{"database": "lobbying", "table": "lobbying_activities", "rows": [[1227995, "9f7ae36b-134e-4a49-9d08-0a49bb664f04", "Q1", "COMMUNITY BANKERS ASSOCIATION OF ILLINOIS", 400531588, "COMMUNITY BANKERS ASSOCIATION OF ILLINOIS", 2012, "first_quarter", "BAN", "Rein in Significantly Important Financial institution (SIFI) with focused regulation including higher capital and liquidity requirements\nShield community banks from the Dodd-Frank required increase in the deposit insurance fund reserve ratio from 1.15% to 1.35%\nConsumer Financial Protection  focus on too-big-to-fail banks and financial firms and shadow financial industry, high standards for      \nconsumer compliance required of community banks, accommodation of community banks in serving the needs of their customers, broad definition of covered person,  consolidation of RESPA and TILA forms, regulatory compliance and increased regulatory burden, and regulatory relief \n\nEnsure the small debit card issuer exemption in the Dodd-Frank (Durbin Amendment) is working to protect community banks\n\nDownsizing too-big-to-fail banks over a five-years and the regulation of too-big-to-fail banks and financial firms and the shadow financial industry, separation of banking and commerce, expansion of the Volker Rule and restoration of Glass-Steagall Act\n\nOverzealous bank regulatory examinations  regulator, senior management, and examiner attitudes and practices, treatment of Commercial Real Estate, excessive write-downs, arbitrary capital requirements, public enforcement actions, reform the appellate process, and community bank closures\n\nTiered regulation and supervision for community banks\n\nAccounting changes  FASB proposed fair value disclosures requiring parenthetical disclosures for all financial instruments carried at amortized cost, PCBOA proposal to expand the scope of the independent accountant during the audit and mandatory auditor rotation, amortizing commercial real estate losses over 10 years for regulatory capital purposes\n\nSecondary mortgage lending reforms  curb imprudent lending practices without impacting responsible lenders and loan products designed to meet the diverse needs of community bank customers and their communities\n\nReform of the housing GSEs - community bank access to a strong, impartial secondary market for residential loans that is financially strong and reliable, privately capitalized cooperative entities with limited mission\n\nExpansion of the Farm Credit System, Rural Community Investments proposal, focus on wholesale funding for community banks and providing correspondent services rather than direct retail competition with community banks\n\nEquitable capital rules which do not disadvantage community banks, higher capital and liquidity requirements for SIFIs, inclusion of accumulated and other comprehensive income in calculation of Tier 1 regulatory capital, and elimination of the 1.25% Allowance for Loan and Lease losses disallowance for regulatory capital purposes)\n\nOverdraft programs  uncoordinated regulatory response, address proposed risks with specific banks in the context of the regulatory examination, defer to CFPB\n\nMaintain the Federal Home Loan Bank System and preserve their special functions and purposes\n\nPermanent closing of the ILC loophole\n\nFairly compensate Fannie and Freddie preferred shareholders by restoring the share value and dividends\n\nH.R. 1697 (and S. 1600) - Communities First Act (Community bank regulatory and tax relief) (all sections)\n\nH.R. 1418 (and S. 509  renumbered in the Senate to S. 2231) - Small Business Lending Enhancement Act of 2011 (Expansion of credit unions member business lending powers) (all sections)\n\nH.R. 3993  Capital Access for Small Business and Jobs Act (Credit union access to outside capital) (all sections)\n\nH.R. 3461 (and 2160)  Financial institutions Examination Fairness Act (To improve the examination of depository institutions) (all sections)\n\nH.R. 1365  Capital Access for Main Street Act of 2011 (loan loss amortization) (all sections)\n\nFive-year extension of the Transaction Account Guarantee (TAG) program Presidents FY2013 budget request - $61billion fee the largest banks will be assessed to pay for their role in the financial crisis\n\nComment Letter to the U.S. Department of Agriculture regarding the USDAs Rural Business-Cooperative Services interim final rule on Rural Business Investment Companies  RIN: 0570-AA80\n\nComment Letter to the Federal Housing Finance Agency (RIN 2590-AA38) regarding the Agencys proposed rule to amend the community support regulation to require the Federal Home Loan Banks, as opposed to the FHFA, to monitor and assess the eligibility of each FHLBank member for access to long-term advances through compliance with the Community Reinvestment Act of 1977 and first-time homebuyer standards\n\nComment letter to the Board of Governors of the Federal Reserve System (Docket No. 2011-1432 and RIN 7100-AD82), Federal Deposit Insurance Corporation, Treasury/Office of Comptroller of the Currency, and the Securities and Exchange Commission regarding the implementation of Section 619 of the Dodd-Frank Wall Street Reform Act which contains certain prohibitions and restrictions on the ability of a banking entity and nonbank finance companies supervised by the board to engage in propriety trading and have certain interests in, and relationships with, hedge funds and private equity funds\n\nComment letter to the Treasury/Consumer Financial Protection Bureau (Docket No. CFPB-2012-0010 and RIN: 3170-AA20) proposed rule regarding the confidential treatment of privileged information obtained from persons in connection with its exercise of authority under Federal consumer financial law\n \nIncreasing conforming loan limits in the sub-areas of the Chicago metropolitan statistical area (MSA) or in the MSA as a whole\n\nH.R. 3606  Jumpstart Our Business Startups Act (SEC thresholds for registration and deregistration (H.R. 2167 (H.R. 1965) and H.R. 4088) (also H.R. 1070, H.R. 2930 and H.R. 2940)", "Agriculture, Dept of (USDA),Federal Deposit Insurance Corporation (FDIC),Federal Housing Finance Agency (FHFA),Federal Reserve System,HOUSE OF REPRESENTATIVES,Securities & Exchange Commission (SEC),SENATE,Treasury, Dept of", null, 50000, 0, 0, "2012-04-16T13:54:02.650000-04:00"]], "columns": ["id", "filing_uuid", "filing_type", "registrant_name", "registrant_id", "client_name", "filing_year", "filing_period", "issue_code", "specific_issues", "government_entities", "income_amount", "expense_amount", "is_no_activity", "is_termination", "received_date"], "primary_keys": ["id"], "primary_key_values": ["1227995"], "units": {}, "query_ms": 0.4535240004770458, "source": "Federal Register API & Regulations.gov API", "source_url": "https://www.federalregister.gov/developers/api/v1", "license": "Public Domain (U.S. Government data)", "license_url": "https://www.regulations.gov/faq"}