Consumer Protection for Medical Debt Collections Act

Issues related the Consumer Financial Protection Bureau Fair Debt Collection Practices Act rulemaking Issues related to the Consumer Financial Protection Bureau complaint database Issues related to the Consumer Financial Protection Bureau Request for Information process Issues related to medical debt Issues related to student lending S.187 CFPB-IG Act - To require Senate confirmation of the Inspector General of the Bureau of Consumer Financial Protection, and for other purposes. H.R.969 - Bring the Bureau of Consumer Financial Protection into the regular appropriation process, and for other purposes H.R.969 - TABS Act of 2019 - To amend the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes. S.453 - Consumer Financial Protection Bureau Accountability Act of 2019 - To amend the Consumer Financial Protection Act of 2010 to subject the Bureau of Consumer Financial Protection to the regular appropriations process, and for other purposes. H.R. 3198 - Comprehensive Regulatory Review Act - To amend the Economic Growth and Regulatory Paperwork Reduction Act of 1996 to ensure that Federal financial regulators perform a comprehensive review of regulations to identify outdated or otherwise unnecessary regulatory requirements imposed on covered persons, and for other purposes. H.R. 3490 - the Small Business Lending Fairness Act - To amend TILA to prohibit anyone from extending credit pursuant to a confession of judgement provision, warrant of attorney, or any other waiver of right to be heard in a lawsuit to collect the debt. H.R. 3948 - the Debt Collection Practices Harmonization Act - To amend the FDCPA to extend the provisions of that Act to cover a debt collector who is collecting debt owed to a State or local government, to index award amounts under such Act for inflation, to provide for civil injunctive relief for violations of such Act, and for other purposes. H.R. 4403 - the Stop Debt Collection Abuse Act - To amend the FDCPA to apply to debt buyers and to collectors of debt owed by a consumer to a federal agency that is 180 days or more past due; to limit fees a collector can collect for such debt to fees that are "reasonable in relation to the actual cost of collection;" that are authorized by the collector's contract wit the federal agency to collect that debt; and are not greater than 10% of the debt to be collected. H.R. 4664 - Monitoring and Curbing Abusive Debt Collection Practices Act - To amend the Consumer Financial Protection Act to prohibit the CFPB from issuing rules pursuant to the FDCPA that would allow a debt collector to send unlimited email and text messages to a consumer. H.R. 5001 - Non-Judicial Foreclosure Debt Collection Clarification Act - To amend the definition of debt collector under the FDCPA to include any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. H.R. 5003 - Fair Debt Collection Practices for Servicemembers Act - To amend the FDCPA to prohibit debt collectors from communicating with the commanding officer or officer in charge of any servicemember regarding an outstanding debt or the location of the servicemember; and to prohibit debt collectors from stating to a servicemember that failure to cooperate will result in prosecution on the Uniform Code of Military Justice. H.R. 5013 - Small Business Fair Debt Collection Protection Act - To amend the FDCPA to apply to the collection of "small business debts" meaning non-equity obligations less than $5 million. H.R. 5021 - Ending Debt Collection Harassment Act of 2019 - To amend the FDCPA to prohibit the CFPB from issuing a final rule on debt collection that allows unlimited electronic communications, including email or texts, from debt collectors to consumers; to prohibit collectors from contacting consumers via email or text message after a consumer has withdrawn their consent from receiving communications through these mediums or contacting them via email or text more frequently than as agreed to by the consumer; and to require collectors to send a consumer a notice of debt within five days after the initial communication with the consumer in connection with collecting a debt, even if the statutorily-required information was included in the initial communication. To amend the Consumer Financial Protection Act to require rules issued by the CFPB pursuant to the FDCPA must require collectors to obtain a consumers prior consent to contact them in any method other than via postal mail or telephone; to prohibits rules issued by the CFPB pursuant to the FDCPA from waiving compliance with the ESIGN Act; and to require rules issued by the CFPB pursuant to the FDCPA must allow consumers to opt-out of any method of communication and to withdraw prior consent to modes of communication. H.R. 5034 - Fair Debt Collection Improvement Act - To amend the FDCPA to prohibit debt collectors from collecting, or attempting to collect, on a debt of a consumer with respect to which the statute of limitations has expired, and for other purposes. H.R. 5287 - Fair Student Loan Debt Collection Practice Act - To amend the FDCPA to prohibit debt collectors from attempt to collect a federal student loan debt (meaning a loan made, insured or guaranteed under Title IV) during the period when the borrower would not be required to make a payment under an income-drive repayment plan. H.R. 5330 - Consumer Protections for Medical Debt Collections Act - To amend the FDCPA and FCRA to require a debt collector and furnishers to CRAs to provide written notices to consumers about restrictions on reporting medical debt, to refrain from reporting medical debt for over 1 year and to never report certain medical debt, and imposing a 2-year waiting period to colloect certain medical debt. S.3508 - A bill to amend the Fair Credit Reporting Act - to provide for disaster protection for workers' credit. H.R. 6321- Financial Protections and Assistance for Americas Consumers, States, Businesses, and Vulnerable Populations Act during the COVID-19 emergency and to recover from the emergency S. 3565 - A bill to amend the Fair Debt Collection Practices Act (FDCPA) during a major disaster or emergency-such as the current COVID-19 pandemic HR 748 - CARES Act - To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. S.3548 - CARES Act - To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. H.R.6800 - The Heroes Act

Client expense: $150,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Small Business Administration (SBA), Treasury, Dept of

H.R. 5330, Consumer Protection for Medical Debt Collections Act, as it relates to dental practices.

Client expense: Not reported · Firm income: $60,000

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), SENATE, Treasury, Dept of

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.

H.R. 5330, Consumer Protection for Medical Debt Collections Act, as it relates to dental practices.

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), SENATE, Treasury, Dept of

Issues related the Consumer Financial Protection Bureau Fair Debt Collection Practices Act rulemaking Issues related to the Consumer Financial Protection Bureau complaint database Issues related to the Consumer Financial Protection Bureau Request for Information process Issues related to medical debt S.187 CFPB-IG Act - To require Senate confirmation of the Inspector General of the Bureau of Consumer Financial Protection, and for other purposes. H.R.969 - Bring the Bureau of Consumer Financial Protection into the regular appropriation process, and for other purposes H.R.969 - TABS Act of 2019 - To amend the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes. S.453 - Consumer Financial Protection Bureau Accountability Act of 2019 - To amend the Consumer Financial Protection Act of 2010 to subject the Bureau of Consumer Financial Protection to the regular appropriations process, and for other purposes. H.R. 3198 - Comprehensive Regulatory Review Act - To amend the Economic Growth and Regulatory Paperwork Reduction Act of 1996 to ensure that Federal financial regulators perform a comprehensive review of regulations to identify outdated or otherwise unnecessary regulatory requirements imposed on covered persons, and for other purposes. H.R. 3490 - the Small Business Lending Fairness Act - To amend TILA to prohibit anyone from extending credit pursuant to a confession of judgement provision, warrant of attorney, or any other waiver of right to be heard in a lawsuit to collect the debt. H.R. 3948 - the Debt Collection Practices Harmonization Act - To amend the FDCPA to extend the provisions of that Act to cover a debt collector who is collecting debt owed to a State or local government, to index award amounts under such Act for inflation, to provide for civil injunctive relief for violations of such Act, and for other purposes. H.R. 4403 - the Stop Debt Collection Abuse Act - To amend the FDCPA to apply to debt buyers and to collectors of debt owed by a consumer to a federal agency that is 180 days or more past due; to limit fees a collector can collect for such debt to fees that are "reasonable in relation to the actual cost of collection;" that are authorized by the collector's contract wit the federal agency to collect that debt; and are not greater than 10% of the debt to be collected. H.R. 4664 - Monitoring and Curbing Abusive Debt Collection Practices Act - To amend the Consumer Financial Protection Act to prohibit the CFPB from issuing rules pursuant to the FDCPA that would allow a debt collector to send unlimited email and text messages to a consumer. H.R. 5001 - Non-Judicial Foreclosure Debt Collection Clarification Act - To amend the definition of debt collector under the FDCPA to include any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. H.R. 5003 - Fair Debt Collection Practices for Servicemembers Act - To amend the FDCPA to prohibit debt collectors from communicating with the commanding officer or officer in charge of any servicemember regarding an outstanding debt or the location of the servicemember; and to prohibit debt collectors from stating to a servicemember that failure to cooperate will result in prosecution on the Uniform Code of Military Justice. H.R. 5013 - Small Business Fair Debt Collection Protection Act - To amend the FDCPA to apply to the collection of "small business debts" meaning non-equity obligations less than $5 million. H.R. 5021 - Ending Debt Collection Harassment Act of 2019 - To amend the FDCPA to prohibit the CFPB from issuing a final rule on debt collection that allows unlimited electronic communications, including email or texts, from debt collectors to consumers; to prohibit collectors from contacting consumers via email or text message after a consumer has withdrawn their consent from receiving communications through these mediums or contacting them via email or text more frequently than as agreed to by the consumer; and to require collectors to send a consumer a notice of debt within five days after the initial communication with the consumer in connection with collecting a debt, even if the statutorily-required information was included in the initial communication. To amend the Consumer Financial Protection Act to require rules issued by the CFPB pursuant to the FDCPA must require collectors to obtain a consumers prior consent to contact them in any method other than via postal mail or telephone; to prohibits rules issued by the CFPB pursuant to the FDCPA from waiving compliance with the ESIGN Act; and to require rules issued by the CFPB pursuant to the FDCPA must allow consumers to opt-out of any method of communication and to withdraw prior consent to modes of communication. H.R. 5034 - Fair Debt Collection Improvement Act - To amend the FDCPA to prohibit debt collectors from collecting, or attempting to collect, on a debt of a consumer with respect to which the statute of limitations has expired, and for other purposes. H.R. 5287 - Fair Student Loan Debt Collection Practice Act - To amend the FDCPA to prohibit debt collectors from attempt to collect a federal student loan debt (meaning a loan made, insured or guaranteed under Title IV) during the period when the borrower would not be required to make a payment under an income-drive repayment plan. H.R. 5330 - Consumer Protections for Medical Debt Collections Act - To amend the FDCPA and FCRA to require a debt collector and furnishers to CRAs to provide written notices to consumers about restrictions on reporting medical debt, to refrain from reporting medical debt for over 1 year and to never report certain medical debt, and imposing a 2-year waiting period to colloect certain medical debt. S.3508 - A bill to amend the Fair Credit Reporting Act - to provide for disaster protection for workers' credit. H.R. 6321- Financial Protections and Assistance for Americas Consumers, States, Businesses, and Vulnerable Populations Act during the COVID-19 emergency and to recover from the emergency S. 3565 - A bill to amend the Fair Debt Collection Practices Act (FDCPA) during a major disaster or emergency-such as the current COVID-19 pandemic HR 748 - CARES Act - To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. S.3548 - CARES Act - To provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic.

Authority for dental-related programs to operate, caries prevention and oral health promotion, access to dental care, dental research, oral and craniofacial defects, filling Chief Dental Officer positions at CMS, prescribing practices (e.g., opioid prescribing), etc. H.R. 3630, No Surprises Act H.R. 5800, Ban Surprise Billing Act S. 1895, Lower Health Care Costs Act H.R. 269, to clarify the regulatory framework with respect to certain nonprescription drugs that are marketed without an approved drug application H.R. 1379, Ensuring Lasting Smiles Act (ELSA Act) H.R. 1614, John S. McCain Opioid Addiction Prevention Act S 192, Community and Public Health Programs Extension Act S. 560/H.R. 1379, Ensuring Lasting Smiles Act (ELSA Act) S. 724/H.R. 1614, John S. McCain Opioid Addiction Prevention Act H.R. 3762, Dental and Optometric Care Access Act of 2019 (DOC Access Act) H.R. 5330, Consumer Protection for Medical Debt Collection Act S. 1581, Medical Debt Relief Act H.R. 748 Coronavirus Aid, Relief Economic Security Act or the CARES Act Section 1557 Reform, add Stark and Anti-Kickback Reform Action for Dental Health Act Implementation Minamata Convention on Mercury Clear aligners, Minamata Convention on Mercury Reauthorization of Teaching Health Centers Graduate Medical Education Program, National Health Service Corps, and Community Health Centers H.R. 4537, Mobile Health Clinics Act H.R. 4678, the Oral Health Literacy and Awareness Act S. 2629, United States Public Health Service Modernization Act HRSA Chief Dental Officer

Client expense: $460,000 · 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.

H.R. 2290 Shutdown Guidance for Financial Institutions Act - Issues as it relates to government shutdowns. H.R. 4328 Protecting Innocent Consumer Affected by a Shutdown Act - Issues as it relates to government shutdowns. H.R. 3629 Clarity in Credit Score Formation Act of 2019 - Issues as it relates to amending the Fair Credit Reporting Act. H.R. 3621 Student Borrower Credit Improvement Act - Issues as it relates to amending the Fair Credit Reporting Act. H.R. 3614 Restricting Use of Credit Checks for Employment Decisions Act - Issues as it relates to amending the Fair Credit Reporting Act. H.R. 3618 Free Credit Score for Consumers Act for 2019 - Issues as it relates to credit scores. H.R. 3622 Restoring Unfairly Impaired Credit and Protecting Consumers Act - - Issues as it relates to amending the Fair Credit Reporting Act. H.R. 3642 Improving Credit Reporting for All Consumers Act - Issues as it relates to amending the Fair Credit Reporting Act. H.R. 123 FHA Additional Credit Pilot Program Reauthorization Act - Issues as it relates to consumer credit. H.R. 5330 Consumer Protections for Medical Debt Collections Act - Issues as it relates to consumer reports. H.R. 5332 Protecting Your Credit Score Act of 2019 - Issues as it relates to amending the Fair Credit Reporting Act. H.R. 4395 Clean Slate through Consolidation Act - Issues as it relates to student loans. H.R. 4396 Clean Slate through Repayment Act of 2019 - Issues as it relates to student loans. Other draft legislation amending the Fair Credit Reporting Act. H.R. 2500 National Defense Authorization Act - Issues as it relates to credit reporting. H.R. 4686 SAMI'S Law - Issues as it relates to require illuminated signs and other measures on ride-hailing vehicles, to prohibit the sale of such signs, to require ride-hailing companies to implement an electronic access system on ride-hailing vehicles. H.R. 4360 VA Overpayment Accountability Act - Issues as it relates to consumer reporting agencies. H.R. 3262 SAMI's Law - Issues as it relates to require illuminated signs and other measures on ride-hailing vehicles, to prohibit the sale of such signs, to require ride-hailing companies to implement an electronic access system on ride-hailing vehicles. H.R. 3012 The bipartisan Veteran's Credit Protection Act - Issues as it relates to credit reports. S 2631 Identity Theft Victims Protections Act - Issues as it relates to amending the Fair Credit Reporting Act. H.R. 2013 The Information Transparency & Personal Data Control Act - Issues as it relates to Federal Trade Commission to promulgate regulations related to sensitive personal information, and for other purposes.

Legislative and regulatory issues pertaining to credit reporting and scoring, including H.R. 3614, H.R. 3618, H.R. 3621, H.R. 3622, H.R. 3629, H.R. 3642, H.R. 3821, H.R. 4231, H.R. 4328, S. 1828, H.R. 2500, S. 1790, S. 2631, S. 2685, H.R. 5330 and H.R. 5332.

Client expense: $360,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, Social Security Administration (SSA), Treasury, Dept of

Issues related the Consumer Financial Protection Bureau Fair Debt Collection Practices Act rulemaking Issues related to the Consumer Financial Protection Bureau complaint database Issues related to the Consumer Financial Protection Bureau Request for Information process Issues related to medical debt S.187 CFPB-IG Act - To require Senate confirmation of the Inspector General of the Bureau of Consumer Financial Protection, and for other purposes. H.R.969 - Bring the Bureau of Consumer Financial Protection into the regular appropriation process, and for other purposes H.R.969 - TABS Act of 2019 - To amend the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes. S.453 - Consumer Financial Protection Bureau Accountability Act of 2019 - To amend the Consumer Financial Protection Act of 2010 to subject the Bureau of Consumer Financial Protection to the regular appropriations process, and for other purposes. H.R. 3198 - Comprehensive Regulatory Review Act - To amend the Economic Growth and Regulatory Paperwork Reduction Act of 1996 to ensure that Federal financial regulators perform a comprehensive review of regulations to identify outdated or otherwise unnecessary regulatory requirements imposed on covered persons, and for other purposes. H.R. 3490 - the Small Business Lending Fairness Act - To amend TILA to prohibit anyone from extending credit pursuant to a confession of judgement provision, warrant of attorney, or any other waiver of right to be heard in a lawsuit to collect the debt. H.R. 3948 - the Debt Collection Practices Harmonization Act - To amend the FDCPA to extend the provisions of that Act to cover a debt collector who is collecting debt owed to a State or local government, to index award amounts under such Act for inflation, to provide for civil injunctive relief for violations of such Act, and for other purposes. H.R. 4403 - the Stop Debt Collection Abuse Act - To amend the FDCPA to apply to debt buyers and to collectors of debt owed by a consumer to a federal agency that is 180 days or more past due; to limit fees a collector can collect for such debt to fees that are "reasonable in relation to the actual cost of collection;" that are authorized by the collector's contract wit the federal agency to collect that debt; and are not greater than 10% of the debt to be collected. H.R. 4664 - Monitoring and Curbing Abusive Debt Collection Practices Act - To amend the Consumer Financial Protection Act to prohibit the CFPB from issuing rules pursuant to the FDCPA that would allow a debt collector to send unlimited email and text messages to a consumer. H.R. 5001 - Non-Judicial Foreclosure Debt Collection Clarification Act - To amend the definition of debt collector under the FDCPA to include any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. H.R. 5003 - Fair Debt Collection Practices for Servicemembers Act - To amend the FDCPA to prohibit debt collectors from communicating with the commanding officer or officer in charge of any servicemember regarding an outstanding debt or the location of the servicemember; and to prohibit debt collectors from stating to a servicemember that failure to cooperate will result in prosecution on the Uniform Code of Military Justice. H.R. 5013 - Small Business Fair Debt Collection Protection Act - To amend the FDCPA to apply to the collection of "small business debts" meaning non-equity obligations less than $5 million. H.R. 5021 - Ending Debt Collection Harassment Act of 2019 - To amend the FDCPA to prohibit the CFPB from issuing a final rule on debt collection that allows unlimited electronic communications, including email or texts, from debt collectors to consumers; to prohibit collectors from contacting consumers via email or text message after a consumer has withdrawn their consent from receiving communications through these mediums or contacting them via email or text more frequently than as agreed to by the consumer; and to require collectors to send a consumer a notice of debt within five days after the initial communication with the consumer in connection with collecting a debt, even if the statutorily-required information was included in the initial communication. To amend the Consumer Financial Protection Act to require rules issued by the CFPB pursuant to the FDCPA must require collectors to obtain a consumers prior consent to contact them in any method other than via postal mail or telephone; to prohibits rules issued by the CFPB pursuant to the FDCPA from waiving compliance with the ESIGN Act; and to require rules issued by the CFPB pursuant to the FDCPA must allow consumers to opt-out of any method of communication and to withdraw prior consent to modes of communication. H.R. 5034 - Fair Debt Collection Improvement Act - To amend the FDCPA to prohibit debt collectors from collecting, or attempting to collect, on a debt of a consumer with respect to which the statute of limitations has expired, and for other purposes. H.R. 5287 - Fair Student Loan Debt Collection Practice Act - To amend the FDCPA to prohibit debt collectors from attempt to collect a federal student loan debt (meaning a loan made, insured or guaranteed under Title IV) during the period when the borrower would not be required to make a payment under an income-drive repayment plan. H.R. 5330 - Consumer Protections for Medical Debt Collections Act - To amend the FDCPA and FCRA to require a debt collector and furnishers to CRAs to provide written notices to consumers about restrictions on reporting medical debt, to refrain from reporting medical debt for over 1 year and to never report certain medical debt, and imposing a 2-year waiting period to colloect certain medical debt.

Legislation related to credit reporting, scoring and data security including H.R. 5332, H.R. 5330, S. 1828, H.R. 3629, H.R. 3621, H.R. 3614, H.R. 3618, H.R. 3622, and H.R. 3642.

Client expense: $150,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE