texas Top Cop Shop, Inc. v. Blanche. Insurance: Insurance Affordability and Availability, impacts on housing costs. National Flood Insurance Program (NFIP), impact on housing and extension. H.R. 7128, TRIA Program Reauthorization Act of 2026, to extend the Terrorism Risk Insurance Program, and for other purposes, all provisions. S. 4395, Terrorism Risk Insurance Program Reauthorization Act of 2026, a bill to reauthorize the Terrorism Risk Insurance Act of 2002, and for other purposes, all provisions. Disaster Mitigation and Climate Resiliency Risk management for cyber, business interruption, liability, builders risk and workers compensation insurance. Homeland Security: Data Security and Privacy, including breach notification, artificial intelligence in housing. Risk management for flood, terrorism, disaster, cyber, pandemic. Cybersecurity Information Sharing Act, reauthorization Telecommunications: Broadband and voice, video and data services, including deployment, maintenance, reliability, affordability and adoption in multifamily housing. issues at multifamily communities; Broadband Equity, Access, and Deployment (BEAD) Program. Artificial intelligence, data use and emerging technologies in housing. Financial Technology (FinTech), use in rental housing. Use of technology and consumer protections. Consumer Data Privacy and Security Act, reintroduction. Universal Service Program (USF), reform and funding including the Lifeline Program and similar broadband programs. FCC Proposed Rule on Lifeline and Link Up Reform and Modernization; Delete, Delete, Delete Proposed Rulemaking; Termination of Certain Proceedings as Dormant H.R. 2152, Artificial Intelligence Practices, Logistics, Actions, and Necessities (AI PLAN) Act, to require a strategy to defend against the economic and national security risks posed by the use of artificial intelligence in the commission of financial crimes, including fraud and the dissemination of misinformation, and for other purposes, all provisions. H.R. 2978, Guarding Unprotected Aging Retirees from Deception (GUARD) Act, to permit State, local, and Tribal law enforcement agencies that receive eligible Federal grant funds to use such funds for investigating elder financial fraud, pig butchering, and general financial fraud, and to clarify that Federal law enforcement agencies may assist State, local, and Tribal law enforcement agencies in the use of tracing tools for blockchain and related technology, and for other purposes, all provisions. H.R. 8278, Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision (FUTURES) Act, to require certain supervisory agencies to assess their technological capabilities, and for other purposes, all provisions. H.R. 8671, Bank Fraud Technology Advancement Act of 2026, require the Federal banking agencies to conduct a study on the use of advanced technologies in fraud detection and prevention, with particular attention to community financial institutions, and for other purposes, all provisions. H.R. 9493, Home Internet Accessibility Act, to require the Comptroller General to submit to Congress a report on the capacity of federally assisted housing to support broadband service, and for other purposes, all provisions. H.R. 8398, the GUARD Financial Data Act, to modernize the Gramm-Leach-Bliley Act (GLBA) and establish a comprehensive, nationwide data privacy framework for the financial services sector. H.R. 8413, the SECURE Data Act, establishing a national standard for data protection. Copyright/Patent/Trademark: Patent enforcement and litigation in rental housing. Music and audiovisual copyright law and licensing. Postal: Mail and parcel delivery service in rental housing. Immigration: Immigration Reform, impacts in rental housing. DOL H-2B Program and other foreign worker visa programs, reform. Defense: Military Housing Privatization Initiative / Basic Allowance for Housing National Defense Authorization Act for Fiscal Year 2026 (S. 2296), Housing Amendments incorporating S. 2651 (ROAD to Housing Act of 2025). Clean Air and Water (quality): Waters of the U.S. Rule (WOTUS)-EPA Proposed Rule on WOTUS Definition Promoting Efficient Review for Modern Infrastructure Today (PERMIT) Act, all provisions (H.R. 3898). Land Use and Permitting Reform. Energy/Nuclear: Building Codes / Building Performance Standards / DOE Building Codes Program, deregulation and impacts on housing affordability. DOE Appliance Efficiency Standards, deregulatory efforts on proposed or final rules on essential home appliances and equipment. ENERGY STAR Program, preservation and funding Electrification / Fuel Switching Climate Change / Sustainability Home Appliance Protection and Affordability Act or Don't Mess With My Home Appliances Act, all provisions (H.R. 4626) Environment/Superfund: Building Codes / Resiliency Climate Change Lead in Housing Transportation: Department of Transportation Infrastructure Finance and Innovation Act (TIFIA) Program. H.R. 3548, Infrastructure Expansion Act of 2025, to preclude absolute liability in any action against a property owner or contractor for projects receiving Federal financial assistance for infrastructure and transportation development, and for other purposes, all provisions. H.R. 8870, Building Unrivaled Infrastructure and Long-term Development for America's 250th Act (Build America 250 Act), to authorize funding for Federal-aid highways, bridge construction and rehabilitation, highway safety programs, transit programs, and rail programs, and for other purposes, Sec. 2001: Infrastructure Finance. Unlocking Affordable Housing Act, (H.R. 6228) Build Housing, Unlock Benefits and Services Act (Build HUBS Act), all provisions. (S. 3636 / H.R. 7062) Department of Transportation, Office of the Secretary of Transportation, Notice of Availability of Proposed Guidance for Preferred Loan Sizing for Transit-Oriented Development Projects Under the Railroad Rehabilitation and Improvement Financing Program and Transportation Infrastructure Finance and Innovation Act Program, Docket No. DOT-OST-2026-1487, 91 FR 21871, 2026-07981, RIN 2105-ZA51.

Government entities reported: HOUSE OF REPRESENTATIVES Internal Revenue Service (IRS) Natl Economic Council (NEC) SENATE Council of Economic Advisers (CEA) Executive Office of the President (EOP) Federal Housing Finance Agency (FHFA) Federal Trade Commission (FTC) Housing & Urban Development, Dept of (HUD) Justice, Dept of (DOJ) Office of Management & Budget (OMB) Labor, Dept of (DOL) Federal Deposit Insurance Corporation (FDIC) Federal Reserve System Government Accountability Office (GAO) Treasury, Dept of Federal Communications Commission (FCC) Environmental Protection Agency (EPA) Energy, Dept of

Reported filing-period amount: $2,330,000

This is the amount reported for the filing/reporting period and should not be interpreted as money spent lobbying this bill alone.

View official LDA filing ↗

INDEPENDENT COMMUNITY BANKERS OF AMERICA

Registrant: INDEPENDENT COMMUNITY BANKERS OF AMERICA

2nd Quarter (Apr 1 - June 30)
Jul 16, 2026

Reported lobbying issue

Agriculture: H.R. 1822 The ACRE Act H.R. 3633, the CLARITY Act H.R. 7567 The Farm, Food, and National Security Act of 2026 S. 838 The ACRE Act Digital assets Guidance under Section 139L of the One Big Beautiful Bill Act Opposition to Farm Credit System Provisions USDA Guaranteed Farm Loan Programs Banking: H.R. 478 The Promoting New Bank Formation Act H.R. 940 The FAIR Exams Act H.R. 941 The Small LENDER Act H.R. 976 The 1071 Repeal to Protect Small Business Lending Act H.R. 1606 Making the CFPB Accountable to Small Businesses Act H.R. 2152 The AI PLAN Act H.R. 2978 The GUARD Act H.R. 2835 The Small Bank Holding Company Relief Act H.R. 2885 The Bank Loan Privacy Act H.R. 3234 Reciprocal Deposits H.R. 3380 TAILOR Act of 2025 H.R. 3390 Bringing the Discount Window into the 21st Century Act H.R. 3446 FDIC Board Accountability Act- Rep. Huizenga H.R. 3633 The CLARITY Act H.R. 3709 Advancing the Mentor-Protege Program for Small Financial Institutions Act H.R. 4437 SMART Act H.R. 4478 TRUST Act H.R. 4544 The American Access to Banking Act H.R. 4551 The Employee Paycheck and Small Business Protection Act H.R. 5276 The Community Bank LIFT Act H.R. 5291 The Merchant Banking Modernization Act H.R. 5317 The Community Bank Deposit Access Act of 2025 H.R. 6547 The Least Cost Exception Act H.R. 6552 The Bank-Fintech Partnership Enhancement Act (Rep. Andy Barr) H.R. 6554 The Community Bank Representation Act (Rep. Monica De La Cruz) H.R. 6555 The Enhancing Bank Resolution Participation Act H.R. 6556 The Failing Bank Acquisitions Fairness Act H.R. 6955 Main Street Capital Access Act H.R. 7056 Community Bank Regulatory Tailoring Act H.R. 7548 The SCAM Act H.R. 8071 Fair Exams Act H.R. 8075 Emergency Transaction Account Guarantee Program H.R. 8087 Main Street Depositor Protection Act H.R. 8088 Growing Deposit Insurance for the Future Act H.R. 8278 The Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision Act H.R. 8671 The Bank Fraud Technology Advancement Act H.R. 9331 the Strengthening Transaction Oversight and Preventing (STOP) Payments Fraud Act S. 113 The Promoting New Bank Formation Act S. 427 The TAILOR Act S. 557 The 1071 Repeal to Protect Small Business Lending Act S. 2663 Merchant Banking Modernization Act S. 2704 CDFI Fund Transparency Act S. 2999 Main Street Depositor Protection Act S. 3774 The SCAM Act S. 3830 TRUST Act S 4182 The FARM Act Housing Expansion Artificial Intelligence CFPB 1033 Rule Community Bank Access to Capital Credit Card Competition Act Credit Union Acquisitions of Community Banks Credit Union Field of Membership Rules Critical Infrastructure Protection Cybersecurity Data Privacy De Novo Bank Formation Deposit Insurance Digital Assets Regulation EGRPRA Review Executive Order 14406: Restoring Integrity to Americas Financial System Executive Order 14409: Promoting Advanced Artificial Intelligence Innovation and Security Form 990 Initiative Fraud and Scams National Trust Bank Charter Rules and Applications Regulatory Relief Stablecoin Regulation Support for Kevin Warsh for Federal Reserve Board Chairman The Growing Deposit Insurance for the Future Act Housing: H.R. 6644 ROAD to Housing Act of 2025 S. 1467 Homebuyers Privacy Protection Act S. 2651 ROAD to Housing Act of 2025 Housing Finance Reform GSE Reform Taxation/Internal Revenue Code: H.R. 1 One Big Beautiful Bill Act. (tax provisions) H.R. 1822 ACRE Act S. 838 ACRE Act Applying IRS Form 990 to Federal Credit Unions Implementation of Section 139L of H.R. 1

Government entities reported: Agriculture, Dept of (USDA) HOUSE OF REPRESENTATIVES SENATE Consumer Financial Protection Bureau (CFPB) Executive Office of the President (EOP) Federal Deposit Insurance Corporation (FDIC) Federal Housing Finance Agency (FHFA) Federal Reserve System Homeland Security, Dept of (DHS) Office of the Comptroller of the Currency (OCC) Treasury, Dept of White House Office Internal Revenue Service (IRS)

Reported filing-period amount: $2,170,000

This is the amount reported for the filing/reporting period and should not be interpreted as money spent lobbying this bill alone.

View official LDA filing ↗
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