Non-Judicial Foreclosure Debt Collection Clarification Act

Issues related to the Consumer Financial Protection Bureau Fair Debt Collections Act Rulemaking Issue related to Medical Debt Issues related to Student Lending Issues related to Arbitration Issues related to Letter Vendors Issues related to COVID-19 Response Issues related to Artificial Intelligence Issues related to Credit Reporting H.R. 773- The Medical Debt Relief Act of 2021 H.R.1657- Ending Debt Collection Harassment Act of 2021 H.R.2135- Fair Debt Collection Improvement Act H.R.2458 -Non-Judicial Foreclosure Debt Collection Clarification Act H.R.2498 -Private Loan Disability Discharge Act of 2021 H.R.2537- Consumer Protection for Medical Debt Collections Act H.R.2540- Small Business Lending Fairness Act H.R.2572- Stop Debt Collection Abuse Act of 2021 H.R.2628 - Debt Collection Practices Harmonization Act H.R.2547 - The Comprehensive Debt Collection Improvement Act H.R.2453 - The Driving for Opportunity Act of 2021 H.R.4350 - National Defense Authorization Act for Fiscal Year 2022 H.R. 4773 - the Consumer Financial Protection Commission Act H.R. 133- the Consolidated Appropriations Act, 2021 H.R. 4432 - Department of Defense Appropriations Act, 2022 S. 214 - Medical Debt Relief Act S.355 - COVID-19 Medical Debt Collection Relief Act S. 823 - To amend the American Rescue Plan Act of 2021 to provide for protection of recovery rebates. S. 998 - The Driving for Opportunity Act of 2021

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

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA)

Issues related to the Consumer Financial Protection Bureau Fair Debt Collections Act Rulemaking Issue related to Medical Debt Issues related to Student Lending Issues related to Arbitration Issues related to Letter Vendors Issues related to COVID-19 Response Issues related to Artificial Intelligence Issues related to Credit Reporting H.R. 773- The Medical Debt Relief Act of 2021 H.R.1657- Ending Debt Collection Harassment Act of 2021 H.R.2135- Fair Debt Collection Improvement Act H.R.2458 -Non-Judicial Foreclosure Debt Collection Clarification Act H.R.2498 -Private Loan Disability Discharge Act of 2021 H.R.2537- Consumer Protection for Medical Debt Collections Act H.R.2540- Small Business Lending Fairness Act H.R.2572- Stop Debt Collection Abuse Act of 2021 H.R.2628 - Debt Collection Practices Harmonization Act H.R.2547 - The Comprehensive Debt Collection Improvement Act H.R.2453 - The Driving for Opportunity Act of 2021 H.R.4350 - National Defense Authorization Act for Fiscal Year 2022 H.R. 4773 - the Consumer Financial Protection Commission Act H.R. 133- the Consolidated Appropriations Act, 2021 H.R. 4432 - Department of Defense Appropriations Act, 2022 S. 214 - Medical Debt Relief Act - legislation that would remove paid-off or settled medical debt from a patients credit report and institute a year-long waiting period before new medical debt can be reported. S.355 - COVID-19 Medical Debt Collection Relief Act, legislation to prevent healthcare providers from taking drastic steps to collect medical debts from patients - including seizing bank accounts and garnishing wages during the COVID-19 pandemic. S. 823 - To amend the American Rescue Plan Act of 2021 to provide for protection of recovery rebates. S. 998 - The Driving for Opportunity Act of 2021

Client expense: $170,000 · Firm income: Not reported

Issues related to the Consumer Financial Protection Bureau Fair Debt Collections Act Rulemaking Issue related to Medical Debt Issues related to Student Lending Issues related to Arbitration Issues related to Letter Vendors Issues related to COVID-19 Response Issues related to Artificial Intelligence Issues related to Credit Reporting H.R. 733- The Medical Debt Relief Act H.R.1657- Ending Debt Collection Harassment Act of 2021 H.R.2135- Fair Debt Collection Improvement Act H.R.2458 -Non-Judicial Foreclosure Debt Collection Clarification Act H.R.2498 -Private Loan Disability Discharge Act of 2021 H.R.2537- Consumer Protection for Medical Debt Collections Act H.R.2540- Small Business Lending Fairness Act H.R.2572- Stop Debt Collection Abuse Act of 2021 H.R.2628 - Debt Collection Practices Harmonization Act H.R.2547 - The Comprehensive Debt Collection Improvement Act H.R.2453 - The Driving for Opportunity Act of 2021 H.R.4350 - National Defense Authorization Act for Fiscal Year 2022 H.R. 4773 - the Consumer Financial Protection Commission Act S. 214 - Medical Debt Relief Act - legislation that would remove paid-off or settled medical debt from a patients credit report and institute a year-long waiting period before new medical debt can be reported. S.355 - COVID-19 Medical Debt Collection Relief Act, legislation to prevent healthcare providers from taking drastic steps to collect medical debts from patients - including seizing bank accounts and garnishing wages during the COVID-19 pandemic. S. 823 - To amend the American Rescue Plan Act of 2021 to provide for protection of recovery rebates. S. 998 - The Driving for Opportunity Act of 2021

Client expense: $200,000 · Firm income: Not reported

Issues related to the Consumer Financial Protection Bureau Fair Debt Collections Act Rulemaking Issue related to Medical Debt Issues related to Student Lending Issues related to Arbitration Issues related to Letter Vendors Issues related to COVID-19 Response Issues related to Artificial Intelligence H.R.1657- Ending Debt Collection Harassment Act of 2021 H.R.2135- Fair Debt Collection Improvement Act H.R.2458 -Non-Judicial Foreclosure Debt Collection Clarification Act H.R.2498 -Private Loan Disability Discharge Act of 2021 H.R.2537- Consumer Protection for Medical Debt Collections Act H.R.2540- Small Business Lending Fairness Act H.R.2572- Stop Debt Collection Abuse Act of 2021 H.R.2628 - Debt Collection Practices Harmonization Act H.R.2547 - The Comprehensive Debt Collection Improvement Act H.R.2453 - The Driving for Opportunity Act of 2021 S. 214 - Medical Debt Relief Act - legislation that would remove paid-off or settled medical debt from a patients credit report and institute a year-long waiting period before new medical debt can be reported. S.355 - COVID-19 Medical Debt Collection Relief Act, legislation to prevent healthcare providers from taking drastic steps to collect medical debts from patients - including seizing bank accounts and garnishing wages during the COVID-19 pandemic. S. 823 - To amend the American Rescue Plan Act of 2021 to provide for protection of recovery rebates. S. 998 - The Driving for Opportunity Act of 2021

Client expense: $230,000 · Firm income: Not reported

30 June 2021 (Signed by President and became Public Law No: 117-24 on this date. Supported S.J.Res.15 in House and Senate to legislatively repeal by Congressional Review Act an OCC rule enabling predatory lenders to rent bank charters and evade state usury ceilings. 12 May 2021 Supported H.R. 2570, the Climate Risk Disclosure Act (Casten) 16 April 2021 Signed debt collection reform group letter on H.R. 2547, the Comprehensive Debt Collection Improvement Act (Waters), which includes: HR__, the Small Business Fairness Lending Act (Velazquez), HR 1491, the Fair Debt Collection Practices for Servicemembers Act (Dean), HR 2498, the Private Loan Disability Discharge Act (Dean), HR 2537, the Consumer Protection for Medical Debt Collections Act (Tlaib), HR 1657, the Ending Debt Collection Harassment Act (Pressley), HR 2572, the Stop Debt Collection Abuse Act (Cleaver), HR __, the Debt Collection Practices Harmonization Act (Meeks), HR 2458, the Non-Judicial Foreclosure Debt Collection Clarification Act (Auchincloss). 6 May 2021 Joined group letter to CFPB Acting Director Requesting that CFPB Prohibit Credit Reporting of Rent Arrears Incurred During COVID-19 Pandemic Generally supported Fair Credit Reporting Act and Fair Debt Collection Practices Act improvements in phone calls and meetings with hill and agency staff, including H.R. 4120, the Comprehensive Consumer Credit Reporting Reform Act.

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

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.6363Student 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 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. H.R. 68 Housing Fairness Act. This bill authorizes funds for HUD to prevent housing discrimination through the use of nationwide testing, increases funds for the Fair Housing Initiative Program, and provides grants to private entities to study housing discrimination. S. 404Coronavirus Housing Counseling Improvement Act. This bill provides funding for the Neighborhood Reinvestment Corporation (NeighborWorks) to support housing counseling services for homeowners, renters, people experiencing/risk of homelessness navigate housing options and rights during the COVID-19 crisis. Bill also requires that no less than 40% of the $700 million fund is targeted to counseling organizations that serve minority and low-income homeowners and renters. H.R. 3154Homeownership for DREAMers Act. This bill prohibits federal mortgage providers from limiting insurance eligibility on the basis of the mortgagor's participation in the Deferred Action for Childhood Arrivals Program. S. __Mapping Housing Discrimination Act. To authorize a grant program for educational institutions to analyze, digitize, and map historic records relating to housing discrimination. S. 787American Housing and Economic Mobility Act. This bill supports affordable housing and fair housing by investing in various housing programs (National Housing Trust Fund, CDBG, etc), providing down payment assistance, and expanding the Fair Housing Act's proteections. H.R. __Downpayment Toward Equity Act. This bill provides downpayment assistance to first-generation homebuyers to address multigeneration inequities in access to homeownership. HR 1319 - American Rescue Plan Act of 2021 - This bill provides additional relief to address the continued impact of COVID-19 (i.e., coronavirus disease 2019) on the economy, public health, state and local governments, individuals, and businesses. H. Res. 100 - This resolution calls on the President to take executive action to cancel up to $50,000 in federal student loan debt for borrowers. Further, it encourages the President to (1) ensure that borrowers have no tax liability from the debt cancellation, (2) ensure that the debt cancellation helps close racial wealth gaps, and (3) pause student loan payments and interest accumulation on federal student loans for the duration of the COVID-19 (i.e., coronavirus disease 2019) pandemic. S. 355 - COVID-19 Medical Debt Collection Relief Act - This bill temporarily limits certain activities to collect medical debts by health care providers that apply for, or accept, COVID-19 (i.e., coronavirus 2019) financial relief. S. 210 - Protecting Job Opportunities for Borrowers Act - This bill prohibits a state from suspending, revoking, or denying a state-issued driver's license, teaching license, or professional license based solely on an individual's default or delinquency on a federal student loan or health education loan. Further, an aggrieved individual may bring a civil action against a state for violations. HR 166 - Fair Lending for All Act - This bill modifies provisions related to prohibited credit discrimination. S 3389 - Expanding Access to Lending Options Act - This bill allows the National Credit Union Administration Board to increase the federal credit union loan maturity cap from 15 to 20 years. HR__, the Small Business Fairness Lending Act HR 1491, the Fair Debt Collection Practices for Servicemembers Act - This bill prohibits a debt collector from representing to service members that failure to cooperate with a debt collector will result in a reduction of rank, a revocation of security clearance, or military prosecution. The Government Accountability Office must report on the impact of this prohibition on the timely delivery of information to service members, military readiness, and national security. HR 2498, the Private Loan Disability Discharge Act - A legislative analyst in the Congressional Research Service will begin analyzing this legislation after text becomes available. HR 2537, the Consumer Protection for Medical Debt Collections Act - To amend the Fair Debt Collection Practices Act to provide a timetable for the collection of medical debt by debt collectors, to amend the Fair Credit Reporting Act to prohibit consumer reporting agencies from issuing consumer reports containing information about debts related to medically necessary procedures, and for other purposes. HR 1657, the Ending Debt Collection Harassment Act - To amend the Consumer Financial Protection Act of 2010 and the Fair Debt Collection Practices Act to improve consumer protections relating to debt collection practices, and for other purposes HR 2572, the Stop Debt Collection Abuse Act - To amend the Fair Debt Collection Practices Act to restrict the debt collection practices of certain debt collectors. HR __, the Debt Collection Practices Harmonization Act - This bill applies certain consumer protections regarding debt collection to debt owed to a state. It also specifies that existing limits on civil damages awarded for abusive practices by a debt collector must be adjusted for inflation. HR 2458, the Non-Judicial Foreclosure Debt Collection Clarification Act - To amend the Fair Debt Collection Practices Act to clarify that the definition of a debt collector includes, in all cases, a person in a business the principal purpose of which is the enforcement of security interests.