T H E VO I C E A N D R E S O U R C E F O R I O WA ’ S F U E L I N D U S T R Y
2026 IOWA LEGISLATIVE SESSION
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FUELING IOWA'S FUTURE
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ASSESSING POLLUTION LIABILITY
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VOLUME 80, NO.6 2025 NOV / DEC
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FE ATUR E S
ON THE COVER
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2026 IOWA LEGISLATIVE SESSION
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BOARD BALLOT
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ASSESSING POLLUTION LIABILITY
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JET GAS
WINTER IN IOWA
IN TH IS IS S UE 24
SPONSORSHIP AND ADVERTISING
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INSIDE THE BELTWAY
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UPCOMING EVENTS
WHAT' S I N THI S I S S UE
Gary
This issue is packed with stories of progress and innovation across FUELIowa. Chair Tessa Anderson highlights our theme of continuous improvement—celebrating the outstanding renewal of the HEALTHAlliance member health plan, the new two-day UMCS Show format in St. Paul, and the launch of our Regional Legislative Roundtables and revamped committees shaping 2026 priorities. You’ll also find important federal updates from the Energy Marketers of America (EMA), and a can’t-miss 2026 Legislative Session Preview—so you’re ready to engage, help
10430 New York Ave Suite F Urbandale, IA 50322 p (515) 224-7545 f (515) 224-0502 info@FUELIowa.com www.FUELIowa.com 2
shape our legislative priorities, and be part of our Grassroots Advocacy plan. Exciting things are happening at FUELIowa!
M E S S AGE FROM TH E C HAIR Dear FUELIowa Members,
As we wrap up 2025, I’m proud of the progress our industry continues to make despite
EXECUTI VE COM M I TTEE
ongoing regulatory and economic challenges. Your engagement this year—whether through roundtables, committees, or direct advocacy—has strengthened our unified voice and ensured FUELIowa remains focused on the issues that matter most. From E15 implementation to swipe-fee reform to tax policy, your input drives our work and our
Tessa Anderson Chair Rainbo Oil Dubuque 563 - 526-1179
mission.
We’re also entering 2026 with significant momentum. HEALTHAlliance continues to deliver outstanding stability and savings for more than 75 member companies, proving the power of collective strength. UMCS is expanding to a new two-day format, giving
Nate Lincoln Vice Chair Lincoln Farm & Home Service LLC Glenwood 712-527-4833
attendees and exhibitors more time for education, networking, and business development. And our grassroots advocacy efforts are increasing as we prepare for a legislative session full of decisions that will impact your margins, operations, and longterm competitiveness.
Jason Stauffer Treasurer NEWCENTURY FS Ames 515-370-3127
Thank you for your continued trust and commitment. Together, we will continue to fuel innovation, strengthen our industry, and ensure Iowa’s retail and energy sectors remain strong in the year ahead.
Keith Olsen Immediate Past Chair Olsen Fuel Supply Atlantic 712-243-2340
Together we FUELIowa
Tessa B O A RD OF DI RECT OR S Chad Besch Director NEW Cooperative Algona | 515-295-2741
Cara Ingle Associate Director Unified Contracting Services Des Moines | 515-266-5700
Scott Moore Director Western Oil, Inc Omaha | 402-618-2238
Don Burd Director Otter Creek Country Store Cedar Rapids | 319-533-1825
Dennis Jaeger Director Molo Petroleum Dubuque | 563-845-8359
Scott Richardson Director Key Cooperative Roland | 515-291-0623
Kathy Gunlock Associate Director Core-Mark Midcontinent, Inc. DBA Farner-Bocken Carroll | 531-777-6104
Brett Kimmes Director Kimmes Country Stores Carroll | 712-775-2202
Nate Stumpf Director HTP Energy Onalaska, WI | 608-779-6624
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Ed Rogers Associate Director Midwest Petroleum Equipment Des Moines | 515-330-2959
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Update for FUELIowa Members 2026 Iowa Legislative Session Priorities
By John Maynes, President, Government Affairs, FUELIowa
As the 2026 Iowa Legislative Session approaches, FUELIowa’s advocacy team is focused on defending our members’ bottom lines and preserving the conditions that keep Iowa fuel retailers and fuel marketers competitive. Below is an update outlining our top priorities for the session, as reviewed by the FUELIowa Board of Directors, summarizing why each issue matters to your business, what bills or policy efforts you should know about, and how you can help.
1) Creditcard swipe fee reform — leveling the playing field
Swipe (merchant) fees remain a significant cost for every convenience store and fuel retailer. Many FUELIowa members have shared swipe fees as their second highest operating expense behind labor. FUELIowa supports reasonable
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state level reform that exempts state sales tax and state excise tax within a transaction from the computation of interchange fees due by a merchant accepting cards. At the federal level, proposals such as the Credit Card Competition Act and ongoing congressional attention to routing and fee transparency shape the environment our members face, and we’re tracking both state and federal developments because they directly affect processing costs for Iowa retailers. With a Congressional stalemate in place on the federal level surrounding swipe fee reform, merchant focused groups like the Iowa Grocers and FUELIowa are seeking state-centric solutions to swipe fee reform. Why it matters: Even small reductions in per-transaction fees translate to meaningful annual savings when you process thousands of purchases a month. Globally, Iowa merchants pay $958 million annually in interchange fees to banks for the right to accept card payments. More narrowly, Iowa fuel retailers and fuel marketers pay $150 million in interchange fees on the purchase of motor fuel alone, which includes the assessment of interchange fees on the portion of the transaction representing motor fuel excise tax. Stated another way, banks are profiting from fuel retailers and fuel marketers who serve as a tax collection agent for the state and provide tremendous efficiency and cost savings for state government.
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2) Class E liquor- 3) Commercial license reform property— sensible tax reform movement — protecting of inventory operating under common margins Property taxes are squarely on the ownership statewide agenda. Recently, Iowa FUELIowa is backing changes to Iowa’s alcoholic beverage control oversight to allow Class E licensees operating multiple Class E licensed locations under common ownership to move bottled liquor and spirits between locations while avoiding unnecessary red tape. The idea to address reform allowing Class E licensees to freely move product store to store if under the same ownership umbrella is an idea generated out of FUELIowa’s Retail Committee.
Why it matters: Many members run tightly managed inventory systems. Allowing transfers between commonly owned sites reduces waste, lowers logistical costs, addresses inventory concerns, and creates a more attractive environment for rural convenience stores to participate in the sale of liquor while providing new product offerings to their patrons — all without expanding retail outlets or changing the regulatory footprint of liquor sales.
Governor Kim Reynolds has weighed in stating that property tax reform is high on her 2026 agenda. Iowa leaders have repeatedly signaled a willingness to overhaul how property is taxed and how local revenues are capped or directed; broad reform proposals were central to 2025 debates and remain a priority for lawmakers heading into 2026. FUELIowa supports reforms that bring predictability and fairness for commercial property owners and that avoid unintended consequences for local services that retailers depend on. FUELIowa also supports a rebalancing of the appeals process involving taxpayers and assessors. FUELIowa believes balancing the burden of proof required in an appeal before the state Property Assessment Appeals Board (PAAB) or in District Court is necessary to curtail leverage tactics employed by Assessors and curb rising property valuations. Why it matters: Fuel retailers and fuel marketers operate on thin margins. Some may say they do business in the most transparent commodity market in the world. Rising commercial property taxes increase fixed costs and can pressure already fragile retail economics — especially for smaller, single-site operators. FUELIowa will advocate measures that restrain large, unpredictable 5
tax shifts while protecting essential local services. Keep an ear out for conversations centered on state revenue. The state budget and expected revenues will have a major impact on the type of property tax reform lawmakers are able to deliver in the 2026 Iowa Legislative Session.
4) Opposing excise taxes on traditional tobacco and alternative nicotine products
During the 2025–26 cycle, multiple concepts have been introduced that would impose new excise taxes on nicotine pouches and vaping products (specific perpouch and per-unit taxes have been proposed). FUELIowa opposes new excise taxes on traditional tobacco and reducedharm alternative nicotine products — including nicotine pouches — because such taxes create administrative burdwens, erode legal in-store sales, and encourage the purchase of products through illicit channels or bootlegging. Why it matters: Tobacco and alternative nicotine products are high-margin items for
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many locations and consumer demand for the category is growing. Paired with the reduced harm designation provided to alternative nicotine products by the U.S. Food and Drug Administration, new excise taxes would increase prices to consumers, reduce demand, and shift purchasing patterns (often toward out-of-state or illicit sources), harming legitimate Iowa retailers.
5) Opposing motor-fuel excise tax increases and indexing
FUELIowa is wary of a legislative effort to raise motor-fuel excise tax rates or to create automatic indexing mechanisms that effectively enable perpetual, formulaic tax increases outside of public view. Our position is that any change to fuel excise policy must be deliberate, transparent, and take into consideration the impact on consumer fuel prices, border retailer competitiveness, and its impact on the cost of doing business in Iowa, including higher costs placed on fuel retailers through inventory and
swipe fees as retailers continue to serve as tax collectors for the state. Why it matters: Fuel taxes are collected and remitted by fuel retailers, passed on to customers at the pump, and can dramatically affect consumer behavior and retailer cash flows. Indexing establishes a pathway to recurring increases without public input or yearly legislative debate — a structural risk for retailers and members of the general public that depend on price stability and predictable margins.
How FUELIowa will advance these priorities
• Direct lobbying and bill tracking: Our government relations team will engage legislators, testify where appropriate, and follow bill language closely to protect members’ interests. (You can track specific bills via our advocacy updates ` in our weekly FUELInsider) • Coalition building: We’ll partner with other business groups and trade associations where interests align — particularly on property-tax and swipe-fee issues — to amplify our message. • Member mobilization: Grassroots contact from local retailers matters. We’ll send timely action alerts when we need members to call, email, or visit lawmakers.
What you can do right now 1. Stay informed. Sign up for FUELIowa alerts and read our legislative updates so you receive action requests immediately. 2. Contact Us. Reach out to your staff and share your feedback on these items and more. 3. Talk to your legislator. A short, personal message about how a proposed tax or regulatory change would affect your store is powerful. Building a relationship can be pay dividends for years.
2026 will be a consequential session for matters that touch every fuel retailer and fuel marketer bottom line: payment processing costs, inventory flexibility for alcohol, property taxes, nicotine taxation, and fuel excise policy. FUELIowa will stay laser-focused on pragmatic solutions that preserve competitiveness and reduce unnecessary regulatory and tax burdens. We need your voice in this work — the combination of association advocacy and direct member stories is what changes outcomes. Together, we FUELIowa.
4. Provide real examples. Share short anecdotes or numbers (e.g., how much you pay in card fees monthly, or how property tax volatility affects your planning) these concrete details shape persuasive testimony.
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F UEL I NG IOWA ’S FUT U RE WHY Y O U R V O TE IN F U EL I O WA B OA RD E LE C TIO N S M AT T ER S
By Gary Koerner & Sarah Bowman
As the FUELIowa Board election approaches, now is the time for members to engage, cast their votes, and help steer the course of Iowa’s fuel industry. While board elections may seem like routine internal business, their impact extends far beyond the boardroom—shaping advocacy, organizational strength, and the long-term direction of FUELIowa. This year’s slate is strengthened even further by thoughtful updates to board composition guidelines and the dedicated work of our nominating committees. Together, these efforts ensure that members can elect the strongest leaders from every corner of Iowa’s fuel landscape. Here’s why your vote matters. 1. Shaping Industry Advocacy & Policy FUELIowa is more than a trade association—it’s the unified voice of the state’s fuel industry. The Board of Directors guides the strategic direction of that voice: setting priorities, determining advocacy efforts, and influencing how the organization
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supports members. By voting, you help choose the leaders who decide how assertively FUELIowa lobbies, which industry issues are elevated, and how the association positions itself at the Iowa Statehouse and beyond. These decisions shape real policy, real outcomes, and the future of Iowa’s fuel economy. 2. Ensuring Representation That Reflects the Full Membership FUELIowa’s strength lies in the diversity of its members—from fuel jobbers, rural cooperatives, tankwagons and propane suppliers to family-owned retail locations. That diversity must be reflected on the board. This year, the Board Composition Committee worked throughout the summer to refine guidelines that balance business type, geography, operational size, and areas of expertise. Their work ensures that the board continues to reflect the full breadth of the industry we serve. The Nominating Committee—led
by Tessa Anderson of Rainbo Oil, with Nate Lincoln of Lincoln Farm and Home, and Scott Richardson of Key Cooperative—applied those guidelines to assemble a slate of candidates who embody professionalism, commitment, and deep industry knowledge. Your vote ensures that your business and its priorities are represented—and that the board reflects the realities, challenges, and opportunities across the entire state. 3. Strengthening FUELIowa’s Credibility and Influence A well-participated election signals that FUELIowa is a democratically governed, member-driven organization. The more members who vote, the stronger the board’s mandate—and the more credibility FUELIowa carries with policymakers, regulators, and industry partners. Robust participation also reinforces internal accountability. Your vote isn’t just symbolic; it helps ensure that elected leaders
remain responsive to members’ needs and aligned with the mission of the association. 4. Building Organizational Resilience and Strategic Leadership Good governance is essential to navigating the industry’s challenges—from evolving fuel blends to regulatory pressure to infrastructure demands. Electing a strong board ensures that FUELIowa remains financially sound, strategically focused, and prepared for the future. This year, we are fortunate that all but one incumbent director has chosen to run again, bringing valuable continuity and institutional understanding. Paired with new voices, this creates a healthy balance of experience and fresh perspective—key to effective governance. In addition, the board voted this summer to establish new boardappointed seats. These special two-year terms allow FUELIowa to recruit members with specific expertise in areas such as emerging fuels, regulatory compliance, safety, operations, or risk management. These appointments strengthen strategic leadership and help cultivate the next generation of industry leaders by giving emerging voices the chance to contribute at the highest level.
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5. Harnessing Your Power as a Member Voting is one of the most impactful actions a member can take. By casting a ballot, you help: • Elevate the issues most important to your business • Influence which voices guide the organization • Strengthen FUELIowa’s ability to advocate effectively on behalf of the industry
Participation amplifies your influence. By voting, you’re not simply responding to decisions made by others—you’re actively shaping them. 6. Promoting Transparency and Accountability Transparent elections build trust. FUELIowa members have the opportunity to review candidate biographies, ask questions, and make informed decisions based on more than name recognition. Those elected are entrusted with leading the association forward, and your participation ensures they carry that responsibility with accountability.
Practical Tips for Voting 1. Review Candidate Information – Biographies of all nominees are included in the following pages. 2. Check Voting Deadlines – Ballots must be returned by December 15, 2025, as required by FUELIowa bylaws. 3. Encourage Fellow Members – Turnout strengthens the board and the association as a whole. Strong leadership is essential to FUELIowa’s mission and to the continued strength of Iowa’s fuel industry. We are grateful for the men and women who volunteer their time, experience, and passion to guide this association—and for the committees who thoughtfully assembled a slate of candidates ready to lead with focus, integrity, and vision.
Thank you for participating in this year’s election and for supporting the individuals who help chart FUELIowa’s future. Your vote is your voice—your influence—and your opportunity to help keep Iowa’s fuel industry vibrant, competitive, and forward-looking. Together, We Fuel Iowa.
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B O A R D
O F
D I R E C T O R
N O M I N E E S
AC T I V E C A N D I DAT E S Chad Besch,
I have served as an Energy Department Manager in the cooperative system for 21
(Incumbent)
is a full-service cooperative serving customers across much of the state of Iowa. We
NEW
operate multiple fueling sites across the state as well as fuel delivery of gasoline,
Cooperative
diesel, and propane.
years, most recently for NEW Cooperative after a merger in 2021. NEW Cooperative
Board Service: Before my time as a board member, I served on the PAC committee and am currently serving on the Bulk Fuels Committee. My Experience on the board has shown me the impact we can have on the fuel industry in Iowa and the importance of constant communication with our lawmakers throughout the state. Board Goals: The Board goals for my next term are to support the legislative agenda for FUELIowa as well as continue to support fueling sites in small communities. As a Coop we serve many small communities across the state and we understand the importance, along with the challenges, of that. I want to continue to make sure our lawmakers are aware of those challenges and how their decisions affect those small communities.
Don Burd,
Don found what a tremendous resource associations, such as FUELIowa are when
(Incumbent)
Rapids.
he was doing his research before building his first convenience store north of Cedar
Otter Creek Country
Board Service: Don believes in being involved and supporting the advocacy efforts
Store
of FUELIowa as the voice for all members. Don currently serves on the FUELIowa Board of Directors. “I am very excited to continue to hear from and work with all FUELIowa members about their concerns and work to successfully complete our current legislative priorities.
Board Goals: I have enjoyed my time on the board and am eager to continue to share my experiences and thoughts with any interested member and working on developing new revenue streams for our stores, as most FUELIowa members are. I look forward to continuing to serve you on the FUELIowa Board of Directors and would appreciate your vote.”
Dennis Jaeger,
Dennis is currently the Wholesale Fuels Manager for Molo Petroleum in Dubuque Iowa.
(Incumbent)
Dakotas. After graduating from the University of Northern Iowa with a Business Degree
Molo
he has spent the last 16 years in Sales and Operations in the fuel business.
Overseeing wholesale fuel operations in Iowa, Wisconsin, Illinois, Minnesota, and the
Petroleum
“I have been honored to serve on the Fuel Iowa Board for the last 2 years, helping to promote our causes to ensure our members are well represented and are provided an opportunity to compete in a fair and equitable market. Being a member of Fuel Iowa allows me to champion our messages every day I am in the field working with customers and our membership.” Board Service: During my time on the Board I have attended all board meetings, our Regional Roundtables in Dubuque, the Camp Courageous Benefits and attended the UMCS annual shows. I’m currently a member of the Tank Wagon Sub-Committee and the Finance Committee. During my time on the Board, I have been impressed with the passion each board member brings to the table during our meetings and their willingness to embrace the struggles all our members face every day. Board Goals: My goals for the next term are to continue to be an active participant in all Board functions, strive to be a member 10
of our Executive Committee and continue to promote our agenda.
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AC T I V E C A N D I DAT E S Ke i t h Olsen,
Keith Olsen is the owner of Olsen Fuel Supply, Inc. along with his wife Barb, and son
(Incumbent)
Southwest Iowa. Keith is a graduate of Iowa State University and has been in retail
Olsen Fuel
agriculture sales and service since 1984.
Supply
He started in the petroleum industry in 1992 and purchased his existing business in
Jared. Olsen Fuel Supply is based in Atlantic, IA and serves customers throughout
1998. The business supplies customers with refined fuels, lubricants, DEF fluid, and propane. Olsen Fuel also provides transport services of biofuels, refined fuels, and propane as well. They also operate retail convenience stores in Cass County. When he is not tending to business, he enjoys spending time outdoors and wherever his seven energetic grandchildren may lead him! Board Service: Keith currently serves as Immediate Past Chair on the FUELIowa Board of Directors and would appreciate your vote so he may continue to serve our association and its members throughout the state. Throughout his career, Keith has seen and used the many benefits of our association. While on the board, he has seen our staff in action and is impressed with their abilities and dedication to our members. Board Goals: Keith has observed many changes in the industry over the years, but he feels the basic principles still apply, providing consumers with quality petroleum and industry related products in a safe manner and at a fair price. The continual implementation of biofuels and higher ethanol blends is critical to our marketers. He feels working together with our members, other trade associations, and our legislators is imperative to the success of our industry.
Inder Singh, Brew Oil
Inder Singh is a successful entrepreneur with a deep-rooted commitment to Iowa’s convenience retail and fuel sectors. In 2004, he purchased his first convenience store in Storm Lake, Iowa, renaming it to Brew. Over the past two decades, he has grown this single store into a thriving network of 26 Brew stores across the Midwest, including a Brew Travel Center (branded as Travel Center of America) in Hutchinson, KS, and another ground-up Travel Center project underway in Stuart, Iowa. His Brew stores are known for their fuel services, a wide selection of food and convenience items and premium-specialty coffee offerings, creating a go-to destination for local customers and travelers.
Inder’s hands-on approach to business and his vision for customer-centered service have driven his company’s growth and established Brew as a trusted brand in Iowa and the Midwest. Inder is eager to bring his knowledge of independently owned fuel providers, c-store innovation, and customer service excellence to FUELIowa, advocating for policies that support independent retailers and foster growth across the industry. He understands the challenges of adapting to market shifts and regulatory demands and is committed to finding solutions that benefit FUELIowa members and communities alike. With a passion for service and a track record of proven success, Inder would be a dedicated advocate for the fuel and convenience sector on the FUELIowa board. Board Service: Inder has served both on the board and as president of Storm Lake United, Storm Lake Iowa’s chamber of commerce, as well as various community, school, and other nonprofit organizations. Board Goals: If elected to the FUELIowa board, Inder Singh is committed to advocating for independent owners and working to ease the regulatory and operational hurdles that can hinder their growth and success. .
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Inder plans to support legislative and regulatory actions that reduce the compliance burdens for independent store owners, enabling them to focus on expanding their services and offerings. By reducing red tape, he believes that retailers can reinvest in their businesses, better meet customer needs and, ultimately, contribute more to Iowa’s local economies. Additionally, he aims to support programs that help convenience stores expand their footprints to underserved areas, ensuring that every community has access to fuel, food and essential items. With his years of experience and commitment to service, Inder is prepared to be a strong advocate for FUELIowa members, championing policies that foster a supportive environment for independent businesses while prioritizing the needs of Iowa’s communities.
Jason Stauf fer ,
Jason Stauffer is Manager of Refined Fuels Sales and Marketing at New Century FS, bringing 28 years of experience in the fuels industry.
(Incumbent) New Century
Board Service: He currently serves on the executive board of Fuel Iowa as Treasurer
FS
and chairs both the Board Composition Committee and the Bulk Fuels Committee, providing strategic leadership across the organization. Throughout his two years on board, Jason has seen firsthand the impact of the FUELIowa on legislative issues and has contributed as an industry’s voice at the state level.
Board Goals: Jason understands that the fuel industry continues to face significant regulatory and fiscal challenges that create difficulties for small businesses. If re-elected, Jason’s board goals include ongoing support for the FUELIowa legislative priorities, encouraging greater participation among board members and members in committees. He also aims to identify and support strategic initiatives that benefit members and the industry, while fostering and building strong relationships with legislators, and other key stakeholders. A passionate advocate for the fuel industry, Jason combines decades of experience with a commitment to proactive leadership and member-focused initiatives, making him a trusted and effective voice for Fuel Iowa.
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A S S O C I AT E C A N D I DAT E S Ka t h y Gunlock
Kathy Gunlock brings over three decades of retail and distribution experience to her
(Incumbent)
Since 2021, she has served as the Tobacco Category Manager for Core-Mark Iowa,
Core-Mark
where she provides strategic guidance and regulatory insight to retail partners and
role on the FUELIowa board, with expertise in the highly regulated tobacco category.
sales teams across the Midwest. “I believe in meeting people where they are and empowering them to be successful. FUELIowa promotes the success of its members and the industry through vast knowledge, legislative advocacy, and impactful programs. I am honored to serve and help amplify voices across our industry.” Board Service: Kathy is an active member of the Convenience Distributors Associate, where she co-chairs the Government Affairs Committee and serves on the Emerging Products Advisory Committee. She also serves on the Board and Tobacco Advisory Committee for the Nebraska Grocers Association. Her involvement at both national and state levels reflects a strong commitment to advocacy, education, and forward-thinking leadership. Board Goals: The Board goals for the first term would be to gain deeper insight into the fuel industry’s regulatory landscape and emerging trends. Leverage tobacco industry expertise to help shape legislative positions and support FUELIowa’s advocacy efforts. Foster strong connections with fellow board members and bridge communication between fuel retailers and tobacco suppliers.
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D I R E C T O R
N O M I N E E S
A S S O C I AT E C A N D I DAT E S Cara Ingle,
Cara Ingle serves as the Environmental and Compliance Manager at Unified
(Incumbent)
underground and aboveground fuel systems, tank removals, cathodic protection
Unified
testing and installation, vacuum truck services, licensed electrical work, fuel dispensing
Contracting
and POS services, testing, and compliance management throughout Iowa and
Services
surrounding states.
Contracting Services, a company specializing in ground-up installations for
With over a decade of experience in the industry, Ms. Ingle began her career with the Iowa DNR Underground Storage Tank UST Section, where she spent several years assisting operators with compliance, interpreting regulations, working with industry to implement new EPA regulations, and presenting at professional licensing courses.
In 2020, she established the Environmental Compliance and Testing Division at Unified Contracting Services, expanding the company’s capabilities to meet evolving industry needs. Known for her technical expertise and leadership, Ms. Ingle takes pride in her comprehensive understanding of state and federal UST regulations and her ability to adapt to their ever-changing requirements. She is currently serving as the President of the Iowa Petroleum Equipment Contractors Association (IPECA).'' Board Service: Over my two years on the board, I have participated in multiple statewide roundtable luncheons to discuss legislative and regulatory issues impacting the industry. As President of IPECA, I have been actively engaged in advancing the industry through collaboration and advocacy. In my 2 years I have been able to work closely with FUELIowa’s President of Government Affairs, to help provide a unified voice to Iowa regulators regarding ongoing and proposed rule changes. Board Goals: Board Goals for my next term would be to support the current FUELIowa legislative agenda for the 2026 season and promote active participation among board members and FUELIowa committees. I hope to continue fostering collaboration between FUELIowa, industry stakeholders, and state regulators. I also hope to work to expand FUELIowa membership by engaging new industry partners, enhancing member outreach, and increasing awareness of the value FUELIowa provides.
Kyle May,
Kyle currently serves as Director of External Relations for Reynolds American Inc.,
Reynolds
commercial connectivity, and policy engagement across 26 states in the Midwest
American Inc
and Northeast. He manages a team of two direct reports and oversees responses to
where he leads trade association engagement, grassroots advocacy, legislative and
hundreds of federal, state, and local proposals annually. A familiar face on the convenience store industry circuit, Kyle presents at dozens of events each year, offering insights on regulatory trends and industry strategy. With over 13 years of experience at Reynolds spanning government affairs, sales, and marketing, he brings a deep and diversified understanding of the tobacco and nicotine landscape. In 2023, he was honored as one of Convenience Store News’ Future Leaders in Convenience. Outside of work, Kyle enjoys running, cycling, and spending time with his wife Lauren and their two sons, Jonah (7) and Graham (3). Board Experience: Kyle has had the privilege of serving on several boards throughout his career. Personally, he served on the Lenoir-Rhyne University Board of Directors from 2016 to 2018. Professionally, he currently serves on the We Card Advisory Board, Illinois Fuel and Retail Board of Directors, Ohio Wholesale Marketers Association Board of Trustees, Motor Fuel & C-Store Committee – Pennsylvania Petroleum Association, and the Convenience Store Committees – Maine Energy Marketers Association & Indiana Food and Fuel Association. F U E L I O WA // w w w. F U E L I o w a . c o m
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Board Goals: Kyle’s primary goal in joining the Fuel Iowa Board is to help expand the reach, influence, and success of fuel marketers and convenience stores across the state. His multi-state expertise allows him to bring forward-looking insights and best practices from other regions to proactively address emerging challenges in Iowa. In addition to his policy experience, Kyle offers broad industry connectivity, enabling him to provide perspective on a wide range of issues beyond tobacco and nicotine. Reynolds’ extensive network of contracted lobbyists also presents an opportunity to strengthen collaboration between Fuel Iowa, elected officials, and advocacy partners. As a representative of Reynolds American, Kyle brings a unique advantage: the company actively markets products across nearly every tobacco segment—including cigarettes, moist snuff, snus, e-vapor, and nicotine pouches—offering a comprehensive view of the industry that few competitors can match.
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Maximize your exposure! Advertising in the FUELIowa January/February Magazine puts your brand directly in front of the attendees you want to reach. Special exhibitor rates are available - don’t miss this opportunity to connect with your customers!
Email Sarah Bowman by January 15 for more details and special rates sarah@fueliowa.com
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16
Assessing Pollution Liability Providers & Coverages
By John Maynes, President, Government Affairs, FUELIowa
Running a fueling station isn’t just about managing fuel sales, convenience store operations, or customer service, it’s also about protecting your business from costly environmental risks. Few industries face as much exposure to pollutionrelated liabilities as fuel retailers. From underground storage tank (UST) leaks to vapor releases and contaminated runoff, even minor incidents can lead to cleanup orders, business interruption, and an undefined labyrinth of penalties, fines, and thirdparty claims reaching hundreds of thousands—or even millions—of dollars. That’s why pollution liability coverage is not just another line on your insurance policy, it’s a cornerstone of responsible business ownership in the retail fuel industry. But with so many carriers and coverage options on the market, how do you choose the right provider? Below are key factors every gas station owner should consider when selecting pollution liability coverage options.
1. Experience with Fuel Retail Risks Pollution insurance isn’t one-size-fits-all. Gas stations have unique exposures 16 16
that differ from manufacturing plants or commercial real estate. Look for a provider with a proven track record insuring fuel retailers and UST operators. Specialized insurers understand: • The complexities of underground and aboveground storage tank systems. • Regulatory requirements from the EPA and state agencies overseeing tank systems. • Imminent or future policy initiatives impacting retail fueling stations. • The claims process following releases, leaks, or mandated cleanups. Ask potential carriers how many fueling stations or convenience store clients they insure and whether they partner with third-party environmental professional’s familiar with UST systems. Dive deeper and request a meeting with the underwriting department or claims manager. Does the carrier cancel coverage when the UST system reaches a certain age? The more experience a carrier and agent have with tank systems, the more confident you can be that they’ll respond effectively when you need them most. Last, but often overlooked, explore their customer service protocols. With the scope of liability you are protecting against, make certain any provider has assets immediately available to you in a time of need. Questions to ask: • Ask your agent how many pollution liability claims they’ve worked on in the last 5-10 years? • Were any of those claims denied? Why were they denied? • Is the policy carrier admitted with the state of Iowa?
2. Breadth of Coverage and Policy Limits Not all pollution liability policies are equal. Some provide only limited cleanup coverage, while others extend to third-party bodily injury, property damage, and business interruption losses. Further examples of policies not being equal include coverage for dispensers and retroactive coverage extending back beyond the date upon which the insured took ownership of the property and its tank system.
3. Financial Stability and Claims Reputation
Pollution incidents can unfold over years, sometimes overlapping with multiple owners. That means your insurer’s financial strength and claimshandling reputation are as important as the initial policy terms.
• First-party cleanup and remediation costs for on-site contamination.
Verify the company’s AM Best rating (ideally “A-” or higher) ask about its average claims’ response time, probe further and ask them how much money they have paid out in the state of Iowa for pollution liability claims. If they are unwilling to share details, seek feedback from your broker, other station owners, and trade associations. The best insurers handle claims transparently, communicate regularly during cleanup, and coordinate directly with regulators and environmental contractors.
• Third-party claims from neighboring property owners or affected communities.
The most important aspect of your policy is delivery on its terms by your provider.
• Emergency response expenses for spills and leaks.
4. Compatibility with State and Federal UST Requirements
A strong policy should cover: • All fueling infrastructure associated with the tank listed on the policy.
• Defense costs, even if claims are groundless. Do the defense cost incurred count against the corrective action limits? • Corrective action mandated by regulators. When reviewing coverage, pay attention to limits and sublimits. Cleanup costs alone can quickly exceed $500,000 for a single incident, so ensure your coverage limits reflect realistic exposure levels. Some policies cap legal or investigation expenses separately— make sure these amounts are sufficient and their terms aren’t too restrictive.
Most states require evidence of financial responsibility for UST systems. In Iowa, that means a pollution liability policy under the umbrella of a state approved private insurance provider. Make sure your insurer’s policy satisfies your state’s specific requirements for: • Per-occurrence and aggregate limits. • Deductible thresholds. • Authorized insurer status or form approval. • Exclusions. Periodically, state agencies see policies being
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shopped with exclusions that do not satisfy state or federal requirements. Exclusions centered on voluntary equipment replacement is a good example of an exclusion to be wary of.
Your agent or broker should be familiar with the Iowa Department of Natural Resources guidelines. Non-compliant coverage can lead to hefty penalties, suspension of your fuel operations, and a sign of problems to come if forced to set in motion the coverage in your policy.
5. Claims Support and Environmental Expertise When a release occurs, time is critical. The best pollution liability providers offer dedicated claims experts that can mobilize consultants and contractors, bringing consistency to an otherwise chaotic time. Emergency response to a release can often be a point of contention if your carrier isn’t accustomed to working with your environmental consultant, you need to have a carrier that is experienced in Iowa working with state regulators and environmental consultants. Ask about: • Dedicated claims representatives. • Consult environmental professionals, do they have experience working with a specific carrier? • Preferred vendor networks for remediation. • Coordination with state cleanup programs (if applicable). • On-site system inspection and policy review.
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A provider that can assist in managing environmental response logistics reduces your stress, downtime, and exposure to regulatory fines and penalties.
6. Cost Versus Value While premiums are always a consideration, the lowest price is only one piece of the puzzle. Compare policies by cost, but also by scope, responsiveness, and support. Only the insured can evaluate between premiums and compare policy coverage. Do your due diligence and ask questions until you are satisfied with the answers. For fueling station owners, pollution liability coverage is more than a regulatory box to check—it’s a safeguard for your livelihood and your business reputation within your community. Selecting the right provider requires balancing experience, relying on industry peers, financial strength, and responsiveness with comprehensive policy terms. Work closely with a broker who understands the petroleum retail sector, and review your policy annually as equipment ages, environmental standards evolve, or you add locations. With the right insurer by your side, you can focus on running your business confidently knowing that your investment, reputation, and future are protected from the unseen risks beneath the surface.
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Jet Gas
A Family Legacy Fueled by Community
MEMBER FEATURE
By Sarah Bowman D i r e c t o r, Communications & Events FUELIowa
In small-town Iowa—where family names carry decades of stories and neighbors still go out of their way for one another—the history of Jet Gas is woven tightly into the fabric of everyday life. It’s a story of perseverance, community, and a family determined to rebuild, grow, and give back. The Bentler family’s journey with fuel began not in triumph, but in hardship. In 1930, the Bentlers lost their family farm during a time when countless Iowa families were fighting to stay afloat. With limited options but unwavering grit, the family began leasing a fuel business from El Reco Oil Company, operating it for five years. That period of leasing would eventually open the door to something larger, something lasting. In 1935, Bill Bentler purchased the business outright, officially renaming it El Reco Oil Company and setting out to build a livelihood that would sustain his
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family. Fuel delivery in those days was rugged, hands-on work. Bill and his sons hauled gasoline and fuel oil using a 400-gallon truck and relied on two five-gallon buckets and a funnel to make deliveries. Fuel sold for about 16 cents a gallon, and every day’s work meant long routes on gravel roads and helping neighbors keep their farms and homes running. Bill’s sons soon stepped in to help. Irvin joined the U.S. Army, and Leroy was drafted at just 18, temporarily leaving the family business to serve the nation during World War II. Like so many young men from Houghton, IA, and the surrounding communities, they carried with them a deep sense of duty—to their country and to the families waiting back home. When the war ended, the brothers returned to Iowa and joined their father in rebuilding the company. The three worked side by side until 1950, when Irvin and Leroy purchased El Reco Oil from their dad.
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By 1956, Leroy purchased Irvin’s half and renamed the company Houghton Oil Company, hiring another brother, Bud, as business steadily expanded. Farmers, local businesses, and families throughout rural Southeast Iowa came to depend on the Bentlers—not just for fuel, but for reliability and the kind of neighborly service only a familyrun company can provide. By 1958, the company evolved again and became Bentler Oil Company. With each year came growth: more routes, more customers, more demand. In 1965, additional land was purchased to support the expanding operation, and by 1972, Bentler Oil had grown to five bulk plants and was delivering fuel to local service stations. A major turning point came when Bentler Oil merged with Menke Oil, a local Standard Oil jobbership owned by Dennis and
Kate Menke. Together they formed Jet Gas, a name chosen to symbolize the fast, dependable service the new partnership promised. The Menkes later moved on to start the extremely successful Crystal Ice—now known as Arctic Glacier—in West Point, IA. Under Leroy’s leadership, Jet Gas became known not just for fuel delivery, but for character. Leroy believed in showing up—rain, shine, blizzard, or muddy back road—and that dedication shaped the company for decades to come. Over time, Jet Gas added transport and tankwagon divisions, allowing the company to serve an even wider range of needs, from large industrial deliveries to residential heating fuel. In 1965 Leroy Bentler and Adrian Hunold opened
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B&H Propane in Houghton, Iowa. Leroy later bought out Adrian and changed the name to B&B (because making an H into a B was easy and cheap). In 1988, Leroy’s son Larry Bentler took ownership of Jet Gas Corporation, bringing with him 10 years of management experience at the Pep Stop convenience store in Fairfield, IA. Larry honored his family’s past while expanding Jet Gas into a modern, multi-division operation serving customers not only in Iowa, but in Missouri and Illinois, where Jet Transport provides commercial, agricultural, and industrial fuel and propane services. Larry later purchased several more convenience stores over the years, expanding the Jet Stop chain to 11 locations in Southeast Iowa. In 2005, Larry also purchased B&B Propane from his father, Leroy. B&B Propane now serves over 28 counties in Iowa, Missouri, and Illinois.
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Jet Tank wagon, with divisions in Fort Madison, IA, Houghton, IA, and Pulaski, IA, meets the needs of smaller farms, businesses, and residences with the same personal touch the company was built upon. Until October of 2025, Jet Gas also operated the Jet Stop stores across Southeast Iowa, each with a unique community personality. Some serve as earlymorning gathering spots where locals swap stories over coffee. Others sit along busy highways, offering quick, friendly service to travelers and neighbors alike. But all share the same values the Bentler family had from day one—dependability, fairness, and local pride. Through farm losses, wartime service, name changes, expansions, mergers, and decades of economic shifts, Jet Gas has remained grounded in
what has always mattered most: serving its community. From delivering heating fuel to families in winter, to supporting farmers through planting and harvest, to keeping businesses—and entire towns—moving, Jet Gas has been part of the heartbeat of the region for nearly 90 years. From buckets and funnels to multi-state transport fleets, the tools have changed. The size has changed. But the heart? That’s the same as it was in 1935—family helping family, neighbor helping neighbor, and a business built not just to grow, but to serve.
A New Chapter for Jet Stop Stores A recent milestone has been announced: the sale of the Jet Stop convenience stores to longtime employee and current COO, Brooke Lilley. Brooke is a familiar face in the locations and brings over 28 years of experience to her role as the new owner. She began her journey with the company at just 16 years old as a cashier. Throughout high school, college, and her adult career, she has continued to rise through the ranks—offering leadership, innovation, and a deep understanding of the communities Jet Stop serves.
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Brooke plans to continue placing the highest value on customer service, employee support, and community involvement. She helped shape programs such as school spirit pumps, college scholarships, and local sponsorships are anticipated to remain central to store operations. Bentler shared,
Jet Gas Corp, Jet Transport, Jet Tank wagon, and B&B Propane will remain under Larry’s ownership, with Lilley operating as a supplied dealer for the current branded fuel products.
“I'm extremely pleased to allow her the opportunity to grow this business with her husband, Clay. She will be very successful in my humble opinion.”
“We truly appreciate all of our customers over the last 60-plus years and hope they continue to support this young couple in their new endeavor.”
The sale of the stores occurred on October 1, 2025. Bentler added,
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P OW ERIN G PR OGRESS T OGET HER TH E IM PA CT O F SPO N SO R S HI P AND ADV ER TI S I NG WI TH FUELI OWA
By Jim Ewing, D i r e c t o r, Membership & Business Services
Sponsorship and advertising are
board—now online, in print, and
new opportunities and ideas for the
built on that classic Iowa spirit of
at events—connecting members
future.
looking out for one another—but
with innovative equipment, smarter
these days, they feel a bit more like
software, regulatory solutions, and
At its core, sponsorship and
the practical partnership that keeps
services designed to make day-to-
advertising support more than
our hometown businesses current,
day operations more efficient. These
FUELIowa—they support the entire
connected, and ready for whatever
ads introduce retailers to partners
network of hardworking businesses
comes next. When companies
who can help streamline their
that keep Iowa moving. It’s a modern
choose to sponsor FUELIowa or
business, cut costs, or upgrade their
take on community partnership:
advertise through our platforms,
sites, which is especially valuable in
practical, forward-thinking, and
they’re doing more than putting
rural communities where access to
grounded in that same reliable spirit
their logo in front of people; they’re
new ideas and resources isn’t always
our industry is known for.
actively investing in the future of
right around the corner. Sponsorship
the fuel and convenience industry
dollars also keep our conferences,
Take the next step today—reach out
across our region. Their support helps
workshops, and networking events
to Jim Ewing at jim@fueliowa.com or
us advocate at the Capitol with real
vibrant and worthwhile. They create
(515) 421-4596 to explore how you
strength, making sure policymakers
spaces where industry professionals
can elevate your brand and partner
understand the challenges faced by
can collaborate, compare notes,
with FUELIowa to strengthen our
retailers and fuel marketers in towns
and build relationships that spark
industry.
where the nearest major highway might be 30 minutes away but the customer relationships run decades deep. It also gives FUELIowa the ability to deliver modern training, compliance updates, and digital tools that help members stay ahead in an industry that’s changing faster than ever—whether due to new technology at the pump, evolving regulations, or shifts in consumer habits. Advertising ties directly into this progress, too. It’s the updated version of the co-op bulletin 24
2026 FUELIowa Advertising Program FULL-YEAR ADVERTISING PACKAGES
Premium
Super
Plus
Regular
$10,000
$7,500
$5,000
$3,000
FUELIOWA MAGAZINE
Full Page 6 issues
1/2 Page 6 issues
1/2 Page 3 issues
1/4 Page 3 issues
FUEL INSIDER WEEKLY E-NEWSLETTER includes link to your website
PRIMARY BANNER AD 6 issues
PRIMARY BANNER AD 6 issues
PRIMARY BANNER AD 3 issues
PRIMARY BANNER AD 1 issue
FUELIOWA.COM
12 MONTHS
6 MONTHS
3 MONTHS
1 MONTH
FULL PAGE
1/2 PAGE
1/2 PAGE
1/4 PAGE
Please mark desired box.
includes link to your website
INDUSTRY GUIDE Biennial Print
DIGITAL
MAGAZINE (6 Issues)
WEBSITE FUELIowa.com
INDUSTRY GUIDE (Biennial)
E-NEWSLETTER (Weekly)
ALA CARTE DIGITAL ADVERTISING
ALA CARTE PRINT ADVERTISING
FuelIowa.com Ad • 12 Months............................$2000 FuelIowa.com Ad • 6 Months..............................$1000 FuelIowa.com Ad • 3 Months................................$500 FUEL Insider • 1 Week Banner Ad..........................$500 FUEL Insider • 2 Week Banner Ad.........................$1000 FUEL Insider • 3 Week Banner Ad.........................$1500 FUEL Insider • 6 Week Banner Ad.........................$2500
Magazine • 4x6 Sticky Front Cover Ad..............$2000 Magazine Ad or Advertorial • Full Page.............$2000 Magazine Ad or Advertorial •1/2 Page..............$1500 Magazine Ad or Advertorial • 1/4 Page.............$1000 Industry Guide Ad • Full Page..............................$2000 Industry Guide Ad • 1/2 Page..............................$1500 Industry Guide Ad • 1/4 Page..............................$1000 ORDER FORM SPONSORSHIPS Total: $_____________
ADVERTISING Total: $_____________
GRAND TOTAL $_____________
Primary Contact______________________________________
Payment Options
Company____________________________________________
Credit Card
Check Enclosed
Send Invoice
Address______________________________________________
Card Number_______________________________________
City_______________________ State________ Zip__________
Exp_______________________ CVV_____________________
Email________________________ Phone__________________
Billing Address (if different than contact information)
Website*_____________________________________________ *Please send high resolution logo to Sarah@FUELIowa.com
Sign_____________________________ Date_______________
Address____________________________________________ City_____________________ State________ Zip__________
Return to: FUELIowa, 10430 New York Ave., Suite F, Urbandale, IA 50322 or email to Jim@FUELIowa.com or call 515-421-4596
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25
2026 FUELIowa Sponsorship Program FULL-YEAR SPONSORSHIP PACKAGES Please mark desired box.
COMPANY RECOGNITION
Diamond Platinum $25,000 $15,000
Gold $10,000
Silver $5,000
Bronze $3,000
(at your level)
All FUELIowa Events & Meetings (see back cover for details) FUELIowa Magazine FUELIowa.com (includes link to your website) FUELIowa.com Home Page (includes link to your website) FUEL Insider Weekly E-Newsletter SPECIAL INCENTIVES
Registrations to FUELIowa Events
10
6
4
2
1
50%
25%
15%
10%
5%
(Excludes Camp Courageous & UMCS)
Advertising Discount (see ad packages) SUMMERFEST Golf Hole Sponsorship & Foursome Meeting Space (FUELIowa Board Room) Annual Meeting Host Sponsor Recognition Legislative Reception Host Sponsor
ALA CARTE SPONSORSHIPS Please mark desired box.
Digital Magazine Edition Sponsor (6)........................$2000 Regional Roundtable Sponsor (6).............................$1000 Legislative Reception Sponsor...................................$2000 SUMMERFEST Dinner Sponsor......................................$2000
26
2025 FUELIOWA SPONSORS SUSTAINING
DIAMOND Q:\Creative_RINAlliance\RINAlliance Logos\Horizontal Logos\Without Tagline\RINAlliance-H-4c.jpg
PLATINUM
GOLD
SILVER
BRONZE
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UMCS 2026: Attendee Registration Is Officially Open Secure Your Spot Today!
By Sarah Bowman D i r e c t o r, Communications & Events FUELIowa
Excitement is building for the 2026 Upper Midwest Convenience & Energy Show (UMCS), and we are thrilled to announce that attendee registration is now officially open! Whether you’re part of convenience retail, fuel distribution, energy production, transportation, community development, or industry infrastructure, this is your event — and you won’t want to miss what’s in store. Taking place April 1–2, 2026, UMCS is the premier regional event where energy, innovation, and retail leadership converge. It’s where the conversations shaping tomorrow happen today, and where professionals gain the tools, insights, and connections needed to thrive in a rapidly changing marketplace.
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Why Attend UMCS 2026?
The energy and convenience industries are evolving faster than ever — new technologies, alternative fuels, workforce trends, regulatory changes, safety standards, and customer expectations are influencing decision-making at every level. UMCS equips attendees with the knowledge and access needed to stay ahead. Here’s what to expect: • Hands-On Trade Show Experience Explore the latest products and technologies displayed by top-tier vendors, innovators, service providers, and suppliers. From equipment to software to operational solutions, UMCS brings it all under one roof. • Industry-Driven Education & Training Attendees will experience a robust lineup of workshops, keynote sessions, technical training, and professional development opportunities tailored to real-world demands. • Networking That Counts Meet and collaborate with retailers, carriers, suppliers, executives, solution providers, and emerging leaders across the Midwest — all committed to industry progress and partnership.
Don’t Wait — Early Registration Benefits
Registering early not only secures your access but we are offering EARLY BIRD PRICING in 2026!
Who Should Attend?
UMCS is strategically designed for professionals and organizations across: • Convenience retail • Fuel & energy distribution • Biofuels, EV, propane, natural gas, and hydrogen • Risk management, compliance & regulatory • Transportation, fleet, logistics, agriculture • Infrastructure, technology, and sustainability Whether you’re an owner, manager, technician, executive, or supplier, there is value for every role and stage of your career.
What’s Next?
Now that registration is open, keep an eye on ongoing announcements regarding speakers, workshop topics, exhibitor highlights, sponsorship opportunities, and special networking events. UMCS 2026 is shaping up to be one of our most impactful years yet — and being there puts you at the center of it.
The Future Is Fueling Forward — Be There
UMCS is more than a meeting place — it’s where professional momentum begins. Secure your spot, connect with industry changemakers, and be part of leading the future of convenience and energy. Registration is officially live — we encourage all industry professionals to register today.
• Forward-Thinking Content With a focus on today's challenges and tomorrow’s possibilities, UMCS is curated to support both traditional and emerging energy pathways. F U E L I O WA // w w w. F U E L I o w a . c o m
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SAVE THE DATE FUELIowa SUMMERFEST Returns to Okoboji August 6–7, 2026
Get ready to head back to the
Mark your calendars now and
lake! FUELIowa SUMMERFEST is
start planning for two days
returning to beautiful Okoboji
of connection, conversation,
on August 6–7, 2026, and you
and celebration with Iowa’s
won’t want to miss it. After a
fuel and convenience
year away, we’re bringing our
industry leaders. Details on
signature summer event back
registration, lodging, and
to Okoboji—complete with
sponsorship opportunities will
great networking, lakefront fun,
be announced soon—but for
and the relaxed atmosphere
now, save the date and get
that makes SUMMERFEST a
ready for Okoboji 2026!
member favorite.
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WE GO ABOVE, BEYOND, AND BELOW. Over 30 Years Providing Professional AST/UST Services
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WANT BETTER HEALTH INSURANCE FOR LESS? WANT BETTER HEALTH INSURANCE FOR LESS? HEALTHAlliance offers industry leading health & wellness plans exclusively
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designed to meet the needs of fuel marketers, convenience stores, and Dental & more, FUELIowa members enjoy the finest coverage at low rates due to the combined buying like strength of our membership. associated businesses. With partners Blue Cross & Blue Shield, Delta
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F U E L I O WA // w w w. F U E L I o w a . c o m
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POWERFUL BRAND. HOMETOWN FEEL. RUNNING YOUR BUSINESS YOUR WAY. POWERED LOCALLY. ®
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GY M AR KETERS INSIDE THE BELTWAY ENER OF AM ER I CA encouraging Members of Congress
fuel from 10-20 percent today to 25-
to ensure LIHEAP appropriations
35 percent statewide. In response,
continue during the shutdown.
Governor Newsom has softened the state’s stance toward refiners,
Inside the Beltway Update – October 24, 2025 It’s Day 24 of the federal government shutdown. House Republicans have not returned to Washington since midSeptember, and the Senate has now left town for the week. While there were early signs that Congressional leaders might move toward a resolution, little tangible progress has been made. Although many Americans have yet to feel the direct impact, that could soon change and ramp up pressure on Congress to act. As November 1 approaches, millions of Americans could see immediate impacts through the lapse of numerous federal programs and operations. The Low-Income Home Energy Assistance Program (LIHEAP), which millions of households rely on to stay warm during the winter, could soon run out of funds. State and local administrators are already warning of an imminent lapse. Recognizing the potential impact on small business energy marketers, EMA joined a coalition of state, regional, and national organizations urging Congressional action. Early next week, EMA will issue a CALL TO ACTION 36
Another threat to public health and
pausing enforcement of the refinery
safety – states are now warning that
profit cap and directing the Energy
Supplemental Nutrition Assistance
Commission to maintain market
Program (SNAP) benefits will not go
stability. The state is also exploring
out in November if the shutdown
measures such as reversing existing
continues. Further, the Disaster
pipelines and requiring refiners to
Relief Fund, the main source of
hold additional inventory to mitigate
federal disaster recovery funding,
future price volatility.
is running critically low. Its balance has fallen below $11 billion, a level
Inside the Beltway Update
that previously raised alarm among
This week, efforts to resolve the
officials. This could force FEMA to
ongoing government shutdown
prioritize only immediate disaster
have seen some cautious optimism
responses and threatens to curb
among lawmakers, but significant
crucial government assistance during
disagreements persist. Senators
hurricane season.
claim momentum is building, as majority leaders say bipartisan
IRS operations are also being
talks have “ticked up” as critical
severely disrupted, leading to
deadlines near. The Defense
delays in tax refunds for those not
Department will use a mix of
filing flawless electronic returns. Live
reconciliation funding, weapons
customer service is limited, appeals
procurement money and research
appointments are being canceled,
accounts to pay service members
and paper correspondence is going
on Friday. Senate negotiations on
unanswered—even as all filing and
funding bills continue, with senators
payment deadlines remain in effect.
expressing hope that bipartisan talks might lead to a resolution soon.
The uncertainty is not limited to federal government programs.
The shutdown, now in its 30th day,
California faces a looming fuel
has impacted millions of Americans,
supply crisis as two of its nine gasoline
including the suspension of SNAP
refineries - Phillips 66 Los Angeles
benefits and LIHEAP funding for
and Valero Benicia - plan to close
November and mass furloughs of
or idle by mid-2026, cutting nearly
federal workers. Democrats are
18 percent of the state’s refining
decrying the administration's refusal
capacity. Because California
to tap into a contingency fund to
operates as a “fuel island” with its
keep food stamp benefits flowing
own emissions-specific gasoline blend
in November. Negotiations remain
and limited import infrastructure, the
stalled, with lawmakers on both
closures could drive up prices and
sides blaming each other, and
increase dependence on imported
the shutdown's economic impact
continues to grow, including an
issuance of Section 401 water quality
EMA continues to work with regulators
estimated $14 billion loss in GDP.
certifications.
to identify the root causes of renewal
Yesterday, Vice President Vance will lead a roundtable discussion at the
October 31, 2025
delays, including potential issues with fingerprinting appointment scheduling.
White House to discuss the shutdown’s impacts on air travel.
Additionally, EMA has requested a A bipartisan coalition of 13 governors,
meeting with TSA and DOT officials
co-led by Pennsylvania Democrat
to share industry feedback, clarify
Josh Shapiro and Oklahoma
elements of the HME process, and
transmission, and pipeline projects.
EMA Engages with TSA and DOT to Address HAZMAT Renewal Issues
The governors, writing on behalf of
As the U.S. federal government
the National Governors Association,
shutdown continues, the Energy
warned that if developers cannot
Marketers of America (EMA) —
quickly build new infrastructure to
representing fuel wholesalers and
meet growing power demand, the
retailers nationwide — has issued an
U.S. risks losing its economic edge to
urgent request to top officials at the
China.
Transportation Security Administration
Republican Kevin Stitt, is urging Congress to pass comprehensive legislation that would overhaul energy permitting rules to speed up the construction of new production,
(TSA) and the Department of Framing their effort as a "bipartisan
Transportation (DOT) for temporary
response to the nation’s energy
regulatory relief concerning
crisis," they seek to "reduce barriers"
Hazardous Materials Endorsements
to infrastructure development at
(HME).
the pace necessary to "win the AI race, lower costs for consumers, and
EMA expressed concern that the
responsibly develop the advanced
ongoing government shutdown
energy sources of the future.” Their
could disrupt HME renewals, noting
recommendations include measures
that administrative delays may
to speed permitting reviews and limit
create compliance risks and cause
legal challenges under the National
significant operational challenges for
Environmental Policy Act (NEPA).
energy marketers. The Association
For example, reducing the statute
urged TSA, in coordination with DOT
of limitations for filing suit against an
and the Federal Motor Carrier Safety
agency action from six years to one
Administration (FMCSA), to grant a
year or less, as well as giving FERC
temporary exemption or a 90-day
more power to designate National
extension beyond the HME expiration
Interest Electric Transmission Corridors.
date for drivers potentially affected
They are also urging FERC to create
by the shutdown.
a cost allocation model that would require customers to pay only if they
In discussions with TSA staff, the
benefit from a given transmission
agency assured EMA that the HME
line. The governors also propose
program remains unaffected by the
changes to the Clean Water Act,
shutdown, explaining that it is self-
requesting that Congress codify
funded and fee-based. Nevertheless,
limitations for challenges against the F U E L I O WA // w w w. F U E L I o w a . c o m
explore opportunities to enhance compliance and address ongoing CDL fuel driver shortages.
Energy Marketers Sound Alarm: EPA's Proposed RFS Reallocation Could Slam Businesses with Higher Costs Today, the Energy Marketers of America (EMA) – representing the nation's fuel distributors and retailers -urged the EPA to not reallocate small refinery exemptions (SREs). Shifting exempted renewable fuel volumes from small refiners back onto larger ones could likely spike RIN prices, rack fuel costs, and squeeze branded marketers caught in long-term contracts – all while lacking clear legal backing. The Renewable Fuel Standard (RFS) mandates blending biofuels into gasoline and diesel, enforced via Renewable Identification Numbers (RINs). Small refineries can petition for SREs if compliance causes "disproportionate economic hardship." In August 2025, EPA granted a slew of SREs, exempting 11.4 billion gallons of 2023-2024 fuel – translating to billions in waived Renewable Volume Obligations (RVOs). EPA's 37
Supplemental Notice of Proposed
The Supreme Court on November
This new rulemaking (Reg. 2127-
Rulemaking (SNPRM) for 2026-2027
6th, heard oral arguments
AM76) is designed to weaken existing
RFS volumes – out September 18 –
concerning challenges to President
standards through model year 2031
floats two co-proposals: 100% or 50%
Donald Trump’s sweeping tariffs,
and is anticipated to yield "something
reallocation of those volumes to non-
which were imposed via executive
on the order of $100 billion in cost
exempt refiners.
orders relying on the International
savings for the U.S. economy".
Emergency Economic Powers
Furthermore, this effort is occurring
Biofuel advocates demand 100%
Act (IEEPA) to address perceived
shortly after Republicans eliminated
reallocation to shield farmers from
national emergencies like trade
all civil penalties for noncompliance
lost demand – projecting $7.5 billion
deficits and fentanyl trafficking.
with the program and is unfolding
hit to soy growers without it. Refiners
The Trump administration has
alongside the EPA's separate proposal
and downstream players warn of $70
argued that IEEPA’s language
to end its regulation of vehicle tailpipe
billion plus annual consumer costs
permits the President to "regulate …
emissions by revoking the greenhouse
from RFS overall, with reallocation
importation" inherently, including the
gas endangerment finding.
piling on billions more.
power to impose tariffs. They cite
EMA speaks for 48 state associations,
“the point of the statute is to confer
and 80% of U.S. motor/heating fuels
major powers to address major
via 60,000 retail stations and supplying
questions, which are emergencies.”
40,000 more. Most are small to
The challengers, including small
medium sized businesses, below-the-
businesses and states, contended
rack, non-blenders who are hyper-
that the President has exceeded
sensitive to upstream shocks.
the authority granted by Congress.
November 7, 2025
Several justices expressed skepticism, suggesting that reading
Articles for November 14, 2025
IEEPA to grant this authority violates
Congress Ends Government Shutdown
Inside the Beltway Update
the separation of powers, as the
On November 5th, the U.S.
power to tax or impose tariffs is
government shutdown became
traditionally reserved for Congress,
the longest in American history,
and potentially violates the “major
stretching past 36 days as Congress
questions” doctrine. The “major
remained unable to agree on funding
questions” doctrine requires
legislation. The shutdown continues
explicit congressional delegation
to impact millions of Americans, from
for decisions of vast economic
federal employees missing paychecks
significance. Both sides have
to disruptions in air travel and food
requested the court to move quickly
assistance programs. Negotiations
in deciding the dispute.
intensified, with Senate Democrats emboldened by recent election
The National Highway Traffic Safety
victories and Republicans introducing
Administration (NHTSA) plans to
new offers to end the stalemate,
implement a "complete reset"
including conversations about rehiring
of the Corporate Average Fuel
laid-off federal workers. Despite
Economy (CAFE) program. Deputy
bipartisan engagement, major policy
Transportation Secretary Steven
divisions, especially surrounding
Bradbury announced that the
healthcare premium subsidies
proposal would be released "in
and budget rules, kept Congress
a matter of weeks", arguing that
deadlocked, while federal agencies
the previous administration "really
and services continued to scale back
abused and misused" the CAFE
or operate with reduced staff.?
program to artificially accelerate the transition to electric vehicles.
38
On Wednesday, 43 days into a government shutdown, the House passed a bill negotiated by the bipartisan Senate, to end the government shutdown by extending current funding until January 30th, halting the Administration's "reductionin-force" layoffs, and ensuring back pay for furloughed employees. The House voted 222-209 to advance to President Trump's desk a continuing resolution that also includes full-year appropriations bills for Agriculture, Veterans Affairs, and the Legislative Branch appropriations, and a oneyear extension of the Farm Bill. The Supplemental Nutrition Assistance Program (SNAP) would be fully funded under the agriculture appropriations measure, and the package restores the full borrowing cap of $30 billion for
oversees the Low-Income Home
Despite the shutdown, EMA remained
Energy Assistance Program (LIHEAP).
busy on Capitol Hill and with the
Six House Democrats joined
Administration. On October 29th,
Republicans to end the government
Senator Roger Wicker (R-MS), along
shutdown. Two Republicans, Reps.
with Senators Marsha Blackburn
Massie (R-KY) and Steube (R-KY),
(R-TN), Katie Britt (R-AL), Bill Cassidy
Energy Marketers of America Applauds Trump Administration's Crackdown on Unlawful Smoke Shops Selling Illegal Vapes
voted no.
(R-LA), Cindy Hyde-Smith (R-MS),
On Wednesday, the Energy
Tom Cotton (R-AR) and Tim Scott
Marketers of America (EMA),
Unfortunately, the bill to end the
(R-SC) sent a letter to Federal Motor
representing thousands of fuel
government shutdown effectively
Carrier Safety Administration (FMCSA)
wholesalers, fueling stations and
bans intoxicating hemp products,
Derek Barrs and Chief Counsel Jesse
convenience stores, praised
although the ban doesn't go into
Ellison urging FMCSA to implement a
President Trump's decisive
effect until one year after the date
preemptive and proactive policy for
crackdown on rogue smoke shops
of enactment. Specifically, the bill
hours-of-service (HOS) exemptions
selling illegal, unregulated products-
was designed to close the "hemp
to ensure the seamless delivery of
restoring fairness to retail and
loophole" thereby changing the
essential motor fuels during major
shielding families and kids from harm.
definition of hemp from previous
disasters, hurricanes, and regional
farm bill language to preclude all
emergencies. EMA has been working
Legitimate retailers watch these
but naturally occurring derivatives of
closely with these Senate offices and
unlawful smoke shops set up shop
hemp products with lower than 0.3
FMCSA to advance this priority on
next door, dodging ID checks,
percent THC content by dry weight.
behalf of our members.
taxes, and safety rules while pushing
the Commodity Credit Corporation.
flight reductions and more than 50
Government funding outside of
percent of flights being delayed or
these three appropriations bills
canceled, and the Supreme Court
is funded through January 30,
delayed the restoration of SNAP
including the Department of Health
benefits pending appeal.
and Human Services (HHS), which
untested junk to minors. For too long, they operated unchecked. Now,
extending ACA subsidies, stopping
EMA Urges Congress to Pass the Energy Choice Act
rescissions and impoundments, or
This week, the Energy Marketers of
Key wins: HHS and CBP's record
restoring OBBB Medicaid funding.
America (EMA) sent a letter to House
seizure of 4.7 million illegal e-cigs
Consequently, the deal is deeply
Energy Subcommittee Chairman Bob
worth $86.5 million-mostly from China.
unpopular with progressives who
Latta (R-OH) supporting passage of
FDA-CBP's $34 million Chicago vape
had hoped for greater GOP
the Energy Choice Act (H.R. 3699 / S.
haul earlier this year. New York's
concessions. Furthermore, the
1945) calling it the last line of defense
Operation Vapers' Dozen nailed
prospect for the ACA subsidy vote is
against state and local bans on
dozens of illicit vape distributors.
low because it will require a 60-vote
heating oil, gas and propane.
threshold, rather than the 50-vote
The Energy Choice Act would
State takedowns crush networks:
threshold Democrats had sought,
prevent governments from blocking
Louisiana's Operation Vape Out-
and even if it passes the Senate, it is
any energy source, from heating oil
10 arrests, $1M+ seized. Florida's
not guaranteed to pass a vote in the
to renewable biofuels. It protects
Operation Smoke Signals-27 busted
House. The agreement took place
choice, fuels competition, and keeps
across 20 stores for sales to kids. North
against a critical context where air
low-carbon options like renewable
Carolina's Operation Smoke and
traffic control capacity reached
diesel in play.
Mirrors-13 shops shuttered, linked
While Republicans agreed to hold a December vote on a Democrat ACA subsidy extension, the overall agreement did not incorporate key Democrat demands, such as
critical levels, leading to ordered F U E L I O WA // w w w. F U E L I o w a . c o m
Trump's all-of-government blitzspearheaded by FDA, CBP, and DOJis turning the tide, boosting market integrity and public health.
to drugs and trafficking. Orange 39
County, CA cops seized hundreds of pounds of contraband from phony retailers. Illicit vape imports have become a lucrative enterprise for foreign manufacturers, primarily in China, with products featuring candy flavors and bright packaging aimed at children. In contrast, responsible convenience stores train employees to verify ages, pay all required taxes, and sell only compliant products under state and federal law. The Administration's coordinated enforcement has renewed confidence among legitimate operators. By seizing millions of illicit vapes and closing unlawful smoke shops, it sends a powerful message: the days of selling illicit vapes are over. EMA urges continued momentum, including sustained coordination and resources for state and local law enforcement on the front lines. Allocating a portion of federal enforcement funds directly to local agencies will enhance investigations, seizures, and prosecutions. "Honest retailers-family-run, community-based small businessesseek only a level playing field. Each shutdown of a rouge smoke shop selling illegal vaping products restores fairness to those who play by the rules. Strict enforcement ultimately protects consumers, shields children, and enables law-abiding businesses to thrive," said EMA President Rob Underwood.
Energy Marketers of America Raises Alarm Over Visa and Mastercard's Proposed Settlement on Swipe Fees This week, the Energy Marketers of America (EMA) expressed deep concern over the reported terms of a new proposed settlement between Visa, Mastercard, and U.S. retailers, calling it "insufficient relief in the face of years of unchecked fee increases." The Wall Street Journal broke the story. The settlement, filed on November 10 in federal court in Brooklyn, New York, comes nearly 20 years after the original antitrust lawsuit was launched and follows the rejection of a prior $30 billion agreement in 2024. While it includes a modest 0.1% (10 basis point) reduction in interchange fees for five years and new flexibility for retailers to decline high-fee rewards cards, EMA warns the deal falls far short of delivering meaningful, long-term relief." Swipe fees have exploded in recent years-reaching $111 billion in 2024 alone-while this settlement offers only temporary, minimal relief," said Rob Underwood, President of Energy Marketers of America. "The devil is in the details, and the proposed settlement raises more questions than answers. Energy marketers cannot afford another hollow compromise."
40
Key concerns include: • Minimal Fee Reduction: A 0.1%
cut for just five years does not
offset the 70% surge in swipe
fees since the pandemic,
leaving fuel retailers-who
operate on razor-thin margins-
without sustainable relief.
• Rewards Card Loophole Risk:
While retailers may decline
entire
categories of cards, it remains
unclear whether accepting
one rewards card would require
accepting all-potentially
allowing Visa and Mastercard
to reclassify non-rewards cards
with token rewards to preserve
high fees.
• Consumer and Sales Impact:
With 70% of transactions
involving rewards cards, refusing
them could drive customers
to competitors, forcing retailers
into an untenable choice
between profitability and
customer loyalty.
EMA supports fair competition and transparency in payment processing but urges the court to demand stronger, permanent safeguards before approving any agreement." America's energy marketers deserve a settlement that reflects the true cost burden they've endured-not one that protects network profits at the expense of Main Street businesses," Underwood added. EMA will continue monitoring developments as the proposed settlement moves toward judicial review.
EMA Regulatory Reminder: Energy Marketers Sound Alarm: EPA's Proposed RFS Reallocation Could Slam Businesses with Higher Costs Recently, the Energy Marketers of America (EMA) - representing the nation's fuel distributors and retailers -- urged the EPA to not reallocate small refinery exemptions (SREs). Shifting exempted renewable fuel volumes from small refiners back onto larger ones could likely spike RIN prices, rack fuel costs, and squeeze branded marketers caught in long-term contracts - all while lacking clear legal backing. The Renewable Fuel Standard (RFS) mandates blending biofuels into gasoline and diesel, enforced via Renewable Identification Numbers (RINs). Small refineries can petition for SREs if compliance causes "disproportionate economic hardship." In August 2025, EPA granted a slew of SREs, exempting 11.4 billion gallons of 2023-2024 fuel - translating to billions in waived Renewable Volume Obligations (RVOs). EPA's Supplemental Notice of Proposed Rulemaking (SNPRM) for 2026-2027 RFS volumes - out September 18 - floats two coproposals: 100% or 50% reallocation of those volumes to non-exempt refiners. Biofuel advocates demand 100% reallocation to shield farmers from lost demand - projecting $7.5 billion
F U E L I O WA // w w w. F U E L I o w a . c o m
to quickly release LIHEAP funds that have been frozen for over six weeks. Recognizing the impact hit to soy growers without it. Refiners and downstream players warn of $70 billion plus annual consumer costs from RFS overall, with reallocation piling on billions more. EMA speaks for 48 state associations, and 80% of U.S. motor/heating fuels via 60,000 retail stations and supplying 40,000 more. Most are small to medium sized businesses, below-therack, non-blenders who are hypersensitive to upstream shocks. Supplemental RFS comments were due recently and there is no timeline on when EPA plans to issue final volumes for 2026 and 2027. Articles for November 21, 2025
Inside the Beltway Update With only four weeks scheduled for the remainder of 2025, Congress is prioritizing passage of the National Defense Authorization Act (NDAA), which will likely be the last legislative vehicle this year. Even so, both Chambers are actively pursuing opportunities to pass individual bills and prepare for an active legislative agenda in Q1 2026. This week, the US House of Representatives passed the REFINER Act which is described as ensuring U.S. refineries are being used effectively to produce the oil, gas, and other critical feedstocks. The House also passed the Unlocking our Domestic LNG Potential Act to expand American energy production and infrastructure by removing U.S. LNG export restrictions. Following the government’s reopening, Congress is urging HHS Secretary Robert F. Kennedy Jr.
this has on millions of low-income households in need of a warm home, a bipartisan group of lawmakers led by Sens. Reed (D-RI), Collins (RME), and Murkowski (R-AK) urged Secretary Kennedy to "immediately release the highest amount" of LIHEAP funding available under the continuing resolution. Although the administration says it will move swiftly, the record-long shutdown and prior LIHEAP staff layoffs may still slow distribution. States have expressed concern that it could take weeks for LIHEAP funds to reach households and are urging utilities to pause shutoffs in the meantime. The Trump Administration is reportedly considering delaying for one or two years its proposed cuts in incentives for imported biofuels amid pressure from U.S. refiners who argue the move could raise costs and tighten fuel supplies. EMA previously shared concerns with the Administration that the proposed changes could destabilize the biodiesel and renewable diesel markets, already reeling from the rocky transition in the emissions-based Section 45Z Clean Fuel Production Credit. The EPA’s proposal to reduce Renewable Identification Number (RIN) credits for imported fuels and feedstocks could inflate compliance costs and RIN prices, particularly impacting regions like the Northeast and Midwest that rely on imports. EMA opposed this change and advocated for a phased approach if it must proceed, to mitigate price shocks and supply chain disruptions. Additionally, while neutral on proposed volume targets for biomass-based diesel, EMA cautioned against further market design changes that could erode 41
investor confidence, highlighting
production of the penny with the
one year. This straightforward update
the need for regulatory certainty
last penny shipments to Federal
will ensure businesses can comply with
to recover from recent production
Reserve coin distribution centers
the law, serve customers efficiently,
declines and for long-term growth.
occurring in August 2025. With
and navigate an increasingly
no fresh supply, the existing pool
uncertain currency landscape.
Finally, the House Energy
of pennies will dwindle, leaving
Subcommittee approved the Energy
cash-reliant businesses unable to
Choice Act which represents growing
make exact change. Retailers are
support for protecting energy
increasingly concerned that this
affordability, reliability, and consumer
unavoidable shortfall could put
choice. EMA sent a letter to House
them at odds with state consumer-
Energy Subcommittee Chairman Bob
protection laws and are urgently
Latta (R-OH) supporting passage of
seeking clear federal guidance.
the Energy Choice Act (H.R. 3699 / S. 1945) last week calling it the last
Without a federal fix to the penny
line of defense against state and
shortage, states and localities
local bans on heating oil, gas and
with “exact change” laws could
propane.
ban rounding entirely, forcing retailers into legal gray zones or
The Energy Choice Act would
costly compliance headaches.
prevent governments from blocking
In an era of inflation and supply-
any energy source, from heating oil
chain volatility, small businesses
to renewable biofuels. It protects
cannot absorb another avoidable
choice, fuels competition, and keeps
regulatory burden.
low-carbon options like renewable diesel in play.
Bipartisan federal legislation now pending in Congress can address this problem, but only if it includes explicit federal preemption allowing retailers to round cash transactions to the nearest nickel. The Common Cents Act of 2025 (H.R. 3074 / S. 1525) - sponsored by Reps. McClain (R-MI) and Garcia (D-AZ) and Sens. Lummis (R-WY) and Gillibrand
Pennies Out: Why Retailers Need Changes to the “Common Cents Act” Now The penny is officially on its way out and small retailers are running out of
shortage, yet the current draft does not include language protecting small businesses that simply cannot provide exact change. We urge lawmakers to support small business retailers by making changes to the Common Cents Act to add clear federal preemption
time to adapt.
and rounding authority to the
In May 2025, at President Trump’s
effective immediately or within 30-
direction, the U.S. Treasury ended
42
(D-NY) - aims to solve the penny
nearest nickel for cash transactions 90 days of enactment, rather than
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F U E L I O WA // w w w. F U E L I o w a . c o m
43
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