Fairness for Struggling Students Act of 2013

Support S. 114 Support H.R. 532 Support S. 113 Support H.R. 3543 / S. 1761

Client expense: $68,750 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Occupational Safety & Health Administration (OSHA), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), White House Office

Support for the Office of Mortgage Settlement Oversight to add fair lending metrics to his review of the loans made by the financial institutions. Support H.R. 645 Support the CFPB's proposed Loan Officer ruleSupport S. 114 Support H.R. 532 Make specific proposals for maximizing the impact of the Independent Foreclossre REview (IFR) to the Office of the Comptroller of the Currency (OCC) and the Federal Reserve. Encourage regulators (including the Federal Reserve, the CFPB, the FDIC and the OCC) nto stop federally chartered banks from using their federal charters from circumventing state and local anti-predatory lending laws surrounding short term or "payday" loans. Support the CFPB fully counting creditor payments to brokers in the determination of points and fees. Support Rich Cordray as Director of CFPB. Support HR 1330 Support S. 673 Oppose H. R. 1077 / S. 949 Urge the CFPB to take specific steps to ensure that student loan modifications are combined with other policies to provide relief to borrowers and prevent defaults in the future. Request a meeting between the NAACP and the US Department of Treasury and various industries who serve primarily racial and ethnic minority, and African American, neighborhoods. Support the Medical Debt Responsibility Act of 2013, S. 160 / H.R. 1767. Oppose H.R. 1566. Support the FDIC and OCC proposed guidance on bank Deposit Advance Products, particularly the underwriting requirements and limits on repeat loans. Support requiring that private education lenders obtain school certification prior to disbursing private education loans. Oppose S. 1217. Support the recent activities of the CFPB aimed at ending discriminatory lending practices in the auto finance market that harm minority car buyers. Support Mel Watt's nomination as Director of the Federal Housing Finance Agency (FHFA). Support H.R. 1330. Support S. 1238. Oppose H.R. 1911. Oppose S. 1003. Support S. 953Urge regulators to take strong actions to protect consumers and the integrity of the payment system by stopping depository institutions and payment processors from facilitating electronic payments for illegal transactions, including illegal payday loans. Oppose H.R. 3211. Urge the Federal Housing Finncing Agency (FHFA) not to pull Fannie Mae and Freddie Mae back from the multifamily housing sector. Supported the CFPB efforts to create a user-friendly site to access HMDA data, and offered suggestions to improve its usefulness to users. Oppose statutorily imposed down payment mandates on future mortgages through the housing finance system. Support appropriate oversight and guidence by the CFPB on overdraft charges on debit cards. Appreciate the inclusion of certain elements of GSE reform as contained in S. 1217, but expressed concern about the fact that a number of elements seemed to be lacking which are important to the unique attributes of many racial and ehtnic minority homebuyers. Support the Depsrtment of Defense strengthening the Military Lending Act by expanding the definition of "consumer credit" to include all credit covered by the federal Truth in Lending Act and overdraft protection programs. In addition, protections should be applied to rent-to-own transactions. Support the proposed "Qualified Mortgage" rule as written by the Consumer Financial Protection Bureau. Support the Consumer Financial Protection Bureau on its recent guidance on indirect auto lending. Strongly support adopting the same standards for Qualified Residential Mortgages as they have for Qualified Mortgage loans. Oppose HR 2385; oppose HR 2446; oppose the Bureau of Consumer Financial Protection Accountability and Transparency Act of 2013; oppose H.R. 3193; oppose H.R. 3183; oppose H.R. 2571. Support the Ability to Repay standard and its implementation. Oppose H.R. 3519, the Bureau of Consumer Financial Protection Accountability and Transparency Act. Oppose H.R. 2446, the mis-named Responsible Consumer Financial Protection Regulations Act. Oppose H.R. 1077 / S. 1577 / H.R.2767 / H.R.3211 / S.949. Support any future housing finance system affirmatively establishing pathways to sustainable and affordable homeownership for a wide range of qualified buyers as well as assure an adequate supply of safe and affordable rental homes. Support Affordable Housing Goals and a duty to serve. Support Janet Yellen to serve as Chairwoman of the Board of Governors of the Federal Reserve System. Oppose HR 3193, HR 2385, HR 2446, H.R. 3519, and H.R. 2571. Support an FHFA reversal of the GSE policy on principal reduction.Support reform of the debt collection industry to improve remedies; require documentation about the debt; Require Retention of and Access to Information about Debt Collection Efforts and the Consumer; Adopt Clear Responsibility for Ensuring Collectors Have Complete Information; Require Documentation to Initiate Suit; Prohibit Abusive, Deceptive, Unfair and Harassing Debt Collection Activities by Creditors as well as Collectors; Limit the Number of Telephone Contacts Per Week; Require Collectors to Honor Oral Requests to Cease Communication; Mandate a Simpler Notice of the Right to Verification and to Cease Communication; Mandate Itemization and Meaningful Investigations of Disputes; Stop Collection of Time-Barred Debt; Prevent Abuses of Credit Reports; Protect the Privacy of Servicemembers and Other Consumers; Protect Consumers in Medical Debt Collections; Protect Consumers in Student Loan Debt Collections; and Ban enforcement of forced arbitration clauses when consumers assert claims of illegal debt collection. Support the proposed diversity standards included in the Agencies' Proposed Interagency Policy Statement Establishing Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the Agencies and Request for Comment. Support Brown (OH) amendment to section 803 of S. 1217. This amendment will significantly improve how servicing is done. In regards to GSE reform, we urged the committe to not provide FMIC insurance to purely private capital markets deals; to ensure strong equity requirements for guarantors; to ensure the new system can serve all regions and eligible borrowers before flipping the switch; to provide pricing transparency and standardization for consumers; to uphold the principles of fair housing and fair lending; to permit more flexibility for the down payment requirement; do not limit the system to QM loans as defined by the CFPB; to facilitate effective loss mitigation by loan servicers; simplify the market-based incentive to provide access to underserved markets; broaden the funding base to provide adequate funding for the Market Access Fund; ensure that FMIC and its offices can collect and use data from market participants to further the purposes of the Act and provide adequate public disclosure; and any down payment requirement must be flexible and established by the regulators. Support the Menendez (NJ) amendment to S. 1217 to address a number of fair housing issues related to the proposed new housing finance system. Support the Federal Housing Finance Agency moving expeitiously toward implementing the Enterprise duty to serve rule as mandated by the Housing and Economic Recovery Act of 2008. Support H.R. 3543 / S. 1761, the Permanently Protecting Tenants at Foreclosure Act. Oppose bringing S. 1217 to the full Senate floor for consideration. Support President Obama nominating new Governors for the two open seats on the Federal Reserve Board who will strongly and effectively represent Main Street, and the aspirations for stability and financial progress of hard working families across the country. Oppose H.R. 3389, H.R. 4262, H.R. 4383, H.R. 4539, H.R. 4604, H.R. 3770, H.R. 4684, H.R. 4662, and the Bureau Examination Fairness Act Support HR 5130 Support the Consumer Financial Protection Bureaus proposed national telephone survey of 1,000 credit card holders as part of its study of pre-dispute binding mandatory (or forced) arbitration. Applaud the CFPB or the substantive work of its staff in developing the Preliminary Results of the Section 1028 Arbitration Study, and for identifying important issues for further study. As the Bureaus research continues, we urge a special focus on the impact of class mandatory arbitration clauses on the ability of individuals to vindicate their rights to a financial marketplace free of discrimination.Oppose abusive and aggressive debt collecting practices and support strong action by the Consumer Financial Protection Bureau to address them. Support H.R. 645 / S. 1837 Support H.R. 3543 / S. 1761 Support S. 2432. Support urging the CFPB to consider the civil rights implications of mandatory arbitration, including whether the increasing use of arbitration clauses in consumer contracts affects the ability of victims of discriminatory lending practices to seek redress in its study of mandatory arbitration conducted pursuant to Section 1028 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. Support the reevaluation of all asset disposition policies and programs of HUD to ensure they promote sales to owner-occupant homebuyers rather than investors. Support HR 4984. Oppose HR 3913, HR 4042, HR 5148, and HR 5018. Support allowing consumers to stop preauthorized payments, reverse unlawful payments to illegal payday lenders and others, charge related fees, or make it hard to close their account. Support the Consumer Financial Protection Bureau (CFPB) proposal to publish consumer narratives in the public complaint database. Support expected rulemaking by the CFPB addressing payday and car title lending adequately take into account, and address, the profound and disproportionate harm these products have caused and continue to inflict on the communities served and represented by the NAACP. Oppose high price, exploitative payday lending. Support the proposed changes to HMDAs reporting requirements, as proposed y the Consumer Financial Protection Bureu, for mortgage lenders. Any new guarantee fee structure must be reviewed to ascertain its disparate impact on the already limited access to credit in minority neighborhoods. Support H.R. 1767. Support legislation reqiring HMDA-like reporting for auto loans.Support any rule addressing payday, installment, car title or any other short term lending product issued by the CFPB accomplish the following: 1.Require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; 2.Does not sanction any series of repeat loans or provide any safe harbor of poorly underwritten loans; 3.Establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines 90 days in a twelve-month period. 4.Restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Oppose HR 3211. Support the Department of Labor (DOL)s efforts to update and strengthen the outdated rules adopted 40 years ago that apply when individuals receive professional advice about their retirement investments. Support efforts by the FHA to himplement a new system that categorizes loan errors and treats them differently depending on how significant they are and whether they are intentional, and they have asked for comments on their proposal, but also suggest improvements to the proposed changes. Support prohibiting lenders from providing compensation to auto dealers through interest rate markups. Oppose S. 2732. Support the Department of Defenses (DoD) Proposed Rule regarding Limitations on Terms of Consumer Credit Extended to Service Members and Dependents. Oppose HR 1602.

Client expense: $68,750 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Occupational Safety & Health Administration (OSHA), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), White House Office

Monitored and actively lobbied on bankruptcy issues as relating to discharge ability of student loans including S. 114, Fairness for Struggling Students Act of 2013.

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Bankruptcy as it relates to consumer loans, including HR101, HR532, HR646, and S114

Client expense: $790,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 114, Fairness for Struggling Students Act, all provisions

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

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of Government Ethics (OGE), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Please see addendum.Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs proposed rule on credit union service organizations Issues related to NCUAs rule on net worth and bargain purchase agreements Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs proposed rule regarding loan participations Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to derivatives and NCUAs proposed rule related to credit union use of derivatives Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues related to NCUAs Minority Depository Institution program Issues relating to home-based credit unions Issues related to NCUAs Appraisal Management Company proposal Issues related to NCUAs risk-based capital proposal Issues related to the Johnson-Crapo Housing Finance Reform proposal Issues related to NCUAs proposed rule on securitization Issues related to NCUAs regulatory review process Issues related to Ginnie Mae capital Issues related to the nomination of J. Mark McWatters to be a member of the National Credit Union Administration Board Issues related to a discussion draft of legislation entitled, The Bureau Guidance Transparency Act Issues related to a discussion draft of legislation entitled, Preventing Regulatory Abuse Act of 2014 Issues related to a discussion draft of legislation entitled, Bureau Examination Fairness Act Issues related to credit union service to marijuana businesses Issues related to financial literacy Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to membership eligibility in the Federal Home Loan Bank System.Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA H.R. 450, Bureau of Consumer Financial Protection Accountability Act, all provisions H.R. 688, Credit Union Small Business Jobs Creation Act of 2013, all provisions H.R. 719, Capital Access for Small Businesses and Jobs Act of 2013, all provisions H.R. 736, Responsible Homeowner Refinancing Act of 2013, all provisions H.R. 749, Eliminate Privacy Notice Confusion Act of 2013, all provisions H.R. 801, Holding Company Registration Threshold Equalization Act of 2013, all provisions H.R. 839, Prompt Notification of Short Sale Act, all provisions H.R. 861, Elder Abuse Victims Act of 2013, all provisions H.R. 927, Common Sense Economic Recovery Act of 2013, all provisions H.R. 1077, Consumer Mortgage Choice Act H.R. 1255, Home Construction Lending Regulatory Improvement Act of 2013, all provisions H.R. 1261, Overdraft Protection Act of 2013, all provisions H.R. 1538, a bill to provide incentives to encourage financial institutions and small businesses to provide continuing financial education to customers, borrowers and employees, all provisions H.R. 1553, Financial Institution Examination Fairness and Reform Act, all provisions H.R. 1566, a bill to create a Federal Charter for Internet consumer credit corporations, all provisions H.R. 1603, a bill to support and promote community financial institutions in the mutual form, all provisions H.R. 1646, a bill to amend the Federal Credit Union Act to provide an exception from the member business loan cap for loans made to aid in the recovery from a disaster, all provisions H.R. 1694, a bill to allow the Secretary of Treasury to rely on State examinations for certain financial institutions, all provisions H.R. 1750, the CLEAR Relief Act, all provisions H.R. 1754, Preserving American Homeownership Act of 2013, all provisions H.R. 1779, Preserving Access to Manufactured Housing Act of 2013, all provisions H.R. 1862, Capital Access for Small Community Financial Institutions, all provisions H.R. 2136, Small Business Credit Availability Act, all provisions H.R. 2295, Basel III CASE Act, all provisions H.R. 2379, Qualified Mortgage Loan Originator Transitional Authority Act, all provisions H.R. 2419, a bill to amend the Truth in Lending Act to provide coverage under such Act for credit cards issued to small businesses, all provisions H.R. 2512, a bill to amend the Truth in Lending Act to establish clear regulatory standards for mortgage servicers, all provisions H.R. 2547, a bill to determine appropriate risk based capital requirements for community, mid-size, and regional institutions, all provisions H.R. 2561, a bill to provide for the removal of default information form a borrowers credit report with respect to certain rehabilitated education loans, all provisions H.R. 2571, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act to require the Bureau of Consumer Financial Protection to notify and obtain permission from consumers before collecting nonpublic personal information about such consumers, all provisions H.R. 2572, a bill to improve the regulation of credit unions and depository institutions and to provide regulatory relief, all provisions H.R. 2580, a bill to allow homeowners of moderate-value homes who are subject to mortgage foreclosure proceedings to remain in their homes as renters, all provisions H.R. 2652, Marijuana Businesses Access to Banking Act of 2013 H.R. 2672, CFPB Rural Designation Petition and Correction Act H.R. 2673, the Portfolio Lending Mortgage Access Act, all provisions H.R. 2733, Defending American Taxpayers From Abusive Government Takings Act of 2013 H.R. 2767, Protecting American Taxpayers and Homeowners Act of 2013 H.R. 2816, To extend the pilot program under section 258 of the National Housing Act that establishes an automated process for providing alternative credit rating information for mortgagors and prospective mortgagors under certain mortgages. H.R. 2917, Financial Security Credit Act of 2013 H.R. 2961, To amend the Truth in Lending Act and the Higher Education Act of 1965 to require additional disclosures and protections for students and cosigners with respect to student loans, and for other purposes.H.R. 3036, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision, and for other purposes. H.R. 3137, Freedom and Mobility in Consumer Banking Act, all provisions H.R. 3310, Annuity Safety and Security under Reasonable Enforcement Act, all provisions H.R. 3312, Homeowners Flood Insurance Relief Act, all provisions H.R. 3317, Holding Individual Accountable and Deterring Money Laundering Act, all provisions H.R. 3329, a bill to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, all provisions. H.R. 3370, Homeowner Flood Insurance Affordability Act, all provisions H.R. 3374, the American Savings Promotion Act, all provisions H.R. 3468, the Credit Union Share Insurance Parity Act, all provisions H.R. 3584, a bill to amend the Federal Home Loan Bank Act to authorize privately insured credit unions to become members of a Federal home loan bank, all provisions H.R. 3770, Inspector General Act H.R. 4042, Community Bank Mortgage Servicing Asset Capital Requirements Study Act, all provisions H.R. 4167, the Restoring Proven Financing for American Employers Act H.R. 4226, Credit Union Residential Loan Parity Act, all provisions H.R. 4466, the Financial Regulatory Clarity Act of 2014 H.R. 4521, the Community Institution Mortgage Relief Act, all provisions H.R. 4626, the SAFE Act Confidentiality and Privilege Enhancement Act, all provisions H.R. 4804, the Bureau Examination Fairness Act, all provisions H.R. 4986, End Operation Choke Point Act, all provisions H.R. 5148, Access to Affordable Mortgages Act, all provisions H.R. 5403, Reforming CFPB Indirect Auto Financing Guidance Act, all provisions H.R. 5461, the Insurance Capital Standards Clarification Act of 2014 H.R. 5758, Financial Institutions Customer Protection Act of 2014 Kildee Amendment to H.R. 1960, National Defense Authorization Act, related to disclosures required under the Military Lending Act S. 113, Know Before You Owe Private Student Loan Act, all provisions S. 114, Fairness for Struggling Student Act, all provisions S. 172, Stopping Abuse and Fraud in Electronic (SAFE) Lending Act of 2013, all provisions S. 187, Deceptive Loan Check Elimination Act, all provisions S. 205, Responsible Consumer Financial Protection Regulations Act of 2013, all provisions S. 249, Responsible Homeowner Refinancing Act of 2013, all provisions S. 361, Prompt Notification of Short Sale Act of 2013, all provisions S. 450, Financial Regulatory Responsibility Act of 2013, all provisions S. 451, a bill to make technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, all provisions S. 563, Jumpstart GSE Reform Act, all provisions S. 635, Privacy Notice Modernization Act of 2013, all provisions S. 673, Protecting Consumers from Unreasonable Credit Rates Act, all provisions S. 676, Identity Theft and Tax Fraud Prevention Act of 2013, all provisions S. 727, Financial Institutions Examination Fairness and Reform Act, all provisions S. 731, Basel III CASE Act, all provisions S. 733, Basel III Impact Study Act, all provisions S. 798, Terminating Bailouts for Taxpayer Fairness Act, all provisions S. 872, Holding Company Registration Threshold Equalization Act, all provisions S. 947, SAFE Act Confidentiality and Privilege Enhancement Act, all provisions S. 968, Small Business Lending Enhancement Act, all provisions S. 985, a bill to repeal certain provisions of the Gramm-Leach-Bliley Act and revive the separation between commercial banking and the securities business, in the manner provided in the Banking Act of 1933, the so-called "Glass-Steagall Act," all provisionsS. 996, a bill to improve the National Flood Insurance Program, all provisions S. 1002, Home Building Lending Improvement Act, all provisions S. 1048, the Mortgage Finance Act, all provisions S. 1098, a bill to reform the Biggert-Waters Flood Insurance Reform Act of 2012 to responsibly protect homeownership, all provisions S. 1176, a bill to impose a fine with respect to international remittance transfers if the sender is unable to verify legal status in the United States, all provisions S. 1217, Housing Finance Reform and Taxpayer Protection Act, all provisions S. 1229, a bill to amend the Truth in Lending Act to empower the States to set the maximum annual percentage rates applicable to consumer credit transactions, all provisions S. 1282, 21st Century Glass-Steagall Act of 2013 S. 1349, a bill to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. S. 1511, the Mortgage Choice Act, all provisions S. 1534, Freedom and Mobility in Consumer Banking Act, all provisions S. 1538, FIX Credit Reporting Errors Act, all provisions S. 1577, Mortgage Choice Act, all provisions S. 1597, the American Savings Promotion Act, all provisions S. 1610, Homeowner Flood Insurance Affordability Act, all provisions S. 1806, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions, all provisions S. 1867, Prepaid Card Consumer Protection Act of 2013, all provisions S. 1916, the HELP Rural Communities Act, all provisions S. 2641, the Portfolio Lending Enhancement Act, all provisions S. 2698, the Regulatory Easement for Lending Institutions Act, Title II and Title III. S. 2699, a Bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. S. Res. 105, a resolution designating April 2013 as Financial Literacy Month Johnson / Crapo amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions Moran / Manchin amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions Toomey / Coburn amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions

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

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of Government Ethics (OGE), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

S. 113 by DURBIN (D-IL) Know Before You Owe Student Loan Act of 2013 S. 114 by DURBIN (D-IL) Fairness for Struggling Students Act of 2013 S. 262 by DURBIN (D-IL) Veterans Education Equity Act of 2013 S. 406 by LAUTENBERG (D-NJ) Students First Act of 2013 S. 528 by HAGAN (D-NC) Protecting Financial Aid for Students and Taxpayers Act S. 546 by HARKIN (D-IA) Smarter Borrowing Act S. 682 by COBURN (R-OK) Comprehensive Student Loan Protection Act S. 707 by REED (D-RI) Student Loan Affordability Act S. 835 by SCHUMER (D-NY) American Opportunity Tax Credit Permanence and Consolidation Act of 2013 S. 897 by WARREN (D-MA) Bank on Student Loan Fairness Act S. 915 by WYDEN (D-OR) Student Right-to-Know Before You Go Act of 2013 S. 953 by REED (D-RI) Student Loan Affordability Act S. 1003 by COBURN (R-OK) to amend the HEA re student loan interest rates S. 1062 by REED (D-RI) Educator Preparation Reform Act S. 1704 by DURBIN (D-IL) Affordable College Textbook Act S. 1873 by REED (D-RI) Protect Student Borrowers Act S. 1874 by REED (D-RI) Partnerships for Affordability and Student Success Act S. 1904 by LEE (R-UT) Higher Education Reform and Opportunity Act of 2013 S. 2164 by MURRAY (D-WA) Tyler Clementi Higher Education Anti-Harassment Act of 2014 S. 2349 by SANDERS (I-VT) Supporting College Success Through Dual Enrollment Act S. 2506 by HAGAN (D-NC) CREATE Graduates Act S. 2513 by BENNET (D-CO) Advancing Competency-Based Education Demonstration Project Act of 2014 S. 2612 by WARNER (D-VA) Dynamic Repayment Act of 2014 S. 2692 by McCASKILL (D-MO) Campus Accountability and Safety Act S. 2695 by BOXER (D-CA) SOS Campus Act H.R. 217 by HONDA (D-CA) Educator Preparation Reform Act H.R. 340 by GRIJALVA (D-AZ) Protecting Financial Aid for Students and Taxpayers H.R. 1313 by BASS (D-CA) Student Loan Fairness Act H.R. 1595 by COURTNEY (D-CT) Student Loan Relief Act H.R. 1716 by PETRI (R-WI) Earnings Contingent Education Loans Act H.R. 1738 by DOGGETT (D-TX) American Opportunity Tax Credit Act of 2013 H.R. 1911 by KLINE (R-MN) Smarter Solutions for Students Act H.R. 1928 by DELAURO (D-CT) Proprietary Institution of Higher Education Accountability Act H.R. 1937 by HUNTER (R-CA) Student Right-to-Know Before You Go Act of 2013 H.R. 1949 by MESSER (R-IN) Improving Postsecondary Data for Students Act H.R. 2020 by CARTWRIGHT (D-PA) Truth in Tuition Act S. 2340 by BOOKER (D-NJ) Simplifying Financial Aid for Students Act of 2014 S. 2612 by WARNER (D-VA) Dynamic Repayment Act pf 2-14 H.R. 2637 by FOXX (R-NC) Supporting Academic Freedom through Regulatory Relief Act S. 2796 by BALDWIN (D-WI) Working Student Aid of 2014 H.R. 3136 by SALMON (R-AZ) Advancing Competency-Based Education Demonstration Project Act of 2014 H.R. 3371 by HINOJOSA (D-TX) State Loan Access and Student Protection Act H.R. 3393 by BLACK (R-IN) Student and Family Tax Simplification Act H.R. 3412 by GOWDY (R-SC) Flexibility to Innovate for College Affordability Act H.R. 3496 by COHEN (D-TN) Protecting Our Students and Taxpayers (POST) H.R. 3505 by PETRI (R-WI) Technology, Equality and Accessibility in College and Higher Education Act (TEACH) H.R. 3694 by CUMMINGS (D-MD) Net Price Calculator Improvement Act H.R. 4612 by DeSANTIS (R-FL) Higher Education Reform and Opportunity Act (HERO Act) H.R. 4643 by LARSEN (D-WA) Bereaved Borrowers Bill of Rights Act of 2014 H.R. 4719 by REED (R-NY) America Gives More Act H.R. 4982 by BUCSHON (R-IN) Simplifying the Application for Student Aid Act H.R. 4983 by FOXX (R-NC) Strengthening Transparency in Higher Education Act H.R. 4984 by GUTHRIE (R-KY) Empowering Students through Enhanced Financial Counseling Act H.R. 5277 by DAVIS (D-CA) SOS Campus Act H.R. 5354 by MALONEY (D-NY) Campus Accountability and Safety Act Not listed on Agencies: Consumer Financial Protection Bureau

Client expense: $71,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Office of Management & Budget (OMB), SENATE, Veterans Affairs, Dept of (VA), White House Office

S. 113 by DURBIN (D-IL) Know Before You Owe Student Loan Act of 2013 S. 114 by DURBIN (D-IL) Fairness for Struggling Students Act of 2013 S. 262 by DURBIN (D-IL) Veterans Education Equity Act of 2013 S. 406 by LAUTENBERG (D-NJ) Students First Act of 2013 S. 528 by HAGAN (D-NC) Protecting Financial Aid for Students and Taxpayers Act S. 546 by HARKIN (D-IA) Smarter Borrowing Act S. 682 by COBURN (R-OK) Comprehensive Student Loan Protection Act S. 707 by REED (D-RI) Student Loan Affordability Act S. 835 by SCHUMER (D-NY) American Opportunity Tax Credit Permanence and Consolidation Act of 2013 S. 897 by WARREN (D-MA) Bank on Student Loan Fairness Act S. 915 by WYDEN (D-OR) Student Right-to-Know Before You Go Act of 2013 S. 953 by REED (D-RI) Student Loan Affordability Act S. 1003 by COBURN (R-OK) to amend the HEA re student loan interest rates S. 1062 by REED (D-RI) Educator Preparation Reform Act S. 1704 by DURBIN (D-IL) Affordable College Textbook Act S. 1873 by REED (D-RI) Protect Student Borrowers Act S. 1874 by REED (D-RI) Partnerships for Affordability and Student Success Act S. 1904 by LEE (R-UT) Higher Education Reform and Opportunity Act of 2013 S. 2164 by MURRAY (D-WA) Tyler Clementi Higher Education Anti-Harassment Act of 2014 S. 2349 by SANDERS (I-VT) Supporting College Success Through Dual Enrollment Act S. 2506 by HAGAN (D-NC) CREATE Graduates Act S. 2513 by BENNET (D-CO) Advancing Competency-Based Education Demonstration Project Act of 2014 S. 2612 by WARNER (D-VA) Dynamic Repayment Act of 2014 S. 2692 by McCASKILL (D-MO) Campus Accountability and Safety Act S. 2695 by BOXER (D-CA) SOS Campus Act H.R. 217 by HONDA (D-CA) Educator Preparation Reform Act H.R. 340 by GRIJALVA (D-AZ) Protecting Financial Aid for Students and Taxpayers H.R. 1313 by BASS (D-CA) Student Loan Fairness Act H.R. 1595 by COURTNEY (D-CT) Student Loan Relief Act H.R. 1716 by PETRI (R-WI) Earnings Contingent Education Loans Act H.R. 1738 by DOGGETT (D-TX) American Opportunity Tax Credit Act of 2013 H.R. 1911 by KLINE (R-MN) Smarter Solutions for Students Act H.R. 1928 by DELAURO (D-CT) Proprietary Institution of Higher Education Accountability Act H.R. 1937 by HUNTER (R-CA) Student Right-to-Know Before You Go Act of 2013 H.R. 1949 by MESSER (R-IN) Improving Postsecondary Data for Students Act H.R. 2020 by CARTWRIGHT (D-PA) Truth in Tuition Act S. 2340 by BOOKER (D-NJ) Simplifying Financial Aid for Students Act of 2014 S. 2612 by WARNER (D-VA) Dynamic Repayment Act pf 2-14 H.R. 2637 by FOXX (R-NC) Supporting Academic Freedom through Regulatory Relief Act S. 2796 by BALDWIN (D-WI) Working Student Aid of 2014 H.R. 3136 by SALMON (R-AZ) Advancing Competency-Based Education Demonstration Project Act of 2014 H.R. 3371 by HINOJOSA (D-TX) State Loan Access and Student Protection Act H.R. 3393 by BLACK (R-IN) Student and Family Tax Simplification Act H.R. 3412 by GOWDY (R-SC) Flexibility to Innovate for College Affordability Act H.R. 3496 by COHEN (D-TN) Protecting Our Students and Taxpayers (POST) H.R. 3505 by PETRI (R-WI) Technology, Equality and Accessibility in College and Higher Education Act (TEACH) H.R. 3694 by CUMMINGS (D-MD) Net Price Calculator Improvement Act H.R. 4612 by DeSANTIS (R-FL) Higher Education Reform and Opportunity Act (HERO Act) H.R. 4643 by LARSEN (D-WA) Bereaved Borrowers Bill of Rights Act of 2014 H.R. 4719 by REED (R-NY) America Gives More Act H.R. 4982 by BUCSHON (R-IN) Simplifying the Application for Student Aid Act H.R. 4983 by FOXX (R-NC) Strengthening Transparency in Higher Education Act H.R. 4984 by GUTHRIE (R-KY) Empowering Students through Enhanced Financial Counseling Act H.R. 5277 by DAVIS (D-CA) SOS Campus Act H.R. 5354 by MALONEY (D-NY) Campus Accountability and Safety Act Not listed on Agencies: Consumer Financial Protection Bureau

Client expense: $71,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Office of Management & Budget (OMB), SENATE, Veterans Affairs, Dept of (VA), White House Office

S.1003/S.953/H.R.1911, Comprehensive Student Loan Protection Act/Student Loan Affordability Act/Smarter Solutions for Students Act, in opposition to the doubling of Stafford loan interest rates; S.1088/H.R.1652, Student Nondiscrimination Act, in support of prohibiting discrimination based on gender identity or sexual orientation in public schools; S.1094/H.R.5, Strengthening America's Schools Act/Student Success Act, in support of reauthorizing ESEA, improving accountability, including policies to reduce bullying and harassment, ensuring civil rights protections for students at charter schools, better data reporting and transparency in athletics programs, in opposition to federally funded vouchers; S.113, Know Before You Owe Private Student Loan Act, in support of ensuring students exhaust federal financial aid before taking on private student loans; S.114/H.R.532, Fairness for Struggling Students Act/Private Student Loan Bankruptcy Fairness Act, in support of allowing private students loans to be dischargeable in bankruptcy; S.1238, Keep Student Loans Affordable Act, in support of reversing the doubling of Stafford Loan interest rates, in opposition to moving student loans to a market-based interest rate; S.146, School Safety and Campus Enhancements Act, in support of providing grants to schools to help ensure student safety, including bullying and harassment prevention; S.216/H.R.482, Tyler Clementi Higher Education Anti-Harassment Act, in support of preventing and responding to bullying and harassment at institutions of higher education; S.217/H.R.455, High School Data Transparency Act, in support of the collection and dissemination of participation and expense data regarding high school athletics; S.403, Safe Schools Improvement Act, in support encouraging states, districts, and schools to develop policies and programs to prevent and appropriately respond to instances of bullying and harassment; S.519/H.R.1041, PRE-K Act, in support of improving pre-kindergarten quality; S.546, Smarter Borrowing Act, in support of additional counseling for students taking on education debt; S.840/H.R.1736, School Principal Recruitment and Training Act, in support of recruiting, supporting, and preparing high-quality principals to improve student academic achievement in high-need schools; S.870/H.R.1845, Pregnant and Parenting Students Access to Education Act, in support of establishing and funding policies and practices that are supportive of pregnant and parenting youth; in support of strong gainful employment regulations; in support of mandatory certification in private student lending; in support of changes to the FAFSA to better represent LGBT individuals and families; H.R.367, REINS Act, in opposition to limiting the administration's regulatory authority; S. 1909/ S. 1968, CHOICE Act/ Scholarship For Kids Act, in opposition to diverting public funds to private or religious elementary and secondary schools; Higher Education Affordability Act, in support of reauthorizing the Higher Education Act with attention to improving access and affordability for students, accountablity for institutions, and ending harassment and violence on campus; in support of ending sexual violence on college campuses by ensuring all schools assess their climate, follow existing federal laws, and better coordinate with community partners; S. 2194, Pell Grant Protection Act, in support of setting the maximum Pell grant to increase with inflation every year; HR 5159, The Schedules That Work Act, in support of schedules that provide employees a voice at work, benefiting both business and families; S. 2432, Bank on Students Emergency Loan Refinancing Act, in support of amendments to the Higher Education Act of 1965 to provide for the refinancing of certain Federal student loans, and for other purposes; H.R. 5031, STEM Education Act, in support of adding computer science to the definition of STEM at the Federal level, amending the National Science Foundation's Noyce Master Teacher Fellowship program to expand eligibility to current math and science teachers who already have a bachelor's degree in a STEM field.

Client expense: $50,000 · Firm income: Not reported

Government targets: Bureau of Citizenship & Immigration Services (BCIS), Education, Dept of, Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of the Vice President of the United States, SENATE, White House Office

(1) Support efforts to make consumer bankruptcy laws fairer, including elimination of medical debts on credit reports (S 160) and similar House proposals) and support efforts to remove private student loans from permanent credit reporting (eliminate inability to discharge them in bankruptcy) (HR 532, S 114). (2) Oppose H.R. 982, the "Furthering Asbestos Claim Transparency Act" or FACT Act.

Client expense: $5,752 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR)

Dodd-Frank Act implementation issues; Capital issues; H.R. 613, Systemic Risk Mitigation Act, all provisions; S. 798, Terminating Bailouts for Taxpayer Fairness Act of 2013, all provisions; S. 1282, 21st Century Glass-Steagall Act of 2013, all provisions; S. 114, Fairness for Struggling Students Act of 2013, issues pertaining to Volcker Rule treatment of Collateralized Loan Obligations (CLOs) including HR 4167, the Restoring Proven Financing for American Employees Act; H.R. 4558 and S. 2381, Flood Insurance Market Parity and Modernization Act, all provisions; Issues pertaining to reauthorization of the US Export Import Bank; S. 2244, Terrorism Risk Insurance Program Reauthorization Act, all provisions; H.R. 4871, TRIA Reform, all provisions; Issues relating to Department of Education rulemaking concerning campus card products; S. 1861, The Taxpayer Protection and Responsible Resolution Act, all provisions; H.R. 5421, Financial Institution Bankruptcy Act of 2014, all provisions; H.R. 5461, Legislation combining Dodd Frank Act clarifications including Volcker CLO reforms, derivatives end user reforms, QM points/fee changes, insurance capital reforms, all provisions; S. 2588, Cybersecurity Information Sharing Act of 2014, all provisions.

Client expense: $1,580,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), Risk Management Agency, SENATE, Treasury, Dept of

S. 114, Fairness for Struggling Students Act of 2013, relating to the discharge of student loans in bankruptcy

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 114, Fairness for Struggling Students Act, all provisions

Client expense: $1,060,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of Government Ethics (OGE), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Please see addendum.Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs proposed rule on credit union service organizations Issues related to NCUAs rule on net worth and bargain purchase agreements Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs proposed rule regarding loan participations Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to derivatives and NCUAs proposed rule related to credit union use of derivatives Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues related to NCUAs Minority Depository Institution program Issues relating to home-based credit unions Issues related to NCUAs Appraisal Management Company proposal Issues related to NCUAs risk-based capital proposal Issues related to the Johnson-Crapo Housing Finance Reform proposal Issues related to NCUAs proposed rule on securitization Issues related to NCUAs regulatory review process Issues related to Ginnie Mae capital Issues related to the nomination of J. Mark McWatters to be a member of the National Credit Union Administration Board Issues related to a discussion draft of legislation entitled, The Bureau Guidance Transparency Act Issues related to a discussion draft of legislation entitled, Preventing Regulatory Abuse Act of 2014 Issues related to a discussion draft of legislation entitled, Bureau Examination Fairness Act Issues related to credit union service to marijuana businesses Issues related to financial literacy Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to membership eligibility in the Federal Home Loan Bank System.H.R. 450, Bureau of Consumer Financial Protection Accountability Act, all provisions H.R. 688, Credit Union Small Business Jobs Creation Act of 2013, all provisions H.R. 719, Capital Access for Small Businesses and Jobs Act of 2013, all provisions H.R. 736, Responsible Homeowner Refinancing Act of 2013, all provisions H.R. 749, Eliminate Privacy Notice Confusion Act of 2013, all provisions H.R. 801, Holding Company Registration Threshold Equalization Act of 2013, all provisions H.R. 839, Prompt Notification of Short Sale Act, all provisions H.R. 861, Elder Abuse Victims Act of 2013, all provisions H.R. 927, Common Sense Economic Recovery Act of 2013, all provisions H.R. 1077, Consumer Mortgage Choice Act H.R. 1255, Home Construction Lending Regulatory Improvement Act of 2013, all provisions H.R. 1261, Overdraft Protection Act of 2013, all provisions H.R. 1538, a bill to provide incentives to encourage financial institutions and small businesses to provide continuing financial education to customers, borrowers and employees, all provisions H.R. 1553, Financial Institution Examination Fairness and Reform Act, all provisions H.R. 1566, a bill to create a Federal Charter for Internet consumer credit corporations, all provisions H.R. 1603, a bill to support and promote community financial institutions in the mutual form, all provisions H.R. 1646, a bill to amend the Federal Credit Union Act to provide an exception from the member business loan cap for loans made to aid in the recovery from a disaster, all provisions H.R. 1694, a bill to allow the Secretary of Treasury to rely on State examinations for certain financial institutions, all provisions H.R. 1750, the CLEAR Relief Act, all provisions H.R. 1754, Preserving American Homeownership Act of 2013, all provisions H.R. 1779, Preserving Access to Manufactured Housing Act of 2013, all provisions H.R. 1862, Capital Access for Small Community Financial Institutions, all provisions H.R. 2136, Small Business Credit Availability Act, all provisions H.R. 2295, Basel III CASE Act, all provisions H.R. 2379, Qualified Mortgage Loan Originator Transitional Authority Act, all provisions H.R. 2419, a bill to amend the Truth in Lending Act to provide coverage under such Act for credit cards issued to small businesses, all provisions H.R. 2512, a bill to amend the Truth in Lending Act to establish clear regulatory standards for mortgage servicers, all provisions H.R. 2547, a bill to determine appropriate risk based capital requirements for community, mid-size, and regional institutions, all provisions H.R. 2561, a bill to provide for the removal of default information form a borrowers credit report with respect to certain rehabilitated education loans, all provisions H.R. 2571, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act to require the Bureau of Consumer Financial Protection to notify and obtain permission from consumers before collecting nonpublic personal information about such consumers, all provisions H.R. 2572, a bill to improve the regulation of credit unions and depository institutions and to provide regulatory relief, all provisions H.R. 2580, a bill to allow homeowners of moderate-value homes who are subject to mortgage foreclosure proceedings to remain in their homes as renters, all provisions H.R. 2652, Marijuana Businesses Access to Banking Act of 2013 H.R. 2672, CFPB Rural Designation Petition and Correction Act H.R. 2673, the Portfolio Lending Mortgage Access Act, all provisions H.R. 2733, Defending American Taxpayers From Abusive Government Takings Act of 2013 H.R. 2767, Protecting American Taxpayers and Homeowners Act of 2013 H.R. 2816, To extend the pilot program under section 258 of the National Housing Act that establishes an automated process for providing alternative credit rating information for mortgagors and prospective mortgagors under certain mortgages. H.R. 2917, Financial Security Credit Act of 2013 H.R. 2961, To amend the Truth in Lending Act and the Higher Education Act of 1965 to require additional disclosures and protections for students and cosigners with respect to student loans, and for other purposes. H.R. 3036, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision, and for other purposes.H.R. 3137, Freedom and Mobility in Consumer Banking Act, all provisions H.R. 3310, Annuity Safety and Security under Reasonable Enforcement Act, all provisions H.R. 3312, Homeowners Flood Insurance Relief Act, all provisions H.R. 3317, Holding Individual Accountable and Deterring Money Laundering Act, all provisions H.R. 3329, a bill to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, all provisions. H.R. 3370, Homeowner Flood Insurance Affordability Act, all provisions H.R. 3374, the American Savings Promotion Act, all provisions H.R. 3468, the Credit Union Share Insurance Parity Act, all provisions H.R. 3584, a bill to amend the Federal Home Loan Bank Act to authorize privately insured credit unions to become members of a Federal home loan bank, all provisions H.R. 4042, Community Bank Mortgage Servicing Asset Capital Requirements Study Act, all provisions H.R. 4226, Credit Union Residential Loan Parity Act, all provisions H.R. 4466, the Financial Regulatory Clarity Act of 2014 H.R. 4521, the Community Institution Mortgage Relief Act, all provisions H.R. 4626, the SAFE Act Confidentiality and Privilege Enhancement Act, all provisions H.R. 4804, the Bureau Examination Fairness Act, all provisions H.R. 4986, End Operation Choke Point Act, all provisions H.R. 5148, Access to Affordable Mortgages Act, all provisions H.R. 5403, Reforming CFPB Indirect Auto Financing Guidance Act, all provisions H.R. 5461, a Bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes, Title II and Title III. Kildee Amendment to H.R. 1960, National Defense Authorization Act, related to disclosures required under the Military Lending Act S. 113, Know Before You Owe Private Student Loan Act, all provisions S. 114, Fairness for Struggling Student Act, all provisions S. 172, Stopping Abuse and Fraud in Electronic (SAFE) Lending Act of 2013, all provisions S. 187, Deceptive Loan Check Elimination Act, all provisions S. 205, Responsible Consumer Financial Protection Regulations Act of 2013, all provisions S. 249, Responsible Homeowner Refinancing Act of 2013, all provisions S. 361, Prompt Notification of Short Sale Act of 2013, all provisions S. 450, Financial Regulatory Responsibility Act of 2013, all provisions S. 451, a bill to make technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, all provisions S. 563, Jumpstart GSE Reform Act, all provisions S. 635, Privacy Notice Modernization Act of 2013, all provisions S. 673, Protecting Consumers from Unreasonable Credit Rates Act, all provisions S. 676, Identity Theft and Tax Fraud Prevention Act of 2013, all provisions S. 727, Financial Institutions Examination Fairness and Reform Act, all provisions S. 731, Basel III CASE Act, all provisions S. 733, Basel III Impact Study Act, all provisions S. 798, Terminating Bailouts for Taxpayer Fairness Act, all provisions S. 872, Holding Company Registration Threshold Equalization Act, all provisions S. 947, SAFE Act Confidentiality and Privilege Enhancement Act, all provisions S. 968, Small Business Lending Enhancement Act, all provisions S. 985, a bill to repeal certain provisions of the Gramm-Leach-Bliley Act and revive the separation between commercial banking and the securities business, in the manner provided in the Banking Act of 1933, the so-called Glass-Steagall Act, all provisions S. 996, a bill to improve the National Flood Insurance Program, all provisions S. 1002, Home Building Lending Improvement Act, all provisions S. 1048, the Mortgage Finance Act, all provisionsS. 1098, a bill to reform the Biggert-Waters Flood Insurance Reform Act of 2012 to responsibly protect homeownership, all provisions S. 1176, a bill to impose a fine with respect to international remittance transfers if the sender is unable to verify legal status in the United States, all provisions S. 1217, Housing Finance Reform and Taxpayer Protection Act, all provisions S. 1229, a bill to amend the Truth in Lending Act to empower the States to set the maximum annual percentage rates applicable to consumer credit transactions, all provisions S. 1282, 21st Century Glass-Steagall Act of 2013 S. 1349, a bill to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. S. 1511, the Mortgage Choice Act, all provisions S. 1534, Freedom and Mobility in Consumer Banking Act, all provisions S. 1538, FIX Credit Reporting Errors Act, all provisions S. 1577, Mortgage Choice Act, all provisions S. 1597, the American Savings Promotion Act, all provisions S. 1610, Homeowner Flood Insurance Affordability Act, all provisions S. 1806, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions, all provisions S. 1867, Prepaid Card Consumer Protection Act of 2013, all provisions S. 1916, the HELP Rural Communities Act, all provisions S. 2641, the Portfolio Lending Enhancement Act, all provisions S. 2698, the Regulatory Easement for Lending Institutions Act, Title II and Title III. S. 2699, a Bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. S. Res. 105, a resolution designating April 2013 as Financial Literacy Month Johnson / Crapo amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions Moran / Manchin amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions Toomey / Coburn amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions

Client expense: $1,060,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of Government Ethics (OGE), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Bankruptcy as it relates to consumer loans, including HR101, HR532, HR646, and S114

Client expense: $290,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Monitored and actively lobbied on bankruptcy issues as relating to discharge ability of student loans including S. 114, Fairness for Struggling Students Act of 2013.

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Support for the Office of Mortgage Settlement Oversight to add fair lending metrics to his review of the loans made by the financial institutions. Support H.R. 645 Support the CFPB's proposed Loan Officer ruleSupport S. 114 Support H.R. 532 Make specific proposals for maximizing the impact of the Independent Foreclossre REview (IFR) to the Office of the Comptroller of the Currency (OCC) and the Federal Reserve. Encourage regulators (including the Federal Reserve, the CFPB, the FDIC and the OCC) nto stop federally chartered banks from using their federal charters from circumventing state and local anti-predatory lending laws surrounding short term or "payday" loans. Support the CFPB fully counting creditor payments to brokers in the determination of points and fees. Support Rich Cordray as Director of CFPB. Support HR 1330 Support S. 673 Oppose H. R. 1077 / S. 949 Urge the CFPB to take specific steps to ensure that student loan modifications are combined with other policies to provide relief to borrowers and prevent defaults in the future. Request a meeting between the NAACP and the US Department of Treasury and various industries who serve primarily racial and ethnic minority, and African American, neighborhoods. Support the Medical Debt Responsibility Act of 2013, S. 160 / H.R. 1767. Oppose H.R. 1566. Support the FDIC and OCC proposed guidance on bank Deposit Advance Products, particularly the underwriting requirements and limits on repeat loans. Support requiring that private education lenders obtain school certification prior to disbursing private education loans. Oppose S. 1217. Support the recent activities of the CFPB aimed at ending discriminatory lending practices in the auto finance market that harm minority car buyers. Support Mel Watt's nomination as Director of the Federal Housing Finance Agency (FHFA). Support H.R. 1330. Support S. 1238. Oppose H.R. 1911. Oppose S. 1003. Support S. 953Urge regulators to take strong actions to protect consumers and the integrity of the payment system by stopping depository institutions and payment processors from facilitating electronic payments for illegal transactions, including illegal payday loans. Oppose H.R. 3211. Urge the Federal Housing Finncing Agency (FHFA) not to pull Fannie Mae and Freddie Mae back from the multifamily housing sector. Supported the CFPB efforts to create a user-friendly site to access HMDA data, and offered suggestions to improve its usefulness to users. Oppose statutorily imposed down payment mandates on future mortgages through the housing finance system. Support appropriate oversight and guidence by the CFPB on overdraft charges on debit cards. Appreciate the inclusion of certain elements of GSE reform as contained in S. 1217, but expressed concern about the fact that a number of elements seemed to be lacking which are important to the unique attributes of many racial and ehtnic minority homebuyers. Support the Depsrtment of Defense strengthening the Military Lending Act by expanding the definition of "consumer credit" to include all credit covered by the federal Truth in Lending Act and overdraft protection programs. In addition, protections should be applied to rent-to-own transactions. Support the proposed "Qualified Mortgage" rule as written by the Consumer Financial Protection Bureau. Support the Consumer Financial Protection Bureau on its recent guidance on indirect auto lending. Strongly support adopting the same standards for Qualified Residential Mortgages as they have for Qualified Mortgage loans. Oppose HR 2385; oppose HR 2446; oppose the Bureau of Consumer Financial Protection Accountability and Transparency Act of 2013; oppose H.R. 3193; oppose H.R. 3183; oppose H.R. 2571. Support the Ability to Repay standard and its implementation. Oppose H.R. 3519, the Bureau of Consumer Financial Protection Accountability and Transparency Act. Oppose H.R. 2446, the mis-named Responsible Consumer Financial Protection Regulations Act. Oppose H.R. 1077 / S. 1577 / H.R.2767 / H.R.3211 / S.949. Support any future housing finance system affirmatively establishing pathways to sustainable and affordable homeownership for a wide range of qualified buyers as well as assure an adequate supply of safe and affordable rental homes. Support Affordable Housing Goals and a duty to serve. Support Janet Yellen to serve as Chairwoman of the Board of Governors of the Federal Reserve System. Oppose HR 3193, HR 2385, HR 2446, H.R. 3519, and H.R. 2571. Support an FHFA reversal of the GSE policy on principal reduction.Support reform of the debt collection industry to improve remedies; require documentation about the debt; Require Retention of and Access to Information about Debt Collection Efforts and the Consumer; Adopt Clear Responsibility for Ensuring Collectors Have Complete Information; Require Documentation to Initiate Suit; Prohibit Abusive, Deceptive, Unfair and Harassing Debt Collection Activities by Creditors as well as Collectors; Limit the Number of Telephone Contacts Per Week; Require Collectors to Honor Oral Requests to Cease Communication; Mandate a Simpler Notice of the Right to Verification and to Cease Communication; Mandate Itemization and Meaningful Investigations of Disputes; Stop Collection of Time-Barred Debt; Prevent Abuses of Credit Reports; Protect the Privacy of Servicemembers and Other Consumers; Protect Consumers in Medical Debt Collections; Protect Consumers in Student Loan Debt Collections; and Ban enforcement of forced arbitration clauses when consumers assert claims of illegal debt collection. Support the proposed diversity standards included in the Agencies' Proposed Interagency Policy Statement Establishing Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the Agencies and Request for Comment. Support Brown (OH) amendment to section 803 of S. 1217. This amendment will significantly improve how servicing is done. In regards to GSE reform, we urged the committe to not provide FMIC insurance to purely private capital markets deals; to ensure strong equity requirements for guarantors; to ensure the new system can serve all regions and eligible borrowers before flipping the switch; to provide pricing transparency and standardization for consumers; to uphold the principles of fair housing and fair lending; to permit more flexibility for the down payment requirement; do not limit the system to QM loans as defined by the CFPB; to facilitate effective loss mitigation by loan servicers; simplify the market-based incentive to provide access to underserved markets; broaden the funding base to provide adequate funding for the Market Access Fund; ensure that FMIC and its offices can collect and use data from market participants to further the purposes of the Act and provide adequate public disclosure; and any down payment requirement must be flexible and established by the regulators. Support the Menendez (NJ) amendment to S. 1217 to address a number of fair housing issues related to the proposed new housing finance system. Support the Federal Housing Finance Agency moving expeitiously toward implementing the Enterprise duty to serve rule as mandated by the Housing and Economic Recovery Act of 2008. Support H.R. 3543 / S. 1761, the Permanently Protecting Tenants at Foreclosure Act. Oppose bringing S. 1217 to the full Senate floor for consideration. Support President Obama nominating new Governors for the two open seats on the Federal Reserve Board who will strongly and effectively represent Main Street, and the aspirations for stability and financial progress of hard working families across the country. Oppose H.R. 3389, H.R. 4262, H.R. 4383, H.R. 4539, H.R. 4604, H.R. 3770, H.R. 4684, H.R. 4662, and the Bureau Examination Fairness Act Support HR 5130 Support the Consumer Financial Protection Bureaus proposed national telephone survey of 1,000 credit card holders as part of its study of pre-dispute binding mandatory (or forced) arbitration. Applaud the CFPB or the substantive work of its staff in developing the Preliminary Results of the Section 1028 Arbitration Study, and for identifying important issues for further study. As the Bureaus research continues, we urge a special focus on the impact of class mandatory arbitration clauses on the ability of individuals to vindicate their rights to a financial marketplace free of discrimination.Oppose abusive and aggressive debt collecting practices and support strong action by the Consumer Financial Protection Bureau to address them. Support H.R. 645 / S. 1837 Support H.R. 3543 / S. 1761 Support S. 2432. Support urging the CFPB to consider the civil rights implications of mandatory arbitration, including whether the increasing use of arbitration clauses in consumer contracts affects the ability of victims of discriminatory lending practices to seek redress in its study of mandatory arbitration conducted pursuant to Section 1028 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. Support the reevaluation of all asset disposition policies and programs of HUD to ensure they promote sales to owner-occupant homebuyers rather than investors. Support HR 4984. Oppose HR 3913, HR 4042, HR 5148, and HR 5018. Support allowing consumers to stop preauthorized payments, reverse unlawful payments to illegal payday lenders and others, charge related fees, or make it hard to close their account. Support the Consumer Financial Protection Bureau (CFPB) proposal to publish consumer narratives in the public complaint database. Support expected rulemaking by the CFPB addressing payday and car title lending adequately take into account, and address, the profound and disproportionate harm these products have caused and continue to inflict on the communities served and represented by the NAACP.

Client expense: $68,750 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Occupational Safety & Health Administration (OSHA), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), White House Office

Support S. 114, Support H.R. 532, Support S. 113, Support HR 1330 Oppose private school voucher or tuition tax credit program., oppose Alexander amendment to S Con Res 8 Support the Pregnant and Parenting Students Access to Education Act, S. 870 / H.R. 1845Support the Department of Education initiating new rulemaking to effectively enforce the statutory gainful employment requirement for career education programs, so that the rules can be finalized by November 1 and go into effect by July 2014. Urge the CFPB to take specific steps to ensure that student loan modifications are combined with other policies to provide relief to borrowers and prevent defaults in the future. Support the Student Non-Discrimination Act. Support HR 378. Oppose S. 624. Support requiring that private education lenders obtain school certification prior to disbursing private education loans. Support S.1094, the Strengthening Americas Schools Act of 2013 (SASA). Oppose S. 1101, the Every Child Ready for College or Career Act of 2013. Support $7.9 billion in FY 2014 from the Department of Health and Human Services for Head Start activities. Oppose any amendments to H.R. 5, The Student Success Act, that would allow the expenditure of scarce federal funds on private school vouchers. Support Connect-Ed and e-Rate programs, but not at the expense of Lifeline. Support the critical work of the Civil Rights Division at the Department of Justice (DOJ) and the Office of Civil Rights (OCR) at the Department of Education (ED) to enforce civil rights laws, including Title IXs protections against sex discrimination in educational programs receiving federal funds. Oppose any funding increases for school resource officer programs in the Commerce, Justice, and Science, and Related Agencies (CJS) Appropriations bill for fiscal year 2014. Oppose H.R. 5. Support the appointment of Linda Earley Chastang as the Executive Director of the White House Initiative on Historically Black Colleges and Universities (HBCUs). Support: targeting significant new federal funding to schools with high concentrations of poverty to implement meaningful educational opportunities for, and support high academic achievement by, all their students; providing significant additional financial incentives to states that in fact enhance their own funding of schools with high concentrations of poor, low-income, minority, and low-performing students; developing mechanisms that allow the federal government to monitor the ongoing performance of its new equity and excellence investments to ensure those investments are in fact enhancing student achievement; and making it clear that high quality education is a civil right which should be available to all Americans. Support H.R. 1330. Support S. 1238. Oppose H.R. 1911. Support S. 2432.Oppose S. 1003. Support S. 953. Support increased federal involvement in the operation of public schools throughout the U.S., including a heightened premium on the enforcement of existing civil rights laws and a greater federal investment of resources in public education. Support the Department of Education's proposal to expand the Mandatory Civil Rights Data Collection (CRDC) to include questions that will elicit information about bullying and harassment based on sexual orientation and religion, which will augment data already collected on race, color, national origin, sex, and disability. We also encouraged the Department to collect information on bullying and harassment based on gender identity. Oppose the Education Department's proposal to eliminate questions on the CRDC relating to whether an education unit has adopted written policies prohibiting harassment and bullying on the basis of a civil rights law. Oppose H.R. 2637, the Academic Freedom through Regulatory Relief Act. Support S. 403 / H.R. 1199, the Safe Schools Improvement Act. Support E-Rate and the presidents ConnectED initiative, which would leverage E-Rate to connect 99 percent of students to high-speed broadband or high-speed wireless in five years. Oppose cannibalizing other low-income telecommunications subsidies under the Universal Service Fund to pay for E-Rate and ConnectEd. Oppose the Department of Educations implementation of new underwriting standards for the Parent PLUS Loan (PPL) program. Support a meeting with Secretary Duncan to discuss the future of the program. Support HR 1343 Support the reauthorization of the Carl D. Perkins Career and Technical Education Act. Support the Department of Education's proposed "Gainful Employment" rule, with special emphasis on the portions which provide financial relief for students in programs that lose eligibility; limit enrollment in poorly performing programs until they improve; close loopholes and raise standards; and protect low-cost programs where most graduates dont borrow. Support H.R. 4902 / S. 2374. Oppose the funding of the District of Columbia private school voucher program in the FY2015 Financial Services Appropriations bill. Support President Obama's Boys and Young Men of Color Initiave, amd urge the initiative to focus on the following principals: Promoting Healthy Children, Families and Communities; Ensuring Educational Opportunity; Decriminalizing Young People of Color; Creating ; Economic Opportunity; and Promoting and Protecting Civic and Community Engagement. Support the Federal Communication Commissions E-Rate Program. Support H.R. 3136 Support Peters (CA) Motion to recommit H.R. 4435. Support Jackson Lee amendment to HR 10 Oppose HR 10Support S. 1086. Support HR 3136. Support HR 4984. Support the FCC aking steps to ensure that the E-rate fund can meet all present and future E-rate support needs of low-income schools and libraries; specifically, if the FCC maintains the distinction between priority one and priority two services, it should guarantee funding for internal connections for the highest discount rate schools. Any temporary increase in the funding cap should not result in an increase in the cost of telecommunications services for consumers, or endanger support for other Universal Service Fund programs such as Lifeline/Link Up. Support a permanent increase in funding to the E-rate program to allow schools and public libraries to keep pace with the rapidly increasing connectivity demands that they face. Support H.R. 4902 / S 2374. Oppose any amendment to H. R. 5016, the Fiscal Year 2015 Financial Services and General Government Appropriations bill which would in any way restrict or reduce funding for the FCCs e-rate program. Urge the development and implementation of the My Brothers' Keeper program in conjunction with input from local communities.

Client expense: $68,750 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Occupational Safety & Health Administration (OSHA), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), White House Office

Support S. 114 Support H.R. 532 Support S. 113 Support H.R. 3543 / S. 1761

Client expense: $68,750 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Occupational Safety & Health Administration (OSHA), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), White House Office

Support S. 114, Support H.R. 532, Support S. 113, Support HR 1330 Oppose private school voucher or tuition tax credit program., oppose Alexander amendment to S Con Res 8 Support the Pregnant and Parenting Students Access to Education Act, S. 870 / H.R. 1845Support the Department of Education initiating new rulemaking to effectively enforce the statutory gainful employment requirement for career education programs, so that the rules can be finalized by November 1 and go into effect by July 2014. Urge the CFPB to take specific steps to ensure that student loan modifications are combined with other policies to provide relief to borrowers and prevent defaults in the future. Support the Student Non-Discrimination Act. Support HR 378. Oppose S. 624. Support requiring that private education lenders obtain school certification prior to disbursing private education loans. Support S.1094, the Strengthening Americas Schools Act of 2013 (SASA). Oppose S. 1101, the Every Child Ready for College or Career Act of 2013. Support $7.9 billion in FY 2014 from the Department of Health and Human Services for Head Start activities. Oppose any amendments to H.R. 5, The Student Success Act, that would allow the expenditure of scarce federal funds on private school vouchers. Support Connect-Ed and e-Rate programs, but not at the expense of Lifeline. Support the critical work of the Civil Rights Division at the Department of Justice (DOJ) and the Office of Civil Rights (OCR) at the Department of Education (ED) to enforce civil rights laws, including Title IXs protections against sex discrimination in educational programs receiving federal funds. Oppose any funding increases for school resource officer programs in the Commerce, Justice, and Science, and Related Agencies (CJS) Appropriations bill for fiscal year 2014. Oppose H.R. 5. Support the appointment of Linda Earley Chastang as the Executive Director of the White House Initiative on Historically Black Colleges and Universities (HBCUs). Support: targeting significant new federal funding to schools with high concentrations of poverty to implement meaningful educational opportunities for, and support high academic achievement by, all their students; providing significant additional financial incentives to states that in fact enhance their own funding of schools with high concentrations of poor, low-income, minority, and low-performing students; developing mechanisms that allow the federal government to monitor the ongoing performance of its new equity and excellence investments to ensure those investments are in fact enhancing student achievement; and making it clear that high quality education is a civil right which should be available to all Americans. Support H.R. 1330. Support S. 1238. Oppose H.R. 1911. Support S. 2432.Oppose S. 1003. Support S. 953. Support increased federal involvement in the operation of public schools throughout the U.S., including a heightened premium on the enforcement of existing civil rights laws and a greater federal investment of resources in public education. Support the Department of Education's proposal to expand the Mandatory Civil Rights Data Collection (CRDC) to include questions that will elicit information about bullying and harassment based on sexual orientation and religion, which will augment data already collected on race, color, national origin, sex, and disability. We also encouraged the Department to collect information on bullying and harassment based on gender identity. Oppose the Education Department's proposal to eliminate questions on the CRDC relating to whether an education unit has adopted written policies prohibiting harassment and bullying on the basis of a civil rights law. Oppose H.R. 2637, the Academic Freedom through Regulatory Relief Act. Support S. 403 / H.R. 1199, the Safe Schools Improvement Act. Support E-Rate and the presidents ConnectED initiative, which would leverage E-Rate to connect 99 percent of students to high-speed broadband or high-speed wireless in five years. Oppose cannibalizing other low-income telecommunications subsidies under the Universal Service Fund to pay for E-Rate and ConnectEd. Oppose the Department of Educations implementation of new underwriting standards for the Parent PLUS Loan (PPL) program. Support a meeting with Secretary Duncan to discuss the future of the program. Support HR 1343 Support the reauthorization of the Carl D. Perkins Career and Technical Education Act. Support the Department of Education's proposed "Gainful Employment" rule, with special emphasis on the portions which provide financial relief for students in programs that lose eligibility; limit enrollment in poorly performing programs until they improve; close loopholes and raise standards; and protect low-cost programs where most graduates dont borrow. Support H.R. 4902 / S. 2374. Oppose the funding of the District of Columbia private school voucher program in the FY2015 Financial Services Appropriations bill. Support President Obama's Boys and Young Men of Color Initiave, amd urge the initiative to focus on the following principals: Promoting Healthy Children, Families and Communities; Ensuring Educational Opportunity; Decriminalizing Young People of Color; Creating ; Economic Opportunity; and Promoting and Protecting Civic and Community Engagement. Support the Federal Communication Commissions E-Rate Program. Support H.R. 3136 Support Peters (CA) Motion to recommit H.R. 4435. Support Jackson Lee amendment to HR 10 Oppose HR 10Support S. 1086

Client expense: $68,750 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Office of Personnel Management (OPM), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, Veterans Affairs, Dept of (VA), White House Office

Support for the Office of Mortgage Settlement Oversight to add fair lending metrics to his review of the loans made by the financial institutions. Support H.R. 645 Support the CFPB's proposed Loan Officer ruleSupport S. 114 Support H.R. 532 Make specific proposals for maximizing the impact of the Independent Foreclossre REview (IFR) to the Office of the Comptroller of the Currency (OCC) and the Federal Reserve. Encourage regulators (including the Federal Reserve, the CFPB, the FDIC and the OCC) nto stop federally chartered banks from using their federal charters from circumventing state and local anti-predatory lending laws surrounding short term or "payday" loans. Support the CFPB fully counting creditor payments to brokers in the determination of points and fees. Support Rich Cordray as Director of CFPB. Support HR 1330 Support S. 673 Oppose H. R. 1077 / S. 949 Urge the CFPB to take specific steps to ensure that student loan modifications are combined with other policies to provide relief to borrowers and prevent defaults in the future. Request a meeting between the NAACP and the US Department of Treasury and various industries who serve primarily racial and ethnic minority, and African American, neighborhoods. Support the Medical Debt Responsibility Act of 2013, S. 160 / H.R. 1767. Oppose H.R. 1566. Support the FDIC and OCC proposed guidance on bank Deposit Advance Products, particularly the underwriting requirements and limits on repeat loans. Support requiring that private education lenders obtain school certification prior to disbursing private education loans. Oppose S. 1217. Support the recent activities of the CFPB aimed at ending discriminatory lending practices in the auto finance market that harm minority car buyers. Support Mel Watt's nomination as Director of the Federal Housing Finance Agency (FHFA). Support H.R. 1330. Support S. 1238. Oppose H.R. 1911. Oppose S. 1003. Support S. 953Urge regulators to take strong actions to protect consumers and the integrity of the payment system by stopping depository institutions and payment processors from facilitating electronic payments for illegal transactions, including illegal payday loans. Oppose H.R. 3211. Urge the Federal Housing Finncing Agency (FHFA) not to pull Fannie Mae and Freddie Mae back from the multifamily housing sector. Supported the CFPB efforts to create a user-friendly site to access HMDA data, and offered suggestions to improve its usefulness to users. Oppose statutorily imposed down payment mandates on future mortgages through the housing finance system. Support appropriate oversight and guidence by the CFPB on overdraft charges on debit cards. Appreciate the inclusion of certain elements of GSE reform as contained in S. 1217, but expressed concern about the fact that a number of elements seemed to be lacking which are important to the unique attributes of many racial and ehtnic minority homebuyers. Support the Depsrtment of Defense strengthening the Military Lending Act by expanding the definition of "consumer credit" to include all credit covered by the federal Truth in Lending Act and overdraft protection programs. In addition, protections should be applied to rent-to-own transactions. Support the proposed "Qualified Mortgage" rule as written by the Consumer Financial Protection Bureau. Support the Consumer Financial Protection Bureau on its recent guidance on indirect auto lending. Strongly support adopting the same standards for Qualified Residential Mortgages as they have for Qualified Mortgage loans. Oppose HR 2385; oppose HR 2446; oppose the Bureau of Consumer Financial Protection Accountability and Transparency Act of 2013; oppose H.R. 3193; oppose H.R. 3183; oppose H.R. 2571. Support the Ability to Repay standard and its implementation. Oppose H.R. 3519, the Bureau of Consumer Financial Protection Accountability and Transparency Act. Oppose H.R. 2446, the mis-named Responsible Consumer Financial Protection Regulations Act. Oppose H.R. 1077 / S. 1577 / H.R.2767 / H.R.3211 / S.949. Support any future housing finance system affirmatively establishing pathways to sustainable and affordable homeownership for a wide range of qualified buyers as well as assure an adequate supply of safe and affordable rental homes. Support Affordable Housing Goals and a duty to serve. Support Janet Yellen to serve as Chairwoman of the Board of Governors of the Federal Reserve System. Oppose HR 3193, HR 2385, HR 2446, H.R. 3519, and H.R. 2571. Support an FHFA reversal of the GSE policy on principal reduction.Support reform of the debt collection industry to improve remedies; require documentation about the debt; Require Retention of and Access to Information about Debt Collection Efforts and the Consumer; Adopt Clear Responsibility for Ensuring Collectors Have Complete Information; Require Documentation to Initiate Suit; Prohibit Abusive, Deceptive, Unfair and Harassing Debt Collection Activities by Creditors as well as Collectors; Limit the Number of Telephone Contacts Per Week; Require Collectors to Honor Oral Requests to Cease Communication; Mandate a Simpler Notice of the Right to Verification and to Cease Communication; Mandate Itemization and Meaningful Investigations of Disputes; Stop Collection of Time-Barred Debt; Prevent Abuses of Credit Reports; Protect the Privacy of Servicemembers and Other Consumers; Protect Consumers in Medical Debt Collections; Protect Consumers in Student Loan Debt Collections; and Ban enforcement of forced arbitration clauses when consumers assert claims of illegal debt collection. Support the proposed diversity standards included in the Agencies' Proposed Interagency Policy Statement Establishing Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the Agencies and Request for Comment. Support Brown (OH) amendment to section 803 of S. 1217. This amendment will significantly improve how servicing is done. In regards to GSE reform, we urged the committe to not provide FMIC insurance to purely private capital markets deals; to ensure strong equity requirements for guarantors; to ensure the new system can serve all regions and eligible borrowers before flipping the switch; to provide pricing transparency and standardization for consumers; to uphold the principles of fair housing and fair lending; to permit more flexibility for the down payment requirement; do not limit the system to QM loans as defined by the CFPB; to facilitate effective loss mitigation by loan servicers; simplify the market-based incentive to provide access to underserved markets; broaden the funding base to provide adequate funding for the Market Access Fund; ensure that FMIC and its offices can collect and use data from market participants to further the purposes of the Act and provide adequate public disclosure; and any down payment requirement must be flexible and established by the regulators. Support the Menendez (NJ) amendment to S. 1217 to address a number of fair housing issues related to the proposed new housing finance system. Support the Federal Housing Finance Agency moving expeitiously toward implementing the Enterprise duty to serve rule as mandated by the Housing and Economic Recovery Act of 2008. Support H.R. 3543 / S. 1761, the Permanently Protecting Tenants at Foreclosure Act. Oppose bringing S. 1217 to the full Senate floor for consideration. Support President Obama nominating new Governors for the two open seats on the Federal Reserve Board who will strongly and effectively represent Main Street, and the aspirations for stability and financial progress of hard working families across the country. Oppose H.R. 3389, H.R. 4262, H.R. 4383, H.R. 4539, H.R. 4604, H.R. 3770, H.R. 4684, H.R. 4662, and the Bureau Examination Fairness Act Support HR 5130 Support the Consumer Financial Protection Bureaus proposed national telephone survey of 1,000 credit card holders as part of its study of pre-dispute binding mandatory (or forced) arbitration. Applaud the CFPB or the substantive work of its staff in developing the Preliminary Results of the Section 1028 Arbitration Study, and for identifying important issues for further study. As the Bureaus research continues, we urge a special focus on the impact of class mandatory arbitration clauses on the ability of individuals to vindicate their rights to a financial marketplace free of discrimination.Oppose abusive and aggressive debt collecting practices and support strong action by the Consumer Financial Protection Bureau to address them. Support H.R. 645 / S. 1837 Support H.R. 3543 / S. 1761 Support S. 2432.

Client expense: $68,750 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Office of Personnel Management (OPM), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, Veterans Affairs, Dept of (VA), White House Office

Support S. 114 Support H.R. 532 Support S. 113 Support H.R. 3543 / S. 1761

Client expense: $68,750 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Office of Personnel Management (OPM), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, Veterans Affairs, Dept of (VA), White House Office

Support S. 114, Support H.R. 532, Support S. 113, Support HR 1330 Oppose private school voucher or tuition tax credit program., oppose Alexander amendment to S Con Res 8 Support the Pregnant and Parenting Students Access to Education Act, S. 870 / H.R. 1845Support the Department of Education initiating new rulemaking to effectively enforce the statutory gainful employment requirement for career education programs, so that the rules can be finalized by November 1 and go into effect by July 2014. Urge the CFPB to take specific steps to ensure that student loan modifications are combined with other policies to provide relief to borrowers and prevent defaults in the future. Support the Student Non-Discrimination Act. Support HR 378. Oppose S. 624. Support requiring that private education lenders obtain school certification prior to disbursing private education loans. Support S.1094, the Strengthening Americas Schools Act of 2013 (SASA). Oppose S. 1101, the Every Child Ready for College or Career Act of 2013. Support $7.9 billion in FY 2014 from the Department of Health and Human Services for Head Start activities. Oppose any amendments to H.R. 5, The Student Success Act, that would allow the expenditure of scarce federal funds on private school vouchers. Support Connect-Ed and e-Rate programs, but not at the expense of Lifeline. Support the critical work of the Civil Rights Division at the Department of Justice (DOJ) and the Office of Civil Rights (OCR) at the Department of Education (ED) to enforce civil rights laws, including Title IXs protections against sex discrimination in educational programs receiving federal funds. Oppose any funding increases for school resource officer programs in the Commerce, Justice, and Science, and Related Agencies (CJS) Appropriations bill for fiscal year 2014. Oppose H.R. 5. Support the appointment of Linda Earley Chastang as the Executive Director of the White House Initiative on Historically Black Colleges and Universities (HBCUs). Support: targeting significant new federal funding to schools with high concentrations of poverty to implement meaningful educational opportunities for, and support high academic achievement by, all their students; providing significant additional financial incentives to states that in fact enhance their own funding of schools with high concentrations of poor, low-income, minority, and low-performing students; developing mechanisms that allow the federal government to monitor the ongoing performance of its new equity and excellence investments to ensure those investments are in fact enhancing student achievement; and making it clear that high quality education is a civil right which should be available to all Americans. Support H.R. 1330. Support S. 1238. Oppose H.R. 1911. Support S. 2432.Oppose S. 1003. Support S. 953. Support increased federal involvement in the operation of public schools throughout the U.S., including a heightened premium on the enforcement of existing civil rights laws and a greater federal investment of resources in public education. Support the Department of Education's proposal to expand the Mandatory Civil Rights Data Collection (CRDC) to include questions that will elicit information about bullying and harassment based on sexual orientation and religion, which will augment data already collected on race, color, national origin, sex, and disability. We also encouraged the Department to collect information on bullying and harassment based on gender identity. Oppose the Education Department's proposal to eliminate questions on the CRDC relating to whether an education unit has adopted written policies prohibiting harassment and bullying on the basis of a civil rights law. Oppose H.R. 2637, the Academic Freedom through Regulatory Relief Act. Support S. 403 / H.R. 1199, the Safe Schools Improvement Act. Support E-Rate and the presidents ConnectED initiative, which would leverage E-Rate to connect 99 percent of students to high-speed broadband or high-speed wireless in five years. Oppose cannibalizing other low-income telecommunications subsidies under the Universal Service Fund to pay for E-Rate and ConnectEd. Oppose the Department of Educations implementation of new underwriting standards for the Parent PLUS Loan (PPL) program. Support a meeting with Secretary Duncan to discuss the future of the program. Support HR 1343 Support the reauthorization of the Carl D. Perkins Career and Technical Education Act. Support the Department of Education's proposed "Gainful Employment" rule, with special emphasis on the portions which provide financial relief for students in programs that lose eligibility; limit enrollment in poorly performing programs until they improve; close loopholes and raise standards; and protect low-cost programs where most graduates dont borrow. Support H.R. 4902 / S. 2374. Oppose the funding of the District of Columbia private school voucher program in the FY2015 Financial Services Appropriations bill. Support President Obama's Boys and Young Men of Color Initiave, amd urge the initiative to focus on the following principals: Promoting Healthy Children, Families and Communities; Ensuring Educational Opportunity; Decriminalizing Young People of Color; Creating ; Economic Opportunity; and Promoting and Protecting Civic and Community Engagement. Support the Federal Communication Commissions E-Rate Program. Support H.R. 3136 Support Peters (CA) Motion to recommit H.R. 4435. Support Jackson Lee amendment to HR 10 Oppose HR 10Support S. 1086

Client expense: $68,750 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Office of Personnel Management (OPM), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, Veterans Affairs, Dept of (VA), White House Office

Support for the Office of Mortgage Settlement Oversight to add fair lending metrics to his review of the loans made by the financial institutions. Support H.R. 645 Support the CFPB's proposed Loan Officer ruleSupport S. 114 Support H.R. 532 Make specific proposals for maximizing the impact of the Independent Foreclossre REview (IFR) to the Office of the Comptroller of the Currency (OCC) and the Federal Reserve. Encourage regulators (including the Federal Reserve, the CFPB, the FDIC and the OCC) nto stop federally chartered banks from using their federal charters from circumventing state and local anti-predatory lending laws surrounding short term or "payday" loans. Support the CFPB fully counting creditor payments to brokers in the determination of points and fees. Support Rich Cordray as Director of CFPB. Support HR 1330 Support S. 673 Oppose H. R. 1077 / S. 949 Urge the CFPB to take specific steps to ensure that student loan modifications are combined with other policies to provide relief to borrowers and prevent defaults in the future. Request a meeting between the NAACP and the US Department of Treasury and various industries who serve primarily racial and ethnic minority, and African American, neighborhoods. Support the Medical Debt Responsibility Act of 2013, S. 160 / H.R. 1767. Oppose H.R. 1566. Support the FDIC and OCC proposed guidance on bank Deposit Advance Products, particularly the underwriting requirements and limits on repeat loans. Support requiring that private education lenders obtain school certification prior to disbursing private education loans. Oppose S. 1217. Support the recent activities of the CFPB aimed at ending discriminatory lending practices in the auto finance market that harm minority car buyers. Support Mel Watt's nomination as Director of the Federal Housing Finance Agency (FHFA). Support H.R. 1330. Support S. 1238. Oppose H.R. 1911. Oppose S. 1003. Support S. 953Urge regulators to take strong actions to protect consumers and the integrity of the payment system by stopping depository institutions and payment processors from facilitating electronic payments for illegal transactions, including illegal payday loans. Oppose H.R. 3211. Urge the Federal Housing Finncing Agency (FHFA) not to pull Fannie Mae and Freddie Mae back from the multifamily housing sector. Supported the CFPB efforts to create a user-friendly site to access HMDA data, and offered suggestions to improve its usefulness to users. Oppose statutorily imposed down payment mandates on future mortgages through the housing finance system. Support appropriate oversight and guidence by the CFPB on overdraft charges on debit cards. Appreciate the inclusion of certain elements of GSE reform as contained in S. 1217, but expressed concern about the fact that a number of elements seemed to be lacking which are important to the unique attributes of many racial and ehtnic minority homebuyers. Support the Depsrtment of Defense strengthening the Military Lending Act by expanding the definition of "consumer credit" to include all credit covered by the federal Truth in Lending Act and overdraft protection programs. In addition, protections should be applied to rent-to-own transactions. Support the proposed "Qualified Mortgage" rule as written by the Consumer Financial Protection Bureau. Support the Consumer Financial Protection Bureau on its recent guidance on indirect auto lending. Strongly support adopting the same standards for Qualified Residential Mortgages as they have for Qualified Mortgage loans. Oppose HR 2385; oppose HR 2446; oppose the Bureau of Consumer Financial Protection Accountability and Transparency Act of 2013; oppose H.R. 3193; oppose H.R. 3183; oppose H.R. 2571. Support the Ability to Repay standard and its implementation. Oppose H.R. 3519, the Bureau of Consumer Financial Protection Accountability and Transparency Act. Oppose H.R. 2446, the mis-named Responsible Consumer Financial Protection Regulations Act. Oppose H.R. 1077 / S. 1577 / H.R.2767 / H.R.3211 / S.949. Support any future housing finance system affirmatively establishing pathways to sustainable and affordable homeownership for a wide range of qualified buyers as well as assure an adequate supply of safe and affordable rental homes. Support Affordable Housing Goals and a duty to serve. Support Janet Yellen to serve as Chairwoman of the Board of Governors of the Federal Reserve System. Oppose HR 3193, HR 2385, HR 2446, H.R. 3519, and H.R. 2571. Support an FHFA reversal of the GSE policy on principal reduction.Support reform of the debt collection industry to improve remedies; require documentation about the debt; Require Retention of and Access to Information about Debt Collection Efforts and the Consumer; Adopt Clear Responsibility for Ensuring Collectors Have Complete Information; Require Documentation to Initiate Suit; Prohibit Abusive, Deceptive, Unfair and Harassing Debt Collection Activities by Creditors as well as Collectors; Limit the Number of Telephone Contacts Per Week; Require Collectors to Honor Oral Requests to Cease Communication; Mandate a Simpler Notice of the Right to Verification and to Cease Communication; Mandate Itemization and Meaningful Investigations of Disputes; Stop Collection of Time-Barred Debt; Prevent Abuses of Credit Reports; Protect the Privacy of Servicemembers and Other Consumers; Protect Consumers in Medical Debt Collections; Protect Consumers in Student Loan Debt Collections; and Ban enforcement of forced arbitration clauses when consumers assert claims of illegal debt collection. Support the proposed diversity standards included in the Agencies' Proposed Interagency Policy Statement Establishing Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the Agencies and Request for Comment. Support Brown (OH) amendment to section 803 of S. 1217. This amendment will significantly improve how servicing is done. In regards to GSE reform, we urged the committe to not provide FMIC insurance to purely private capital markets deals; to ensure strong equity requirements for guarantors; to ensure the new system can serve all regions and eligible borrowers before flipping the switch; to provide pricing transparency and standardization for consumers; to uphold the principles of fair housing and fair lending; to permit more flexibility for the down payment requirement; do not limit the system to QM loans as defined by the CFPB; to facilitate effective loss mitigation by loan servicers; simplify the market-based incentive to provide access to underserved markets; broaden the funding base to provide adequate funding for the Market Access Fund; ensure that FMIC and its offices can collect and use data from market participants to further the purposes of the Act and provide adequate public disclosure; and any down payment requirement must be flexible and established by the regulators. Support the Menendez (NJ) amendment to S. 1217 to address a number of fair housing issues related to the proposed new housing finance system. Support the Federal Housing Finance Agency moving expeitiously toward implementing the Enterprise duty to serve rule as mandated by the Housing and Economic Recovery Act of 2008. Support H.R. 3543 / S. 1761, the Permanently Protecting Tenants at Foreclosure Act. Oppose bringing S. 1217 to the full Senate floor for consideration. Support President Obama nominating new Governors for the two open seats on the Federal Reserve Board who will strongly and effectively represent Main Street, and the aspirations for stability and financial progress of hard working families across the country. Oppose H.R. 3389, H.R. 4262, H.R. 4383, H.R. 4539, H.R. 4604, H.R. 3770, H.R. 4684, H.R. 4662, and the Bureau Examination Fairness Act Support HR 5130 Support the Consumer Financial Protection Bureaus proposed national telephone survey of 1,000 credit card holders as part of its study of pre-dispute binding mandatory (or forced) arbitration. Applaud the CFPB or the substantive work of its staff in developing the Preliminary Results of the Section 1028 Arbitration Study, and for identifying important issues for further study. As the Bureaus research continues, we urge a special focus on the impact of class mandatory arbitration clauses on the ability of individuals to vindicate their rights to a financial marketplace free of discrimination.Oppose abusive and aggressive debt collecting practices and support strong action by the Consumer Financial Protection Bureau to address them. Support H.R. 645 / S. 1837 Support H.R. 3543 / S. 1761 Support S. 2432.

Client expense: $68,750 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Office of Personnel Management (OPM), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, Veterans Affairs, Dept of (VA), White House Office

Support S. 114 Support H.R. 532 Support S. 113 Support H.R. 3543 / S. 1761

Client expense: $68,750 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Office of Personnel Management (OPM), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, Veterans Affairs, Dept of (VA), White House Office

Dodd-Frank Act implementation issues; Capital issues; H.R. 613, Systemic Risk Mitigation Act, all provisions; S. 798, Terminating Bailouts for Taxpayer Fairness Act of 2013, all provisions; S. 1282, 21st Century Glass-Steagall Act of 2013, all provisions; S. 114, Fairness for Struggling Students Act of 2013, Issues pertaining to Volcker Rule treatment of Collateralized Loan Obligations (CLOs) including HR 4167, the Restoring Proven Financing of American Employees Act; H.R. 4558 and S. 2381, Flood Insurance Market Parity and Modernization Act, all provisions; Issues pertaining to reauthorization of the US Export Import Bank; S. 2244, Terrorism Risk Insurance Program Reauthorization Act, all provisions; H.R. 4871, TRIA Reform of 2014, all provisions; Issues relating to Department of Education rulemaking concerning campus card products.

Client expense: $1,600,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Support S. 114 Support H.R. 532 Support S. 113

Client expense: $68,750 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Office of Personnel Management (OPM), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, Veterans Affairs, Dept of (VA), White House Office

Support for the Office of Mortgage Settlement Oversight to add fair lending metrics to his review of the loans made by the financial institutions. Support H.R. 645 Support the CFPB's proposed Loan Officer ruleSupport S. 114 Support H.R. 532 Make specific proposals for maximizing the impact of the Independent Foreclossre REview (IFR) to the Office of the Comptroller of the Currency (OCC) and the Federal Reserve. Encourage regulators (including the Federal Reserve, the CFPB, the FDIC and the OCC) nto stop federally chartered banks from using their federal charters from circumventing state and local anti-predatory lending laws surrounding short term or "payday" loans. Support the CFPB fully counting creditor payments to brokers in the determination of points and fees. Support Rich Cordray as Director of CFPB. Support HR 1330 Support S. 673 Oppose H. R. 1077 / S. 949 Urge the CFPB to take specific steps to ensure that student loan modifications are combined with other policies to provide relief to borrowers and prevent defaults in the future. Request a meeting between the NAACP and the US Department of Treasury and various industries who serve primarily racial and ethnic minority, and African American, neighborhoods. Support the Medical Debt Responsibility Act of 2013, S. 160 / H.R. 1767. Oppose H.R. 1566. Support the FDIC and OCC proposed guidance on bank Deposit Advance Products, particularly the underwriting requirements and limits on repeat loans. Support requiring that private education lenders obtain school certification prior to disbursing private education loans. Oppose S. 1217. Support the recent activities of the CFPB aimed at ending discriminatory lending practices in the auto finance market that harm minority car buyers. Support Mel Watt's nomination as Director of the Federal Housing Finance Agency (FHFA). Support H.R. 1330. Support S. 1238. Oppose H.R. 1911. Oppose S. 1003. Support S. 953Urge regulators to take strong actions to protect consumers and the integrity of the payment system by stopping depository institutions and payment processors from facilitating electronic payments for illegal transactions, including illegal payday loans. Oppose H.R. 3211. Urge the Federal Housing Finncing Agency (FHFA) not to pull Fannie Mae and Freddie Mae back from the multifamily housing sector. Supported the CFPB efforts to create a user-friendly site to access HMDA data, and offered suggestions to improve its usefulness to users. Oppose statutorily imposed down payment mandates on future mortgages through the housing finance system. Support appropriate oversight and guidence by the CFPB on overdraft charges on debit cards. Appreciate the inclusion of certain elements of GSE reform as contained in S. 1217, but expressed concern about the fact that a number of elements seemed to be lacking which are important to the unique attributes of many racial and ehtnic minority homebuyers. Support the Depsrtment of Defense strengthening the Military Lending Act by expanding the definition of "consumer credit" to include all credit covered by the federal Truth in Lending Act and overdraft protection programs. In addition, protections should be applied to rent-to-own transactions. Support the proposed "Qualified Mortgage" rule as written by the Consumer Financial Protection Bureau. Support the Consumer Financial Protection Bureau on its recent guidance on indirect auto lending. Strongly support adopting the same standards for Qualified Residential Mortgages as they have for Qualified Mortgage loans. Oppose HR 2385; oppose HR 2446; oppose the Bureau of Consumer Financial Protection Accountability and Transparency Act of 2013; oppose H.R. 3193; oppose H.R. 3183; oppose H.R. 2571. Support the Ability to Repay standard and its implementation. Oppose H.R. 3519, the Bureau of Consumer Financial Protection Accountability and Transparency Act. Oppose H.R. 2446, the mis-named Responsible Consumer Financial Protection Regulations Act. Oppose H.R. 1077 / S. 1577 / H.R.2767 / H.R.3211 / S.949. Support any future housing finance system affirmatively establishing pathways to sustainable and affordable homeownership for a wide range of qualified buyers as well as assure an adequate supply of safe and affordable rental homes. Support Affordable Housing Goals and a duty to serve. Support Janet Yellen to serve as Chairwoman of the Board of Governors of the Federal Reserve System. Oppose HR 3193, HR 2385, HR 2446, H.R. 3519, and H.R. 2571. Support an FHFA reversal of the GSE policy on principal reduction.Support reform of the debt collection industry to improve remedies; require documentation about the debt; Require Retention of and Access to Information about Debt Collection Efforts and the Consumer; Adopt Clear Responsibility for Ensuring Collectors Have Complete Information; Require Documentation to Initiate Suit; Prohibit Abusive, Deceptive, Unfair and Harassing Debt Collection Activities by Creditors as well as Collectors; Limit the Number of Telephone Contacts Per Week; Require Collectors to Honor Oral Requests to Cease Communication; Mandate a Simpler Notice of the Right to Verification and to Cease Communication; Mandate Itemization and Meaningful Investigations of Disputes; Stop Collection of Time-Barred Debt; Prevent Abuses of Credit Reports; Protect the Privacy of Servicemembers and Other Consumers; Protect Consumers in Medical Debt Collections; Protect Consumers in Student Loan Debt Collections; and Ban enforcement of forced arbitration clauses when consumers assert claims of illegal debt collection. Support the proposed diversity standards included in the Agencies' Proposed Interagency Policy Statement Establishing Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the Agencies and Request for Comment. Support Brown (OH) amendment to section 803 of S. 1217. This amendment will significantly improve how servicing is done. In regards to GSE reform, we urged the committe to not provide FMIC insurance to purely private capital markets deals; to ensure strong equity requirements for guarantors; to ensure the new system can serve all regions and eligible borrowers before flipping the switch; to provide pricing transparency and standardization for consumers; to uphold the principles of fair housing and fair lending; to permit more flexibility for the down payment requirement; do not limit the system to QM loans as defined by the CFPB; to facilitate effective loss mitigation by loan servicers; simplify the market-based incentive to provide access to underserved markets; broaden the funding base to provide adequate funding for the Market Access Fund; ensure that FMIC and its offices can collect and use data from market participants to further the purposes of the Act and provide adequate public disclosure; and any down payment requirement must be flexible and established by the regulators. Support the Menendez (NJ) amendment to S. 1217 to address a number of fair housing issues related to the proposed new housing finance system. Support the Federal Housing Finance Agency moving expeitiously toward implementing the Enterprise duty to serve rule as mandated by the Housing and Economic Recovery Act of 2008. Support H.R. 3543 / S. 1761, the Permanently Protecting Tenants at Foreclosure Act. Oppose bringing S. 1217 to the full Senate floor for consideration. Support President Obama nominating new Governors for the two open seats on the Federal Reserve Board who will strongly and effectively represent Main Street, and the aspirations for stability and financial progress of hard working families across the country. Oppose H.R. 3389, H.R. 4262, H.R. 4383, H.R. 4539, H.R. 4604, H.R. 3770, H.R. 4684, H.R. 4662, and the Bureau Examination Fairness Act Support HR 5130 Support the Consumer Financial Protection Bureaus proposed national telephone survey of 1,000 credit card holders as part of its study of pre-dispute binding mandatory (or forced) arbitration. Applaud the CFPB or the substantive work of its staff in developing the Preliminary Results of the Section 1028 Arbitration Study, and for identifying important issues for further study. As the Bureaus research continues, we urge a special focus on the impact of class mandatory arbitration clauses on the ability of individuals to vindicate their rights to a financial marketplace free of discrimination.

Client expense: $68,750 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Office of Personnel Management (OPM), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, Veterans Affairs, Dept of (VA), White House Office

Support S. 114, Support H.R. 532, Support S. 113, Support HR 1330 Oppose private school voucher or tuition tax credit program., oppose Alexander amendment to S Con Res 8 Support the Pregnant and Parenting Students Access to Education Act, S. 870 / H.R. 1845Support the Department of Education initiating new rulemaking to effectively enforce the statutory gainful employment requirement for career education programs, so that the rules can be finalized by November 1 and go into effect by July 2014. Urge the CFPB to take specific steps to ensure that student loan modifications are combined with other policies to provide relief to borrowers and prevent defaults in the future. Support the Student Non-Discrimination Act. Support HR 378. Oppose S. 624. Support requiring that private education lenders obtain school certification prior to disbursing private education loans. Support S.1094, the Strengthening Americas Schools Act of 2013 (SASA). Oppose S. 1101, the Every Child Ready for College or Career Act of 2013. Support $7.9 billion in FY 2014 from the Department of Health and Human Services for Head Start activities. Oppose any amendments to H.R. 5, The Student Success Act, that would allow the expenditure of scarce federal funds on private school vouchers. Support Connect-Ed and e-Rate programs, but not at the expense of Lifeline. Support the critical work of the Civil Rights Division at the Department of Justice (DOJ) and the Office of Civil Rights (OCR) at the Department of Education (ED) to enforce civil rights laws, including Title IXs protections against sex discrimination in educational programs receiving federal funds. Oppose any funding increases for school resource officer programs in the Commerce, Justice, and Science, and Related Agencies (CJS) Appropriations bill for fiscal year 2014. Oppose H.R. 5. Support the appointment of Linda Earley Chastang as the Executive Director of the White House Initiative on Historically Black Colleges and Universities (HBCUs). Support: targeting significant new federal funding to schools with high concentrations of poverty to implement meaningful educational opportunities for, and support high academic achievement by, all their students; providing significant additional financial incentives to states that in fact enhance their own funding of schools with high concentrations of poor, low-income, minority, and low-performing students; developing mechanisms that allow the federal government to monitor the ongoing performance of its new equity and excellence investments to ensure those investments are in fact enhancing student achievement; and making it clear that high quality education is a civil right which should be available to all Americans. Support H.R. 1330. Support S. 1238. Oppose H.R. 1911.Oppose S. 1003. Support S. 953. Support increased federal involvement in the operation of public schools throughout the U.S., including a heightened premium on the enforcement of existing civil rights laws and a greater federal investment of resources in public education. Support the Department of Education's proposal to expand the Mandatory Civil Rights Data Collection (CRDC) to include questions that will elicit information about bullying and harassment based on sexual orientation and religion, which will augment data already collected on race, color, national origin, sex, and disability. We also encouraged the Department to collect information on bullying and harassment based on gender identity. Oppose the Education Department's proposal to eliminate questions on the CRDC relating to whether an education unit has adopted written policies prohibiting harassment and bullying on the basis of a civil rights law. Oppose H.R. 2637, the Academic Freedom through Regulatory Relief Act. Support S. 403 / H.R. 1199, the Safe Schools Improvement Act. Support E-Rate and the presidents ConnectED initiative, which would leverage E-Rate to connect 99 percent of students to high-speed broadband or high-speed wireless in five years. Oppose cannibalizing other low-income telecommunications subsidies under the Universal Service Fund to pay for E-Rate and ConnectEd. Oppose the Department of Educations implementation of new underwriting standards for the Parent PLUS Loan (PPL) program. Support a meeting with Secretary Duncan to discuss the future of the program. Support HR 1343 Support the reauthorization of the Carl D. Perkins Career and Technical Education Act. Support the Department of Education's proposed "Gainful Employment" rule, with special emphasis on the portions which provide financial relief for students in programs that lose eligibility; limit enrollment in poorly performing programs until they improve; close loopholes and raise standards; and protect low-cost programs where most graduates dont borrow. Support H.R. 4902 / S. 2374. Oppose the funding of the District of Columbia private school voucher program in the FY2015 Financial Services Appropriations bill. Support President Obama's Boys and Young Men of Color Initiave, amd urge the initiative to focus on the following principals: Promoting Healthy Children, Families and Communities; Ensuring Educational Opportunity; Decriminalizing Young People of Color; Creating ; Economic Opportunity; and Promoting and Protecting Civic and Community Engagement.

Client expense: $68,750 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Office of Personnel Management (OPM), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, Veterans Affairs, Dept of (VA), White House Office

Dodd-Frank Act implementation issues; Capital issues; H.R. 613, Systemic Risk Mitigation Act, all provisions; S. 798, Terminating Bailouts for Taxpayer Fairness Act of 2013, all provisions; S. 1282, 21st Century Glass-Steagall Act of 2013, all provisions; S. 114, Fairness for Struggling Students Act of 2013, Issues pertaining to Volcker Rule treatment of Collateralized Loan Obligations (CLOs) including HR 4167, the Restoring Proven Financing of American Employees Act; H.R. 4558 and S. 2381, Flood Insurance Market Parity and Modernization Act, all provisions; Issues pertaining to reauthorization of the US Export Import Bank; S. 2244, Terrorism Risk Insurance Program Reauthorization Act, all provisions; H.R. 4871, TRIA Reform of 2014, all provisions; Issues relating to Department of Education rulemaking concerning campus card products.

Client expense: $1,600,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

S. 113 by DURBIN (D-IL) Know Before You Owe Student Loan Act of 2013 S. 114 by DURBIN (D-IL) Fairness for Struggling Students Act of 2013 S. 262 by DURBIN (D-IL) Veterans Education Equity Act of 2013S. 406 by LAUTENBERG (D-NJ) Students First Act of 2013 S. 546 by HARKIN (D-IA) Smarter Borrowing Act S. 682 by COBURN (R-OK) Comprehensive Student Loan Protection Act S. 707 by REED (D-RI) Student Loan Affordability Act S. 835 by SCHUMER (D-NY) American Opportunity Tax Credit Permanence and Consolidation Act of 2013 S. 897 by WARREN (D-MA) Bank on Student Loan Fairness Act S. 915 by WYDEN (D-OR) Student Right-to-Know Before You Go Act of 2013 S. 953 by REED (D-RI) Student Loan Affordability Act S. 1003 by COBURN (R-OK) to amend the HEA re student loan interest rates S. 1062 by REED (D-RI) Educator Preparation Reform Act S. 1704 by DURBIN (D-IL) Affordable College Textbook Act S. 1873 by REED (D-RI) Protect Student Borrowers Act S. 1874 by REED (D-RI) Partnerships for Affordability and Student Success Act H.R. 217 by HONDA (D-CA) Educator Preparation Reform Act H.R. 340 by GRIJALVA (D-AZ) Protecting Financial Aid for Students and Taxpayers H.R. 1313 by BASS (D-CA) Student Loan Fairness Act H.R. 1595 by COURTNEY (D-CT) Student Loan Relief Act H.R. 1716 by PETRI (R-WI) Earnings Contingent Education Loans Act H.R. 1911 by KLINE (R-MN) Smarter Solutions for Students Act H.R. 1928 by DELAURO (D-CT) Proprietary Institution of Higher Education Accountability Act H.R. 1937 by HUNTER (R-CA) Student Right-to-Know Before You Go Act of 2013 H.R. 1949 by MESSER (R-IN) Improving Postsecondary Data for Students Act H.R. 2020 by CARTWRIGHT (D-PA) Truth in Tuition Act H.R. 2637 by FOXX (R-NC) Supporting Academic Freedom through Regulatory Relief Act H.R. 3371 by HINOJOSA (D-TX) State Loan Access and Student Protection Act H.R. 3393 by BLACK (R-IN) Student and Family Tax Simplification Act H.R. 3412 by GOWDY (R-SC) Flexibility to Innovate for College Affordability Act H.R. 3437 by SCHWARTZ (D-PA) College Affordability Act of 2013 H.R. 3496 by COHEN (D-TN) Protecting Our Students and Taxpayers (POST) H.R. 3505 by PETRI (R-WI) Technology, Equality and Accessibility in College and Higher Education Act (TEACH) H.R. 3694 by CUMMINGS (D-MD) Net Price Calculator Improvement Act H.R. 4982 by BUCSHON (R-IN) Simplifying the Application for Student Aid Act H.R. 4983 by FOXX (R-NC) Strengthening Transparency in Higher Education Act H.R. 4984 by GUTHRIE (R-KY) Empowering Students Through Enhanced Financial Counseling Act NOT ON LIST OF DEPTS./AGENCIES: Consumer Financial Protection Bureau

Client expense: $73,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Education, Dept of, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), SENATE, Securities & Exchange Commission (SEC), Veterans Affairs, Dept of (VA), White House Office

(1) Support efforts to make consumer bankruptcy laws fairer, including elimination of medical debts on credit reports (S 160) and similar House proposals) and support efforts to remove private student loans from permanent credit reporting (eliminate inability to discharge them in bankruptcy) (HR 532, S 114). (2) Oppose H.R. 982, the "Furthering Asbestos Claim Transparency Act" or FACT Act.

Client expense: $19,835 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Product Safety Commission (CPSC), Corporation for Public Broadcasting, Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR)

S.1003/S.953/H.R.1911, Comprehensive Student Loan Protection Act/Student Loan Affordability Act/Smarter Solutions for Students Act, in opposition to the doubling of Stafford loan interest rates; S.1088/H.R.1652, Student Nondiscrimination Act, in support of prohibiting discrimination based on gender identity or sexual orientation in public schools; S.1094/H.R.5, Strengthening America's Schools Act/Student Success Act, in support of reauthorizing ESEA, improving accountability, including policies toreduce bullying and harassment, ensuring civil rights protections for students at charter schools, better data reporting and transparency in athletics programs, in opposition to federally funded vouchers; S.113, Know Before You Owe Private Student Loan Act, in support of ensuring students exhaust federal financial aid before taking on private student loans; S.114/H.R.532, Fairness for Struggling Students Act/Private Student Loan Bankruptcy Fairness Act, in support of allowing private students loans to be dischargeable in bankruptcy; S.1238, Keep Student Loans Affordable Act, in support of reversing the doubling of Stafford Loan interest rates, in opposition to moving student loans to a market-based interest rate; S.146, School Safety and Campus Enhancements Act, in support of providing grants to schools to help ensure student safety, including bullying and harassment prevention; S.216/H.R.482, Tyler Clementi Higher Education Anti-Harassment Act, in support of preventing and responding to bullying and harassment at institutions of higher education; S.217/H.R.455, High School Data Transparency Act, in support of the collection and dissemination of participation and expense data regarding high school athletics; S.403, Safe Schools Improvement Act, in support encouraging states, districts, and schools to develop policies and programs to prevent and appropriately respond to instances of bullying and harassment; S.519/H.R.1041, PRE-K Act, in support of improving pre-kindergarten quality; S.546, Smarter Borrowing Act, in support of additional counseling for students taking on education debt; S.840/H.R.1736, School Principal Recruitment and Training Act, in support of recruiting, supporting, and preparing high-quality principals to improve student academic achievement in high-need schools; S.870/H.R.1845, Pregnant and Parenting Students Access to Education Act, in support of establishing and fund policies and practices that are supportive of pregnant and parenting youth; in support of strong gainful employment regulations; in support of mandatory certification in private student lending; in support of changes to the FAFSA to better represent LGBT individuals and families; H.R.367, REINS Act, in opposition to limiting the administration's regulatory authority; S.1909/S.1968, CHOICE Act/ Scholarship For Kids Act, in opposition to diverting public funds to private or religious elementary and secondary schools; S. 2432, Bank on Students Emergency Loan Refinancing Act, in support of amendments to the Higher Education Act of 1965 to provide for the refinancing of certain Federal student loans, and for other purposes; in support of greater compliance enforcement and transparency around campus sexual assault; All Students Count Act of 2014, in support of requiring annual State report cards reflect the same major race and ethnic groups as the decennial census of the population.

Client expense: $50,000 · Firm income: Not reported

Government targets: Bureau of Citizenship & Immigration Services (BCIS), Education, Dept of, Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of the Vice President of the United States, SENATE, White House Office

S. 114, Fairness for Struggling Students Act of 2013, relating to the discharge of student loans in bankruptcy

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

Government targets: SENATE

Bankruptcy as it relates to consumer loans, including HR101, HR532, HR646 and S114

Client expense: $530,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Please see addendum.Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs proposed rule on credit union service organizations Issues related to NCUAs rule on net worth and bargain purchase agreements Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs proposed rule regarding loan participations Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to derivatives and NCUAs proposed rule related to credit union use of derivatives Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues related to NCUAs Minority Depository Institution program Issues relating to home-based credit unions Issues related to NCUAs Appraisal Management Company proposal Issues related to NCUAs risk-based capital proposal Issues related to NCUAs proposed rule on securitization Issues related to NCUAs regulatory review process Issues related to Ginnie Mae capital Issues related to the nomination of J. Mark McWatters to be a member of the National Credit Union Administration Board Issues related to a discussion draft of legislation entitled, The Bureau Guidance Transparency Act Issues related to a discussion draft of legislation entitled, Preventing Regulatory Abuse Act of 2014 Issues related to a discussion draft of legislation entitled, Bureau Examination Fairness Act Issues related to credit union service to marijuana businesses Issues related to financial literacy Issues related to the Department of Justices investigation entitled, Operation Choke Point H.R. 450, Bureau of Consumer Financial Protection Accountability Act, all provisionsH.R. 688, Credit Union Small Business Jobs Creation Act of 2013, all provisions H.R. 719, Capital Access for Small Businesses and Jobs Act of 2013, all provisions H.R. 736, Responsible Homeowner Refinancing Act of 2013, all provisions H.R. 749, Eliminate Privacy Notice Confusion Act of 2013, all provisions H.R. 801, Holding Company Registration Threshold Equalization Act of 2013, all provisions H.R. 839, Prompt Notification of Short Sale Act, all provisions H.R. 861, Elder Abuse Victims Act of 2013, all provisions H.R. 927, Common Sense Economic Recovery Act of 2013, all provisions H.R. 1077, Consumer Mortgage Choice Act H.R. 1255, Home Construction Lending Regulatory Improvement Act of 2013, all provisions H.R. 1261, Overdraft Protection Act of 2013, all provisions H.R. 1538, a bill to provide incentives to encourage financial institutions and small businesses to provide continuing financial education to customers, borrowers and employees, all provisions H.R. 1553, Financial Institution Examination Fairness and Reform Act, all provisions H.R. 1566, a bill to create a Federal Charter for Internet consumer credit corporations, all provisions H.R. 1603, a bill to support and promote community financial institutions in the mutual form, all provisions H.R. 1646, a bill to amend the Federal Credit Union Act to provide an exception from the member business loan cap for loans made to aid in the recovery from a disaster, all provisions H.R. 1694, a bill to allow the Secretary of Treasury to rely on State examinations for certain financial institutions, all provisions H.R. 1750, the CLEAR Relief Act, all provisions H.R. 1754, Preserving American Homeownership Act of 2013, all provisions H.R. 1779, Preserving Access to Manufactured Housing Act of 2013, all provisions H.R. 1862, Capital Access for Small Community Financial Institutions, all provisions H.R. 2136, Small Business Credit Availability Act, all provisions H.R. 2295, Basel III CASE Act, all provisions H.R. 2379, Qualified Mortgage Loan Originator Transitional Authority Act, all provisions H.R. 2419, a bill to amend the Truth in Lending Act to provide coverage under such Act for credit cards issued to small businesses, all provisions H.R. 2512, a bill to amend the Truth in Lending Act to establish clear regulatory standards for mortgage servicers, all provisions H.R. 2547, a bill to determine appropriate risk based capital requirements for community, mid-size, and regional institutions, all provisions H.R. 2561, a bill to provide for the removal of default information form a borrowers credit report with respect to certain rehabilitated education loans, all provisions H.R. 2571, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act to require the Bureau of Consumer Financial Protection to notify and obtain permission from consumers before collecting nonpublic personal information about such consumers, all provisions H.R. 2572, a bill to improve the regulation of credit unions and depository institutions and to provide regulatory relief, all provisions H.R. 2580, a bill to allow homeowners of moderate-value homes who are subject to mortgage foreclosure proceedings to remain in their homes as renters, all provisions H.R. 2652, Marijuana Businesses Access to Banking Act of 2013 H.R. 2672, CFPB Rural Designation Petition and Correction Act H.R. 2673, the Portfolio Lending Mortgage Access Act, all provisions H.R. 2733, Defending American Taxpayers From Abusive Government Takings Act of 2013 H.R. 2767, Protecting American Taxpayers and Homeowners Act of 2013 H.R. 2816, To extend the pilot program under section 258 of the National Housing Act that establishes an automated process for providing alternative credit rating information for mortgagors and prospective mortgagors under certain mortgages. H.R. 2917, Financial Security Credit Act of 2013 H.R. 2961, To amend the Truth in Lending Act and the Higher Education Act of 1965 to require additional disclosures and protections for students and cosigners with respect to student loans, and for other purposes. H.R. 3036, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision, and for other purposes. H.R. 3137, Freedom and Mobility in Consumer Banking Act, all provisionsH.R. 3310, Annuity Safety and Security under Reasonable Enforcement Act, all provisions H.R. 3312, Homeowners Flood Insurance Relief Act, all provisions H.R. 3317, Holding Individual Accountable and Deterring Money Laundering Act, all provisions H.R. 3329, a bill to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, all provisions. H.R. 3370, Homeowner Flood Insurance Affordability Act, all provisions H.R. 3374, the American Savings Promotion Act, all provisions H.R. 3468, the Credit Union Share Insurance Parity Act, all provisions H.R. 3584, a bill to amend the Federal Home Loan Bank Act to authorize privately insured credit unions to become members of a Federal home loan bank, all provisions H.R. 4226, Credit Union Residential Loan Parity Act, all provisions H.R. 4466, the Financial Regulatory Clarity Act of 2014 H.R. 4521, the Community Institution Mortgage Relief Act, all provisions Kildee Amendment to H.R. 1960, National Defense Authorization Act, related to disclosures required under the Military Lending Act S. 113, Know Before You Owe Private Student Loan Act, all provisions S. 114, Fairness for Struggling Student Act, all provisions S. 172, Stopping Abuse and Fraud in Electronic (SAFE) Lending Act of 2013, all provisions S. 187, Deceptive Loan Check Elimination Act, all provisions S. 205, Responsible Consumer Financial Protection Regulations Act of 2013, all provisions S. 249, Responsible Homeowner Refinancing Act of 2013, all provisions S. 361, Prompt Notification of Short Sale Act of 2013, all provisions S. 450, Financial Regulatory Responsibility Act of 2013, all provisions S. 451, a bill to make technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, all provisions S. 563, Jumpstart GSE Reform Act, all provisions S. 635, Privacy Notice Modernization Act of 2013, all provisions S. 673, Protecting Consumers from Unreasonable Credit Rates Act, all provisions S. 676, Identity Theft and Tax Fraud Prevention Act of 2013, all provisions S. 727, Financial Institutions Examination Fairness and Reform Act, all provisions S. 731, Basel III CASE Act, all provisions S. 733, Basel III Impact Study Act, all provisions S. 798, Terminating Bailouts for Taxpayer Fairness Act, all provisions S. 872, Holding Company Registration Threshold Equalization Act, all provisions S. 947, SAFE Act Confidentiality and Privilege Enhancement Act, all provisions S. 968, Small Business Lending Enhancement Act, all provisions S. 985, a bill to repeal certain provisions of the Gramm-Leach-Bliley Act and revive the separation between commercial banking and the securities business, in the manner provided in the Banking Act of 1933, the so-called Glass-Steagall Act, all provisions S. 996, a bill to improve the National Flood Insurance Program, all provisions S. 1002, Home Building Lending Improvement Act, all provisions S. 1048, the Mortgage Finance Act, all provisions S. 1098, a bill to reform the Biggert-Waters Flood Insurance Reform Act of 2012 to responsibly protect homeownership, all provisions S. 1176, a bill to impose a fine with respect to international remittance transfers if the sender is unable to verify legal status in the United States, all provisions S. 1217, Housing Finance Reform and Taxpayer Protection Act, all provisions S. 1229, a bill to amend the Truth in Lending Act to empower the States to set the maximum annual percentage rates applicable to consumer credit transactions, all provisions S. 1282, 21st Century Glass-Steagall Act of 2013 S. 1349, a bill to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes.S. 1534, Freedom and Mobility in Consumer Banking Act, all provisions S. 1538, FIX Credit Reporting Errors Act, all provisions S. 1577, Mortgage Choice Act, all provisions S. 1597, the American Savings Promotion Act, all provisions S. 1610, Homeowner Flood Insurance Affordability Act, all provisions S. 1806, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions, all provisions S. 1867, Prepaid Card Consumer Protection Act of 2013, all provisions S. 1916, the HELP Rural Communities Act, all provisions S. Res. 105, a resolution designating April 2013 as Financial Literacy Month Johnson / Crapo amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions Moran / Manchin amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions Toomey / Coburn amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions

Client expense: $1,340,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of Government Ethics (OGE), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

S. 114, Fairness for Struggling Students Act, all provisions

Client expense: $1,340,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of Government Ethics (OGE), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Monitored and actively lobbied on bankruptcy issues as relating to discharge ability of student loans including S. 114, Fairness for Strugglin Students Act of 2013.

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Monitored and actively lobbied on bankruptcy issues as relating to discharge ability of student loans including S.114, Fairness for Struggling Students Act of 2013.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Bankruptcy as it relates to consumer loans, including HR101, HR532, HR646, and S114

Client expense: $850,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Support efforts to make consumer bankruptcy laws fairer, including elimination of medical debts on credit reports (S 160) and similar House proposals) and support efforts to remove private student loans from permanent credit reporting (eliminate inability to discharge them in bankruptcy) (HR 532, S 114). Oppose H.R. 982, the "Furthering Asbestos Claim Transparency Act" or FACT Act.

Client expense: $23,261 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 613, Systemic Risk Mitigation Act, all provisions; S 798, Terminating Bailouts for Taxpayer Fairness Act of 2013, all provisions; S. 1282, 21st Century Glass-Steagall Act of 2013;S. 114, Fairness for Struggling Students Act of 2013, issues relating to private student lending, issues pertaining to debit/credit interchange; issues related to EMV credit card technology; issues pertaining to Volker Rule treatment of Collateralized Loan Obligations (CLOs) including HR 4167, the Restoring Proven Financing of American Employees Act; S. 1720, Patent Transparency and Improvements Act of 2013, all provisions; Dodd-Frank Act implementation issues; capital issues; issues pertaining to reauthorization of the federal terrorism risk insurance program.

Client expense: $1,570,000 · Firm income: Not reported

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

Support for the Office of Mortgage Settlement Oversight to add fair lending metrics to his review of the loans made by the financial institutions. Support H.R. 645 Support the CFPB's proposed Loan Officer ruleSupport S. 114 Support H.R. 532 Make specific proposals for maximizing the impact of the Independent Foreclossre REview (IFR) to the Office of the Comptroller of the Currency (OCC) and the Federal Reserve. Encourage regulators (including the Federal Reserve, the CFPB, the FDIC and the OCC) nto stop federally chartered banks from using their federal charters from circumventing state and local anti-predatory lending laws surrounding short term or "payday" loans. Support the CFPB fully counting creditor payments to brokers in the determination of points and fees. Support Rich Cordray as Director of CFPB. Support HR 1330 Support S. 673 Oppose H. R. 1077 / S. 949 Urge the CFPB to take specific steps to ensure that student loan modifications are combined with other policies to provide relief to borrowers and prevent defaults in the future. Request a meeting between the NAACP and the US Department of Treasury and various industries who serve primarily racial and ethnic minority, and African American, neighborhoods. Support the Medical Debt Responsibility Act of 2013, S. 160 / H.R. 1767. Oppose H.R. 1566. Support the FDIC and OCC proposed guidance on bank Deposit Advance Products, particularly the underwriting requirements and limits on repeat loans. Support requiring that private education lenders obtain school certification prior to disbursing private education loans. Oppose S. 1217. Support the recent activities of the CFPB aimed at ending discriminatory lending practices in the auto finance market that harm minority car buyers. Support Mel Watt's nomination as Director of the Federal Housing Finance Agency (FHFA). Support H.R. 1330. Support S. 1238. Oppose H.R. 1911. Oppose S. 1003. Support S. 953Urge regulators to take strong actions to protect consumers and the integrity of the payment system by stopping depository institutions and payment processors from facilitating electronic payments for illegal transactions, including illegal payday loans. Oppose H.R. 3211. Urge the Federal Housing Finncing Agency (FHFA) not to pull Fannie Mae and Freddie Mae back from the multifamily housing sector. Supported the CFPB efforts to create a user-friendly site to access HMDA data, and offered suggestions to improve its usefulness to users. Oppose statutorily imposed down payment mandates on future mortgages through the housing finance system. Support appropriate oversight and guidence by the CFPB on overdraft charges on debit cards. Appreciate the inclusion of certain elements of GSE reform as contained in S. 1217, but expressed concern about the fact that a number of elements seemed to be lacking which are important to the unique attributes of many racial and ehtnic minority homebuyers. Support the Depsrtment of Defense strengthening the Military Lending Act by expanding the definition of "consumer credit" to include all credit covered by the federal Truth in Lending Act and overdraft protection programs. In addition, protections should be applied to rent-to-own transactions. Support the proposed "Qualified Mortgage" rule as written by the Consumer Financial Protection Bureau. Support the Consumer Financial Protection Bureau on its recent guidance on indirect auto lending. Strongly support adopting the same standards for Qualified Residential Mortgages as they have for Qualified Mortgage loans. Oppose HR 2385; oppose HR 2446; oppose the Bureau of Consumer Financial Protection Accountability and Transparency Act of 2013; oppose H.R. 3193; oppose H.R. 3183; oppose H.R. 2571. Support the Ability to Repay standard and its implementation. Oppose H.R. 3519, the Bureau of Consumer Financial Protection Accountability and Transparency Act. Oppose H.R. 2446, the mis-named Responsible Consumer Financial Protection Regulations Act. Oppose H.R. 1077 / S. 1577 / H.R.2767 / H.R.3211 / S.949. Support any future housing finance system affirmatively establishing pathways to sustainable and affordable homeownership for a wide range of qualified buyers as well as assure an adequate supply of safe and affordable rental homes. Support Affordable Housing Goals and a duty to serve. Support Janet Yellen to serve as Chairwoman of the Board of Governors of the Federal Reserve System. Oppose HR 3193, HR 2385, HR 2446, H.R. 3519, and H.R. 2571Support reform of the debt collection industry to improve remedies; require documentation about the debt; Require Retention of and Access to Information about Debt Collection Efforts and the Consumer; Adopt Clear Responsibility for Ensuring Collectors Have Complete Information; Require Documentation to Initiate Suit; Prohibit Abusive, Deceptive, Unfair and Harassing Debt Collection Activities by Creditors as well as Collectors; Limit the Number of Telephone Contacts Per Week; Require Collectors to Honor Oral Requests to Cease Communication; Mandate a Simpler Notice of the Right to Verification and to Cease Communication; Mandate Itemization and Meaningful Investigations of Disputes; Stop Collection of Time-Barred Debt; Prevent Abuses of Credit Reports; Protect the Privacy of Servicemembers and Other Consumers; Protect Consumers in Medical Debt Collections; Protect Consumers in Student Loan Debt Collections; and Ban enforcement of forced arbitration clauses when consumers assert claims of illegal debt collection. Support the proposed diversity standards included in the Agencies' Proposed Interagency Policy Statement Establishing Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the Agencies and Request for Comment.

Client expense: $68,750 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Office of Personnel Management (OPM), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, Veterans Affairs, Dept of (VA), White House Office

Support S. 114, Support H.R. 532, Support S. 113, Support HR 1330 Oppose private school voucher or tuition tax credit program., oppose Alexander amendment to S Con Res 8 Support the Pregnant and Parenting Students Access to Education Act, S. 870 / H.R. 1845Support the Department of Education initiating new rulemaking to effectively enforce the statutory gainful employment requirement for career education programs, so that the rules can be finalized by November 1 and go into effect by July 2014. Urge the CFPB to take specific steps to ensure that student loan modifications are combined with other policies to provide relief to borrowers and prevent defaults in the future. Support the Student Non-Discrimination Act. Support HR 378. Oppose S. 624. Support requiring that private education lenders obtain school certification prior to disbursing private education loans. Support S.1094, the Strengthening Americas Schools Act of 2013 (SASA). Oppose S. 1101, the Every Child Ready for College or Career Act of 2013. Support $7.9 billion in FY 2014 from the Department of Health and Human Services for Head Start activities. Oppose any amendments to H.R. 5, The Student Success Act, that would allow the expenditure of scarce federal funds on private school vouchers. Support Connect-Ed and e-Rate programs, but not at the expense of Lifeline. Support the critical work of the Civil Rights Division at the Department of Justice (DOJ) and the Office of Civil Rights (OCR) at the Department of Education (ED) to enforce civil rights laws, including Title IXs protections against sex discrimination in educational programs receiving federal funds. Oppose any funding increases for school resource officer programs in the Commerce, Justice, and Science, and Related Agencies (CJS) Appropriations bill for fiscal year 2014. Oppose H.R. 5. Support the appointment of Linda Earley Chastang as the Executive Director of the White House Initiative on Historically Black Colleges and Universities (HBCUs). Support: targeting significant new federal funding to schools with high concentrations of poverty to implement meaningful educational opportunities for, and support high academic achievement by, all their students; providing significant additional financial incentives to states that in fact enhance their own funding of schools with high concentrations of poor, low-income, minority, and low-performing students; developing mechanisms that allow the federal government to monitor the ongoing performance of its new equity and excellence investments to ensure those investments are in fact enhancing student achievement; and making it clear that high quality education is a civil right which should be available to all Americans. Support H.R. 1330. Support S. 1238. Oppose H.R. 1911.Oppose S. 1003. Support S. 953. Support increased federal involvement in the operation of public schools throughout the U.S., including a heightened premium on the enforcement of existing civil rights laws and a greater federal investment of resources in public education. Support the Department of Education's proposal to expand the Mandatory Civil Rights Data Collection (CRDC) to include questions that will elicit information about bullying and harassment based on sexual orientation and religion, which will augment data already collected on race, color, national origin, sex, and disability. We also encouraged the Department to collect information on bullying and harassment based on gender identity. Oppose the Education Department's proposal to eliminate questions on the CRDC relating to whether an education unit has adopted written policies prohibiting harassment and bullying on the basis of a civil rights law. Oppose H.R. 2637, the Academic Freedom through Regulatory Relief Act. Support S. 403 / H.R. 1199, the Safe Schools Improvement Act. Support E-Rate and the presidents ConnectED initiative, which would leverage E-Rate to connect 99 percent of students to high-speed broadband or high-speed wireless in five years. Oppose cannibalizing other low-income telecommunications subsidies under the Universal Service Fund to pay for E-Rate and ConnectEd. Oppose the Department of Educations implementation of new underwriting standards for the Parent PLUS Loan (PPL) program. Support a meeting with Secretary Duncan to discuss the future of the program. Support HR 1343

Client expense: $68,750 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Office of Personnel Management (OPM), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, Veterans Affairs, Dept of (VA), White House Office

Support S. 114 Support H.R. 532 Support S. 113

Client expense: $68,750 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Office of Personnel Management (OPM), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, Veterans Affairs, Dept of (VA), White House Office