Bank on Students Emergency Loan Refinancing Act

Senate Higher Education Affordability Act and Financial Aid Simplification and Transparency (FAST) Act(Draft legislation to reauthorize the Higher Education Act). S 406: Students First Act of 2013, A bill to amend the Higher Education Act of 1965 to provide for new program review requirements. (ALL) S 915 and HR 1937: Student Right to Know Before you Go Act 2013: A bill to amend the Higher Education Act of 1965 to update reporting requirements for institutions of higher education and provide for more accurate and complete data to student retention, graduation and earnings outcomes at all levels of postsecondary education(ALL). HR 1991: To require the Secretary of Education to verify that individuals have made a commitment to serve in the Armed Forces or in public service, or otherwise are a borrower on an eligible loan which has been submitted to a guaranty agency for default aversion or is already in default, before such individuals obtain a consolidation loan for purposes specified under section 455(o) of the Higher Education Act of 1965(ALL). H.R.1529 Student Aid Expansion Act of 2013 Official Title: To amend the Higher Education Act of 1965 to exempt certain State-provided loan programs from being subject to preferred lender arrangement requirements. H.R.1928 Proprietary Institution of Higher Education Accountability Act Official Title: To clarify the calculation of cohort default rates for proprietary institutions of higher education under the Higher Education Act of 1965. HR. 2903: National Collegiate Athletics Accountability Act: A bill to amend section 487(a) of the Higher Education Act of 1965 to provide increased accountability of nonprofit athletic associations, and for other purposes(ALL) S2692 and HR 5354: Campus Accountability and Safety Act Official Title: A bill to amend the Higher Education Act of 1965 and the Jeanne Clery Disclosure of Campus Security Policy and Campus Crime Statistics Act to combat campus sexual violence, and for other purposes(ALL). HR 4983: Strengthening Transparency in Higher Education Act Official Title: To simplify and streamline the information regarding institutions of higher education made publicly available by the Secretary of Education, and for other purposes. HR 3136 Advancing Competency-Based Education Demonstration Project Act of 2013 Official Title: To establish a demonstration program for competency-based education. HR4984: Empowering Students Through Enhanced Financial Counseling Act Official Title: To amend the loan counseling requirements under the Higher Education Act of 1965, and for other purposes. S2432: Bank on Students Emergency Loan Refinancing Act Official Title: A bill to amend the Higher Education Act of 1965 to provide for the refinancing of certain Federal student loans, and for other purposes.

Client expense: $80,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 5, Student Success Act H.R. 551, Fast Track to College Act of 2013 H.R. 1937 / S. 915, Student Right To Know Before You Go Act of 2013 H.R. 2637, Supporting Academic Freedom through Regulatory Relief Act H.R. 3136, Advancing Competency-Based Education Demonstration Projects Act of 2014 H.R. 4897, Transparency in Education Act H.R. 4983, Strengthening Transparency in Higher Education Act H.R. 4984, Empowering Students Through Enhanced Financial Counseling Act H.R. 5807, Support Making Assessments Reliable and Timely Act (SMART) Act S. 1010, Commission on Effective Regulation and Assessment Systems for Public Schools Act S. 1094, Strengthening America's Schools Act of 2013 S. 1101, Every Child Ready for College or Career Act of 2013 S. 1356, Workforce Investment Act of 2013 S. 2432, Bank on Students Emergency Loan Refinancing Act Various issues relating to the reauthorization of the Elementary and Secondary Education Act (P.L. 89-10); reauthorization and implementation of the Workforce Investment Partnership Act of 1998 (P.L. 105-220); reauthorization of the Carl D. Perkins Career and Technical Education Improvement Act of 2006 (P.L. 109-270); higher education, including the reauthorization of the Higher Education Act of 1965 (P.L. 89-329); implementation of the Workforce Innovation and Opportunity Act (P.L. 113-128); Department of Educations Gainful Employment Negotiated Rulemaking; 90/10 rule requiring for-profit colleges to receive at least 10% of their revenues from sources other than federal student aid; Common Core State Standards Initiative; early childhood education

Client expense: $21,250,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Product Safety Commission (CPSC), Council on Environmental Quality (CEQ), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Bureau of Investigation (FBI), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), General Services Administration (GSA), Government Accountability Office (GAO), 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 Economic Council (NEC), Natl Institute of Standards & Technology (NIST), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Occupational Safety & Health Administration (OSHA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Fish & Wildlife Service (USFWS), U.S. Forest Service, U.S. Trade Representative (USTR), White House Office

H.R. 1, Tax Reform Act of 2014 H.R. 4, Jobs for America Act H.R. 30, Small Business Investment Enhancement and Tax Relief Act H.R. 83, Consolidated and Further Continuing Appropriations Act, 2015, including provisions relating to procurement policy, Buy America, inversion contracting matters, and contractor blacklisting H.R. 516, Middle Class Payroll Tax Relief Act H.R. 523, Protect Medical Innovation Act of 2013 H.R. 684 / S. 336 / S. 743, Marketplace Fairness Act of 2013 H.R. 694, Corporate Tax Fairness Act H.R. 763, To repeal the annual fee on health insurance providers enacted by the Patient Protection and Affordable Care Act H.R. 766 / S. 321, Paying a Fair Share Act of 2013 H.R. 851 / S. 337 / S. 2569 , Bring Jobs Home Act H.R. 886, America's Small Business Tax Relief Act of 2013 H.R. 3724 / S. 1364, Digital Goods and Services Tax Fairness Act of 2013 H.R. 4438, American Research and Competitiveness Act of 2014 H.R. 4453, S Corporation Permanent Tax Relief Act of 2014 H.R. 4457, America's Small Business Tax Relief Act of 2014 H.R. 4718, To amend the Internal Revenue Code of 1986 to modify and make permanent bonus depreciation H.R. 4923, Energy and Water Development and Related Agencies Appropriations Act, 2015, including provisions relating to procurement policy, inversion contracting matters, and contractor blacklisting H.R. 5016, Financial Services and General Government Appropriations Act, 2015, including provisions relating to procurement policy, inversion contracting matters, and contractor blacklisting H.R. 5278 / S. 2704, No Federal Contracts for Corporate Deserters Act of 2014 H.R. 5771, Tax Increase Prevention Act of 2014 S. 193, Startup Innovation Credit Act of 2013 S. 250, Corporate Tax Dodging Prevention Act S. 268, CUT Loopholes Act S. 277, Job Prevention and Economic Certainty Act of 2013 S. 278, Job Preservation and Sequester Replacement Act of 2013 S. 388, American Family Economic Protection Act of 2013 S. 410, Wall Street Trading and Speculators Tax Act S. 2260, EXPIRE Act of 2014 S. 2432, Bank on Students Emergency Loan Refinancing Act S. 2736, Tax Refund Theft Prevention Act of 2014, including provisions relating to section 11, lowering the threshold for electronic filings with the IRS and section 12, reducing the time in which small businesses have to file a return S. 2786, Corporate Inverters Earnings Stripping Reform Act of 2014 Draft legislation titled Remote Transaction Parity Act of 2014 Various issues relating to the implementation of Middle Class Tax Relief and Job Creation Act of 2012 (P.L. 112-96); implementation of the Housing and Economic Recovery Act of 2008 (P.L. 110-289), including Section 3091 - provisions relating to data collection and return requirements; Chairman Goodlattes principles governing sales tax collection legislation; Senator Levins Management and Control corporate residency proposal; comprehensive tax reform, including House Ways and Means Committee working drafts and Chairman Camps comprehensive draft bill; tax extenders including R&D tax credit, bonus depreciation, exemptions for active financing income, deferral tax provisions, S-Corp tax provisions, and Section 179 expensing limits; international competiveness of corporate tax rates; legislative proposals on corporate tax inversions; Alternative Minimum Tax (AMT); extension of unemployment insurance; House Judiciary Committee Principles on Internet Sales Tax; tax reform; entitlement reform; tax inversion; tax gap and small business paperwork and compliance burdens; sequestration; interpretation of IRS Rule 305(c); IRS efforts to evaluate the effectiveness of the 1099-K pilot matching program

Client expense: $21,250,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Product Safety Commission (CPSC), Council on Environmental Quality (CEQ), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Bureau of Investigation (FBI), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), General Services Administration (GSA), Government Accountability Office (GAO), 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 Economic Council (NEC), Natl Institute of Standards & Technology (NIST), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Occupational Safety & Health Administration (OSHA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Fish & Wildlife Service (USFWS), U.S. Forest Service, U.S. Trade Representative (USTR), White House Office

S 2432 Bank on Students Emergency Loan Refinancing Act (all sections of full text) S 1066 Federal Student Loan Refinancing Act (all sections of full text)

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

CIRT opposes "Buffet Tax" proposal in S.2432. CIRT supports HR.4457 ("America's Small Business Tax Relief Act of 2014").

Client expense: $86,900 · Firm income: Not reported

Government targets: Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Natl Labor Relations Board (NLRB), SENATE, Securities & Exchange Commission (SEC), 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. Support a strong final gainful employment regulation. Express grave concerns to the Department of Ed., DoJ, and the CFPB about the proposed sale of 56 Corinthian Colleges campuses to ECMC Group, a debt collector and loan servicer. We urge you not to waive liability for any prospective buyer of Corinthian campuses unless the sale provides significant relief for current and former students and contains enforceable safeguards to protect students and taxpayers from future abuse. Support S 2432 Support HR 4984

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

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 S. 673 Support Rich Cordray as Director of CFPB.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 H. R. 1077 / S. 949. 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). Oppose H.R. 3211. Urge 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. 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 S. 1150 / H.R. 3097, legislation to posthumously award a congressional gold medal to Judge Constance Baker Motley. 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 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 an FHFA reversal of the GSE policy on principal reduction. 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 HR 5130. Support expected rulemaking by the CFPB addressing payday and car title lending adequately take into account, and address, the profound and disproportionate harm these products have caused and continue to inflict on the communities served and represented by the NAACP.Oppose high price, exploitative payday lending. Support the proposed changes to HMDAs reporting requirements, as proposed y the Consumer Financial Protection Bureu, for mortgage lenders. Support H.R. 1767. Support legislation reqiring HMDA-like reporting for auto loans. Support any rule addressing payday, installment, car title or any other short term lending product issued by the CFPB accomplish the following: 1.Require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; 2.Does not sanction any series of repeat loans or provide any safe harbor of poorly underwritten loans; 3.Establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines 90 days in a twelve-month period. 4.Restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Oppose HR 3211. Support the Department of Labor (DOL)s efforts to update and strengthen the outdated rules adopted 40 years ago that apply when individuals receive professional advice about their retirement investments. Support efforts by the FHA to himplement a new system that categorizes loan errors and treats them differently depending on how significant they are and whether they are intentional, and they have asked for comments on their proposal, but also suggest improvements to the proposed changes. Oppose S. 2732. Support the Department of Defenses (DoD) Proposed Rule regarding Limitations on Terms of Consumer Credit Extended to Service Members and Dependents. Oppose HR 1602

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

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

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

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

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

Education, H.R. 10 (Success and Opportunity Through Quality Charter School Act), S. 2432 (Bank of Students Emerging Loan Refinancing Act), S. 2172 (Adjunct Faculty Loan Fairness Act)

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

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

Workforce H.R. 803 Supporting Knowledge and Investing in Lifelong Skills Act Student Loan Interest Rates H.R. 1911 Bipartisan Student Loan Certainty Act S. 1339 Bipartisan Student Loan Certainty Act S. 953 Student Loan Affordability Act S. 1003 Comprehensive Student Loan Protection Act Regulatory Burden H.R. 1949 Improving Postsecondary Education Data for Students Act Authorizing Amendments in Appropriations Bills S. 1284 Department of Labor, Health and Human Services, and Education and Related Agencies Appropriations Act, 2014 S. 1429 Department of Defense Appropriations Act, 2014 S.???? The Higher Education Affordability Act S. ???? The Financial Aid Simplification and Transparency Act S. 2432 The Bank on Students Emergency Loan Refinancing Act S. 2385 The Protecting Aid for Students Act S. 2292 The Bank on Students Emergency Loan Refinancing Act S. 2107 The Simplifying Access To Student Loan Information Act of 2014 S. 1969 The College Affordability and Innovation Act of 2014 S. 1904 The Higher Education Reform and Opportunity Act of 2013 H.R. 4897 The Transparency in Education Act H.R. 4883 The Strengthening Transparency in Higher Education Act H.R. 4982 The Simplifying the Application for Student Aid Act

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

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

Workforce H.R. 803 Supporting Knowledge and Investing in Lifelong Skills Act Student Loan Interest Rates H.R. 1911 Bipartisan Student Loan Certainty Act S. 1339 Bipartisan Student Loan Certainty Act S. 953 Student Loan Affordability Act S. 1003 Comprehensive Student Loan Protection Act Regulatory Burden H.R. 1949 Improving Postsecondary Education Data for Students Act Authorizing Amendments in Appropriations Bills S. 1284 Department of Labor, Health and Human Services, and Education and Related Agencies Appropriations Act, 2014 S. 1429 Department of Defense Appropriations Act, 2014 S.???? The Higher Education Affordability Act S. ???? The Financial Aid Simplification and Transparency Act S. 2432 The Bank on Students Emergency Loan Refinancing Act S. 2385 The Protecting Aid for Students Act S. 2292 The Bank on Students Emergency Loan Refinancing Act S. 2107 The Simplifying Access To Student Loan Information Act of 2014 S. 1969 The College Affordability and Innovation Act of 2014 S. 1904 The Higher Education Reform and Opportunity Act of 2013 H.R. 4897 The Transparency in Education Act H.R. 4883 The Strengthening Transparency in Higher Education Act H.R. 4982 The Simplifying the Application for Student Aid Act

Client expense: Not reported · Firm income: Not reported

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

Workforce H.R. 803 Supporting Knowledge and Investing in Lifelong Skills Act Student Loan Interest Rates H.R. 1911 Bipartisan Student Loan Certainty Act S. 1339 Bipartisan Student Loan Certainty Act S. 953 Student Loan Affordability Act S. 1003 Comprehensive Student Loan Protection Act Regulatory Burden H.R. 1949 Improving Postsecondary Education Data for Students Act Authorizing Amendments in Appropriations Bills S. 1284 Department of Labor, Health and Human Services, and Education and Related Agencies Appropriations Act, 2014 S. 1429 Department of Defense Appropriations Act, 2014 S.???? The Higher Education Affordability Act S. ???? The Financial Aid Simplification and Transparency Act S. 2432 The Bank on Students Emergency Loan Refinancing Act S. 2385 The Protecting Aid for Students Act S. 2292 The Bank on Students Emergency Loan Refinancing Act S. 2107 The Simplifying Access To Student Loan Information Act of 2014 S. 1969 The College Affordability and Innovation Act of 2014 S. 1904 The Higher Education Reform and Opportunity Act of 2013 H.R. 4897 The Transparency in Education Act H.R. 4883 The Strengthening Transparency in Higher Education Act H.R. 4982 The Simplifying the Application for Student Aid Act

Client expense: Not reported · Firm income: $10,000

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

s. 2692 - Campus Accountability and Safety Act - Sexual Assault provisions s. 2374 - Middle Class Chance Act - financial aid provisions s. 2432 - Bank & Student Emergency Loan Refinance Act - student loan provisions

Client expense: $45,000 · 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

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

Government targets: Education, Dept of, 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

H.R. 5021 The Highway and Transportation Funding Act of 2014; S. 2432 The Bank on Students Emergency Loan Refinancing Act

Client expense: $160,000 · Firm income: Not reported

Government targets: Education, Dept of, Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC)

H.R. 5, Student Success Act H.R. 551, Fast Track to College Act of 2013 H.R. 803, Workforce Innovation and Opportunity Act H.R. 1937 / S. 915, Student Right To Know Before You Go Act of 2013 H.R. 2637, Supporting Academic Freedom through Regulatory Relief Act H.R. 3136, Advancing Competency-Based Education Demonstration Projects Act of 2014 H.R. 4897, Transparency in Education Act H.R. 4983, Strengthening Transparency in Higher Education Act H.R. 4984, Empowering Students Through Enhanced Financial Counseling Act S. 1010, Commission on Effective Regulation and Assessment Systems for Public Schools Act S. 1094, Strengthening America's Schools Act of 2013 S. 1101, Every Child Ready for College or Career Act of 2013 S. 1356, Workforce Investment Act of 2013 S. 2432, Bank on Students Emergency Loan Refinancing Act Various issues relating to the reauthorization of the Elementary and Secondary Education Act (P.L. 89-10); reauthorization and implementation of the Workforce Investment Act (P.L. 105-220); reauthorization of the Carl D. Perkins Career and Technical Education Act (P.L. 109-270); higher education, including the reauthorization of the Higher Education Act of 1965 (P.L. 89-329), also including development of student financial assistance regulations pursuant to section 492; Department of Educations Gainful Employment Negotiated Rulemaking; 90/10 rule requiring for-profit colleges to receive at least 10% of their revenues from sources other than federal student aid; Common Core State Standards Initiative; early childhood education

Client expense: $28,350,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Product Safety Commission (CPSC), Council on Environmental Quality (CEQ), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Bureau of Investigation (FBI), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), General Services Administration (GSA), 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 Economic Council (NEC), Natl Institute of Standards & Technology (NIST), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Occupational Safety & Health Administration (OSHA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Fish & Wildlife Service (USFWS), U.S. Forest Service, U.S. Trade Representative (USTR), White House Office

H.R. 4, Jobs for America Act H.R. 30, Small Business Investment Enhancement and Tax Relief Act H.R. 516, Middle Class Payroll Tax Relief Act H.R. 523, Protect Medical Innovation Act of 2013 H.R. 684 / S. 336 / S. 743, Marketplace Fairness Act of 2013 H.R. 694, Corporate Tax Fairness Act H.R. 763, To repeal the annual fee on health insurance providers enacted by the Patient Protection and Affordable Care Act H.R. 766 / S. 321, Paying a Fair Share Act of 2013 H.R. 851 / S. 337 / S. 2569 , Bring Jobs Home Act H.R. 880 / S. 410, Wall Street Trading and Speculators Tax Act H.R. 886, Americas Small Business Tax Relief Act of 2013 H.R. 2546 / S. 1257, Protect American Investments Act of 2013 H.R. 3724 / S. 1364, Digital Goods and Services Tax Fairness Act of 2013 H.R. 4438, American Research and Competitiveness Act of 2014 H.R. 4453, S Corporation Permanent Tax Relief Act of 2014 H.R. 4457, America's Small Business Tax Relief Act of 2014 H.R. 4718, To amend the Internal Revenue Code of 1986 to modify and make permanent bonus depreciation, including provisions relating to modifying and making permanent 50% depreciation and the Alternative Minimum Tax (AMT) credit in lieu of 50% depreciation provisions H.R. 4923, Energy and Water Development and Related Agencies Appropriations Act, 2015, including provisions relating to procurement policy, inversion contracting matters, and contractor blacklisting H.R. 5016, Financial Services and General Government Appropriations Act, 2015, including provisions relating to procurement policy, inversion contracting matters, and contractor blacklisting H.R. 5278 / S. 2704, No Federal Contracts for Corporate Deserters Act of 2014 S. 193, Startup Innovation Credit Act of 2013 S. 250, Corporate Tax Dodging Prevention Act S. 268, CUT Loopholes Act S. 277, Job Prevention and Economic Certainty Act of 2013 S. 278, Job Preservation and Sequester Replacement Act of 2013 S. 388, American Family Economic Protection Act of 2013 S. 2260, EXPIRE Act of 2014 S. 2432, Bank on Students Emergency Loan Refinancing Act S. 2786, Corporate Inverters Earnings Stripping Reform Act of 2014 Draft Tax Reform Act of 2014 Various issues relating to the implementation of Middle Class Tax Relief and Job Creation Act of 2012 (P.L. 112-96); implementation of the Housing and Economic Recovery Act of 2008 (P.L. 110-289), including Section 3091 - provisions relating to data collection and return requirements; Chairman Goodlattes principles governing sales tax collection legislation; Senator Levins Management and Control corporate residency proposal; comprehensive tax reform, including House Ways and Means Committee working drafts and Chairman Camps comprehensive draft bill; tax extenders including R&D tax credit, bonus depreciation, exemptions for active financing income, deferral tax provisions, S-Corp tax provisions, and Section 179 expensing limits; international competitiveness of corporate tax rates; legislative proposals on corporate tax inversions; Alternative Minimum Tax (AMT); extension of unemployment insurance; House Judiciary Committee Principles on Internet Sales Tax; tax reform; entitlement reform; tax inversions; sequestration; online sales tax collection proposals

Client expense: $28,350,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Product Safety Commission (CPSC), Council on Environmental Quality (CEQ), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Bureau of Investigation (FBI), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), General Services Administration (GSA), 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 Economic Council (NEC), Natl Institute of Standards & Technology (NIST), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Occupational Safety & Health Administration (OSHA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Fish & Wildlife Service (USFWS), U.S. Forest Service, U.S. Trade Representative (USTR), White House Office

Reauthorization of Ex-Im Bank; S. 2432 - Bank on Students Emergency Loan Refinancing Act; S. 660 - Innovation Through Trade Act of 2013; HR. 5581 - Foreign Investment and Economic Security Act of 2014; H.R.5021 - Highway and Transportation Funding Act of 2014; House Interior appropriations lobbying;

Client expense: $120,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, White House Office

Workforce H.R. 803 Supporting Knowledge and Investing in Lifelong Skills Act Student Loan Interest Rates H.R. 1911 Bipartisan Student Loan Certainty Act S. 1339 Bipartisan Student Loan Certainty Act S. 953 Student Loan Affordability Act S. 1003 Comprehensive Student Loan Protection Act Regulatory Burden H.R. 1949 Improving Postsecondary Education Data for Students Act Authorizing Amendments in Appropriations Bills S. 1284 Department of Labor, Health and Human Services, and Education and Related Agencies Appropriations Act, 2014 S. 1429 Department of Defense Appropriations Act, 2014 S.???? The Higher Education Affordability Act S. ???? The Financial Aid Simplification and Transparency Act S. 2432 The Bank on Students Emergency Loan Refinancing Act S. 2385 The Protecting Aid for Students Act S. 2292 The Bank on Students Emergency Loan Refinancing Act S. 2107 The Simplifying Access To Student Loan Information Act of 2014 S. 1969 The College Affordability and Innovation Act of 2014 S. 1904 The Higher Education Reform and Opportunity Act of 2013 H.R. 4897 The Transparency in Education Act H.R. 4883 The Strengthening Transparency in Higher Education Act H.R. 4982 The Simplifying the Application for Student Aid Act

Client expense: Not reported · Firm income: Not reported

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

Workforce H.R. 803 Supporting Knowledge and Investing in Lifelong Skills Act Student Loan Interest Rates H.R. 1911 Bipartisan Student Loan Certainty Act S. 1339 Bipartisan Student Loan Certainty Act S. 953 Student Loan Affordability Act S. 1003 Comprehensive Student Loan Protection Act Regulatory Burden H.R. 1949 Improving Postsecondary Education Data for Students Act Authorizing Amendments in Appropriations Bills S. 1284 Department of Labor, Health and Human Services, and Education and Related Agencies Appropriations Act, 2014 S. 1429 Department of Defense Appropriations Act, 2014 S.???? The Higher Education Affordability Act S. ???? The Financial Aid Simplification and Transparency Act S. 2432 The Bank on Students Emergency Loan Refinancing Act S. 2385 The Protecting Aid for Students Act S. 2292 The Bank on Students Emergency Loan Refinancing Act S. 2107 The Simplifying Access To Student Loan Information Act of 2014 S. 1969 The College Affordability and Innovation Act of 2014 S. 1904 The Higher Education Reform and Opportunity Act of 2013 H.R. 4897 The Transparency in Education Act H.R. 4883 The Strengthening Transparency in Higher Education Act H.R. 4982 The Simplifying the Application for Student Aid Act

Client expense: Not reported · Firm income: $80,000

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

Workforce H.R. 803 Supporting Knowledge and Investing in Lifelong Skills Act Student Loan Interest Rates H.R. 1911 Bipartisan Student Loan Certainty Act S. 1339 Bipartisan Student Loan Certainty Act S. 953 Student Loan Affordability Act S. 1003 Comprehensive Student Loan Protection Act Regulatory Burden H.R. 1949 Improving Postsecondary Education Data for Students Act Authorizing Amendments in Appropriations Bills S. 1284 Department of Labor, Health and Human Services, and Education and Related Agencies Appropriations Act, 2014 S. 1429 Department of Defense Appropriations Act, 2014 S.???? The Higher Education Affordability Act S. ???? The Financial Aid Simplification and Transparency Act S. 2432 The Bank on Students Emergency Loan Refinancing Act S. 2385 The Protecting Aid for Students Act S. 2292 The Bank on Students Emergency Loan Refinancing Act S. 2107 The Simplifying Access To Student Loan Information Act of 2014 S. 1969 The College Affordability and Innovation Act of 2014 S. 1904 The Higher Education Reform and Opportunity Act of 2013 H.R. 4897 The Transparency in Education Act H.R. 4883 The Strengthening Transparency in Higher Education Act H.R. 4982 The Simplifying the Application for Student Aid Act

Client expense: Not reported · Firm income: Not reported

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

Workforce H.R. 803 Supporting Knowledge and Investing in Lifelong Skills Act Student Loan Interest Rates H.R. 1911 Bipartisan Student Loan Certainty Act S. 1339 Bipartisan Student Loan Certainty Act S. 953 Student Loan Affordability Act S. 1003 Comprehensive Student Loan Protection Act Regulatory Burden H.R. 1949 Improving Postsecondary Education Data for Students Act Authorizing Amendments in Appropriations Bills S. 1284 Department of Labor, Health and Human Services, and Education and Related Agencies Appropriations Act, 2014 S. 1429 Department of Defense Appropriations Act, 2014 S.???? The Higher Education Affordability Act S. ???? The Financial Aid Simplification and Transparency Act S. 2432 The Bank on Students Emergency Loan Refinancing Act S. 2385 The Protecting Aid for Students Act S. 2292 The Bank on Students Emergency Loan Refinancing Act S. 2107 The Simplifying Access To Student Loan Information Act of 2014 S. 1969 The College Affordability and Innovation Act of 2014 S. 1904 The Higher Education Reform and Opportunity Act of 2013 H.R. 4897 The Transparency in Education Act H.R. 4883 The Strengthening Transparency in Higher Education Act H.R. 4982 The Simplifying the Application for Student Aid Act

Client expense: Not reported · Firm income: $10,000

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

Senate Higher Education Affordability Act and Financial Aid Simplification and Transparency (FAST) Act(Draft legislation to reauthorize the Higher Education Act). S 406: Students First Act of 2013, A bill to amend the Higher Education Act of 1965 to provide for new program review requirements. (ALL) HR3230: Veterans' Access to Care through Choice, Accountability, and Transparency Act of 2014 Official Title: To improve the access of veterans to medical services from the Department of Veterans Affairs, and for other purposes(provisions that require courses of education provided by public institutions of higher education that are approved for purposes of the educational assistance programs administered by the Secretary of Veterans Affairs to charge veterans tuition and fees at the in-State tuition rate). S 915 and HR 1937: Student Right to Know Before you Go Act 2013: A bill to amend the Higher Education Act of 1965 to update reporting requirements for institutions of higher education and provide for more accurate and complete data to student retention, graduation and earnings outcomes at all levels of postsecondary education(ALL). HR 1991: To require the Secretary of Education to verify that individuals have made a commitment to serve in the Armed Forces or in public service, or otherwise are a borrower on an eligible loan which has been submitted to a guaranty agency for default aversion or is already in default, before such individuals obtain a consolidation loan for purposes specified under section 455(o) of the Higher Education Act of 1965(ALL). H.R.1529 Student Aid Expansion Act of 2013 Official Title: To amend the Higher Education Act of 1965 to exempt certain State-provided loan programs from being subject to preferred lender arrangement requirements. H.R.1928 Proprietary Institution of Higher Education Accountability Act Official Title: To clarify the calculation of cohort default rates for proprietary institutions of higher education under the Higher Education Act of 1965. HR. 2903: National Collegiate Athletics Accountability Act: A bill to amend section 487(a) of the Higher Education Act of 1965 to provide increased accountability of nonprofit athletic associations, and for other purposes(ALL) S2692 and HR 5354: Campus Accountability and Safety Act Official Title: A bill to amend the Higher Education Act of 1965 and the Jeanne Clery Disclosure of Campus Security Policy and Campus Crime Statistics Act to combat campus sexual violence, and for other purposes(ALL). HR 4983: Strengthening Transparency in Higher Education Act Official Title: To simplify and streamline the information regarding institutions of higher education made publicly available by the Secretary of Education, and for other purposes. HR 3136 Advancing Competency-Based Education Demonstration Project Act of 2013 Official Title: To establish a demonstration program for competency-based education. HR4984: Empowering Students Through Enhanced Financial Counseling Act Official Title: To amend the loan counseling requirements under the Higher Education Act of 1965, and for other purposes. S2432: Bank on Students Emergency Loan Refinancing Act Official Title: A bill to amend the Higher Education Act of 1965 to provide for the refinancing of certain Federal student loans, and for other purposes.

Client expense: $80,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Submitted commentary to the White House re Gainful Employment regulations H.R. 4983, the Strengthening Transparency in Higher Education Act H.R. 5134, To extend the National Advisory Committee on Institutional Quality and Integrity and the Advisory Committee on Student Financial Assistance for one year H.R. 3136, the Advancing Competency-Based Education Demonstration Project Act H.R. 4984, the Empowering Students through Enhanced Financial Counseling Act S. 1086, the Child Care and Development Block Grant Act of 2014 S. 2432, the Bank on Students Emergency Loan Refinancing Act H.R. 5001, the CORE Act S. 2880, the I Teach Act H.R. 5612, the Tackling Excessive Standardized Testing Act S. 2849, the Diploma Act H.R. 5186, The Homeless Children and Youth Act S. 2790, the IDEA Fairness Restoration Act S. 2789, the IDEA Full Funding Act Master Teacher Corps Act (draft) S. 1596/H.R. 2083 Protecting Students from Sexual and Violent Predators Act S. 1043/H.R. 5219 English Learning and Innovation Act S. 2795 Career and Technical Education Opportunity Act S. 2796 Working Student Act S. 2753 Increasing Student Achievement by Increasing Student Support Act S. 2860 Fast Track to College Act All Items Pertaining to ESEA Discussions surrounding School Improvement Grants with Dept. of Education Discussions surrounding Community Schools Discussions surrounding Charter Schools, specifically in Washington, D.C. Discussions surrounding School discipline and suspensions Discussions surrounding Private school vouchers Discussions surrounding Standardized testing/role of testing in school accountability

Client expense: $337,382 · Firm income: Not reported

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

S 2432 - The Bank on Students Emergency Loan Refinancing Act S 1086 - Child Care and Development Block Grant reauthorization, background checks S 1697, HR 3641 - Strong Start for America's Children Act - to reauthorize pre-K and Child Care and Early Head Start partnerships Background Check bill for School Employees

Client expense: $550,000 · Firm income: Not reported

Government targets: Council of Economic Advisers (CEA), HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR), White House Office

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

Government targets: Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, HOUSE OF REPRESENTATIVES, Natl Oceanic & Atmospheric Administration (NOAA), Natl Science Foundation (NSF), Office of Management & Budget (OMB), Office of Science & Technology Policy (OSTP), SENATE, U.S. Geological Survey (USGS)

Reauthorization of the Higher Education Act, Perkins loan program, Clery Act, Earnings Contingent Education Loans Act (H.R. 1716), Comprehensive Veterans Heath and Benefits and Military Pay Restoration Act (HR 357, S. 1982) expands Veterans health care, education benefits, Tyler Clementi Higher Education Anti-Harassment Act (S. 2164), Collegiate Sports Injury Bill, Affordable College Textbook Act (H.R. 3538), Bank on Students Emergency Loan Refinancing Act (S.2432),College Accountability and Safety Act (HR 5354/S2692), NCAA Transparency Act

Client expense: $90,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, Health Resources & Services Administration (HRSA), Natl Institutes of Health (NIH), SENATE

H.R. 4923, the Energy and Water Development Appropriations Act for Fiscal Year 2015- support. H.R. 5213, Simplifying Technical Aspects Regarding Seasonality (STARS) Act of 2014 support. H.R. 4457, the Americas Small Business Tax Relief Act of 2014 support.H.R. 3522, the Employee Health Plan Protection Act of 2013 support. H.R. 2, the American Energy Solutions for Lower Costs and More American Jobs Act support. H.R. 4, the Jobs for America Act support. H.R. 5078, the Waters of the United States Regulatory Overreach Protection Act of 2014 support. H.R. 4302, Protecting Access to Medicare Act of 2014 support. H.R. 2995, the Unnecessary Cap Act of 2013 support. H.R. 2575, the Save American Workers Act of 2013 support. H.R. 3367, the Small Business and Family Relief Act support. H.R. 763, the Jobs and Premium Protection Act support. H.R. 903, the American Job Protection Act support. H.R. 2542, the Regulatory Flexibility Improvements Act support. H.Res 359, expressing the sense of the House of Representatives that tax reform should jointly address corporate and pass-through entities in a fiscally responsible manner, and that reform should reduce the current tax rate differences between corporate and pass-through entities while maintaining adequate forms of organization for businesses support. H.R. 947, Small Business Accounting and Tax Simplification Act support. H.R. 1406, the Working Families Flexibility Act of 2013 support. H.R. 436, Government Neutrality in Contracting Act - support. H.R. 1120, the Preventing Greater Uncertainty in Labor- Management Relations Act support. H.R. 2429, Death Tax Repeal Act of 2013 support. H.R. 2728, Protecting States Rights to Promote American Energy Security Act support. H.R. 2655, Lawsuit Abuse Reduction Act support. S. 2881, Simplifying Technical Aspects Regarding Seasonality (STARS) Act of 2014 support. S. 2496, the Protecting Water and Property Rights Act of 2014 support. S. 2569, the Bring Jobs Home Act support. S. 2223, the Minimum Wage Fairness Act oppose. S. 2199, originally introduced as S. 84, the Paycheck Fairness Act oppose. S. 2432, the Bank on Students Emergency Loan Refinancing Act oppose. S.Amdt.1871, to S. 1392, the Energy Savings and Industrial Competitiveness Act of 2013 support. S. 399, the American Job Protection Act support. S. 603, the Jobs and Premium Protection Act support. S. 1188, Forty Hours is Full Time Act support. S. 2199, Paycheck Fairness Act oppose. S. 1085, Small Business Tax Certainty and Growth Act of 2013 support. S. 109, Government Neutrality in Contracting Act support. S. 1138, Death Tax Repeal Act of 2013 support. S. 1737, Fair Minimum Wage Act oppose. S. 1658, Start-up Jobs and Innovation Act support. S. 1488, a bill to delay the application of the individual health insurance mandate, to delay the application of the employer health insurance mandate, and for other purposes -support. Unemployment Insurance letter opposing FUTA Tax Increase to House and Senate Budget Committee conferees.Hearings - Statement for the Record, House Committee on Small Business, Cash Accounting: A Simpler Method for Small Firms? July 10, 2014. House Small Business Committee, Subcommittee on Health and Technology, An Update on the Small Business Health Options Program: Is It Working for Small Businesses? (met with Committee staff on the issue) September 18, 2014. Comments - Food and Drug Administration, Deeming Tobacco Products To Be Subject to the Federal Food, Drug, and Cosmetic Act, as Amended by the Family Smoking Prevention and Tobacco Control Act; Regulations on the Sale and Distribution of Tobacco Products and Required Warning Statements for Tobacco Products. (July 25, 2014) Environmental Protection Agency, Docket ID No. EPA-HQ-OPPT-2010-0173, Advance Notice of Proposed Rulemaking; Lead; Framework for Identifying and Evaluating Lead Based Paint Hazards From Renovation, Repair, and Painting Activities in Public and Commercial Buildings. (September 22, 2014) U.S. Department of Labor, Proposed regulations implementing Executive Order 13658, Establishing a Minimum Wage for Contractors, 79 Fed. Reg. 34568, (June 17, 2014) Environmental Protection Agency, Docket ID No. EPA-HQ-OPPT-2013-0715; Information Collection Request Submitted to OMB for Review and Approval; Survey of the Public and Commercial Building Industry. (August 27, 2014) Environmental Protection Agency, Docket ID No. EPA-HQ-OPPT-2010-0173; Approach for Estimating Exposures and Incremental Health Effects From Lead Due to Renovation, Repair, and Painting Activities in Public and Commercial Buildings. Other Issues - Tax Reform Tax Extenders DOL overtime regulation Biennial budget Entitlement reform Immigration reform, E-Verify, H2B visas Retirement Issues Keystone XL Project Employer nondiscrimination in PPACA Minimum wage Unemployment insurance Transitional policy on nonqualified plans in PPACA OSHA proposed rule on respirable crystalline silica OSHA proposed rule on electronic reporting EPA/Army Corps of Engineers proposed rule on definition of waters of the United States EPA proposed rule on greenhouse gases emissions from power plants OSHA enforcement DOT Definition of Commercial Motor Vehicle Regulatory reform Overtime Export Import Bank Medicare Part D H.R. 4304, the Jumpstarting Opportunities with Bold Solutions Act H.R. 1772, the Legal Workforce Act

Client expense: $717,000 · Firm income: Not reported

Government targets: Army, Dept of (Corps of Engineers), Centers For Medicare and Medicaid Services (CMS), Energy, Dept of, Environmental Protection Agency (EPA), Executive Office of the President (EOP), Federal Motor Carrier Safety Administration, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), Occupational Safety & Health Administration (OSHA), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of

HR 4 Jobs for America Act HR 4129 Youth Savings Accounts Act of 2014 HR 4453 S Corporation Permanent Tax Relief Act HR 5199 Municipal Bond Market Support Act of 2014S 2260 EXPIRE Act (Expiring Provisions Improvement Reform and Efficiency Act) S 2432 Buffett Tax/Bank on Students Emergency Loan Refinancing Act S 2892 401 (Kids) Education Savings Account Act of 2014 Bank Qualified Bonds Credit Union Tax Exemption Payroll Taxes on S-Corporations and Partnerships S Corp Reforms for Community Banks Subchapter S Modernization Tax on Financial Institutions Tax Reform Act of 2014 (Discussion Draft) Tax Reform Impact on Business/S Corp. Banks Tax Reform/Tax Rates

Client expense: $880,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA)

S 2432 Bank on Students Emergency Loan Refinancing Act (all sections of full text) S 1066 Federal Student Loan Refinancing Act (all sections of full text)

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

WIA All Students Count Act Appropriations FY 2015 Background checks Checking on Floor Calendar Child Nutrition Child nutrition hearing College Affordability College Affordability, Minimum Wage Congressional Black Caucus early childhood education Early Childhood Education/Head Start Educating tomorrow's engineers Education Education generally education legislation Education legislation, ESEA Education policy Education, labor, immigration Education, NEA relationship Education, tenure Education, Vegara Educator Background Checks Equity E-rate ESEA ESEA, HEA ESEA, HEA ESEA/General Issues/Conversation FEA issue on DOD schools FEA letter Federal Employee Association Federal Testing Federal Testing, E-Rate FY15 LHHS Appropriations gainful employment General education meeting Grade Span Testing Gradespan testing HR 4172 Green schools/child nutrition H.R. 1716 H.R. 2426 H.R. 3136 H.R. 4172 H.R. 4826 H.R. 4983 H.R. 4984 H.R. 5186, Homeless Children and Youth Act H.R. 5259: Investing for Tomorrow's Schools Act H.R. 5259: Investing for Tomorrow's Schools Act H.R. 5343 H.R. 803:Workforce Innovation and Opportunity Act H.R.4172 : Student Testing Improvement and Accountability Act H.R.4949: New American Success Act of 2014 H.R.5259: Investing for Tomorrow's Schools Act of 2014 HBCUs Higher Education Act higher education approps Homeless children IDEA IDEA high cost funds Introduced myself as HEA lobbyist lame duck calendar parent plus loans Reaching out on invite on NEA leadership event Reaching out on invite to Barrow for LEG event S. 1086 S. 1596, Protecting Students from Sexual and Violent Predators S. 2432 S. 2792 S. 2796 School Construction School Infrastructure setting up meeting for Alexis Ploss STEM Student lending issues student loans Teacher Quality Teacher Quality/Professional Development / Prep Teacher Retention Teletown Hall Testing Upton stance on charter schools Vergara ruling

Client expense: $594,394 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Education, Dept of, Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, SENATE, White House Office

Higher Education Act Reauthorization S.2292/S.2432/ H.R. 4582 - Bank on Students Emergency Loan Refinancing Act S. 1873, Protect Student Borrowers Act of 2013 STEM Education Issues Graduate Education Issues

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

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

H.R. 4982Simplifying the Application for Student Aid Act H.R. 5Student Success Act H.R. 5298Student Job Protection Act of 2014 H.R. 5572A bill to provide consumer protections for students H.R. 5577A bill to amend the HEA of 1965 to eliminate origination fees for Federal Direct Loans H.R. 5590A bill to amend the HEA of 1965 to allow the Secretary of Education to award Early College Federal Pell Grants H.R. 5674The College Affordability and Innovation Act of 2014 H.R. 803Workforce Innovation and Opportunity Act H.R. 933Consolidated and Further Continuing Appropriations Act of 2013 S. 1468/H.R. 2996Revitalize American Manufacturing and Innovation Act of 2013 S. 1659/H.R. 3496POST Act of 2013 S. 1704/H.R. 3538Affordable College Textbook Act S. 1709American Manufacturing Competitiveness Act of 2013 S. 1720Patent Transparency and Improvements Act of 2013 S. 1754Higher Education Access and Success For Homeless and Foster Youth Act S. 1777Innovate America Act S. 1911SKILLS Act S. 1969College Affordability and Innovation Act of 2014 S. 2060/H.R. 3505TEACH Act S. 2194/H.R. 4373Pell Grant Protection Act S. 2230/H.R. 4436Investing in Student Success Act of 2014 S. 2281Net Price Calculator Improvement Act S. 2340Simplifying Financial Aid for Students Act of 2014 S. 2374/H.R. 4902Creating Higher Education Affordability Necessary to Compete Economically Act S. 2385Protecting Aid for Students Act of 2014 S. 2403Leverage Prior Skills Act S. 2432/H.R. 4579Bank on Students Emergency Loan Refinancing Act S. 2471Medical Bankruptcy Fairness Act of 2014 S. 2584Education Tomorrow's Workforce Act of 2014 S. 2789IDEA Full Funding Act of 2014 S. 2790IDEA Fairness Restoration Act of 2014 S. 2867A bill to amend the HEA of 1965 to provide for the preparation of career and technical education teachers S. 2898A bill to provide consumer protections for students S. 689Mental Health Awareness and Improvement Act of 2013

Client expense: Not reported · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Education, Dept of

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

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 S. 673 Support Rich Cordray as Director of CFPB.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 H. R. 1077 / S. 949. 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). Oppose H.R. 3211. Urge 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. 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 S. 1150 / H.R. 3097, legislation to posthumously award a congressional gold medal to Judge Constance Baker Motley. 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 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 an FHFA reversal of the GSE policy on principal reduction. 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 HR 5130. 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 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

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 S. 673 Support Rich Cordray as Director of CFPB.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 H. R. 1077 / S. 949. 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). Oppose H.R. 3211. Urge 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. 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 S. 1150 / H.R. 3097, legislation to posthumously award a congressional gold medal to Judge Constance Baker Motley. 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 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 an FHFA reversal of the GSE policy on principal reduction. 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 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

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 S. 673 Support Rich Cordray as Director of CFPB.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 H. R. 1077 / S. 949. 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). Oppose H.R. 3211. Urge 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. 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 S. 1150 / H.R. 3097, legislation to posthumously award a congressional gold medal to Judge Constance Baker Motley. 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 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 an FHFA reversal of the GSE policy on principal reduction. 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 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

Draft Higher Education Act Re-authorization Draft Financial Aid Simplification and Transparency Act (FAST Act) S.2432, Bank on Students Emergency Loan Refinancing Act S.1969, College Affordability and Innovation Act of 2014 Proposed Institutional Rating System First in the World

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

Government targets: Commerce, Dept of (DOC), Education, Dept of, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Natl Institutes of Health (NIH), SENATE, White House Office