Private Student Loan Bankruptcy Fairness Act of 2011

Bankruptcy as it relates to consumer loans, including HR2028, S1102

Client expense: $400,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues pertaining to Title IV of the HEA; H. Con. Res.112, Establishing the budget for the United States Government for fiscal year 2013 and setting forth appropriate budgetary levels for fiscal years 2014 through 2022; FY 2013 President's Budget; S. 1102, Fairness for Struggling Students Act of 2011, all provisions; HR 2028, Private Student Loan Bankruptcy Fairness Act of 2011, all provisions; S. 3295, An original bill making appropriations for the Departments of Labor, Health and Human Services, and Education, and related agencies for the fiscal year ending September 30, 2013, and for other purposes, all provisions and issues pertaining to the collections of defaulted federal student loans.

Client expense: $450,000 · Firm income: Not reported

Government targets: Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

We have had communications with the CFPB regarding issues related to the implementation of H.R. 4173, the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010; Issues pertaining to pre-paid cards and debit cards; HR 2028, Private Student Loan Bankruptcy Fairness Act of 2011, all provisions.

Client expense: $450,000 · Firm income: Not reported

Government targets: Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

S.2280 -- Know Before You Owe Private Student Loan Act of 2012 H.R.2028 -- Private Student Loan Bankruptcy Fairness Act of 2011

Client expense: $220,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

see next page Issues Related To Small Business S. 509 Small Business Lending Enhancement Act of 2011 H.R. 1418 Small Business Lending Enhancement Act of 2011 Issues Related To Data Security/Privacy S. 799 Commercial Privacy Bill of Rights Act of 2011 H.R. 1528 Consumer Privacy Protection Act of 2011 Issues Related To Banking S. 222 Limiting Investor and Homeowner Loss in Foreclosure Act of 2010 H.R. 1249 Leahy-Smith America Invents Act H.J.Res.48 Additional Continuing Appropriations Amendments, 2011 H.R. 1473 Department of Defense and Full-Year Continuing Appropriations Act, 2011 H.R. 3035 Mobile Informational Call Act of 2011 S. 23 America Invents Act S. 1829 Empowering State's Rights To Protect Consumers Act H.R. 3671 Consolidated Appropriations Act, 2012 H.R. 3461 Financial Institutions Examination Fairness and Reform Act H.R. 4367 To amend the Electronic Fund Transfer Act to limit the fee disclosure requirement for an automatic teller machine to the screen of that machine S. 3204 A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, and for other purposes S. 3394 A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection, and for other purposes. S. 2099 A bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection. H.R. 4014 To amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection. Issues Related To CFPB H.R. 1315 Consumer Financial Protection Safety and Soundness Improvement Act of 2011 H.R. 1121 Responsible Consumer Financial Protection Regulations Act of 2011 S. 737 Responsible Consumer Financial Protection Regulations Act of 2011 H.R. 3871 Proprietary Information Protection Act of 2012 S. 2055 A bill to amend the Federal Deposit Insurance Act with respect to the protection of certain information Issue Related To Budget Presidents FY2012 Budget Proposal Issues Related To Cyber Security H.R. 3523 The Cyber Intelligence Sharing and Protection Act H.R. 3674 The Promoting and Enhancing Cybersecurity and Information Sharing Effectiveness (PRECISE) Act S. 2105 The Cybersecurity Act of 2012 H.R. 4263 SECURE IT Act of 2012 H.R. 2096 Cybersecurity Enhancement Act of 2012 S. 2151 SECURE IT Issues Related To Bankruptcy S. 1102 The Fairness for Struggling Students Act of 2011 H.R. 2028 The Private Student Loan Bankruptcy Fairness Act of 2011

Bankruptcy as it relates to consumer loans, including HR2028, S1102

Client expense: $330,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 2492 To Amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based; H.R. 2028 Private Student Loan Bankruptcy Fairness Act of 2011; S. 1102 Fairness for Struggling Students Act of 2011; H.R. 6488 to coordinate the reduction on the American Opportunity Tax Credit with Federal Pell Grants, to the extent such grants are attributable to expenses not eligible for such credit; S. 2032 Protect Our Students and Taxpayers Act; S. 2280/H.R. 6273 requiring mandatory certification of all self-certified private loans; S.2241 GI Bill Consumer Awareness Act of 2012; H.R. 4348 Public Law No. 112-141 Moving Ahead for Progress in the 21st Century Act; S. 2343 Stop the Student Loan Interest Rate Hike Act of 2012; S. 3244/H.R. 6506 Understanding the True Cost of College Act of 2012; S. 2296/H.R. 4390 prohibitions on use of higher education funds for advertising, marketing, or recruiting; H.R. 4055/S. 2116 Military and Veterans Education Protection Act; S. 3474 Protecting Students from Worthless Degrees Act; S. 3550 Advancing College Choice and Ethics to Protect Taxpayers Act of 2012; S. 3557 to prohibit predispute arbitration agreements in enrollment contracts

Client expense: Not reported · Firm income: $20,000

S.2280 -- Know Before You Owe Private Student Loan Act of 2012 H.R.2028 -- Private Student Loan Bankruptcy Fairness Act of 2011

Client expense: $310,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

see next page Issues Related To Small Business S. 509 Small Business Lending Enhancement Act of 2011 H.R. 1418 Small Business Lending Enhancement Act of 2011 Issues Related To Data Security/Privacy S. 799 Commercial Privacy Bill of Rights Act of 2011 H.R. 1528 Consumer Privacy Protection Act of 2011 Issues Related To Banking S. 222 Limiting Investor and Homeowner Loss in Foreclosure Act of 2010 H.R. 1249 Leahy-Smith America Invents Act H.J.Res.48 Additional Continuing Appropriations Amendments, 2011 H.R. 1473 Department of Defense and Full-Year Continuing Appropriations Act, 2011 H.R. 3035 Mobile Informational Call Act of 2011 S. 23 America Invents Act S. 1829 Empowering State's Rights To Protect Consumers Act H.R. 3671 Consolidated Appropriations Act, 2012 H.R. 3461 Financial Institutions Examination Fairness and Reform Act H.R. 4367 To amend the Electronic Fund Transfer Act to limit the fee disclosure requirement for an automatic teller machine to the screen of that machine S. 3204 A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, and for other purposes Issues Related To CFPB H.R. 1315 Consumer Financial Protection Safety and Soundness Improvement Act of 2011 H.R. 1121 Responsible Consumer Financial Protection Regulations Act of 2011 S. 737 Responsible Consumer Financial Protection Regulations Act of 2011 H.R. 3871 Proprietary Information Protection Act of 2012 S. 2055 A bill to amend the Federal Deposit Insurance Act with respect to the protection of certain information Issue Related To Budget Presidents FY2012 Budget Proposal Issues Related To Cyber Security H.R. 3523 The Cyber Intelligence Sharing and Protection Act H.R. 3674 The Promoting and Enhancing Cybersecurity and Information Sharing Effectiveness (PRECISE) Act S. 2105 The Cybersecurity Act of 2012 Issues Related To Bankruptcy S. 1102 The Fairness for Struggling Students Act of 2011 H.R. 2028 The Private Student Loan Bankruptcy Fairness Act of 2011

Bankruptcy as it relates to consumer loans, including HR 2028, S 1102

Client expense: $370,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 2492 To Amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based; HR 2028 Private Student Loan Bankruptcy Fairness Act of 2011; S.1102 Fairness for Struggling Students Act of 2011; S.1068 Student Loan Simplification and Opportunity Act of 2011; HR 6488 To amend the Internal Revenue Code of 1986 to coordinate the reduction in the American Opportunity Tax Credit with Federal Pell Grants, to the extent such grants are attributable to expenses not eligible for such credit; S.2032 Protecting Our Students and Taxpayers Act; S.2280 Know Before You Owe Act; S.2241 GI Bill Consumer Awareness Act of 2012; HR 6064, the Temporary Surface Transportation Extension Act of 2012; S.2343 Stop the Student Loan Interest Rate Hike Act of 2012; S.3244 Understanding the true cost of College Act of 2012; S.2296 Protecting Financial Aid for Students and Taxpayers Act; HR 4101 Fair Debt Collection Practices Clarification Act of 2012; HR 4055/S.2116 Military and Veterans Education Protection Act

Client expense: Not reported · Firm income: $20,000

Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, SENATE

Issues pertaining to Title IV of the HEA; H. Con. Res.112, Establishing the budget for the United States Government for fiscal year 2013 and setting forth appropriate budgetary levels for fiscal years 2014 through 2022; FY 2013 President's Budget; S. 1102, Fairness for Struggling Students Act of 2011, all provisions; HR 2028, Private Student Loan Bankruptcy Fairness Act of 2011, all provisions; S. 3295, An original bill making appropriations for the Departments of Labor, Health and Human Services, and Education, and related agencies for the fiscal year ending September 30, 2013, and for other purposes, all provisions and issues pertaining to the collections of defaulted federal student loans.

Client expense: $460,000 · Firm income: Not reported

Government targets: Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

President's FY2013 Budget Proposal FY 2013 LHHS and ED appropriation bill in House FY 2013 LHHS and ED appropriation bill in Senate H.R.2028 Private Student Loan Bankruptcy Fairness Act of 2011

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

see next page Issues Related To Small Business S. 509 Small Business Lending Enhancement Act of 2011 H.R. 1418 Small Business Lending Enhancement Act of 2011 Issues Related To Data Security/Privacy S. 799 Commercial Privacy Bill of Rights Act of 2011 H.R. 1528 Consumer Privacy Protection Act of 2011 Issues Related To Banking S. 222 Limiting Investor and Homeowner Loss in Foreclosure Act of 2010 H.R. 1249 Leahy-Smith America Invents Act H.J.Res.48 Additional Continuing Appropriations Amendments, 2011 H.R. 1473 Department of Defense and Full-Year Continuing Appropriations Act, 2011 H.R. 3035 Mobile Informational Call Act of 2011 S. 23 America Invents Act S. 1829 Empowering State's Rights To Protect Consumers Act H.R. 3671 Consolidated Appropriations Act, 2012 H.R. 3461 Financial Institutions Examination Fairness and Reform Act Issues Related To CFPB H.R. 1315 Consumer Financial Protection Safety and Soundness Improvement Act of 2011 H.R. 1121 Responsible Consumer Financial Protection Regulations Act of 2011 S. 737 Responsible Consumer Financial Protection Regulations Act of 2011 Issue Related To Budget Presidents FY2012 Budget Proposal Issues Related To Cyber Security H.R. 3523 The Cyber Intelligence Sharing and Protection Act H.R. 3674 The Promoting and Enhancing Cybersecurity and Information Sharing Effectiveness (PRECISE) Act S. 2105 The Cybersecurity Act of 2012 Issues Related To Bankruptcy S. 1102 The Fairness for Struggling Students Act of 2011 H.R. 2028 The Private Student Loan Bankruptcy Fairness Act of 2011

Issues pertaining to Title IV of the HEA; H. Con. Res.112, Establishing the budget for the United States Government for fiscal year 2013 and setting forth appropriate budgetary levels for fiscal years 2014 through 2022; FY 2013 President's Budget; S. 1102, Fairness for Struggling Students Act of 2011, all provisions; HR 2028, Private Student Loan Bankruptcy Fairness Act of 2011, all provisions.

Client expense: $1,310,000 · Firm income: Not reported

Government targets: Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

HR 2492 To Amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based; HR 2028 Private Student Loan Bankruptcy Fairness Act of 2011; S.1102 Fairness for Struggling Students Act of 2011; S.1068 Student Loan Simplification and Opportunity Act of 2011; HR 6488 To amend the Internal Revenue Code of 1986 to coordinate the reduction in the American Opportunity Tax Credit with Federal Pell Grants, to the extent such grants are attributable to expenses not eligible for such credit; S.2032 Protecting Our Students and Taxpayers Act; S.2280 Know Before You Owe Act; S.2116 Military and Veteran Education Protection Act; HR 4055 Military and Veteran Education Protection Act

Client expense: Not reported · Firm income: $10,000

Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, SENATE

Bankruptcy as it relates to consumer loans, including HR 2028, S 1102

Client expense: $700,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 3699 Research Works Act HR 4004, S 2096 Federal Research Public Access Act S. 1102 Fairness for Struggling Students Act of 2011 HR 2028 Private Loan Bankruptcy Fairness Act of 2011 Issues related to Conflict of Interest, open access

Client expense: $120,000 · Firm income: Not reported

Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, SENATE, White House Office

Bankruptcy as it relates to consumer loans, including HR 2028.

Client expense: $610,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 2492 To Amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based; HR 2028 Private Student Loan Bankruptcy Fairness Act of 2011; S.1102 Fairness for Struggling Students Act of 2011; S.1068 Student Loan Simplification and Opportunity Act of 2011; Consolidated Appropriations Act of Fiscal Year 2012; HR 6488 To amend the Internal Revenue Code of 1986 to coordinate the reduction in the American Opportunity Tax Credit with Federal Pell Grants, to the extent such grants are attributable to expenses not eligible for such credit;

Client expense: Not reported · Firm income: $10,000

Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, SENATE

Bankruptcy as it relates to consumer loans, including HR 2028.

Client expense: $610,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 525, Veterinary Public Health Amendments Act H.R. 2028, Private Student Loan Bankruptcy Fairness Act S. 1102, Fairness for Struggling Students Act

Client expense: $180,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Office of Management & Budget (OMB), SENATE

S.1102 Fairness for Struggling Students Act H.R. 2028, Private Student Loan Bankruptcy Fairness Act

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 2492 To Amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based; HR 2028 Private Student Loan Bankruptcy Fairness Act of 2011; S.1102 Fairness for Struggling Students Act of 2011; S.1068 Student Loan Simplification and Opportunity Act of 2011; S.365 Budget Control Act of 2011; HR 6488 To amend the Internal Revenue Code of 1986 to coordinate the reduction in the American Opportunity Tax Credit with Federal Pell Grants, to the extent such grants are attributable to expenses not eligible for such credit; HR 3070 Making appropriations for the Departments of Labor, Health and Human Services, and Education, and related agencies for the fiscal year ending September 30, 2012, and for other purposes; S.1599 Departments of Labor, Health and Human Services, and Education, and Related Agencies Appropriations Act, 2012

Client expense: Not reported · Firm income: $10,000

Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, SENATE

Higher Education Opportunity Act - Public Law 110-315; HR 2492 To Amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based; HR 2028 Private Student Loan Bankruptcy Fairness Act of 2011; S.1102 Fairness for Struggling Students Act of 2011; S. 782 Economic Development Revitalization Act of 2011; S.1068 Student Loan Simplification and Opportunity Act of 2011; Fiscal Year 2012 Budget Resolution; HR 6488 To amend the Internal Revenue Code of 1986 to coordinate the reduction in the American Opportunity Tax Credit with Federal Pell Grants, to the extent such grants are attributable to expenses not eligible for such credit; H.R. 1473 - Making Appropriations for the Department of Defense and the Other Departments and Agencies of the Government for the Fiscal Year Ending September 30, 2011;

Client expense: Not reported · Firm income: $20,000

Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, SENATE

Abortion in the Peace Corps, Abortion Rights in Louisiana, Abortion Rights in North Carolina, Crisis Pregnancy Centers, DC Abortion Coverage Ban, Ectopic Pregnancy, Federal Budget, Foxx Amendment to HR 1216, HR 2028 MARCH Act for Military Women, HR 3 No Taxpayer Funding for Abortion Act, Hyde Amendment, Pence Amendment, S 1214 MARCH Act for Military Women, S 906 No Taxpayer Funding for Abortion Act, State Litigation Work Nationwide

Client expense: $14,122 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE