Student Borrower Bankruptcy Relief Act of 2019

H.R. 2336, Family Farmer Relief Act of 2019 H.R. 2648, The Student Borrower Bankruptcy Relief Act H.R. 8235, Open Courts Act of 2020 H.R. 8366, The Protecting Homeowners in Bankruptcy Act

Client expense: $2,940,000 · Firm income: Not reported

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

Issues related to Cyber Security, Data Security & Breach Notification Issues related to Consumer Data Privacy Issues related to data aggregators Issues related to the Consumer Financial Protection Bureau Legislation related to establishing a commission at the CFPB Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act Issues related to anticipated rulemaking that would affect debt collection Issues related to Equal Credit Opportunity Act Issues related to CFPB Consumer Response Portal Issues related to CFPB Advisory Opinion Program Issues related to CFPB Taskforce on Consumer Financial Laws Issues related to CFPB Small-dollar Rule Issues related to Dodd-Frank Act, including Section 1071 Issues related to the Ability to Repay Rule, Qualified Mortgage Standards Issues related to Underbanked/Unbanked Consumers Issues related to CFPB No-Action Letter and Project Sandbox Proposal Issues related to CFPB agency guidance Issues related to Seila Law LLC v. Consumer Financial Protection Bureau H.R. 3629, Clarity in Credit Score Formation Act of 2019 H.R. 1423, Forced Arbitration Injustice Repeal Act Issues related to the Federal Reserves Regulation D Issues related to the OCCs Electronic Operations of Federal Savings Associations Issues related to COVID-19 pandemic Issues related to Pub. Law 116-136, Coronavirus Aid, Relief, and Economic Security Act H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions H.R. 7010, Paycheck Protection Program Flexibility Act of 2020 S. 4117, Paycheck Protection Program Small Business Forgiveness Act H.R. 7777, Paycheck Protection Program Small Business Forgiveness Act H.R. 266, Paycheck Protection Program and Health Care Enhancement Act H.R. 8406, The Heroes Act H.R. 8265, To amend the Small Business Act and the CARES Act to establish a program for second draw loans and make other modifications to the paycheck protection program, and for other purposes. S. 4321, Continuing Small Business Recovery and Paycheck Protection Program Act COVID-19 relief related amendments to S. 178 Issues related to the Heal, Economic Assistance, Liability Protection and Schools Act Issues related to the Paycheck Protection Program Issues related to stimulus payments from Treasury to Americans Issues related to the Main Street Lending Program Issues related to Student Loans Issues related to the reauthorization of the Higher Education Act Issues related to the CFPBs and Department of Educations actions on student lending Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to bankruptcy protections for student loans Issues related to federal student loan reform H.R. 1161 & S. 2015, The Student Loan Disclosure Modernization Act H.R. 811 & S. 234, Transparency in Student Lending Act H.R. 3621, Student Borrower Credit Improvement Act H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act H.R. 2674, the College Affordability Act H.R. 5294, Student Borrower Protection Act of 2019 H.R. 2648, Student Borrower Bankruptcy Relief Act of 2019 Issues related to AML-BSA Reform Issues related to FinCEN CDD Rule Issues related to Appropriations H.R. 264, Financial Services & General Government Appropriations Act, 2020 Issues related to guidance of Deposit Advance Products Issues related to the Fair Credit Reporting Act H.R. 3642, Improving Credit Reporting for All Consumers Act H.R. 953, To prohibit consumer reporting agencies from including adverse information in certain consumer reports, and from making adverse determinations relating to security clearances, with respect to certain individuals affected by the Government shutdown, and for other purposes. H.R. 1500, Consumers First Act Issues related to the Comprehensive Consumer Credit Reporting Reform Act of 2019 Issues related to the Community Reinvestment Act Issues related to the OCC, Federal Reserve, and FDIC modernization of the Community Reinvestment Act Issues related to financial regulatory coordination Issues related to SBA 7(a) Loan Program and fees Issues related to residential real estate appraisal thresholds H.R. 3614, Restricting Credit Checks for Employment Decisions Act H.R. 3618, Free Credit Scores for Consumer Act of 2019 H.R. 5050, the Veterans and Consumers Fair Credit Act Issues related to the Fair Housing Act Issues related to FinTech Issues related to the E-SIGN Act S. 4159, E-SIGN Modernization Act of 2020 Issues related to the OCC Innovation Pilot Program Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act H.R. 2513, the Corporate Transparency Act of 2019 H.R. 2514, the Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 S. 2563, the Improving Laundering Laws and Increasing Comprehensive Information Tracking of Criminal Activity in Shell Holdings Act H.R. 3375, The Stopping Bad Robocalls Act H.R. 1602/H.R. 2015/ S. 151, Telephone Robocall Abuse Criminal Enforcement and Deterrence Act or the TRACED Act Issues related to Parent Companies of Industrial Banks and Industrial Loan Companies Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Real Estate Settlement Procedures Issues, Regulation X, 12 CFR Part 1024 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Disclosure of Records and Information, 12 CFR Part 1070 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Telephone Consumer Protection Act, 47 U.S.C. 227 Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act Issues related to Small Business Act Issues related to FCC & FTC Do Not Call Registry Issues related to the Bank Secrecy Act and Anti-Money Laundering rules Issues related to the Counter Terrorism & Illicit Finance Act Issues related to the CFPB Request for Information Process Issues related to FinCEN Due Diligence Rule S.A.F.E. Mortgage Licensing Act - Regulation G Privacy of Consumer Financial Information - Regulation P Truth in Saving - Regulation DD Issues related to the FDIC Brokered deposits Rule and Interest Rule Restrictions Issues related to the National Bank Act Reserve Requirements Of Depository Institutions Issues, Reg D, 12 CFE Part 204

Issues related to the discharge of private student loan debt, including: -HR 885 - Student Loan Bankruptcy Act of 2019 -HR 770 - Discharge Student Loans in Bankruptcy Act of 2019 -HR 2648 - Student Borrower Bankruptcy Relief Act

Client expense: $600,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

Bills in the Senate: S. XXXX Jumpstart GSE Reform Act (provides reforms in the GSEs and also requires congressional approval before specified administrative changes to GSEs can be implemented.) S.331: Home Loan Quality Transparency Act of 2019 (This bill amends the Home Mortgage Disclosure Act of 1975 to modify the exemptions from certain disclosure requirements.) S. 630: Arbitration Fairness for Consumers Act (This bill prohibits a predispute arbitration agreement from being valid or enforceable if it requires arbitration of an employment, consumer, antitrust, or civil rights dispute.) S. 635: Restoring Statutory Rights and Interests of the States Act (This bill amends the Federal Arbitration Act to invalidate arbitration agreements between parties in certain commercial contracts or transactions if they require arbitration of a claim for damages or injunctive relief brought by an individual or small business arising from the alleged violation of a federal or state statute, the U.S. Constitution, or a state constitution, unless the written agreement to arbitrate is entered into by both parties after the claim has arisen and pertains solely to an existing claim.) S. 608: Court Legal Access and Student Support (CLASS) Act (This bill makes procedures for the enforcement of arbitration agreements inapplicable to an enrollment agreement between a student and an institution of higher education (IHE).) S. 672: Debt Free College Act, This bill establishes State-Federal partnerships to provide students the opportunity to attain higher education at in-State public institutions of higher education without debt, to provide Federal Pell Grant eligibility to DREAMer students, to repeal suspension of eligibility under the Higher Education Act of 1965 for drug-related offenses, and for other purposes. S. 720: the CFPB Student Loan Integrity Act, This bill requires the student loan ombudsman of the Department of Education to provide student loan data to the Bureau of Consumer Financial Protection, and for other purposes. S.867: PROTECT Students Act of 2019 ; To protect students of institutions of higher education and the taxpayer investment in institutions of higher education by improving oversight and accountability of institutions of higher education, particularly for-profit colleges, improving protections for students and borrowers, and ensuring the integrity of postsecondary education programs, and for other purposes S. 1074: the REAL Act, this bill reinstates Federal Pell Grant eligibility for individuals incarcerated in Federal and State penal institutions, and for other purposes. S. 1230, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) S. 1354: the Student Loan Borrower Bill of Rights, this bill requires certain protections for student loan borrowers, and for other purposes. S. 1414: the Student Borrower Bankruptcy Relief Act, To provide bankruptcy relief for student borrowers. S. XXXX: the Know Before You Owe Private Student Loan Act, to prevent unnecessary private student loan debt and improve transparency S XXXX: Higher Education Act Reauthorization, a bill to reauthorize the higher education act S. XXXX: Unnamed bill to limit interest on consumer loans to 36% Bills in the House: H.R. 6, American Dream and Promise Act, To authorize the cancellation of removal and adjustment of status of certain aliens, and for other purposes. H.R. 963, amends the Home Mortgage Disclosure Act of 1975 to modify the exemptions from certain disclosure requirements H.R. 1500, the Consumers First Act, This bill revises provisions related to the administration of the Consumer Financial Protection Bureau (CFPB), including establishing requirements for staffing levels, political appointees, and the publication of consumer complaints regarding consumer financial products or services. H.R. 1571, the Debt Free College Act, To establish State-Federal partnerships to provide students the opportunity to attain higher education at in-State public institutions of higher education without debt, to provide Federal Pell Grant eligibility to DREAMer students, to repeal suspension of eligibility under the Higher Education Act of 1965 for drug-related offenses, and for other purposes. H.R.2648 - Student Borrower Bankruptcy Relief Act of 2019, To provide bankruptcy relief for student borrowers. H.R. XXX, amends the Fair Credit Reporting Act to delay the inclusion in consumer credit reports and to establish requirements for debt collectors with respect to medical debt information of veterans due to inappropriate or delayed billing payments or reimbursements from the Department of Veterans Affairs, and for other purposes. H.R. 2750, Justice for Servicemembers Act, To amend title 9 of the United States Code to prohibit predispute arbitration agreements that force arbitration of certain disputes arising from claims of service members and veterans. H.R. 3027, Student Loan Borrower Bill or Rights, To require certain protections for student loan borrowers, and for other purposes. H.R. 3163, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2020 H.R. 3351 Financial Services and General Government Appropriations Act, 2020 H.R. 3375, Stop Bad Robocalls Act, To amend the Communications Act of 1934 to clarify the prohibitions on making robocalls, and for other purposes. H.R. 3512, PROTECT Students Act of 2019, To protect students of institutions of higher education and the taxpayer investment in institutions of higher education by improving oversight and accountability of institutions of higher education, particularly for-profit colleges, improving H.R. 6543, the Aim Higher Act, to amend and strengthen the Higher Education Act of 1965 so that every student has a path to a quality, debt-free degree or credential that leads to a rewarding career. H.R. XXXX, Protecting Consumers Access to Credit Act (This bill amends the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to state that bank loans that are valid when made as to their maximum rate of interest in accordance with federal law shall remain valid with respect to that rate regardless of whether a bank has subsequently sold or assigned the loan to a third party.) H.R. XXXX, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) H.R. 3674 the College Affordability Act, a bill to lower the costs of college for students and improve the quality of education H. R. 4724, To amend the definition of institution of higher education under the Higher Education Act of 1965 to exclude proprietary institutions of higher education, and for other purposes. H. R. 5294, To amend the Truth in Lending Act to establish a postsecondary education loan borrower bill of rights and to require certain creditors to obtain private loan certifications from institutions of higher education, to amend the Fair Credit Reporting Act to require the Bureau of Consumer Financial Protection to issue rules to establish standards for reporting information related to student loans to consumer reporting agencies, and for other purposes. H. R. 4545, To provide for the discharge of a private education loan in the case of death or total and permanent disability of a student obligor, and for other purposes. H.J.Res.76, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Education relating to "Borrower Defense Institutional Accountability" H. R. 5287 , To amend the Fair Debt Collection Practices Act to prohibit debt collectors from collecting on certain Federal student loan debt when the borrower would not be required to make payments under an income-driven repayment plan, and for other purposes. HR 5050 / s 2833, To amend the Truth in Lending Act to extend the consumer credit protections provided to members of the Armed Forces and their dependents under title 10, United States Code, to all consumers HR 5363/HR 2486/ HR 5368/ Public law No. 116-91, This bill permanently authorizes funding for minority-serving institutions of higher education and increases the authorization of appropriations for Pell Grants. H. R. 166, To establish an Office of Fair Lending Testing to test for compliance with the Equal Credit Opportunity Act, to strengthen the Equal Credit Opportunity Act and to provide for criminal penalties for violating such Act, and for other purposes H.R. 4674, To amend and strengthen the Higher Education Act to help students H.R. 5330, Consumer Protections for Medical Debt Collections Act, a bill which would provide relief to those struggling with health problems and medical debt by preventing collection of medical debt for two years from the date of the medical billing. H.R. 5287, Fair Student Loan Debt Collection Practices Act, a bill that would amend the Fair Debt Collection Practices Act to prohibit debt collectors from collecting on certain Federal student loan debt when the borrower would not be required to make payments under an income-driven repayment plan. H.R. 5021, The Ending Debt Collection Harassment Act of 2019, a bill to amend the Fair Debt Collection Practices Act (FDCPA) to prohibit a debt collector from contacting a consumer by email or text message without a consumers consent to be contacted electronically, and prohibits the Consumer Financial Protection Bureau (CFPB) from issuing any rules implementing the FDCPA that allow a debt collector to send unlimited email and text messages to a consumer. H.R. 5013, The Small Business Fair Debt Collection Protection Act, a bill that expands the FDCPAs protections to cover small business loans H.R. 5003, The Fair Debt Collection Practices for Servicemembers Act, a bill by that amends the FDCPA to prohibit debt collectors from threatening servicemembers or their families to have a servicemembers rank reduced, have their security clearance revoked, have them prosecuted under the Uniform Code of Military Justice, or communicating with a servicemembers chain of command to locate a servicemember. H.R. 5001, The Non-Judicial Foreclosure Debt Collection Clarification Act, a bill that reverses the recent Supreme Court decision in Obduskey versus McCarthy and Holthus LLP by amending the FDCPA to clarify that entities in non-judicial foreclosure proceedings are covered by the law H.R. 4403, The Stop Debt Collection Abuse Act, a bill that extends the FDCPAs protections as it relates to debt owed to a federal agency, limits the fees debt collectors can charge, and clarifies that debt buyers are subject to FDCPA H.R. 3948, The Debt Collection Practices Harmonization Act, a bill that clarifies that private debt collectors who pursue debts such as municipal utility bills, tolls, traffic tickets, and court debts are subject to the FDCPA H.R. 3490,The Small Business Lending Fairness Act, a bill that would amend the Truth in Lending Act (TILA) to restrict the use of predatory small business loan contract clauses called confessions of judgment.

Bills in the Senate: S. XXXX Jumpstart GSE Reform Act (provides reforms in the GSEs and also requires congressional approval before specified administrative changes to GSEs can be implemented.) S.331: Home Loan Quality Transparency Act of 2019 (This bill amends the Home Mortgage Disclosure Act of 1975 to modify the exemptions from certain disclosure requirements.) S. 630: Arbitration Fairness for Consumers Act (This bill prohibits a predispute arbitration agreement from being valid or enforceable if it requires arbitration of an employment, consumer, antitrust, or civil rights dispute.) S. 635: Restoring Statutory Rights and Interests of the States Act (This bill amends the Federal Arbitration Act to invalidate arbitration agreements between parties in certain commercial contracts or transactions if they require arbitration of a claim for damages or injunctive relief brought by an individual or small business arising from the alleged violation of a federal or state statute, the U.S. Constitution, or a state constitution, unless the written agreement to arbitrate is entered into by both parties after the claim has arisen and pertains solely to an existing claim.) S. 608: Court Legal Access and Student Support (CLASS) Act (This bill makes procedures for the enforcement of arbitration agreements inapplicable to an enrollment agreement between a student and an institution of higher education (IHE).) S. 672: Debt Free College Act, This bill establishes State-Federal partnerships to provide students the opportunity to attain higher education at in-State public institutions of higher education without debt, to provide Federal Pell Grant eligibility to DREAMer students, to repeal suspension of eligibility under the Higher Education Act of 1965 for drug-related offenses, and for other purposes. S. 720: the CFPB Student Loan Integrity Act, This bill requires the student loan ombudsman of the Department of Education to provide student loan data to the Bureau of Consumer Financial Protection, and for other purposes. S.867: PROTECT Students Act of 2019 ; To protect students of institutions of higher education and the taxpayer investment in institutions of higher education by improving oversight and accountability of institutions of higher education, particularly for-profit colleges, improving protections for students and borrowers, and ensuring the integrity of postsecondary education programs, and for other purposes S. 1074: the REAL Act, this bill reinstates Federal Pell Grant eligibility for individuals incarcerated in Federal and State penal institutions, and for other purposes. S. 1230, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) S. 1354: the Student Loan Borrower Bill of Rights, this bill requires certain protections for student loan borrowers, and for other purposes. S. 1414: the Student Borrower Bankruptcy Relief Act, To provide bankruptcy relief for student borrowers. S. XXXX: the Know Before You Owe Private Student Loan Act, to prevent unnecessary private student loan debt and improve transparency S XXXX: Higher Education Act Reauthorization, a bill to reauthorize the higher education act S. XXXX: Unnamed bill to limit interest on consumer loans to 36% Bills in the House: H.R. 6, American Dream and Promise Act, To authorize the cancellation of removal and adjustment of status of certain aliens, and for other purposes. H.R. 963, amends the Home Mortgage Disclosure Act of 1975 to modify the exemptions from certain disclosure requirements H.R. 1500, the Consumers First Act, This bill revises provisions related to the administration of the Consumer Financial Protection Bureau (CFPB), including establishing requirements for staffing levels, political appointees, and the publication of consumer complaints regarding consumer financial products or services. H.R. 1571, the Debt Free College Act, To establish State-Federal partnerships to provide students the opportunity to attain higher education at in-State public institutions of higher education without debt, to provide Federal Pell Grant eligibility to DREAMer students, to repeal suspension of eligibility under the Higher Education Act of 1965 for drug-related offenses, and for other purposes. H.R.2648 - Student Borrower Bankruptcy Relief Act of 2019, To provide bankruptcy relief for student borrowers. H.R. XXX, amends the Fair Credit Reporting Act to delay the inclusion in consumer credit reports and to establish requirements for debt collectors with respect to medical debt information of veterans due to inappropriate or delayed billing payments or reimbursements from the Department of Veterans Affairs, and for other purposes. H.R. 2750, Justice for Servicemembers Act, To amend title 9 of the United States Code to prohibit predispute arbitration agreements that force arbitration of certain disputes arising from claims of service members and veterans. H.R. 3027, Student Loan Borrower Bill or Rights, To require certain protections for student loan borrowers, and for other purposes. H.R. 3163, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2020 H.R. 3351 Financial Services and General Government Appropriations Act, 2020 H.R. 3375, Stop Bad Robocalls Act, To amend the Communications Act of 1934 to clarify the prohibitions on making robocalls, and for other purposes. H.R. 3512, PROTECT Students Act of 2019, To protect students of institutions of higher education and the taxpayer investment in institutions of higher education by improving oversight and accountability of institutions of higher education, particularly for-profit colleges, improving H.R. 6543, the Aim Higher Act, to amend and strengthen the Higher Education Act of 1965 so that every student has a path to a quality, debt-free degree or credential that leads to a rewarding career. H.R. XXXX, Protecting Consumers Access to Credit Act (This bill amends the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to state that bank loans that are valid when made as to their maximum rate of interest in accordance with federal law shall remain valid with respect to that rate regardless of whether a bank has subsequently sold or assigned the loan to a third party.) H.R. XXXX, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) H.R. 3674 the College Affordability Act, a bill to lower the costs of college for students and improve the quality of education

Bills in the Senate: S. XX Jumpstart GSE Reform Act (provides reforms in the GSEs and also requires congressional approval before specified administrative changes to GSEs can be implemented.) S.331: Home Loan Quality Transparency Act of 2019 (This bill amends the Home Mortgage Disclosure Act of 1975 to modify the exemptions from certain disclosure requirements.) S. 630: Arbitration Fairness for Consumers Act (This bill prohibits a predispute arbitration agreement from being valid or enforceable if it requires arbitration of an employment, consumer, antitrust, or civil rights dispute.) S. 635: Restoring Statutory Rights and Interests of the States Act (This bill amends the Federal Arbitration Act to invalidate arbitration agreements between parties in certain commercial contracts or transactions if they require arbitration of a claim for damages or injunctive relief brought by an individual or small business arising from the alleged violation of a federal or state statute, the U.S. Constitution, or a state constitution, unless the written agreement to arbitrate is entered into by both parties after the claim has arisen and pertains solely to an existing claim.) S. 608: Court Legal Access and Student Support (CLASS) Act (This bill makes procedures for the enforcement of arbitration agreements inapplicable to an enrollment agreement between a student and an institution of higher education (IHE).) S. 672: Debt Free College Act, This bill establishes State-Federal partnerships to provide students the opportunity to attain higher education at in-State public institutions of higher education without debt, to provide Federal Pell Grant eligibility to DREAMer students, to repeal suspension of eligibility under the Higher Education Act of 1965 for drug-related offenses, and for other purposes. S. 720: the CFPB Student Loan Integrity Act, This bill requires the student loan ombudsman of the Department of Education to provide student loan data to the Bureau of Consumer Financial Protection, and for other purposes. S.867: PROTECT Students Act of 2019 ; To protect students of institutions of higher education and the taxpayer investment in institutions of higher education by improving oversight and accountability of institutions of higher education, particularly for-profit colleges, improving protections for students and borrowers, and ensuring the integrity of postsecondary education programs, and for other purposes S. 1074: the REAL Act, this bill reinstates Federal Pell Grant eligibility for individuals incarcerated in Federal and State penal institutions, and for other purposes. S. 1230, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) S. 1354: the Student Loan Borrower Bill of Rights, this bill requires certain protections for student loan borrowers, and for other purposes. S. 1414: the Student Borrower Bankruptcy Relief Act, To provide bankruptcy relief for student borrowers. S. XXXX: the Know Before You Owe Private Student Loan Act, to prevent unnecessary private student loan debt and improve transparency S XXX, Higher Education Act Reauthorization, a bill to reauthorize the higher education act. Bills in the House: H.R. 6, American Dream and Promise Act, To authorize the cancellation of removal and adjustment of status of certain aliens, and for other purposes. H.R. 963, amends the Home Mortgage Disclosure Act of 1975 to modify the exemptions from certain disclosure requirements H.R. 1500, the Consumers First Act, This bill revises provisions related to the administration of the Consumer Financial Protection Bureau (CFPB), including establishing requirements for staffing levels, political appointees, and the publication of consumer complaints regarding consumer financial products or services. H.R. 1571, the Debt Free College Act, To establish State-Federal partnerships to provide students the opportunity to attain higher education at in-State public institutions of higher education without debt, to provide Federal Pell Grant eligibility to DREAMer students, to repeal suspension of eligibility under the Higher Education Act of 1965 for drug-related offenses, and for other purposes. H.R.2648 - Student Borrower Bankruptcy Relief Act of 2019, To provide bankruptcy relief for student borrowers. H.R. XXXX, amends the Fair Credit Reporting Act to delay the inclusion in consumer credit reports and to establish requirements for debt collectors with respect to medical debt information of veterans due to inappropriate or delayed billing payments or reimbursements from the Department of Veterans Affairs, and for other purposes. H.R. 2750, Justice for Servicemembers Act, To amend title 9 of the United States Code to prohibit predispute arbitration agreements that force arbitration of certain disputes arising from claims of servicemembers and veterans. H.R. 3027, Student Loan Borrower Bill or Rights, To require certain protections for student loan borrowers, and for other purposes. H.R. 3163, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2020 H.R. 3351 Financial Services and General Government Appropriations Act, 2020 H.R. 3375, Stop Bad Robocalls Act, To amend the Communications Act of 1934 to clarify the prohibitions on making robocalls, and for other purposes. H.R. 3512, PROTECT Students Act of 2019, To protect students of institutions of higher education and the taxpayer investment in institutions of higher education by improving oversight and accountability of institutions of higher education, particularly for-profit colleges, improving H.R. 6543, the Aim Higher Act, to amend and strengthen the Higher Education Act of 1965 so that every student has a path to a quality, debt-free degree or credential that leads to a rewarding career. H.R. XXXX, Protecting Consumers Access to Credit Act (This bill amends the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to state that bank loans that are valid when made as to their maximum rate of interest in accordance with federal law shall remain valid with respect to that rate regardless of whether a bank has subsequently sold or assigned the loan to a third party.) H.R. XXXX, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.)

HR 2648 and S 1414 Student Borrower Bankruptcy Debt Relief Act S. 460 and HR 1043 Employer Participation in Repayment Act S. 1203 What You Can Do For Your Country Act Unintroduced House Senate legislation to reauthorize the Higher Education Act, specifically Public Service Loan Forgiveness and Title IV of the current HEA

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE