Eliminating the Hidden Student Loan Tax Act

Reauthorization of the Higher Education Act, including the Student Aid Improvement Act (S. 2557) and the College Affordability Act (H.R. 4674); time to completion for graduation rates (H.R. 3354/S. 3115); competency-based education (S. 2608/H.R. 4706); student outcome data system (S. 800/H.R. 1766); innovation in higher education (S. 1221); open educational resources; reverse transfer (H.R. 2768/S. 1490); student veterans issues; Universal Design for Learning; Federal Student Aid policies (H.R. 3674/S. 1696, H.R. 5363), including Pell grants (H.R. 3497/S. 839, H.R. 2168/S. 1074, H.R. 3803), work-study and campus-based aid, loan counseling, FAFSA simplification (H.R. 4240), and accountability; Child Care Access Means Parents in School programs (H.R. 2632/S. 1403); workforce and manufacturing proposals (S. 3273, S. 3704, and H.R. 6646); general programmatic support for community college programs; and policy issues and funding related to institutions of higher education and the federal response to the COVID-19 virus, including implementation of the CARES Act (P.L. 116-136), Coronavirus Relief Flexibility for Students and Institutions Act (S. 3947), the HEROES Act (H.R. 6800), the Coronavirus Response Additional Supplemental Appropriations Act, 2020 (S. 4320), and the Safely Back to School and Back to Work Act (S. 4322).

Client expense: Not reported · Firm income: $30,000

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

H.R.6379 Take Responsibility for Workers and Families Act S.3566Stop Overdraft Profiteering during COVID-19 Emergency Act of 2020 - to prohibit depository institutions from assessing overdraft and non-sufficient fund fees during the novel coronavirus crisis and other disasters, and for other purposes. S.3560Small Business and Consumer Emergency Credit Act - 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. S 3548To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. S.3509A bill to provide borrowers the right to request forbearance on mortgage loan payments due to a declared disaster, and for other purposes. H.R.6321 To provide financial protections and assistance for America's consumers, States, businesses, and vulnerable populations during the COVID-19 emergency and to recover from the emergency. H.R.6363 Student Debt Emergency Relief Act HR 748Coronavirus Aid, Relief, and Economic Security Act or the CARES Act - This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses H.R. 3674 the College Affordability Act, a bill to lower the costs of college for students and improve the quality of education 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" 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 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. XXXXthe 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. 3841To protect 2020 recovery rebates for individuals from assignment or garnishment, and for other purposes. S. 3620To establish a Housing Assistance Fund at the Department of the Treasury. This bill provides funds for assistance to homeowners to prevent mortgage defaults, foreclosures, and displacements of individuals and families experiencing financial hardship after January 21, 2020. H.R. 6741 COVID-19 Mortgage Relief Act, to amend the CARES Act to provide forbearance and foreclosure moratoriums for all mortgage loans, and for other purposes. H.R. 6800 Health and Economic Recovery Omnibus Emergency Solutions Act (HEROES Act). Among other things, the bill modifies and expands the Paycheck Protection Program, which provides loans and grants to small businesses and nonprofit organizations; extends and expands the moratorium on certain evictions and foreclosures S. 3685Emergency Rental Assistance and Rental Market Stabilization Act of 2020, a bill to provide emergency rental assistance under the Emergency Solutions Grants program of HUD in response to the public health emergency resulting from the coronavirus, and for other purposes. H.J. Res 90 A Congressional Review Act resolution of disapproval to nullify the OCCs Community Reinvestment Act rule S. 4098Coronavirus Housing Counseling Improvement Act, to provide funding for the Neighborhood Reinvestment Corporation Act, and for other purposes. H.R. 679 Promoting Access to Credit for Homebuyers Act of 2020, to promote access to mortgage credit during the COVID-19 pandemic by preventing restrictions on providing Federal backing for single-family mortgage loans in forbearance, and for other purposes. S. 4519Rent Emergencies Leave Impacts on Evicted Families Act (RELIEF Act), A bill to provide mortgage relief and to provide eviction relief for renters related to the COVID-19 pandemic S.4260 - Promoting Access to Credit for Homebuyers Act of 2020 S 4073 - the Neighborhood Homes Investment Act HR 6735, COVID-19 Fraud Prevention Act - This bill establishes the Consumer and Investor Fraud Working Group to prevent fraud during the COVID-19 (i.e., coronavirus disease 2019) pandemic. The working group must report monthly regarding resources available to consumers, public enforcement actions, and related consumer complaints. H.R.7889 - Small Business Lending Disclosure and Broker Regulation Act of 2020 H.R.8039 - Examining Educational Redlining in Lending Act S.4117 - Paycheck Protection Small Business Forgiveness Act. This bill modifies loan forgiveness under the Paycheck Protection Program established to support small businesses in response to COVID-19 (i.e., coronavirus disease 2019). S.4459 - CARES Congressional Oversight Commission Diversity Act of 2020. The bill would amend the CARES Act to modify the membership requirements of the Congressional Oversight Commission to ensure that groups disproportionately impacted by COVID-19 and the resulting economic recession are represented on the Commission. S.Res.711 - A resolution calling on the President of the United States to take executive action to broadly cancel Federal student loan debt. S.4321 - Continuing Small Business Recovery and Paycheck Protection Program Act. This bill establishes funding for, expands, and provides additional economic assistance to small businesses in response to COVID-19 (i.e., coronavirus disease 2019) S.4255 - Jobs and Neighborhood Investment Act. The legislation would provide eligible community development financial institutions (CDFIs) and Minority Depository Institutions (MDIs) with capital, liquidity, and operational capacity, to expand the flow of credit into underserved, minority, and historically disadvantaged communities, helping small businesses stay afloat and expand operations, while providing affordable access to credit for lower income borrowers. S.3742 - RELIEF for Main Street Act. This bill establishes for one year the Small Business Local Relief Program, which shall allocate resources to states, local governments, and Native American tribes for providing assistance to certain small businesses and nonprofits that have lost revenue due to COVID-19 (i.e., coronavirus disease 2019). S.4614 - Postal Banking Act. The Postal Banking Act would re-establish postal banking to provide financial security to millions of Americans in low-income and rural communities and create approximately $9 billion in annual revenue and strengthen USPS. H.R.6395 - William M. (Mac) Thornberry National Defense Authorization Act for Fiscal Year 2021. This bill authorizes FY2021 appropriations and sets forth policies for Department of Defense (DOD) programs and activities, including military personnel strengths. It does not provide budget authority, which is provided in subsequent appropriations legislation. H.Amdt.843 to H.R.6395. An amendment numbered 17 printed in House Report 116-457 to extend CARES student loan protections for private student loan borrowers who were left out of the CARES Act. It also amendment extends the private student loan protections to September 30, 2021. H.Amdt.840 to H.R.6395. Amendment provides up to $10,000 in immediate assistance to pay down the balance of private student loans, and requires the servicer to modify the loan when borrower payments resume. S.4237 - Student Loan Fairness Act. The Student Loan Fairness Act (S. 4237) will extend the CARES Act student loan relief to recipients of Perkins loans and commercially-held FFEL loans by covering the cost of interest and suspending monthly payments for the period of March 13 through September 30, 2020, and suspending all involuntary collection, such as administrative wage garnishment or offsets from tax refunds, for this period.

Reauthorization of the Higher Education Act (S. 2557) and the College Affordability Act (H.R. 4674); time to completion for graduation rates (H.R. 3354/S. 3115); competency-based education (S. 2608/H.R. 4706); student outcome data system (S. 800/H.R. 1766); innovation in higher education (S. 1221); open educational resources; reverse transfer (H.R. 2768/S. 1490); student veterans issues; Universal Design for Learning; Federal Student Aid policies (H.R. 3674/S. 1696, H.R. 5363), including Pell grants (H.R. 3497/S. 839, H.R. 2168/S. 1074, H.R. 3803), work-study and campus-based aid, loan counseling, FAFSA simplification (H.R. 4240), and accountability; Child Care Access Means Parents in School programs (H.R. 2632/S. 1403); workforce and manufacturing proposals (S. 3273, S. 3704, and H.R. 6646); general programmatic support for community college programs; and policy issues and funding related to institutions of higher education and the federal response to the COVID-19 virus, including Coronavirus Relief Flexibility for Students and Institutions Act (S. 3947), the CARES Act (S. 3548), the HEROES Act (H.R. 6800), and the HEALS Act (S. 1624).

Client expense: Not reported · Firm income: $30,000

Higher Education Act reauthorization; H.R. 4647, the College Affordability Act H.R. 1043/S.460, Employer Participation in Repayment Act Public Service Loan Forgiveness Program implementation S. 609, Protecting JOBs Act H.R. 2099, Wildlife Veterinarians Employment and Training Act S. 1428 Retirement Parity for Student Loans Act H.R. 3102 Helping Individuals Get a Higher Education while Reducing Education Debt (HIGHER ED) Act H.R. 3418 Protecting Our Students by Terminating Graduate Rates that Add to Debt Act (POST Grad Act) H.R. 2065/S. 1002 Affordable Loans for Any Student Act H.R. 2728/S. 1489 Joint Consolidation Loan Separation Act H.R. 2129/S. 1496 Empowering Students Though Enhanced Financial Counseling Act H.R. 3674 Eliminating the Hidden Student Loan Tax Act; S. 1696, Student Loan Tax Elimination Act of 2019 H.R. 2186 Student Loan Refinancing Act H.R. 3098 Student Loan Interest Deduction Act S. 379 To amend the Internal Revenue Code of 1986 to permit amounts paid for programs to obtain a recognized postsecondary credential or a license to be treated as qualified higher education expenses for purposes of a 529 account S. 1175 PSLF Technical Corrections Act Public Service Loan Forgiveness Program implementation S. 3760 Strengthening Loan Forgiveness for Public Servants During the COVID-19 Crisis Act

Client expense: Not reported · Firm income: $240,000

Reauthorization of the Higher Education Act (S. 2557) and the College Affordability Act (H.R. 4674); time to completion for graduation rates (H.R. 3354/S. 3115); competency-based education (S.2608/H.R. 4706); student outcome data system (S. 800/H.R. 1766); innovation in higher education (S. 1221); open educational resources; reverse transfer (H.R. 2768/S. 1490); student veterans issues; Universal Design for Learning; Federal Student Aid policies (H.R. 3674/S. 1696, H.R. 5363), including Pell grants (H.R. 3497/S. 839, H.R. 2168/S. 1074, H.R. 3803), work-study and campus-based aid, loan counseling, FAFSA simplification (H.R. 4240), and accountability; Child Care Access Means Parents in School programs (H.R. 2632/S. 1403); workforce and manufacturing proposals (S. 3273, S. 3704, and H.R. 6646); general programmatic support for community college programs; and policy issues and funding related to institutions of higher education and the federal response to the COVID-19 virus, including S. 3947, S. 3548, and H.R. 6800.

Client expense: Not reported · Firm income: $30,000

Higher Education Act reauthorization; H.R. 4647 College Affordability Act S. 1163/H.R. 2746 Veterinary Medicine Loan Repayment Program Enhancement Act Public Service Loan Forgiveness Program implementation S. 609 Protecting JOBs Act H.R. 2099 Wildlife Veterinarians Employment and Training Act H.R. 3102 Helping Individuals Get a Higher Education while Reducing Education Debt (HIGHER ED) Act H.R. 3418 Protecting Our Students by Terminating Graduate Rates that Add to Debt Act (POST Grad Act) H.R. 2065/S. 1002 Affordable Loans for Any Student Act H.R. 2728/S. 1489 Joint Consolidation Loan Separation Act H.R. 2129/S. 1496 Empowering Students Though Enhanced Financial Counseling Act H.R. 3674 Eliminating the Hidden Student Loan Tax Act; S. 1696, Student Loan Tax Elimination Act of 2019 H.R. 2186 Student Loan Refinancing Act H.R. 3098 Student Loan Interest Deduction Act S. 379 To amend the Internal Revenue Code of 1986 to permit amounts paid for programs to obtain a recognized postsecondary credential or a license to be treated as qualified higher education expenses for purposes of a 529 account S. 1175 PSLF Technical Corrections Act S. 3760 Strengthening Loan Forgiveness for Public Servants During the COVID-19 Crisis Act

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

HR 149, The Housing Fairness Act of 2019, To authorize funds to prevent housing discrimination through the use of nationwide testing, to increase funds for the Fair Housing Initiatives Program, and for other purposes H. R. 5934 - To amend the Fair Debt Collection Practices Act to safeguard access to information for consumers and to stop abusive debt litigation, and for other purposes. HR 5931 - Improving FHA Support for Small Dollar Mortgages Act of 2020 - This bill directs the Department of Housing and Urban Development (HUD) to report on barriers to making Federal Housing Administration (FHA) single-family mortgage insurance available for mortgages under $70,000. Specifically, HUD must report H.R.6379 - Take Responsibility for Workers and Families Act S.3566 - Stop Overdraft Profiteering during COVID-19 Emergency Act of 2020 - to prohibit depository institutions from assessing overdraft and non-sufficient fund fees during the novel coronavirus crisis and other disasters, and for other purposes. S.3565 - Small Business and Consumer Debt Collection Emergency Relief Act of 2020 - To amend the Fair Debt Collection Practices Act to provide additional protections for consumers and small business owners from debt collection during a major disaster or emergency. S.3560 - Small Business and Consumer Emergency Credit Act - 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. S 3548 - To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. S.3509 - A bill to provide borrowers the right to request forbearance on mortgage loan payments due to a declared disaster, and for other purposes. H.R.6321 - To provide financial protections and assistance for America's consumers, States, businesses, and vulnerable populations during the COVID-19 emergency and to recover from the emergency. H.R.6363 - Student Debt Emergency Relief Act HR 3182 - To require the Securities and Exchange Commission and certain Federal agencies to carry out a study relating to accounting standards, and for other purposes. HR 748/Public Law No: 116-136 (03/27/2020) Coronavirus Aid, Relief, and Economic Security Act or the CARES Act - This bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses Transportation, Housing and Urban Development, and Related Agencies Appropriations Act for FY2021 H.R. 3674 the College Affordability Act, a bill to lower the costs of college for students and improve the quality of education 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" 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 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. 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 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 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. 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. 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.

Reauthorization of the Higher Education Act (S. 2557) and the College Affordability Act (H.R. 4674); time to completion for graduation rates (H.R. 3354/S. 3115); competency-based education (S.2608/H.R. 4706); student outcome data system (S. 800/H.R. 1766); innovation in higher education (S. 1221); open educational resources; reverse transfer (H.R. 2768/S. 1490); student veterans issues; Universal Design for Learning; Federal Student Aid policies (H.R. 3674/S. 1696, H.R. 5363), including Pell grants (H.R. 3497/S. 839, H.R. 2168/S. 1074, H.R. 3803), work-study and campus-based aid, loan counseling, FAFSA simplification (H.R. 4240), and accountability; Child Care Access Means Parents in School programs (H.R. 2632/S. 1403); general programmatic support for community college programs; and policy issues related to institutions of higher education and the federal response to the COVID-19 virus.

Client expense: Not reported · Firm income: $30,000

Higher Education Act Reauthorization; Public Service Loan Forgiveness; H.R.4674 - College Affordability Act; H.R 6134 VET MED Act Public Service Loan Forgiveness Program implementation S. 609, Protecting JOBs Act H.R. 2099, Wildlife Veterinarians Employment and Training Act S. 1428 Retirement Parity for Student Loans Act H.R. 3102 Helping Individuals Get a Higher Education while Reducing Education Debt (HIGHER ED) Act H.R. 3418 Protecting Our Students by Terminating Graduate Rates that Add to Debt Act (POST Grad Act) H.R. 2065/S. 1002 Affordable Loans for Any Student Act H.R. 2728/S. 1489 Joint Consolidation Loan Separation Act H.R. 2129/S. 1496 Empowering Students Though Enhanced Financial Counseling Act H.R. 3674 Eliminating the Hidden Student Loan Tax Act; S. 1696, Student Loan Tax Elimination Act of 2019 H.R. 2186 Student Loan Refinancing Act H.R. 3098 Student Loan Interest Deduction Act S. 379 To amend the Internal Revenue Code of 1986 to permit amounts paid for programs to obtain a recognized postsecondary credential or a license to be treated as qualified higher education expenses for purposes of a 529 account S. 1175 PSLF Technical Corrections Act H.R. 748 Coronavirus Aid Relief and Economic Security Act; suspension of federal student loan repayment and interest accrual

Client expense: Not reported · Firm income: $320,000

. Higher Education Act Reauthorization; H.R. 4674 College Affordability act; Draft Legislation related to veterinary internships and residencies S. 1163/H.R. 2746, the Veterinary Medicine Loan Repayment Program Enhancement Act H.R. 1043/S.460, Employer Participation in Repayment Act Public Service Loan Forgiveness Program implementation S. 609, Protecting JOBs Act H.R. 2099, Wildlife Veterinarians Employment and Training Act S. 1428 Retirement Parity for Student Loans Act H.R. 3102 Helping Individuals Get a Higher Education while Reducing Education Debt (HIGHER ED) Act H.R. 3418 Protecting Our Students by Terminating Graduate Rates that Add to Debt Act (POST Grad Act) H.R. 2065/S. 1002 Affordable Loans for Any Student Act H.R. 2728/S. 1489 Joint Consolidation Loan Separation Act H.R. 2129/S. 1496 Empowering Students Though Enhanced Financial Counseling Act H.R. 3674 Eliminating the Hidden Student Loan Tax Act; S. 1696, Student Loan Tax Elimination Act of 2019 H.R. 2186 Student Loan Refinancing Act H.R. 3098 Student Loan Interest Deduction Act S. 379 To amend the Internal Revenue Code of 1986 to permit amounts paid for programs to obtain a recognized postsecondary credential or a license to be treated as qualified higher education expenses for purposes of a 529 account S. 1175 PSLF Technical Corrections Act

Client expense: $250,000 · Firm income: Not reported

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.

. Higher Education Act Reauthorization; H.R. 4674 College Affordability act; Draft Legislation related to veterinary internships and residencies S. 1163/H.R. 2746, the Veterinary Medicine Loan Repayment Program Enhancement Act H.R. 1043/S.460, Employer Participation in Repayment Act Public Service Loan Forgiveness Program implementation S. 609, Protecting JOBs Act H.R. 2099, Wildlife Veterinarians Employment and Training Act S. 1428 Retirement Parity for Student Loans Act H.R. 3102 Helping Individuals Get a Higher Education while Reducing Education Debt (HIGHER ED) Act H.R. 3418 Protecting Our Students by Terminating Graduate Rates that Add to Debt Act (POST Grad Act) H.R. 2065/S. 1002 Affordable Loans for Any Student Act H.R. 2728/S. 1489 Joint Consolidation Loan Separation Act H.R. 2129/S. 1496 Empowering Students Though Enhanced Financial Counseling Act H.R. 3674 Eliminating the Hidden Student Loan Tax Act; S. 1696, Student Loan Tax Elimination Act of 2019 H.R. 2186 Student Loan Refinancing Act H.R. 3098 Student Loan Interest Deduction Act S. 379 To amend the Internal Revenue Code of 1986 to permit amounts paid for programs to obtain a recognized postsecondary credential or a license to be treated as qualified higher education expenses for purposes of a 529 account S. 1175 PSLF Technical Corrections Act

Client expense: $250,000 · Firm income: Not reported

Reauthorization of the Higher Education Act (S. 2557) and the College Affordability Act (H.R. 4674); time to completion for graduation rates (H.R. 3354/S. 3115); competency-based education (S.2608/H.R. 4706); student outcome data system (S. 800/H.R. 1766); innovation in higher education (S. 1221); open educational resources; reverse transfer (H.R. 2768/S. 1490); student veterans issues; Universal Design for Learning; Federal Student Aid policies (H.R. 3674/S. 1696, H.R. 5363), including Pell grants (H.R. 3497/S. 839, H.R. 2168/S. 1074, H.R. 3803), work-study and campus-based aid, loan counseling, FAFSA simplification (H.R. 4240), and accountability; Child Care Access Means Parents in School programs (H.R. 2632/S. 1403); general programmatic support for community college programs.

Client expense: Not reported · Firm income: $30,000

FY 2020 appropriations for Dept. of Education funding Support for the Expanding Access to Graduate Education Act (H.R. 3334) Support for the Dept. of Ed. Grad PLUS program Expressing concern to the Dept. of Education re: the Public Service Loan Forgiveness Program and implementation issues Supporting certain provisions within H.R. 4674, the College Affordability Act to reauthorize the Higher Education Act Supports H.R. 5363, the FUTURE Act, to provide mandatory funding for HBCUs, HSIs, TCUs, and other MSIs Expressing concern over Sec. 117 reporting requirements of foreign gifts (Dept. of Education regulations) Supporting the POST GRAD Act (H.R. 3418) to reinstate subsidized federal student loans for graduate students Supporting the Fee Free Student Loan Act (H.R. 3674) to eliminate origination fees on all federal student loans. Supporting the Teacher Education for Computer Science Act (H.R. 3808) to provide funding to improve the training of graduate-prepared computer science teachers at U.S. graduate schools. Supporting the College Student Hunger Act of 2019 (H.R. 3809/S. 2143) to expand eligibility requirements for students who could benefit from Supplemental Nutrition Assistance Program.

Client expense: Not reported · Firm income: Not reported

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

Reauthorization of the Higher Education Act (S. 2557); time to completion for graduation rates (H.R. 3354); competency-based education; student outcome data system (S. 800/H.R. 1766); innovation in higher education (S. 1221); open educational resources; reverse transfer (H.R. 2768/S. 1490); student veterans issues; Universal Design for Learning; Federal Student Aid policies (H.R. 3674/S. 1696), including Pell grants (H.R. 3497/S. 839, H.R. 2168/S. 1074, H.R. 3803), work-study and campus-based aid, loan counseling, FAFSA simplification (H.R. 4240), and accountability; Child Care Access Means Parents in School programs (H.R. 2632/S. 1403); general programmatic support for community college programs.

Client expense: Not reported · Firm income: $30,000

FY 2020 appropriations for Dept. of Education funding Support for the Expanding Access to Graduate Education Act (H.R. 3334) Support for the Dept. of Ed. Grad PLUS program Expressing concern to the Dept. of Education re: the Public Service Loan Forgiveness Program and implementation issues Supporting the POST GRAD Act (H.R. 3418) to reinstate subsidized federal student loans for graduate students Supporting the Fee Free Student Loan Act (H.R. 3674) to eliminate origination fees on all federal student loans. Supporting the Teacher Education for Computer Science Act (H.R. 3808) to provide funding to improve the training of graduate-prepared computer science teachers at U.S. graduate schools. Supporting the College Student Hunger Act of 2019 (H.R. 3809/S. 2143) to expand eligibility requirements for students who could benefit from Supplemental Nutrition Assistance Program.

Client expense: Not reported · Firm income: Not reported

Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE