Keep Student Loans Affordable Act of 2013

HR 1527 Student Loan Interest Deduction Act of 2013 HR 1911 Bipartisan Student Loan Certainty Act of 2013 S 1238 Keep Student Loans Affordable Act of 2013

Client expense: Not reported · Firm income: $15,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

H.R. 1527 Student Loan Interest Deduction Act of 2013 H.R. 1911 Bipartisan Student Loan Certainty Act of 2013 H.R. 3391 Indian Health Service Health Professions Tax Fairness Act of 2013 S. 1238 Keep Student Loans Affordable Act of 2013S. 1066 Federal Student Loan Refinancing Act

Client expense: $590,000 · Firm income: Not reported

Government targets: Agency for Healthcare Research & Quality (AHRQ), Agriculture, Dept of (USDA), Air Force, Dept of, Army, Dept of (Other), Centers For Disease Control & Prevention (CDC), Centers For Medicare and Medicaid Services (CMS), Defense, Dept of (DOD), Drug Enforcement Administration (DEA), Environmental Protection Agency (EPA), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Health Resources & Services Administration (HRSA), Indian Health Service, Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Institutes of Health (NIH), Navy, Dept of, Occupational Safety & Health Administration (OSHA), Office of Natl Drug Control Policy (NDCP), SENATE, U.S. Coast Guard (USCG), Veterans Affairs, Dept of (VA), White House Office

H.R. 1527 - Student Loan Interest Deduction Act of 2013 H.R. 1911 - Bipartisan Student Loan Certainty Act of 2013 H.R. 3391 - Indian Health Service Health Professions Tax Fairness Act of 2013 S. 1238 - Keep Student Loans Affordable Act of 2013

Client expense: Not reported · Firm income: $15,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1527 Student Loan Interest Deduction Act of 2013 H.R. 1911 Bipartisan Student Loan Certainty Act of 2013 H.R. 3391 Indian Health Service Health Professions Tax Fairness Act of 2013 S. 1238 Keep Student Loans Affordable Act of 2013S. 1066 Federal Student Loan Refinancing Act

Client expense: $590,000 · Firm income: Not reported

Government targets: Agency for Healthcare Research & Quality (AHRQ), Agriculture, Dept of (USDA), Air Force, Dept of, Army, Dept of (Other), Centers For Disease Control & Prevention (CDC), Centers For Medicare and Medicaid Services (CMS), Defense, Dept of (DOD), Drug Enforcement Administration (DEA), Environmental Protection Agency (EPA), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Health Resources & Services Administration (HRSA), Indian Health Service, Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Institutes of Health (NIH), Navy, Dept of, Occupational Safety & Health Administration (OSHA), Office of Natl Drug Control Policy (NDCP), SENATE, U.S. Coast Guard (USCG), 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.

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 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 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

H.R. 1527 Student Loan Interest Deduction Act of 2013 H.R. 1911 Bipartisan Student Loan Certainty Act of 2013 H.R. 3391 Indian Health Service Health Professions Tax Fairness Act of 2013 S. 1238 Keep Student Loans Affordable Act of 2013S. 1066 Federal Student Loan Refinancing Act

Client expense: $780,000 · Firm income: Not reported

Government targets: Agency for Healthcare Research & Quality (AHRQ), Agriculture, Dept of (USDA), Air Force, Dept of, Army, Dept of (Other), Centers For Disease Control & Prevention (CDC), Centers For Medicare and Medicaid Services (CMS), Defense, Dept of (DOD), Drug Enforcement Administration (DEA), Environmental Protection Agency (EPA), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Health Resources & Services Administration (HRSA), Indian Health Service, Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Institutes of Health (NIH), Navy, Dept of, Occupational Safety & Health Administration (OSHA), Office of Natl Drug Control Policy (NDCP), SENATE, U.S. Coast Guard (USCG), 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

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

H.R. 1527 - Student Loan Interest Deduction Act of 2013 H.R. 1911 - Bipartisan Student Loan Certainty Act of 2013 H.R. 3391 - Indian Health Service Health Professions Tax Fairness Act of 2013 S. 1238 - Keep Student Loans Affordable Act of 2013

Client expense: Not reported · Firm income: $15,000

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. 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

H.R.5, Student Success Act, in opposition to allowing states and school districts to move funds meant for disadvantaged students into other programs and eliminating maintenance-of-effort requirements, in opposition to federally funded school vouchers, in support of substitute amendment; 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 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; in support of greater compliance enforcement and transparency around campus sexual assault.

Client expense: $55,000 · Firm income: Not reported

Government targets: Education, Dept of, Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, White House Office

H.R. 1527 Student Loan Interest Deduction Act of 2013 H.R. 1911 Bipartisan Student Loan Certainty Act of 2013 H.R. 3391 Indian Health Service Health Professions Tax Fairness Act of 2013 S. 1238 Keep Student Loans Affordable Act of 2013S. 1066 Federal Student Loan Refinancing Act

Client expense: $610,000 · Firm income: Not reported

Government targets: Agency for Healthcare Research & Quality (AHRQ), Agriculture, Dept of (USDA), Air Force, Dept of, Army, Dept of (Other), Centers For Disease Control & Prevention (CDC), Centers For Medicare and Medicaid Services (CMS), Defense, Dept of (DOD), Drug Enforcement Administration (DEA), Environmental Protection Agency (EPA), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Health Resources & Services Administration (HRSA), Indian Health Service, Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Institutes of Health (NIH), Navy, Dept of, Occupational Safety & Health Administration (OSHA), Office of Natl Drug Control Policy (NDCP), SENATE, U.S. Coast Guard (USCG), Veterans Affairs, Dept of (VA), White House Office

H.R. 1527 - Student Loan Interest Deduction Act of 2013 H.R. 1911 - Bipartisan Student Loan Certainty Act of 2013 S. 1238 - Keep Student Loans Affordable Act of 2013 S. 1066 - Federal Student Loan Refinancing Act

Client expense: Not reported · Firm income: $15,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Student Financial Aid-S.1334, S.1238, S.1003. S.953 Immigration/DREAM Act-S.744 Veterans Education-HR 1949,S.944 No Child Left Behind-HR 5, S.1094

Client expense: $16,396 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Reauthorization of the Elementary and Secondary Education Act (ESEA), Issues pertaining to teacher training and education grant programs. Higher Education Act Reauthorization, Issues pertaining to accreditation, student aid programs, grant programs, reporting requirements, and the Administrations college affordability and accountability proposals.H.R.1946, S.909, Responsible Student Loan Solutions Act, Issues pertaining to the July 1 scheduled interest rate increase for undergraduate federal student loans from 3.4 percent to 6.8 percent. H.R. 1595, Student Loan Relief Act of 2013, Issues pertaining to the student loan interest rate and freezing the rate at 3.4 percent for 2 years. S.707, Student Loan Affordability Act of 2013, Issues pertaining to the student loan interest rate and freezing the rate at 3.4 percent for 2 years. PL 113-28, S.1334, Bipartisan Student Loan Certainty Act of 2013, Issues pertaining to the July 1 scheduled interest rate increase for undergraduate federal student loans from 3.4 percent to 6.8 percent. HR 2574, S. 1238, Keep Student Loans Affordable Act of 2013, Issues pertaining to the student loan interest rate and maintaining 3.4 percent for one year. H.R.1937, S. 915, Student Right to Know Before You Go Act of 2013, Issues pertaining to institutional reporting and transparency. H.R. 1949, Improving Postsecondary Education Data for Students (IPEDS) Act, Issues pertaining to transparency and changes to IPEDS. Issues pertaining to support for student veterans with disabilities.

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

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Veterans Affairs, Dept of (VA)

Authorization and implementation of the Elementary and Secondary Education Act of 1965, as amended, including S. 1094 (Strengthening America's Schools Act of 2013) and H.R. 5 (Student Success Act); Authorization and implementation of the Higher Education Act of 1965, as amended, including S. 1238 (Keep Student Loans Affordable Act of 2013)

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

Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, SENATE, White House Office

H.R. 1911 Bipartisan Student Loan Certainty Act of 2013 H.R. 3391 Indian Health Service Health Professions Tax Fairness Act of 2013 S. 1238 Keep Student Loans Affordable Act of 2013 Higher Education Act reauthorization

Client expense: $700,000 · Firm income: Not reported

Government targets: Agency for Healthcare Research & Quality (AHRQ), Agriculture, Dept of (USDA), Air Force, Dept of, Army, Dept of (Other), Centers For Disease Control & Prevention (CDC), Centers For Medicare and Medicaid Services (CMS), Defense, Dept of (DOD), Drug Enforcement Administration (DEA), Environmental Protection Agency (EPA), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Health Resources & Services Administration (HRSA), Indian Health Service, Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Institutes of Health (NIH), Navy, Dept of, Occupational Safety & Health Administration (OSHA), Office of Natl Drug Control Policy (NDCP), SENATE, U.S. Coast Guard (USCG), 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.

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), 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.

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), 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

H.R.5, Student Success Act, in opposition to allowing states and school districts to move funds meant for disadvantaged students into other programs and eliminating maintenance-of-effort requirements, in opposition to federally funded school vouchers, in support of substitute amendment; S.1003/S.953/H.R.1911, Comprehensive Student Loan Protection Act/Student Loan AffordabilityAct/ 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 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.

Client expense: $44,000 · Firm income: Not reported

Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, White House Office

Student aid Pell Grants, Supplemental Educational Opportunity Grants, Federal Work-Study, LEAP, TRIO and GEAR UP. Graduate education programs Graduate Assistance in Areas of National Need program Title VI International education programs Fulbright-Hays program Subsidized student loan interest rate extensionNational Endowment for the Humanities Higher Education Act Reauthorization H.R. 1911, Smarter Solutions for Students Act S. 953, Student Loan Affordability Act S. 1238, Keep Student Loans Affordable Act S. 1241, The Bipartisan Student Loan Certainty Act H.R. 2637, Supporting Academic Freedom through Regulatory Relief Act Public Law 113-28, S. 1334, Bipartisan Student Loan Certainty Act of 2013

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Reauthorization of the Higher Education Act H.R. 1911 - To amend the HEA Act to establish interest rates for new loans on or after July 1, 2013, establish Advisory Committee on Improving Postsecondary Education Data, and for other purposes S. 1238 - Extension of current Subsidized Stafford Loan rates for one yearS. 1334 - To establish new federal Student Loan interest rates tied to a market based interest rate. S. 2981 - To limit federal overreach in postsecondary academic affairs, eliminating three regulations affecting colleges and universities. The three regulations repealed under H.R. 2637 include state authorization requirements, the federal definition of a credit hour, and gainful employment requirements. H.R. 3047 The borrower of a loan under the William D. Ford Federal Direct Program may modify the interest rate of the loan to be equal to the interest rate that would be applicable to such loan if loan were first disbursed (or first applied for) on the date which the borrower elects to modify the interest rate of such loan. Interest rate elected under this clause will be fixed for the life of the loan. Improving college outcomes using modern approaches to financing higher education Senate HELP Committees addressing, via hearing, of innovations used to improve student success. Issues addressed included redirecting money that already exists rather than providing new money, using technology to improve learning and reduce costs, finding ways to measure competency at the completion of a degree so employers are attracted to students, and incentives for public-private partnerships. Simplifying Federal Financial Aid (both on the House and Senate side) particular focus on a one-grant, one-loan, one-tax credit system. How the ACA affects higher education Costs and institutional compliance requirements associated with Office of Federal Contract Compliance Programs (OFCCP) Higher Education Accreditation President Obamas Higher Education Proposal oRating System/College Scorecard oTax Credit Expansions oRace to the Top for college affordability and compliance oFinancial Aid Shopping Sheet

Client expense: $51,183 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR1911, Smarter Solutions for Students Act, Opposing increased student loan rate. HR 2775, Continuing Appropriations Act for 2014, Prevent cuts to primary care training grants and research.HR 3391, Indian Health Service Health Professions Tax Fairness Act, Provide tax relief for IHS loan and scholarships to allow for appropriated dollars to be allocated to AAFP priorities. HR 487, Primary Care Workforce Access Improvement Act, Urge House to cosponsor bill that would create GME pilot project to train primary care doctors, urge Senate to sponsor bill. S. 1759, Teaching Health Center Reauthorization Act, Reauthorize the teaching Health Centers Graduate Medicare Education program. S. 1180, Medicare Data Access for Transparency and Accountability Act, Creation of database for public use of Medicare claims. S. 1238, Keep Student Loans Affordable Act, Extension of reduced interest rate for undergraduate Federal Direct Stafford Loans, since this applies to medical students. S. 1284, Appropriations for Labor HHS, Education and Related Agencies, AAFP budget priorities, Title VII Sec 747, Federal spending priorities to support workforce. No Bill Number, Corps Community Day Outreach, NHSC. No Bill Number, Independent nurse practitioners in the VA health system, Opposing designating Advanced practice nurses as independent in the VHA by means of amending the nursing handbook.

Client expense: $717,664 · Firm income: Not reported

Government targets: Agency for Healthcare Research & Quality (AHRQ), Centers For Medicare and Medicaid Services (CMS), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Health Resources & Services Administration (HRSA), SENATE, Veterans Affairs, Dept of (VA), White House Office

HR 487, Primary Care Workforce Access Improvement Act, Urge House to cosponsor bill that would create GME pilot project to train primary care doctors, urge Senate to sponsor bill. HR 1173, Personalize Your Care Act, Payment for discussion with patients of advance health care planning. HR 1184, Treat and Reduce Obesity Act, Payment for chronic obesity management.HR 1487, Improved Health Care at Lower Cost Act, Creation of exception to the physician self referral prohibition that would allow gain sharing arrangements with hospitals. HR 2545, Accuracy Medicare Physician Payment Act, Reform of CMS relationship to AMA Relative Value Scale Update Committee (RUC). HR 2775, Continuing Appropriations Act for 2014, Prevent cuts in primary care training grants and research. HR 2810, Repeal of Medicare SGR formula, Repeal of SGR to be replaced by a positive payment update and higher rate for primary care. HR 2817, Protect Patient Access to Quality Health Professionals Act, Remove the non -discrimination requirements relating to health care providers. HR 3204, Drug Supply Safety, followed the Compounding and Track and Trace legislation in both bodies. S. 1180, Medicare Data Access for Transparency and Accountability Act, Creation of database for public use of Medicare claims. S. 1238, Keep Student Loans Affordable Act, Extension of reduced interest rate for undergraduate Federal Direct Stafford Loans for medical students. S. 1284, Promoting Teaching Health Centers, AHRQ, Title VII primary care grants and NHSC appropriations, AAFP budget priorities, Title VII Sec 747, Teaching Health Center grants, NHSC, AHRQ. S. 1759, Teaching Health Center Reauthorization Act, Reauthorize the Teaching Health Centers Graduate Medicare Education program. No Bill Number, SGR Repeal and Replacement process, Advocate for SGR repeal and new physician payment system that pays for value and primary care. No Bill Number, Medicaid Primary Care Bonus, Advocate for extension of the Medicaid bonus which expires at the end of 2014. No Bill Number, Three month SGR patch, Urge Congress to pass budget deal which includes a three month SGR patch. No Bill Number, Corp Community Day Outreach, NHSC. No Bill Number, Urge sequestration be replaced, Protect funds for NHSC, CHC primary care research and training. No Bill Number, Met new director of the AHRQ, Primary care research. No Bill Number, Comprehensive Primary care, Medicare and private payments to primary care. No Bill Number, Medicare physician payment reform of the SGR, 2014 Proposed Medicare physician fee schedule. No Bill Number, Primary care payment, specialized Medicare codes for primary care. No Bill Number, Medicaid parity for primary care, Ensuring payments for true primary care physicians. No Bill Number, Primary care meeting, Medical Home and Health Care Reform. No Bill Number, E-Cigarettes, Urge FDA to regulate all tobacco products. No Bill Number, Independent nurse practitioners in the VA health system, Opposing designating Advanced practice nurses as independent in the VHA by means of amending the nursing handbook. No Bill Number, Access to Primary Care, Increase number of primary care physicians available to underserved areas such as loan repayment changes. No Bill Number, Emergency contraception availability, Support for emergency contraceptives more easily available. No Bill Number, Modernization of primary care graduate medical education, Support legislation to implement a budget neutral pilot project to test innovative models for distribution of GME funding.

Client expense: $717,664 · Firm income: Not reported

Government targets: Agency for Healthcare Research & Quality (AHRQ), Centers For Medicare and Medicaid Services (CMS), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Health Resources & Services Administration (HRSA), SENATE, Veterans Affairs, Dept of (VA), White House Office

HR 487, Primary Care Workforce Access Improvement Act, Urge House to cosponsor bill that would create GME pilot project to train primary care doctors, urge Senate to sponsor bill. HR 1173, Personalize Your Care Act, Payment for discussion with patients of advance health care planning. HR 1184, Treat and Reduce Obesity Act, Payment for chronic obesity management.HR 1487, Improved Health Care at Lower Cost Act, Creation of exception to the physician self referral prohibition that would allow gain sharing arrangements with hospitals. HR 2545, Accuracy Medicare Physician Payment Act, Reform of CMS relationship to AMA Relative Value Scale Update Committee (RUC). HR 2775, Continuing Appropriations Act for 2014, Prevent cuts in primary care training grants and research. HR 2810, Repeal of Medicare SGR formula, Repeal of SGR to be replaced by a positive payment update and higher rate for primary care. HR 2817, Protect Patient Access to Quality Health Professionals Act, Remove the non -discrimination requirements relating to health care providers. HR 3204, Drug Supply Safety, followed the Compounding and Track and Trace legislation in both bodies. HJRes59, Bipartisan Budget Act, Provide increased allocation for AAFP funding priorities in HHS. Oppose cuts or funding delays of ACA programs. S. 1238, Keep Student Loans Affordable Act, Extension of reduced interest rate for undergraduate Federal Direct Stafford Loans for medical students. S. 1284, Promoting Teaching Health Centers, AHRQ, Title VII primary care grants and NHSC appropriations, AAFP budget priorities, Title VII Sec 747, Teaching Health Center grants, NHSC, AHRQ. S. 1759, Teaching Health Center Reauthorization Act, Reauthorize the Teaching Health Centers Graduate Medicare Education program. No Bill Number, SGR Repeal and Replacement process, Advocate for SGR repeal and new physician payment system that pays for value and primary care. No Bill Number, Medicaid Primary Care Bonus, Advocate for extension of the Medicaid bonus which expires at the end of 2014. No Bill Number, Three month SGR patch, Urge Congress to pass budget deal which includes a three month SGR patch. No Bill Number, Corp Community Day Outreach, NHSC. No Bill Number, Urge sequestration be replaced, Protect funds for NHSC, CHC primary care research and training. No Bill Number, Met new director of the AHRQ, Primary care research. No Bill Number, Comprehensive Primary care, Medicare and private payments to primary care. No Bill Number, Medicare physician payment reform of the SGR, 2014 Proposed Medicare physician fee schedule. No Bill Number, Primary care payment, specialized Medicare codes for primary care. No Bill Number, Medicaid parity for primary care, Ensuring payments for true primary care physicians. No Bill Number, Primary care meeting, Medical Home and Health Care Reform. No Bill Number, E-Cigarettes, Urge FDA to regulate all tobacco products. No Bill Number, Independent nurse practitioners in the VA health system, Opposing designating Advanced practice nurses as independent in the VHA by means of amending the nursing handbook. No Bill Number, Access to Primary Care, Increase number of primary care physicians available to underserved areas such as loan repayment changes. No Bill Number, Emergency contraception availability, Support for emergency contraceptives more easily available. No Bill Number, Modernization of primary care graduate medical education, Support legislation to implement a budget neutral pilot project to test innovative models for distribution of GME funding.

Client expense: $717,664 · Firm income: Not reported

Government targets: Agency for Healthcare Research & Quality (AHRQ), Centers For Medicare and Medicaid Services (CMS), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Health Resources & Services Administration (HRSA), SENATE, Veterans Affairs, Dept of (VA), White House Office

H.R. 837 Savings for American Families' Future Act of 2013; entire bill H.R. 2035 - Automatic IRA Act of 2013; entire bill H.R. 2117 The Retirement Plan Simplification and Enhancement Act; entire billH.R. 2171 The Lifetime Income Disclosure Act; entire bill S. 606 - SEAL Act; entire bill S. 1145 Lifetime Income Disclosure Act; entire bill S. 1238 - Keep Student Loans Affordable Act of 2013; provisions relating to distributions from IRAs and DC plans S. 1270 SAFE Retirement Act of 2013; entire bill S. 1772 Public Good IRA Roll-over Act of 2013; entire bill Importance of existing tax incentives for retirement security and potential negative implications of potential tax reform proposals or use of retirement savings as an offset in any budget agreement in terms of reducing qualified plan and annuities coverage (both qualified and nonqualified) Potential SEC and DoL regulatory activity revising securities and ERISA rules governing fiduciary standards for the provisions of investment advice/financial education services, potential implications on qualified accounts (both 401(k)s and IRAs) and nonqualified long-term savings, small business coverage, and importance of coordinated and workable rules. Not yet introduced: SAVE Act, provisions related to making SIMPLE IRAs more attractive for small business and expanded tax credit for small business pension plan start-up costs

Client expense: $450,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 1173, Personalize Your Care Act, Payment for discussion with patients of advance health care planning. HR 1487, Improved Health Care at Lower Cost Act, Creation of exception to the physician self referral prohibition that would allow gain sharing arrangement with hospitals.HR 1911, Smarter Solutions for Students Act, Opposing increased student loan rate. HR 2810, Repeal of Medicare Physician Reimbursement Fee Schedule, Implementation of care coordination and transitional care payment codes. HR 2817, Protect Patient Access to Quality Health Professionals Act, Removing the non discrimination requirements relating to health care providers. HR 3667, GME Medicare Reform, Increase support for primary care physician training. S. 1180, Medicare Data Access for Transparency and Accountability Act, Creation of data base for public use of Medicare claims. S 1184, Treat and Reduce Obesity, Payment for chronic obesity management. S. 1238, Keep Student Loans Affordable Act, Extension of reduced interest rate for undergraduate Federal Direct Stafford Loans, applies to medical students. S. 1284, Promoting Teaching Health Centers, AHRQ, Title VII primary care grants and NHSC appropriations, AAFP budget priorities, Title VII Sec 747, Teaching Health Center grants, NHSC, AHRQ. No Bill Number, Primary Care physician workforce development, Robert Graham Center Primary Care Forum. No Bill Number, Title VII primary care medicine training grants, 50th anniversary of health professions training grant programs. No Bill Number, Comprehensive Primary Care, Medicare and private payments to primary care. No Bill Number, Medicare physician payment reform of SGR, 2014 proposed Medicare physician fee schedule. No Bill Number, Meaningful use of meetings, use of funds and quality improvement. No Bill Number, Medicaid parity for primary care, Ensuring payments for true primary care physicians. No Bill Number, Primary Care Meeting, medical home and health care reform. No Bill Number, Primary Care Payment Codes, Call for specialized Medicare payment codes for primary care. No Bill Number, Medicaid Expansion, Instructional materials for state chapters in avocation for Medicaid expansions. No Bill Number, Enhanced Medicaid Payment for Primary Care Services, Implementation of ACA provision to boost payment for primary care services. No Bill Number, ACA Marketplace Enrollment, Worked with CMS/HHS leader to promote AAFP work regarding health insurance enrollment via marketplaces. No Bill Number, ACA Implementation Medicaid Medicare primary care parity payment extension, advocated to extend Medicaid and Medicare increased primary care payment under Section 1202 of the ACA. No Bill Number, Finding co-sponsors for repeal or non-discrimination in health care providers section in ACA. No Bill Number, Emergency Contraception, Shared support of legislation making emergency contraceptives more easily available. No Bill Number, Drug Supply Safety, Followed the compounding and track and trace legislation in both legislative bodies. No Bill Number, Lift restrictions on prescribing, Urge increased number of patients for physicians licensed to prescribe Suboxone. No Bill Number, Oppose CME mandates, FDA REMS implementation forum. No Bill Number, Prevent opioid abuse, ONDCP overdose awareness day promotion. No Bill Number, Promote Teaching Health Centers GME program and call for reauthorization, Support Family Medicine training programs. No Bill Number, Primary Care research and promotion, Request meetings with legislators and officials for AAFP leaders. No Bill Number, E-cigarettes, Urge FDA to regulate all tobacco products. No Bill Number, Access to Primary Care, Discussed ways to increase numbers of primary care physicians available to under-served areas such as loan repayment changes. No Bill Number, Implementation of Affordable Care Act, Monitored implementation of law and provisions of importance to our members.

Client expense: $604,953 · Firm income: Not reported

Government targets: Agency for Healthcare Research & Quality (AHRQ), Centers For Medicare and Medicaid Services (CMS), Drug Enforcement Administration (DEA), Food & Drug Administration (FDA), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Health Resources & Services Administration (HRSA), SENATE, Veterans Affairs, Dept of (VA), White House Office

HR 1911, Smarter Solutions for Students Act, Opposing increased student loan rate. HR 3667, Medicare GME Reform, Increase GME support for primary care physician training. S. 1180, Medicare Data Access for Transparency and Accountability Act, Creation of data base for public use of Medicare claims.S. 1238, Keep Student Loans Affordable Act, Extension of reduced interest rate for undergraduate Federal Direct Stafford Loans, applies to medical students. S. 1284, Promoting Teaching Health Centers, AHRQ, Title VII primary care grants and NHSC appropriations, AAFP budget priorities, Title VII Sec 747, Teaching Health Center grants, NHSC, AHRQ. No Bill Number, Title VII primary care medicine training grants, 50th anniversary of health professions training grant programs. No Bill Number, Primary Care physician workforce development, Robert Graham Center Primary Care Forum. No Bill Number, Title VII, Section 747, Advisory Committee on Training in Primary Care Medicine and Dentistry. No Bill Number, Continuing Resolution (HJ Res 59), Opposing provisions to reduce or delay funding of ACA programs. No Bill Number, Promote Teaching Health Centers GME program and call for reauthorization, Support Family Medicine training programs.

Client expense: $604,953 · Firm income: Not reported

Government targets: Agency for Healthcare Research & Quality (AHRQ), Centers For Medicare and Medicaid Services (CMS), Drug Enforcement Administration (DEA), Food & Drug Administration (FDA), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Health Resources & Services Administration (HRSA), SENATE, Veterans Affairs, Dept of (VA), White House Office

Higher Education Act Reauthorization, Issues pertaining to accreditation, student aid programs, grant programs, and reporting requirements. H.R.1946, S.909, Responsible Student Loan Solutions Act, Issues pertaining to the July 1 scheduled interest rate increase for undergraduate federal student loans from 3.4 percent to 6.8 percent.H.R. 1595, Student Loan Relief Act of 2013, Issues pertaining to the student loan interest rate and freezing the rate at 3.4 percent for 2 years. S.707, Student Loan Affordability Act of 2013, Issues pertaining to the student loan interest rate and freezing the rate at 3.4 percent for 2 years. PL 113-28, S.1334, Bipartisan Student Loan Certainty Act of 2013, Issues pertaining to the July 1 scheduled interest rate increase for undergraduate federal student loans from 3.4 percent to 6.8 percent. HR 2574, S. 1238, Keep Student Loans Affordable Act of 2013, Issues pertaining to the student loan interest rate and maintaining 3.4 percent for one year. H.R. 1949, Improving Postsecondary Education Data for Students (IPEDS) Act, Issues pertaining to transparency and changes to IPEDS.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

see addendum page-Discussed student loan legislation (S.1238 and H.R.1911) -The reauthorization of the Higher Education Act -Teacher preparation - The Growing Excellent Achievement Training Academies (GREAT) Teachers and Principals Act (S.1052) -Early Childhood Education training programs

Client expense: $143,511 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Energy, Dept of, HOUSE OF REPRESENTATIVES, Office of Management & Budget (OMB), SENATE, State, Dept of (DOS)

AOTC draft bill, BUILD Career and Technical Education Act of 2013, CCDBG, Connect Ed, Democratic Leadership Meeting, STEMS Job Act, E-rate Hearing, ESEA, Fiscal Cliff, Education Funding, WIA, H.R.5, Student Success Act, H.R. 1526, H.R. 1652, H.R. 2549, H.R. 2878, H.R.2920 - Financial Literacy for Students Act, Healthy Forest Act, H.R.1911, H.R.2094, H.R.2637, H.R.2881, HR 3102, Funding cuts for SNAP, HR 527, Helium Reserve fund, Miller educator background check bill, Missing and Exploited Children Act, Perkins re-authorization, Pay It Forward Act, Early Childhood Education, Protecting Students from Concussions, Restoring Healthy Forests for Healthy Communities Act, S.1094, S.1356, S.457, Classified Employee of the Year, S.1238, S.1334, S. 1356, S. 649, student loan interest rate, teacher background checks

Client expense: $538,489 · Firm income: Not reported

Government targets: Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Office of Management & Budget (OMB), SENATE, White House Office

S. 1238 - Loan Interest Rate Provisions HR. 1911 - Loan Interest Rate Provisions

Client expense: $45,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1238, the Keep Student Loans Affordable Act FY 2014 Appropriations H.R. 2668, the Fairness for American Families Act H.R. 5, the Student Success ActS. 1334, the Bipartisan Student Loan Certainty Act H.R. 2759, the Teachers at the Table Act H.R. 3102, the Nutrition Reform & Work Opportunity Act H.J. Res. 59, FY 2014 Continuing Resolution S. 844. Supporting Community Schools Act H.R.2237, DIPLOMA Act (Not yet introduced) H.R.1199, the Safe Schools Improvement Act H.R. 2637, the Supporting Academic Freedom through Regulatory Relief Act H.R. 2759 Teachers at the Table Act HR 3102 Nutrition Reform and Work Opportunity Act (SNAP) All items pertaining to School Vouchers Sen. Bennett, Higher Education tax policy/teacher training (discussions) Rep. Schwartz, College Affordability Act (draft legislation) Rep. CARTWRIGHT, Anti-bullying legislation (draft legislation) Sen. Sanders, ESEA Assessments Pilot (draft legislation) Child care networks (HHS & Congress) Child Care and Development Fund (CCDF) regulations (HHS) Early ed workforce (ED)

Client expense: $323,503 · Firm income: Not reported

Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, White House Office

Potential legislation reforming and reauthorizing the Higher Education Act. H.R. 1911, the Smarter Solutions for Students Act - provisions to prevent the interest rate on subsidized student loans from increasing to 6.8 percent generally and caps on interest rates specifically.S. 1238, the Keep Student Loans Affordable Act - provisions to extend the current interest rate on newly issued subsidized student loans.

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

Government targets: HOUSE OF REPRESENTATIVES, Office of Science & Technology Policy (OSTP), SENATE

Reauthorization of the Elementary and Secondary Education Act (ESEA), Issues pertaining to teacher training and education grant programs. Higher Education Act Reauthorization, Issues pertaining to accreditation, student aid programs, grant programs, reporting requirements, and the Administrations college affordability and accountability proposals.H.R.1946, S.909, Responsible Student Loan Solutions Act, Issues pertaining to the July 1 scheduled interest rate increase for undergraduate federal student loans from 3.4 percent to 6.8 percent. H.R. 1595, Student Loan Relief Act of 2013, Issues pertaining to the student loan interest rate and freezing the rate at 3.4 percent for 2 years. S.707, Student Loan Affordability Act of 2013, Issues pertaining to the student loan interest rate and freezing the rate at 3.4 percent for 2 years. PL 113-28, S.1334, Bipartisan Student Loan Certainty Act of 2013, Issues pertaining to the July 1 scheduled interest rate increase for undergraduate federal student loans from 3.4 percent to 6.8 percent. HR 2574, S. 1238, Keep Student Loans Affordable Act of 2013, Issues pertaining to the student loan interest rate and maintaining 3.4 percent for one year. H.R.1937, S. 915, Student Right to Know Before You Go Act of 2013, Issues pertaining to institutional reporting and transparency. H.R. 1949, Improving Postsecondary Education Data for Students (IPEDS) Act, Issues pertaining to transparency and changes to IPEDS. Issues pertaining to support for student veterans with disabilities.

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

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Veterans Affairs, Dept of (VA)

S.1003/S.953/H.R.1911/S.1238, Keep Student Loans Affordable Act/Comprehensive Student Loan Protection Act/Student Loan Affordability Act/Smarter Solutions for Students Act, in opposition to the doubling of Stafford loan interest rates and in opposition to market-based interest rates for student loans; 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'sSchools 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, in opposition to allowing states and school districts to move funds meant for disadvantaged students into other programs and eliminating maintenance-of-effort requirements, in opposition to federally funded school 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.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; H.R.367, REINS Act, in opposition to limiting the administration's regulatory authority; 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.

Client expense: $34,000 · Firm income: Not reported

Government targets: Education, Dept of, Equal Employment Opportunity Commission (EEOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Science & Technology Policy (OSTP), SENATE, White House Office

113th H.R. 2278 - Strengthen and Fortify Enforcement (SAFE) Act 78 FR 37529 - Agency Information Collection Activities; Comment Request; Mandatory Civil Rights Data Collection Comprehensive, humane immigration reform, especially 113th S. 744 - Border Security, Economic Opportunity, and Immigration Modernization ActDevelopment, Relief, and Education for Alien Minors (DREAM) Act (112th H.R. 1842 and S. 952), Deferred Action for Childhood Arrivals (DACA) (June 15, 2012), and their inclusion in comprehensive, humane immigration reform (especially 113th S. 744 Cmte Amdt 1) Safe Schools Improvement Act (113th H.R. 1199 and S. 403) and its inclusion in the reauthorization (especially 113th S. 1094) of the Elementary and Secondary Education Act (Public Law No: 89-10) Student loan affordability, especially Public Law No: 113-28 (113th H.R. 1911 and S. 1241/1334) Bipartisan Student Loan Certainty Act; 113th H.R. 1979 and S. 897 Bank on Student Loans Fairness Act; 113th H.R. 2574 and S. 1238 Keep Student Loans Affordable Act; and 113th S. 953 Student Loan Affordability Act; also comprehensive student loan reform and its inclusion in the reauthorization of the Higher Education Act (Public Law No: 89-329) Student Non-Discrimination Act (113th H.R. 1652 and S. 1088) and its inclusion in the reauthorization (especially 113th S. 1094) of the Elementary and Secondary Education Act (Public Law No: 89-10)

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

Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, Office of Faith-Based & Community Initiatives, Office on Violence Against Women, President of the U.S., SENATE, Securities & Exchange Commission (SEC), White House Office