American Family Insurance Group
Registered Principal Details
Business Or Interest:
Insurance: Property, casualty, life and financial services.
Lobbying Interests:
Insurance legislation and regulation: property/casualty/life insurance issues, taxes, drones, home automation and employer related issues.
CEO Name:
Jack Salzwedel
State Government Affairs Director
Insurance: Property, casualty, life and financial services.
Lobbying Interests:
Insurance legislation and regulation: property/casualty/life insurance issues, taxes, drones, home automation and employer related issues.
CEO Name:
Jack Salzwedel
State Government Affairs Director
Contact
MG
Monica Groves
6000 American Pkwy
Madison, WI 53783
(608) 249-2111
(608) 245-8619
mgroves@amfam.com
http://www.amfam.com
6000 American Pkwy
Madison, WI 53783
(608) 249-2111
(608) 245-8619
mgroves@amfam.com
http://www.amfam.com
Authorized Lobbyists
| Lobbyist Name | Exclusive Duties | Authorized On | Withdrawn On |
|---|---|---|---|
| Jessica D Alanis | Exclusive Duties Yes | Authorized On 3/11/2019 | Withdrawn On N/A |
| Monica Groves | Exclusive Duties Yes | Authorized On 3/11/2019 | Withdrawn On N/A |
Lobbying Interests
Legislative Bills/Resolutions
Assembly Bill 225
Relating to: allocation of early stage seed investment credit to offset taxes imposed on insurers. (FE)
Bill Text and History
9/13/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Relating to: allocation of early stage seed investment credit to offset taxes imposed on insurers. (FE)
Bill Text and History
For
Notification Date9/13/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Assembly Bill 233
Relating to: charging facility grant program and making an appropriation. (FE)
Bill Text and History
6/3/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Relating to: charging facility grant program and making an appropriation. (FE)
Bill Text and History
Other
Notification Date6/3/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Assembly Bill 305
Relating to: notice of change in terms or premium amount for insurance policy renewal.
Bill Text and History
7/12/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Relating to: notice of change in terms or premium amount for insurance policy renewal.
Bill Text and History
For
Notification Date7/12/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Assembly Bill 345
Relating to: immunity for motor vehicle sellers.
Bill Text and History
9/13/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Relating to: immunity for motor vehicle sellers.
Bill Text and History
For
Notification Date9/13/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Assembly Bill 357
Relating to: regulation of public adjusters and granting rule-making authority. (FE)
Bill Text and History
2019 Wisconsin Act 129
9/13/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Relating to: regulation of public adjusters and granting rule-making authority. (FE)
Bill Text and History
2019 Wisconsin Act 129
For
Notification Date9/13/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Assembly Bill 819
Relating to: imposing requirements related to insurance data cybersecurity and granting rule-making authority. (FE)
Bill Text and History
2/3/2020
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Relating to: imposing requirements related to insurance data cybersecurity and granting rule-making authority. (FE)
Bill Text and History
For
Notification Date2/3/2020
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Assembly Bill 870
Relating to: consumer access to personal data processed by a controller and providing a penalty.
Bill Text and History
2/11/2020
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Relating to: consumer access to personal data processed by a controller and providing a penalty.
Bill Text and History
None
Notification Date2/11/2020
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Assembly Bill 871
Relating to: deletion of consumer personal data by controllers and providing a penalty.
Bill Text and History
2/11/2020
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Relating to: deletion of consumer personal data by controllers and providing a penalty.
Bill Text and History
None
Notification Date2/11/2020
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Assembly Bill 872
Relating to: restricting controllers from using consumer personal data and providing a penalty.
Bill Text and History
2/11/2020
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Relating to: restricting controllers from using consumer personal data and providing a penalty.
Bill Text and History
None
Notification Date2/11/2020
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Senate Bill 41
Relating to: civil cause of action for financial exploitation. (FE)
Bill Text and History
3/10/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Relating to: civil cause of action for financial exploitation. (FE)
Bill Text and History
Against
Notification Date3/10/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Senate Bill 131
Relating to: self-insurance by religious sects for purposes of motor vehicle financial responsibility and liability insurance requirements. (FE)
Bill Text and History
7/14/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Relating to: self-insurance by religious sects for purposes of motor vehicle financial responsibility and liability insurance requirements. (FE)
Bill Text and History
None
Notification Date7/14/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Senate Bill 289
Relating to: notice of change in terms or premium amount for insurance policy renewal.
Bill Text and History
2019 Wisconsin Act 155
7/12/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Relating to: notice of change in terms or premium amount for insurance policy renewal.
Bill Text and History
2019 Wisconsin Act 155
For
Notification Date7/12/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Senate Bill 320
Relating to: evidence of ownership for purposes of obtaining certain motor vehicle certificates of title. (FE)
Bill Text and History
2019 Wisconsin Act 53
7/12/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Relating to: evidence of ownership for purposes of obtaining certain motor vehicle certificates of title. (FE)
Bill Text and History
2019 Wisconsin Act 53
For
Notification Date7/12/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Senate Bill 329
Relating to: regulation of public adjusters and granting rule-making authority. (FE)
Bill Text and History
9/13/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Relating to: regulation of public adjusters and granting rule-making authority. (FE)
Bill Text and History
For
Notification Date9/13/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Senate Bill 482
Relating to: various changes to insurance laws.
Bill Text and History
2019 Wisconsin Act 66
10/15/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Relating to: various changes to insurance laws.
Bill Text and History
2019 Wisconsin Act 66
For
Notification Date10/15/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Senate Bill 784
Relating to: imposing requirements related to insurance data cybersecurity and granting rule-making authority. (FE)
Bill Text and History
2/13/2020
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Relating to: imposing requirements related to insurance data cybersecurity and granting rule-making authority. (FE)
Bill Text and History
For
Notification Date2/13/2020
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Budget Bill Subjects
Biennial budget bill treatment of matter relating to
Administration: Departmentwide
Administration: Departmentwide
Notification Date
3/10/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
3/10/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Biennial budget bill treatment of matter relating to
Insurance: Departmentwide
Insurance: Departmentwide
Notification Date
3/10/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
3/10/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Biennial budget bill treatment of matter relating to
Transportation: Departmentwide
Transportation: Departmentwide
Notification Date
3/10/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
3/10/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Biennial budget bill treatment of matter relating to
Workforce Development: Departmentwide
Workforce Development: Departmentwide
Notification Date
3/10/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
3/10/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Administrative Rulemaking Proceedings
The repeal of restrictions related to the allocation of dividends to participating life insurance policies issued by a stock company, rating practices for exceeding filed rate for substandard risks, and revisions to the definition of Investment Terms, limi...
Agency Name
Office of the Commissioner of Insurance (Ins)
Subject
The repeal of restrictions related to the allocation of dividends to participating life insurance policies issued by a stock company, rating practices for exceeding filed rate for substandard risks, and revisions to the definition of Investment Terms, limi...
Scope Statement
SS 031_19
2/14/2020
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Office of the Commissioner of Insurance (Ins)
Subject
The repeal of restrictions related to the allocation of dividends to participating life insurance policies issued by a stock company, rating practices for exceeding filed rate for substandard risks, and revisions to the definition of Investment Terms, limi...
Scope Statement
SS 031_19
Other
Notification Date2/14/2020
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Topics Not Yet Assigned A Bill Or Rule Number
Development, drafting or introduction of a proposal relating to
State of Wisconsin response to COVID-19 as it relates to property and casualty insurance.
State of Wisconsin response to COVID-19 as it relates to property and casualty insurance.
Action Intended To Affect
Both Legislative matter and rule
Notification Date
3/26/2020
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Both Legislative matter and rule
Notification Date
3/26/2020
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Development, drafting or introduction of a proposal relating to
Office of the Commissioner of Insurance Cabinet appointment
Office of the Commissioner of Insurance Cabinet appointment
Action Intended To Affect
Legislative matter
Notification Date
9/13/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Legislative matter
Notification Date
9/13/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Development, drafting or introduction of a proposal relating to
Wisconsin Economic Development Corporation
Wisconsin Economic Development Corporation
Action Intended To Affect
Both Legislative matter and rule
Notification Date
7/12/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Both Legislative matter and rule
Notification Date
7/12/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Development, drafting or introduction of a proposal relating to
Raze Orders
Raze Orders
Action Intended To Affect
Both Legislative matter and rule
Notification Date
6/28/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Both Legislative matter and rule
Notification Date
6/28/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Development, drafting or introduction of a proposal relating to
Agent Licensing Fees
Agent Licensing Fees
Action Intended To Affect
Both Legislative matter and rule
Notification Date
3/10/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Both Legislative matter and rule
Notification Date
3/10/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Development, drafting or introduction of a proposal relating to
Advance Pay for Salvage Title
Advance Pay for Salvage Title
Action Intended To Affect
Both Legislative matter and rule
Notification Date
3/10/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Both Legislative matter and rule
Notification Date
3/10/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Development, drafting or introduction of a proposal relating to
Corporate Governance
Corporate Governance
Action Intended To Affect
Both Legislative matter and rule
Notification Date
3/10/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Both Legislative matter and rule
Notification Date
3/10/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Development, drafting or introduction of a proposal relating to
Civil Justice Reform
Civil Justice Reform
Action Intended To Affect
Both Legislative matter and rule
Notification Date
1/30/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Both Legislative matter and rule
Notification Date
1/30/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Development, drafting or introduction of a proposal relating to
Cyber Security
Cyber Security
Action Intended To Affect
Both Legislative matter and rule
Notification Date
1/30/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Both Legislative matter and rule
Notification Date
1/30/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Development, drafting or introduction of a proposal relating to
Access to Data
Access to Data
Action Intended To Affect
Both Legislative matter and rule
Notification Date
1/30/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Both Legislative matter and rule
Notification Date
1/30/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Development, drafting or introduction of a proposal relating to
Autonomous Vehicles
Autonomous Vehicles
Action Intended To Affect
Both Legislative matter and rule
Notification Date
1/30/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Both Legislative matter and rule
Notification Date
1/30/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Development, drafting or introduction of a proposal relating to
Property and Casualty Insurance Underwriting
Property and Casualty Insurance Underwriting
Action Intended To Affect
Both Legislative matter and rule
Notification Date
1/30/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Both Legislative matter and rule
Notification Date
1/30/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Development, drafting or introduction of a proposal relating to
Public Adjuster Licensing
Public Adjuster Licensing
Action Intended To Affect
Both Legislative matter and rule
Notification Date
1/30/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Both Legislative matter and rule
Notification Date
1/30/2019
First Communication Date
N/A
Communication Information
The principal, a lobbyist authorized by the principal, or another individual acting on behalf of the principal do not intend to communicate on this matter.
Total Lobbying Effort
| 2019 January - June |
2019 July - December |
2020 January - June |
2020 July - December |
Total | |
|---|---|---|---|---|---|
| Total Lobbying Expenditures | 2019 January - June $8,738.41 |
2019 July - December $12,523.53 |
2020 January - June $8,993.78 |
2020 July - December $12,728.44 |
Total $42,984.16 |
| Total Hours Communicating | 2019 January - June 26.50 |
2019 July - December 42.25 |
2020 January - June 23.00 |
2020 July - December 32.50 |
Total 124.25 |
| Total Hours Other | 2019 January - June 73.90 |
2019 July - December 100.75 |
2020 January - June 88.25 |
2020 July - December 58.50 |
Total 321.40 |
Percent Allocation of Lobbying Effort
Legislative Bills/Resolutions
Relating to: notice of change in terms or premium amount for insurance policy renewal.
| 2019 January - June |
2019 July - December |
2020 January - June |
2020 July - December |
Total |
|---|---|---|---|---|
| 2019 January - June 5% |
2019 July - December 5% |
2020 January - June 5% |
2020 July - December |
Total 4% |
Relating to: evidence of ownership for purposes of obtaining certain motor vehicle certificates of title. (FE)
| 2019 January - June |
2019 July - December |
2020 January - June |
2020 July - December |
Total |
|---|---|---|---|---|
| 2019 January - June |
2019 July - December 5% |
2020 January - June 5% |
2020 July - December |
Total 3% |
Relating to: various changes to insurance laws.
| 2019 January - June |
2019 July - December |
2020 January - June |
2020 July - December |
Total |
|---|---|---|---|---|
| 2019 January - June |
2019 July - December 5% |
2020 January - June 5% |
2020 July - December |
Total 3% |
Relating to: regulation of public adjusters and granting rule-making authority. (FE)
| 2019 January - June |
2019 July - December |
2020 January - June |
2020 July - December |
Total |
|---|---|---|---|---|
| 2019 January - June |
2019 July - December 15% |
2020 January - June 15% |
2020 July - December |
Total 9% |
Relating to: imposing requirements related to insurance data cybersecurity and granting rule-making authority. (FE)
| 2019 January - June |
2019 July - December |
2020 January - June |
2020 July - December |
Total |
|---|---|---|---|---|
| 2019 January - June |
2019 July - December |
2020 January - June 7% |
2020 July - December |
Total 2% |
Budget Bill Subjects
No budget bill subjects found.
Administrative Rulemaking Proceedings
No administrative rulemaking proceedings found.
Topics Not Yet Assigned A Bill Or Rule Number
| 2019 January - June |
2019 July - December |
2020 January - June |
2020 July - December |
Total |
|---|---|---|---|---|
| 2019 January - June 5% |
2019 July - December |
2020 January - June 5% |
2020 July - December 10% |
Total 4% |
| 2019 January - June |
2019 July - December |
2020 January - June |
2020 July - December |
Total |
|---|---|---|---|---|
| 2019 January - June 5% |
2019 July - December 5% |
2020 January - June 5% |
2020 July - December 5% |
Total 5% |
| 2019 January - June |
2019 July - December |
2020 January - June |
2020 July - December |
Total |
|---|---|---|---|---|
| 2019 January - June 5% |
2019 July - December |
2020 January - June |
2020 July - December |
Total 1% |
| 2019 January - June |
2019 July - December |
2020 January - June |
2020 July - December |
Total |
|---|---|---|---|---|
| 2019 January - June 15% |
2019 July - December |
2020 January - June |
2020 July - December |
Total 3% |
| 2019 January - June |
2019 July - December |
2020 January - June |
2020 July - December |
Total |
|---|---|---|---|---|
| 2019 January - June |
2019 July - December |
2020 January - June |
2020 July - December 40% |
Total 8% |
Minor Efforts
(Time spent on matters each of which accounted for less than 10% of the organization's lobbying.)
Other Matters
Includes time spent on:
- Gubernatorial nominations
- Matters on which the organization made no lobbying communication