Student Loan Borrower Bill of Rights

see next pageIssues Related To Small Business S.537 - Clear SBA Act H.R.1240/S.289 - Commercial Real Estate and Economic Development Act of 2013 Issues Related To Data Security/Privacy S.635/H.R.749 - Privacy Notice Modernization Act of 2013 S.947 - SAFE Act Confidentiality & Privilege Enhancement Act S.1927 - Data Security Act of 2014 Issues Related To Banking S.673 - Protecting Consumers from Unreasonable Credit Rates Act of 2013 H.R.1261- Overdraft Protection Act of 2013 Issues related to The Wall Street Reform and Consumer Protection Act Issues Related To Cyber Security H.R.624 - Cyber Intelligence Sharing and Protection Act H.Res.164 - Providing for consideration of the bill (H.R. 624) to provide the sharing of certain cyber threat intelligence and cyber threat information between the intelligence community and cybersecurity entities, and for other purposes. H.R.756 - Cybersecurity Enhancement Act of 2013 S.1927 - Cybersecurity and American Cyber Competitiveness Act of 2013 S.1353 - Cyber Security Act Of 2013 Issues Related To Consumer Financial Protection Bureau Potential Legislation Regarding the CFPB. Issues related to CFPB and banking agency regulatory bulletins H.R.2402 - Consumer Financial Protection Commission Act of 2013 H.R.3770 - CFPB - IG Act of 2013 H.R.4811 - Bureau Guidance Transparency Act Issues Related To Student Loans S.546 - Smarter Borrowing Act S.1266 - Refinancing Education Funding to Invest (REFI) for the Future Act of 2013 H.R.2661 - The Fair Student Credit Act of 2013 S.1803 - Student Loan Borrower Bill of Rights House Joint Resolution 59 - The Bipartisan Budget Act of 2013 S.2432 - Bank on Students Emergency Loan Refinancing Act H.R.4511 - Protecting Students from Automatic Default Act S.2448 - Service Member Wishes Education Protection Act Higher Education Affordability Act/Issues Related to Reauthorization of the Higher Education Act Issues Related to Postal Service S.1486 - The Postal Reform Act of 2014Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Real Estate Settlement Procedures Issues, Regulation X, 12 CFR Part 1024 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Disclosure of Records and Information, 12 CFR Part 1070 Rules of Practice for Adjudication Proceeding, 12 CFR Part 1081 CFPBs Larger Participant Rulemaking, 12 CFR Part 1090 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to Telephone Consumer Protection Act Issues related to the Higher Education Act Section 487(a)(2) of Higher Education Act Campus cards Issues related to the Servicemembers Civil Relief Act Issues related to proposed changes to the Military Lending Act Pub. L. 109-364, by regulation 79 FR 58601 (September 29, 2014)

Client expense: $990,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Monitored issues relating to higher education, especially student loan borrowing financial counseling. Monitored progress of S.1873 - Protect Student Borrowers Act of 2013; S.113, Know Before You Owe Private Student Loan Act of 2013; S.1803 - Student Loan Borrower Bill of Rights. Monitored movement on the Departments of Labor, Health and Human Services, and Education, and Related Agencies Appropriations Act, 2015 especially related to Title III the Department of Education. Monitored movement on S.2281, Net Price Calculator Improvement Act. Chairman Harkin's discussion draft of H.R.1949, Improving Postsecondary Education Data for Students Act. Monitored activity relating to marking up pieces of Higher Education Act in House.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues and legislation related to private student lending, including HR2561, S1266, S1803, and S2432.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

see next pageIssues Related To Small Business S.537 - Clear SBA Act H.R.1240/S.289 - Commercial Real Estate and Economic Development Act of 2013 Issues Related To Data Security/Privacy S.635/H.R.749 - Privacy Notice Modernization Act of 2013 S.947 - SAFE Act Confidentiality & Privilege Enhancement Act S.1927 - Data Security Act of 2014 Issues Related To Banking S.673 - Protecting Consumers from Unreasonable Credit Rates Act of 2013 H.R.1261- Overdraft Protection Act of 2013 Issues related to The Wall Street Reform and Consumer Protection Act Issues Related To Cyber Security H.R.624 - Cyber Intelligence Sharing and Protection Act H.Res.164 - Providing for consideration of the bill (H.R. 624) to provide the sharing of certain cyber threat intelligence and cyber threat information between the intelligence community and cybersecurity entities, and for other purposes. H.R.756 - Cybersecurity Enhancement Act of 2013 S.1927 - Cybersecurity and American Cyber Competitiveness Act of 2013 S.1353 - Cyber Security Act Of 2013 Issues Related To Consumer Financial Protection Bureau Potential Legislation and Education Regarding the CFPB. Issues related to CFPB and banking agency regulatory bulletins H.R.2402 - Consumer Financial Protection Commission Act of 2013 H.R.3770 - CFPB - IG Act of 2013 H.R.4811 - Bureau Guidance Transparency Act Issues Related To Student Loans S.546 - Smarter Borrowing Act S.1266 - Refinancing Education Funding to Invest (REFI) for the Future Act of 2013 H.R.2661 - The Fair Student Credit Act of 2013 S.1803 - Student Loan Borrower Bill of Rights House Joint Resolution 59 - The Bipartisan Budget Act of 2013 S.2432 - Bank on Students Emergency Loan Refinancing Act H.R.4511 - Protecting Students from Automatic Default Act S.2448 - Service Member Wishes Education Protection Act Higher Education Affordability Act/Issues Related to Reauthorization of the Higher Education Act Issues Related to Postal Service S.1486 - The Postal Reform Act of 2014Regulations: Community Reinvestment Act Regulations, 12 CFR parts 25, 195, 228 and 345 Debit Card interchange, 12 CFR Part 235, Regulation II Regulation B, 12 CFR Part 202, 1002 (ECOA) Regulation C, 12 CFR Part 203, 1003 (HMDA) Regulation E, 12 CFR Part 205, 1005 (EFTA) Regulation F, 12 CFR Part 1006 (FDCPA) Consumer Privacy, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting, 12 CFR Parts 41, 171, 334, 1022 Regulation X, 12 CFR Part 1024 (RESPA) Regulation Z, 12 CFR Part 1026 (TILA) Disclosure of records and information, 12 CFR Part 1070 Rules of practice for adjudication proceeding, 12 CFR Part 1081 CFPBs larger participant rules, 12 CFR Part 1090 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to Telephone Consumer Protection Act Issues related to the Higher Education Act Issues related to the Service Member Civil Relief Act Regulation P, 12CFR Part 216

Campus issues related to student government elections Higher Education Reauthorization Act; entire bill U. S. Department of Education negotiated rulemaking; program integrity rules S. 2204, H.R. 4391, Proprietary Education Oversight Coordination Improvement Act; entire bill H.R. 3136, Advancing Competency-Based Education Demonstration Projects Act of 2014; entire bill H.R. 4983, Strengthening Transparency in Higher Education Act; entire bill H.R. 4984, Empowering Students Through Enhanced Financial Counseling Act; entire bill H.R. 5277, S. 2695, Survivor Outreach and Support Campus Act; entire bill H.R. 5354, S. 2692, Campus Accountability and Safety Act; entire bill H.R. 5171, Department of the Interior, Environment, and Related Agencies Appropriations Act, 2015; humanities funding S. 1803, Student Loan Borrower Bill of Rights; entire bill H.R. 3612, Know Before You Owe Private Student Loan Act of 2013; entire bill H.R. 4622, S. 1066, Federal Student Loan Refinancing Act; entire bill H.R. 4582, S. 2292, S. 2432, Bank on Students Emergency Loan Refinancing Act; entire bill H.R. 4714, Curbing Abusive Marketing Practices with University Student Debit Cards Act; entire bill S. 2385, Protecting Aid for Students Act of 2014; entire bill H.R. 5269, Hold Accountable and Lend Transparency on Campus Sexual Violence Act; entire bill H.R. 5399, Student Loan Repayment Assistance Act of 2014; entire bill H.R. 5508, Student Loan Interest Deduction Fairness Act; entire bill H.R. 5577, To amend the Higher Education Act of 1965 to eliminate origination fees for Federal Direct Loans.; entire bill

Client expense: $270,000 · Firm income: Not reported

Issues and legislation related to private student lending, including HR2561, S1266, S1803, and S2432

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Monitored issues relating to higher education, especially student loan borrowing financial counseling. Monitored progress of (see next page)S.1873 - Protect Student Borrowers Act of 2013; S.113, Know Before You Owe Private Student Loan Act of 2013; S.1803 - Student Loan Borrower Bill of Rights. Monitored movement on the Departments of Labor, Health and Human Services, and Education, and Related Agencies Appropriations Act, 2015 especially related to Title III the Department of Education. Monitored movement on S.2281, Net Price Calculator Improvment Act. Chairman Harkin's discussion draft of H.R.1949, Improving Postsecondary Education Data for Students Act. Monitored activity relating to marking up pieces of Higher Education Act in House.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

see next pageIssues Related To Small Business S.537 - Clear SBA Act H.R.1240/S.289 - Commercial Real Estate and Economic Development Act of 2013 Issues Related To Data Security/Privacy S.635/H.R.749 - Privacy Notice Modernization Act of 2013 S.947 - SAFE Act Confidentiality & Privilege Enhancement Act S.1927 - Data Security Act of 2014 Issues Related To Banking S.673 - Protecting Consumers from Unreasonable Credit Rates Act of 2013 H.R.1261- Overdraft Protection Act of 2013 Issues related to The Wall Street Reform and Consumer Protection Act Issues Related To Cyber Security H.R.624 - Cyber Intelligence Sharing and Protection Act H.Res.164 - Providing for consideration of the bill (H.R. 624) to provide the sharing of certain cyber threat intelligence and cyber threat information between the intelligence community and cybersecurity entities, and for other purposes. H.R.756 - Cybersecurity Enhancement Act of 2013 S.1927 - Cybersecurity and American Cyber Competitiveness Act of 2013 S.1353 - Cyber Security Act Of 2013 Issues Related To Consumer Financial Protection Bureau Potential Legislation and Education Regarding the CFPB. Issues related to CFPB and banking agency regulatory bulletins H.R.2402 - Consumer Financial Protection Commission Act of 2013 H.R.3770 - CFPB - IG Act of 2013 H.R.4811 - Bureau Guidance Transparency Act Issues Related To Student Loans S.546 - Smarter Borrowing Act S.1266 - Refinancing Education Funding to Invest (REFI) for the Future Act of 2013 H.R.2661 - The Fair Student Credit Act of 2013 S.1803 - Student Loan Borrower Bill of Rights House Joint Resolution 59 - The Bipartisan Budget Act of 2013 S.2432 - Bank on Students Emergency Loan Refinancing Act H.R.4511 - Protecting Students from Automatic Default Act S.2448 - Service Member Wishes Education Protection Act Higher Education Affordability Act/Issues Related to Reauthorization of the Higher Education Act Issues Related to Postal Service S.1486 - The Postal Reform Act of 2014Regulations: Community Reinvestment Act Regulations, 12 CFR parts 25, 195, 228 and 345 Debit Card interchange, 12 CFR Part 235, Regulation II Regulation B, 12 CFR Part 202, 1002 (ECOA) Regulation C, 12 CFR Part 203, 1003 (HMDA) Regulation E, 12 CFR Part 205, 1005 (EFTA) Regulation F, 12 CFR Part 1006 (FDCPA) Consumer Privacy, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting, 12 CFR Parts 41, 171, 334, 1022 Regulation X, 12 CFR Part 1024 (RESPA) Regulation Z, 12 CFR Part 1026 (TILA) Disclosure of records and information, 12 CFR Part 1070 Rules of practice for adjudication proceeding, 12 CFR Part 1081 CFPBs larger participant rules, 12 CFR Part 1090 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to Telephone Consumer Protection Act Issues related to the Higher Education Act Issues related to the Service Member Civil Relief Act Regulation P, 12CFR Part 216

Issues and legislation related to private student lending, including HR2561, S1266, S1803, and S2432.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Higher Education Reauthorization Act, entire bill U.S. Department of Education, Negotiated rulemaking, Gainful Employment, student loan program integrity rules, and Violence Against Women Act (VAWA) Reauthorization of 2013; Program Integrity; teacher preparation rules H.R. 4391, S. 2204, Proprietary Education Oversight Coordination Improvement Act, entire bill H. R. 3612, Know Before You Owe Private Student Loan Act, of 2013, entire bill S. 1803, Student Loan Borrower Bill of Rights, entire bill H.R. 4622, S. 1066, Federal Student Loan Refinancing Act H.R. 4582 S. 2292, S. 2432, Bank on Students Emergency Loan Refinancing Act, entire bill S. 2385, Protecting Aid for Students Act of 2014, entire bill H.R. 4714, CAMPUS Debit Cards Act, entire bill Departments of the Interior, Environment, and Related Agencies Appropriations Act, 2015, humanities funding Legislative proposals to combat sexual assault on college campuses H.R. 3136, Advancing Competency-Based Education Demonstration Project Act of 2013, entire bill H.R. 4983, Strengthening Transparency in Higher Education Act, entire bill H.R. 4984, Empowering Students Through Enhanced Financial Counseling Act, entire bill Financial Aid Simplification and Transparency Act of 2014, entire bill

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

Monitored issues relating to higher education, especially student loan borrowing financial counseling. Monitored progress of (see next page)S.1873 - Protect Student Borrowers Act of 2013; S.113, Know Before You Owe Private Student Loan Act of 2013; S.1803 - Student Loan Borrower Bill of Rights. Monitored movement on the Departments of Labor, Health and Human Services, and Education, and Related Agencies Appropriations Act, 2015 especially related to Title III the Department of Education. Monitored movement on S.2281, Net Price Calculator Improvment Act. Chairman Harkin's discussion draft of H.R.1949, Improving Postsecondary Education Data for Students Act. Monitored activity relating to marking up pieces of Higher Education Act in House.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

see next pageIssues Related To Small Business S.537 - Clear SBA Act H.R.1240/S.289 - Commercial Real Estate and Economic Development Act of 2013 Issues Related To Data Security/Privacy S.635/H.R.749 - Privacy Notice Modernization Act of 2013 S.947 - SAFE Act Confidentiality & Privilege Enhancement Act S.1927 - Data Security Act of 2014 Issues Related To Banking S.673 - Protecting Consumers from Unreasonable Credit Rates Act of 2013 H.R.1261- Overdraft Protection Act of 2013 S.737/H.R. 1221 - BASEL III Study Issues related to The Wall Street Reform and Consumer Protection Act Issues Related To Cyber Security H.R.624 - Cyber Intelligence Sharing and Protection Act H.Res.164 - Providing for consideration of the bill (H.R. 624) to provide the sharing of certain cyber threat intelligence and cyber threat information between the intelligence community and cybersecurity entities, and for other purposes. H.R.756 - Cybersecurity Enhancement Act of 2013 S.1927 - Cybersecurity and American Cyber Competitiveness Act of 2013 S.1353 - Cyber Security Act Of 2013 Issues Related To Consumer Financial Protection Bureau Potential Legislation and Education Regarding the CFPB. Issues related to CFPB and banking agency regulatory bulletins Issues Related To Student Loans S.546 - Smarter Borrowing Act S.1266 - Refinancing Education Funding to Invest (REFI) for the Future Act of 2013 H.R.2661 - The Fair Student Credit Act of 2013 S.1803 - Student Loan Borrower Bill of Rights House Joint Resolution 59 - The Bipartisan Budget Act of 2013 Issues Related to Flood Insurance H.R.3370 - Homeowner Flood Insurance Affordability Act of 2013 S.1926 - A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. Issues Related to Postal Service S.1486 - The Postal Reform Act of 2014Regulations: Bank Capital, 12 CFR Parts 167, 325 Community Reinvestment Act Regulations, 12 CFR parts 25, 195, 228 and 345 Debit card interchange, 12 CFR Part 235, Regulation II Forced-place flood insurance, 12 CFR Part 339 Regulation B, 12 CFR Part 202, 1002 (ECOA) Regulation C, 12 CFR Part 203, 1003 (HMDA) Regulation D, 12 CFR Part 1004 (Alternative Mortgage Transaction Parity) Regulation E, 12 CFR Part 205, 1005 (EFTA) Regulation F, 12 CFR Part 1006 (FDCPA) Regulation G, 12 CFR Part 1007 (SAFE) Regulation H, 12 CFR Part 1008 (SAFE) Regulation I, 12 CFR Part 1009 Regulation J, 12 CFR Part 1010 Regulation K, 12 CFR Part 1011 Regulation L, 12 CFR Part 1012 Regulation M, 12 CFR Part 1013 Regulation N, 12 CFR Part 1014 Regulation O, 12 CFR Part 1015 Consumer Privacy, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting, 12 CFR Parts 41, 171, 334, 1022 Regulation X, 12 CFR Part 1024 (RESPA) Regulation Z, 12 CFR Part 1026 (TILA) Regulation DD, 12 CFR Parts 230, 1030 (TISA) Regulation YY, 12 CFR 252 (Enhanced Prudential Standards) Disclosure of records and information, 12 CFR Part 1070 Rule implementing EAJA, 12 CFR Part 1071 Nondiscrimination based on disability, 12 CFR Part 1072 Rulemaking procedures, 12 CFR Part 1074 Rules relating to CFPB investigations, 12 CFR Part 1080 Rules of practice for adjudication proceeding, 12 CFR Part 1081 State official notification rules, 12 CFR Part 1082 CFPBs larger participant rules, 12 CFR Part 1090 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to Telephone Consumer Protection Act

Issues and legislation related to proviate student lending, including HR2561, S1266 and S1803

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

see next pageIssues Related To Small Business S.537 - Clear SBA Act H.R.1240/S.289 - Commercial Real Estate and Economic Development Act of 2013 Issues Related To Data Security/Privacy S.635/H.R.749 - Privacy Notice Modernization Act of 2013 S.947 - SAFE Act Confidentiality & Privilege Enhancement Act Issues Related To Banking S.673 - Protecting Consumers from Unreasonable Credit Rates Act of 2013 H.R.1261- Overdraft Protection Act of 2013 S.737/H.R. 1221 - BASEL III Study Issues related to The Wall Street Reform and Consumer Protection Act Issues Related To Cyber Security H.R.624 - Cyber Intelligence Sharing and Protection Act H.Res.164 - Providing for consideration of the bill (H.R. 624) to provide the sharing of certain cyber threat intelligence and cyber threat information between the intelligence community and cybersecurity entities, and for other purposes. H.R.756 - Cybersecurity Enhancement Act of 2013 S.1927 - Cybersecurity and American Cyber Competitiveness Act of 2013 S.1353 - Cyber Security Act Of 2013 Issues Related To Consumer Financial Protection Bureau Potential Legislation and Education Regarding the CFPB. Issues Related To Student Loans S.546 - Smarter Borrowing Act S.1266 - Refinancing Education Funding to Invest (REFI) for the Future Act of 2013 H.R.2661 - The Fair Student Credit Act of 2013 S.1803 - Student Loan Borrower Bill of Rights House Joint Resolution 59 - The Bipartisan Budget Act of 2013 Regulations: Bank Capital, 12 CFR Parts 167, 325 Community Reinvestment Act Regulations, 12 CFR parts 25, 195, 228 and 345 Debit card interchange, 12 CFR Part 235, Regulation II Forced-place flood insurance, 12 CFR Part 339 Regulation B, 12 CFR Part 202, 1002 (ECOA) Regulation C, 12 CFR Part 203, 1003 (HMDA) Regulation D, 12 CFR Part 1004 (Alternative Mortgage Transaction Parity) Regulation E, 12 CFR Part 205, 1005 (EFTA) Regulation F, 12 CFR Part 1006 (FDCPA)Regulation G, 12 CFR Part 1007 (SAFE) Regulation H, 12 CFR Part 1008 (SAFE) Regulation I, 12 CFR Part 1009 Regulation J, 12 CFR Part 1010 Regulation K, 12 CFR Part 1011 Regulation L, 12 CFR Part 1012 Regulation M, 12 CFR Part 1013 Regulation N, 12 CFR Part 1014 Regulation O, 12 CFR Part 1015 Consumer Privacy, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting, 12 CFR Parts 41, 171, 334, 1022 Regulation X, 12 CFR Part 1024 (RESPA) Regulation Z, 12 CFR Part 1026 (TILA) Regulation DD, 12 CFR Parts 230, 1030 (TISA) Regulation YY, 12 CFR 252 (Enhanced Prudential Standards) Disclosure of records and information, 12 CFR Part 1070 Rule implementing EAJA, 12 CFR Part 1071 Nondiscrimination based on disability, 12 CFR Part 1072 Rulemaking procedures, 12 CFR Part 1074 Rules relating to CFPB investigations, 12 CFR Part 1080 Rules of practice for adjudication proceeding, 12 CFR Part 1081 State official notification rules, 12 CFR Part 1082 CFPBs larger participant rules, 12 CFR Part 1090 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to CFPB and banking agency regulatory bulletins Issues related to Telephone Consumer Protection Act

Monitored issues relating to higher education, especially student loan borrowing. Monitored progress of (see next page)S.1873 - Protect Student Borrowers Act of 2013; S.113, Know Before You Owe Private Student Loan Act of 2013; S.1803 - Student Loan Borrower Bill of Rights. Monitored movement on the Departments of Labor, Health and Human Services, and Education, and Related Agencies Appropriations Act, 2015 especially related to Title III the Department of Education. Monitored movement on H.Con.Res. 76, Establishing the budget for the United States Government for fiscal year 2015 and setting forth appropriate budgetary levels for fiscal years 2016 through 2024.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

see next pageIssues Related To Small Business S.537 - Clear SBA Act H.R.1240/S.289 - Commercial Real Estate and Economic Development Act of 2013 Issues Related To Data Security/Privacy S.635/H.R.749 - Privacy Notice Modernization Act of 2013 S.947 - SAFE Act Confidentiality & Privilege Enhancement Act Issues Related To Banking S.673 - Protecting Consumers from Unreasonable Credit Rates Act of 2013 H.R.1261- Overdraft Protection Act of 2013 S.737/H.R. 1221 - BASEL III Impact Study Issues related to The Wall Street Reform and Consumer Protection Act Issues Related To Cyber Security H.R.624 - Cyber Intelligence Sharing and Protection Act H.Res.164 - Providing for consideration of the bill (H.R. 624) to provide the sharing of certain cyber threat intelligence and cyber threat information between the intelligence community and cybersecurity entities, and for other purposes. H.R.756 - Cybersecurity Enhancement Act of 2013 S.21 - Cybersecurity and American Cyber Competitiveness Act of 2013 S.1353 - Cyber Security Act Of 2013 Issues Related To Bankruptcy S.113 - Know Before You Owe Private Student Loan Act of 2013 S.114 - Fairness for Struggling Students Act of 2013 Issues Related To Consumer Financial Protection Bureau Potential Legislation and Education Regarding the CFPB. S.205 - Responsible Consumer Financial Protection Regulations Act of 2013 S.727 - Financial Institutions Examination Fairness and Reform Act Issues Related To Student Loans S.546 - Smarter Borrowing Act S.1266 - Refinancing Education Funding to Invest (REFI) for the Future Act of 2013 H.R.2661 - The Fair Student Credit Act of 2013 S.1803 - Student Loan Borrower Bill of Rights House Joint Resolution 59 - The Bipartisan Budget Act of 2013 Regulations: Bank Capital, 12 CFR Parts 167, 325 Community Reinvestment Act Regulations, 12 CFR parts 25, 195, 228 and 345 Debit card interchange, 12 CFR Part 235, Regulation II Forced-place flood insurance, 12 CFR Part 339 Regulation B, 12 CFR Part 202, 1002 (ECOA) Regulation C, 12 CFR Part 203, 1003 (HMDA) Regulation D, 12 CFR Part 1004 (Alternative Mortgage Transaction Parity) Regulation E, 12 CFR Part 205, 1005 (EFTA) Regulation F, 12 CFR Part 1006 (FDCPA)Regulation G, 12 CFR Part 1007 (SAFE) Regulation H, 12 CFR Part 1008 (SAFE) Regulation I, 12 CFR Part 1009 Regulation J, 12 CFR Part 1010 Regulation K, 12 CFR Part 1011 Regulation L, 12 CFR Part 1012 Regulation M, 12 CFR Part 1013 Regulation N, 12 CFR Part 1014 Regulation O, 12 CFR Part 1015 Consumer Privacy, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting, 12 CFR Parts 41, 171, 334, 1022 Regulation X, 12 CFR Part 1024 (RESPA) Regulation Z, 12 CFR Part 1026 (TILA) Regulation DD, 12 CFR Parts 230, 1030 (TISA) Regulation YY, 12 CFR 252 (Enhanced Prudential Standards) Disclosure of records and information, 12 CFR Part 1070 Rule implementing EAJA, 12 CFR Part 1071 Nondiscrimination based on disability, 12 CFR Part 1072 Rulemaking procedures, 12 CFR Part 1074 Rules relating to CFPB investigations, 12 CFR Part 1080 Rules of practice for adjudication proceeding, 12 CFR Part 1081 State official notification rules, 12 CFR Part 1082 CFPBs larger participant rules, 12 CFR Part 1090 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to CFPB and banking agency regulatory bulletins

Issues and legislation related to private student lending, including: HR2561, S1266, and S1803

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S.1534, Freedom and Mobility in Consumer Banking Act S.1803, Student Loan Borrower Bill of Rights H.R.3694, Net Price Calculator Improvement Act H.R.3137, Freedom and Mobility in Consumer Banking ActS.160, Medical Debt Responsibility Act of 2013 H.R.1767, Medical Debt Responsibility Act of 2013 Issues related to free credit scores, fair lending, and the implementation of the Dodd-Frank Wall Street Reform (P.L. 111-203) Issues related to medical debt Issues related to pay-day lending and student lending Issues related to credit reporting bureaus Issues related to student loan relief Issues related to debt collection abuses and scams Issues related to investor protection Issues related to the Consumer Financial Protection Bureau funding, authority, and appointments Issues related to the Trans Atlantic Consumer Dialogue (TACD) Issues related to "Too Big to Fail" and the restoration of the Glass-Steagall Act Issues related to the issuance of the Consumer Protection Bureau's mortgage servicing, qualified mortgage, home mortgage, reverse mortgage, and privacy rules Issues related to prepaid cards

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

H.R.2637 Supporting Academic Freedom through Regulatory Relief Act; S.1873 Protect Student Borrowers Act of 2013; S.1803 Student Loan Borrower Bill of Rights; opposed amendments in NDAA and Defense Appropriations bills aimed at for-profit colleges; negotiated rulemaking efforts with Education Department related to proposed new gainful employment regulations; garner support for DCL in House regarding gainful employment regulations.

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

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

k-12 education, including reauthorization of the elementary and secondary education act; higher education act, including college affordability and quality, student financial aid and Pell Grants, teacher preparation program regulation; S. 1803 the Student Loan Borrower Bill of Rights; S. 1197, National Defense Authorization Act for FY 2014 and the regulation of the use of Department of Defense education dollars at for-profit institutions

Client expense: $17,100 · Firm income: Not reported

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

Monitored issues relating to higher education, especially student loan borrowing. Monitored progress of (see next page)S.1873 - Protect Student Borrowers Act of 2013; S.113, Know Before You Owe Private Student Loan Act of 2013; S.1803 - Student Loan Borrower Bill of Rights. Monitored movement on S.1284 - Departments of Labor, Health and Human Services, and Education, and Related Agencies Appropriations Act, 2014 especially related to Title III the Department of Education. Actively lobbied on behalf of H.J.Res. 59 Continuing Appropriations Resolution, 2014 Bipartisan Budget Act with concerns about the rehabilitation fee changes.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE