Student Loan Affordability Act

H.R. 3612/S. 113, Know Before You Owe Private Student Loan Act, entire bill. S. 1156, Understanding the True Cost of College Act, entire bill.S. 953, Student Loan Affordability Act of 2013, entire bill. S. 1003, Comprehensive Student Loan Protection Act, entire bill. S. 1241, Bipartisan Student Loan Certainty Act, entire bill. H.R. 2637, Supporting Academic Freedom through Regulatory Relief Act, entire bill. S. 1334, Bipartisan Student Loan Certainty Act, entire bill. H.R. 3136, Advancing Competency-Based Education Demonstration Project Act, 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. S. 2692/H.R. 5354. Campus Accountibility and Safety Act, entire bill. S. 2954, Higher Education Affordability Act, entire bill.

Client expense: $132,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Retirement Security as in the following bills: S606 - Shrinking Emergency Account Losses Act of 2013 (SEAL Act) HR2117 - Retirement Plan Simplification and Enhancement Act of 2013 HR2035 - Automatic IRA Act of 2013 S1270 - Secure Annuities for Employee (SAFE) Retirement Act of 2013 S1970 - Retirement Security Act of 2014 S1979 - USA Retirement Funds Act of 2014 HR5875 - Small Businesses Add Value for Employees (SAVE) Act of 2014 DOL & SEC Fiduciary Proposals (DOL Fiduciary Definition Regulation/SEC Project to Harmonize Broker-Dealer Fiduciary Standards) as in the following bill: HR2374 - Retail Investor Protection Act Providing Lifetime Income Illustrations on Retirement Benefit Statements Tax Benefits of Defined Contribution Plans Defined Contribution Retirement Plan Design Fiduciary Concerns Related to Advice and Education in Retirement Plans Stretch IRA as in the following bills: S953 - Reed-Harkin Student Loan Affordability Act of 2013 Preserving Americas Transit and Highways Act of 2014 (Chairmans Mark) Lifetime Income Disclosure as in the following bills: HR2171/S1145 - Lifetime Income Disclosure Act of 2013 Retirement Plan Consolidation Tax Reform as it relates to retirement plans Qualified Default Investment Alternatives

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

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC)

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

Proposals related to expansion of SIMPLE IRAs, establishment of discretionary payroll deduction IRAs and creation of new qualified retirement plans for small business. Proposals relating to defined benefit plan funding. Issues related to regulations addressing liability for partial termination of defined benefit plans. Issues related to tax incentives for retirement savings and DOL fee disclosure proposals. H.R. 2117, Retirement Plan Simplification Act.Retirement recommendations contained in the final report of the National Commission on Fiscal Responsibility and Reform. Proposals related to stemming leakage from retirement plans through reform of plan loan rules. Proposals related to stable value investment offerings in defined contribution plans. Proposals related to phased retirement. Proposals to increase PBGC premiums. Proposals related to retirement target date funds. Issues related to the Department of Labor's proposed regulation defining fiduciary for investment advice purposes. Proposals and regulations related to cash balance, pension equity, and other hybrid pension plans. Issues related to PBGC collections and PBGC disclosure issues. Proposals related to electronic disclosure of information under ERISA. Proposals regarding compliance of retirement plans. FASB pension accounting. S. 1979, USA Retirement Act. Issues related to use of brokerage windows in defined contribution plans. Proposals to reform the multiple employer plan rules. Proposals to modify required minimum distribution rules. Proposals that would modify limits on retirement plan contributions. S. 1270, SAFE Retirement Act. Proposals related to stretch IRAs, including S. 953, The Student Loan Affordability Act. S. 1970, Retirement Security Act. Retirement provisions in the President's FY 2015 budget. Issues related to access to death master file. S. 2540, Patriot Employee Tax Credit Act. H. R. 5021, Highway and Transportation Funding Act. S. 2855, Retirement Security Preservation Act. H. R. 5381, to amend the nondiscrimination provisions to protect older, longer service employees. Issues related to government issued mortality tables. H.R. 83, Consolidated and Further Continuing Appropriations Act. H.R. 5771, Tax Increase Prevention Act.

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

Government targets: HOUSE OF REPRESENTATIVES, Pension Benefit Guaranty Corporation (PBGC), SENATE, Treasury, Dept of

Proposals to expand retirement coverage, including proposals to mandate payroll deduction IRAs (not yet in legislative form) Obama Administration's proposals to limit contributions to retirement accounts (not yet in legislative form) Proposals regarding annuitization of assets from defined contribution plans (not yet in legislative form) Congressional activity surrounding the Department of Labor's proposed regulation to redefine "fiduciary" not yet in legislative form) S 676-"Identity Theft & Tax Fraud Prevention Act" Death Master File S Con Res 12-"Concurrent resolution expressing the sense of the Congress that our current tax incentives for retirement savings provide important benefits to Anericans to help plan for a financially secure retirement"-Expresses sense of the Congress regarding tax incentives for retirement savings S 953-"Student Loan Affordability Act"-Specifically the requirement to accelerate required minimum distribution from inherited IRA's and 401(k)-type of accounts used to offset the cost of lower student loan interest rates USA Retirement Funds-Not yet introduced, a plan to createa new typeof privately-run retirement plan HR 2374-"Retail Investor Protection Act"-addresses the timing of the release of the Department of Labor's re-proposal and definition of fiduciary and provides guidance to the SEC on its own proposal SEC Municipal Advisors Rule- clarifying the definitions of "municipal advisor" and "investment Strategies" Updates to 408(b)(2) Fee Disclosure-will provide a more uniform manner for disclosing information to plan sponsors Plan Consolidation- (no bill) Auto IRA Program-for employers not offering a retirement plan with no mandate (not yet introduced) HR 1534-Small Business Add Value for Employees (SAVE) Act of 2013 HR 837-Saving for American Families' Future Act of 2013 HR 2171/S 1145-Lifetime Income Disclosure Act of 2013 HR 2374-Retail Investor Protection Act of 2013 S 1970-Retirement Act of 2014 S 1979-HARKIN RETIREMENT USA Preserving America's Transit and Highways Act of 2014 (Path Act) (no bill number yet) HR 4634-To amend the Internal Revenue Code of 1986 to allow Federal law enforcement officers and firefighters to make penalty-free withdrawals from government plans after age 50 Security Through Retirement Act- (Senator Cantwell's) (not yet introduced) -legislation encouraging the purchase & a guaranteed lifetime income product, like an anuity USAccounts-(not yet introduced) (Rep. Crowley)-legislation for child savings accounts SPUR Accounts- (not yet introduced) (Rep. Crowley)- legislation to create a new retirement account for employees HR 5875 Small Businesses Add Value for Employees (SAVE) Act-to amend the Internal Revenue Code of 1986 to encorage retirement savings by modifying requirements with respect to employer-established IRAs, and for other purposes

Client expense: $860,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Postal Service (USPS)

Implementation issues related to the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); H.R.701, To amend a provision of the Securities Act of 1933 directing the Securities and Exchange Commission to add a particular class of securities to those exempted under such Act to provide a deadline for such action; H.R.801, Holding Company Registration Threshold Equalization Act of 2014; H.R.1341, Financial Competitive Act of 2013;H.R.634, Business Risk Mitigation and Price Stabilization Act of 2013; H.R.677, Inter-Affiliate Swap Clarification Act; H.R.992, Swaps Regulatory Improvement Act; H.R.1256, Swap Jurisdiction Certainty Act; S.1003, A bill to amend the Higher Education Act of 1965 to reset interest rates for new student loans; S.953, Student Loan Affordability Act; H.R.1979/S.897, Bank on Students Loan Fairness Act; H.R.1911, Smarter Solutions for Students Act; S.798, TBTF Act (Terminating Bailouts for Taxpayer Fairness Act of 2013); H.R.4167, Restoring Proven Financing for American Employers Act; H.R.4200, SBIC Advisers Relief Act; H.R.4554, Restricted Securities Relief Act; H.R.4568, Small Business Freedom to Grow Act; H.R.4571, To direct the Securities and Exchange Commission to revise its rules so as to increase the threshold amount for requiring issuers to provide certain disclosures relating to compensatory benefit plans; H.R.4569, Disclosure Modernization and Simplification Act; H.R.4570, Private Placement Improvement Act; H.R.4565, Startup Capital Modernization Act; H.R.2673, Portfolio Lending and Mortgage Access Act; H.R.4466, Financial Regulatory Clarity Act; H.R.4881, a bill to place a 6-month moratorium on the authority of the Financial Stability Oversight Council to make financial stability determinations; H.R.4387, the FSOC Transparency and Accountability Act; H.R.5461, To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes; financial services issues.

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

Government targets: Commodity Futures Trading Commission (CFTC), HOUSE OF REPRESENTATIVES, SENATE

Issues related to IRA and pension reform; S. 1270, S. 953, S. 1003, H.R. 2117, H.R. 4719, H.R. 83, S. 1970. Issues related to investment advice made in connection with retirement products; S. 2374. Issues related to retirement benefits of companies declaring bankruptcy or minimizing operations; S. 2418, S. 2511. Issues related to individuals and businesses investing in retirement vehicles, plan funding limits, participation and disclosure rules, exemptions, employer and plan sponsor duties and safe harbors.

Client expense: $708,090 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

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

FY15 appropriations to NASA (H.R. 4660: H. Rept. 113-448; S. 2437; S. Rept. 113-181) for funding to support early childhood math and science education programs and greater enrollment in STEM programs. FY15 appropriations to Dept. of Education for support to increase the participation of minorities in teaching and the leadership of education; early language and literacy education, student financial aid, TRIO Programs, Teacher Quality Partnership Grants, professional development for teachers, STEM programs, and FIPSE. Higher Education Act rules related to state authorization, credit hour definitions, and gainful employment. Reauthorization of the Elementary and Secondary Education Act ["Strengthening America's Schools Act S. 1094"; "Student Success Act" H.R. 5]; math and science education partnership programs, physical education programs; increased funding for early childhood education; parent education/involvement programs. Literacy Education, Teacher & Leader Effectiveness (S. 1063 and H.R. 2173), reform of teacher education preparation programs; programs to develop a more diverse teacher and educational leader workforce; funding support to promote school writing (National Writing Program). Student loan interest rates (H.R. 11 "Smart Solutions Act," S. 1003 and S. 953); S. 689: Mental Health Awareness Act and H.R. 1854 - Program to increase school counselors; S. 915: Student Right to Know Before you Go Act - re transparency in reporting requirements. S. 1052 and H.R. 2196: GREAT Teachers and Principal Act - regarding establishment of academies to prepare teachers and principals; teacher evaluation; Implications of Title II of the Higher Education Act on teacher preparation programs; teacher performance assessment; TEACH Act; regulations for administration of student loans. Reauthorization of the Higher Education Act: The Higher Education Affordability Act (Senate) and Student Services Act (H.R. 5). S. 1156 Understanding the True Cost, College Act re elements of financial aid forms; S. 1086 Child Care State Grant Reauthorization re inclusion of indoor and outdoor educational environments; federal reporting requirements for higher education: The Improving Post-Secondary Data for Students Act (H.R. 1949). S. 1062 Education Preparation programs and Assessment; reading recovery program support; college scorecards, evaluation and ranking of teacher education programs, proposals to tie title IV aid to completion rates of Pell students; H.R. 2775. President's college rating proposals on affordability and completion. S. 2164 "Tyler Clemente Higher Education Anti-Harassment Act of 2014; college completion initiatives including credit for life experience, transfer credit acceptance, and common course numbers; S. 546 Smarter Borrowing Act; financial literacy initiatives; H.R. 4982 "Simplifying the Application for Student Aid Act;" H.R. 4983 "Strengthening Transparency in Higher Education Act;" H.R. 4984 "Empowering Students through Financial Aid Counseling Aid Act;" promotion of online and competency based learning; rural education support; "The Financial Aid Simplification and Transparency Act." Campus Accountability and Safety Act (H.R. 5354, S. 2692) re addressing and preventing sexual assault on campus. H.J. Res 124 - Continuing Appropriation Resolution, 2014, Public Law No: 113-164. H.J.Res. 130 - FY2015 Continuing Resolution (public Law 113-202); H.J.Res. 131 - Further Continuing Appropriations (public law 113-203); H.R. 83 - FY2015 Omnibus; Consolidated and Further Continuing Appropriations Act (Public Law 113-235). Department of Education Proposed Teacher Education Rules; Department of Education College Ratings.

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

Government targets: Agriculture, Dept of (USDA), Education, Dept of, HOUSE OF REPRESENTATIVES, Office of Management & Budget (OMB), SENATE, Veterans Affairs, Dept of (VA)

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

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

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

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

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

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

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

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

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

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

Proposals to expand retirement coverage, including proposals to mandate payroll deduction IRAs (not yet in legislative form) Obama Administration's proposals to limit contributions to retirement accounts (not yet in legislative form) Proposals regarding annuitization of assets from defined contribution plans (not yet in legislative form) Congressional activity surrounding the Department of Labor's proposed regulation to redefine "fiduciary" (not yet in legislative form) S 676-"Identity Theft & Tax Fraud Prevention Act" Death Master File limitations S. Con. Res. 12-"Concurrent resolution expressing the sense of the Congress that our current tax incentives for retirement savings provide important benefits to Americans to help plan for a finanacially secure retirement"- Expresses sense of the Congress regarding tax incentives for retirement savings S 953-"Student Loan Affordability Act"-Specifically the requirement to accelerate required minimum distribution from inherited IRA's and 401(k)-type of accounts used to offset the cost of lower student loan interest rates USA Retirement Funds-Not yet introduced, a plan to create a new type of privately-run retirement plan HR 2374-"Retail Investor Protection Act"-addresses the timing of the release of the Department of Labor's re-proposal and definition of fiduciary and provides guidance to the SEC on its own proposal SEC Municipal Advisors Rule-rule clarifying the definitions of "municipal adavisor" and "investment strategies" Updates to 408(b)(2) Fee Disclosure-will provide a more uniform manner for disclosing information to plan sponsors Plan Consolidation - (no bill) Auto IRA Program-for employers not offering a retirement plan with no mandate (not yet introduced) HR 1534-Small Business Add Value for Employees (SAVE) Act of 2013 HR 837-Saving for American Families' Future Act of 2013 HR 2171/S 1145-Lifetime Income Disclosure Act of 2013 HR 2374-Retail Investor Protection Act of 2013 S 1970-Retirement Act of 2014 S 1979-HARKIN RETIREMENT USA Preserving America's Transit and Highways Act of 2014 (Path Act) (no bill number yet) HR 4634-To amend the Internal Revenue Code of 1986 to allow Federal law enforcement officers and firefighters to make penalty-free withdrawals from government plans after age 50 Security Through Retirement Act - (Senator Cantwell's) (not yet introduced)-legislation encouraging the purchase & a guaranteed lifetime income product, like an annuity USAccounts- (not yet introduced) (Rep. Crowley)- legislation for child savings accounts SPUR Accounts- (not yet introduced) (Rep. Crowley) - legislation to create a new retirement aaccount for employees

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Postal Service (USPS)

H.R. 3612/S. 113, Know Before You Owe Private Student Loan Act, entire bill. S. 1156, Understanding the True Cost of College Act, entire bill.S. 953, Student Loan Affordability Act of 2013, entire bill. S. 1003, Comprehensive Student Loan Protection Act, entire bill. S. 1241, Bipartisan Student Loan Certainty Act, entire bill. H.R. 2637, Supporting Academic Freedom through Regulatory Relief Act, entire bill. S. 1334, Bipartisan Student Loan Certainty Act, entire bill. H.R. 3136, Advancing Competency-Based Education Demonstration Project Act, 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. S. 2692/H.R. 5354. Campus Accountibility and Safety Act, entire bill.

Client expense: $175,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), HOUSE OF REPRESENTATIVES, SENATE

Legislative and regulatory issues affecting the financial services industry and issues relating to the Consumer Financial Protection Bureau; Implementation of Title X of Dodd-Frank Act; H.R. 1911, Smarter Solutions for Students Act; S. 953, Student Loan Affordability Act; S. 1897, Personal Data Privacy and Security Act of 2014.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Retirement Security as in the following bills: S606 - Shrinking Emergency Account Losses Act of 2013 (SEAL Act) HR2117 - Retirement Plan Simplification and Enhancement Act of 2013 HR2035 - Automatic IRA Act of 2013Retirement Security as in the following bills: [continued] S1270 - Secure Annuities for Employee (SAFE) Retirement Act of 2013 S1970 - Retirement Security Act of 2014 S1979 - USA Retirement Funds Act of 2014 DOL & SEC Fiduciary Proposals (DOL Fiduciary Definition Regulation / SEC Project to Harmonize Broker-Dealer Fiduciary Standards) as in the following bill: HR2374 - Retail Investor Protection Act Providing Lifetime Income Illustrations on Retirement Benefit Statements Tax Benefits of Defined Contribution Plans Defined Contribution Retirement Plan Design Fiduciary Concerns Related to Advice and Education in Retirement Plans Stretch IRA as in the following bills: S953 - Reed-Harkin Student Loan Affordability Act of 2013 Preserving America's Transit and Highways Act of 2014 (Chairman's Mark) Lifetime Income Disclosure as in the following bills: HR2171/S1145 - Lifetime Income Disclosure Act of 2013 Retirement Plan Consolidation Tax Reform as it relates to retirement plans Qualified Default Investment Alternatives

Client expense: $500,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC)

Proposals related to expansion of SIMPLE IRAs, establishment of discretionary payroll deduction IRAs and creation of new qualified retirement plans for small business. Proposals relating to defined benefit plan funding. Issues related to regulations addressing liability for partial termination of defined benefit plans. Issues related to tax incentives for retirement savings and DOL fee disclosure proposals. H.R. 2117, Retirement Plan Simplification Act.Retirement recommendations contained in the final report of the National Commission on Fiscal Responsibility and Reform. Proposals related to stemming leakage from retirement plans through reform of plan loan rules. Proposals related to stable value investment offerings in defined contribution plans. Proposals related to phased retirement. Proposals to increase PBGC premiums. Proposals related to retirement target date funds. Issues related to the Department of Labor's proposed regulation defining fiduciary for investment advice purposes. Proposals and regulations related to cash balance, pension equity, and other hybrid pension plans. Issues related to PBGC collections and PBGC disclosure issues. Proposals related to electronic disclosure of information under ERISA. Proposals regarding compliance of retirement plans. FASB pension accounting. S. 1979, USA Retirement Act. Issues related to use of brokerage windows in defined contribution plans. Proposals to reform the multiple employer plan rules. Proposals to modify required minimum distribution rules. Proposals that would modify limits on retirement plan contributions. S. 1270, SAFE Retirement Act. Proposals related to stretch IRAs, including S. 953, The Student Loan Affordability Act. S. 1970, Retirement Security Act. Retirement provisions in the President's FY 2015 budget. Issues related to access to death master file. S. 2540, Patriot Employee Tax Credit Act. H. R. 5021, Highway and Transportation Funding Act. S. 2855, Retirement Security Preservation Act. H. R. 5381, to amend the nondiscrimination provisions to protect older, longer service employees. Issues related to government issued mortality tables.

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

Government targets: HOUSE OF REPRESENTATIVES, Pension Benefit Guaranty Corporation (PBGC), SENATE, Treasury, Dept of

Issues related to IRA and pension reform; S. 1270, S. 953, S. 1003, H.R. 2117, H.R. 4719. Issues related to investment advice made in connection with retirement products; S. 2374. Issues related to retirement benefits of companies delcaring bankruptcy or minimizing operations; S. 2418, S. 2511. Issues related to individuals and businesses investing in retirement vehicles, plan funding limits, participation and disclosure rules, exemptions, employer and plan sponsor duties and safe harbors.

Client expense: $698,190 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Implementation issues related to the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); H.R.701, To amend a provision of the Securities Act of 1933 directing the Securities and Exchange Commission to add a particular class of securities to those exempted under such Act to provide a deadline for such action; H.R.801, Holding Company Registration Threshold Equalization Act of 2014; H.R.1341, Financial Competitive Act of 2013;H.R.634, Business Risk Mitigation and Price Stabilization Act of 2013; H.R.677, Inter-Affiliate Swap Clarification Act; H.R.992, Swaps Regulatory Improvement Act; H.R.1256, Swap Jurisdiction Certainty Act; S.1003, A bill to amend the Higher Education Act of 1965 to reset interest rates for new student loans; S.953, Student Loan Affordability Act; H.R.1979/S.897, Bank on Students Loan Fairness Act; H.R.1911, Smarter Solutions for Students Act; S.798, TBTF Act (Terminating Bailouts for Taxpayer Fairness Act of 2013); H.R.4167, Restoring Proven Financing for American Employers Act; H.R.4200, SBIC Advisers Relief Act; H.R.4554, Restricted Securities Relief Act; H.R.4568, Small Business Freedom to Grow Act; H.R.4571, To direct the Securities and Exchange Commission to revise its rules so as to increase the threshold amount for requiring issuers to provide certain disclosures relating to compensatory benefit plans; H.R.4569, Disclosure Modernization and Simplification Act; H.R.4570, Private Placement Improvement Act; H.R.4565, Startup Capital Modernization Act; H.R.2673, Portfolio Lending and Mortgage Access Act; H.R.4466, Financial Regulatory Clarity Act; H.R.4881, a bill to place a 6-month moratorium on the authority of the Financial Stability Oversight Council to make financial stability determinations; H.R.4387, the FSOC Transparency and Accountability Act; H.R.5461, To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes; financial services issues.

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

Government targets: Commodity Futures Trading Commission (CFTC), HOUSE OF REPRESENTATIVES, SENATE

Proposals related to the tax treatment of annuities. Proposals to encourage lifetime annuitization. Proposals to amend the required minimum distribution rules to restrict the availability of stretch payments to beneficiaries, including S. 953, the Student Loan Affordability Act. S.1270, SAFE Act, Preserving America's Transit and Highways Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Proposals related to the tax treatment of annuities. Proposals to encourage lifetime annuitization. Proposals to amend the required minimum distribution rules to restrict the availability of stretch payments to beneficiaries, including S. 953, the Student Loan Affordability Act. S.1270, SAFE Act, Preserving America's Transit and Highways Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

FY15 appropriations to NASA (H.R. 4660: H. Rept. 113-448; S. 2437; S. Rept. 113-181) for funding to support early childhood math and science education programs and greater enrollment in STEM programs. FY15 appropriations to Dept. of Education for support to increase the participation of minorities in teaching and the leadership of education; early language and literacy education, student financial aid, TRIO Programs, Teacher Quality Partnership Grants, professional development for teachers, STEM programs, and FIPSE. Higher Education Act rules related to state authorization, credit hour definitions, and gainful employment. Reauthorization of the Elementary and Secondary Education Act ["Strengthening America's Schools Act S. 1094"; "Student Success Act" H.R. 5]; math and science education partnership programs, physical education programs; increased funding for early childhood education; parent education/involvement programs. Literacy Education, Teacher & Leader Effectiveness (S. 1063 and H.R. 2173), reform of teacher education preparation programs; programs to develop a more diverse teacher and educational leader workforce; funding support to promote school writing (National Writing Program). Student loan interest rates (H.R. 11 "Smart Solutions Act," S. 1003 and S. 953); S. 689: Mental Health Awareness Act and H.R. 1854 - Program to increase school counselors; S. 915: Student Right to Know Before you Go Act - re transparency in reporting requirements. S. 1052 and H.R. 2196: GREAT Teachers and Principal Act - regarding establishment of academies to prepare teachers and principals; teacher evaluation; Implications of Title II of the Higher Education Act on teacher preparation programs; teacher performance assessment; TEACH Act; regulations for administration of student loans. Reauthorization of the Higher Education Act: The Higher Education Afforability Act (Senate) and Student Services Act (H.R. 5). S. 1156 Understanding the True Cost, College Act re elements of financial aid forms; S. 1086 Child Care State Grant Reauthorization re inclusion of indoor and outdoor educational environments; federal reporting requirements for higher education: The Improving Post-Secondary Data for Students Act (H.R. 1949). S. 1062 Education Preparation programs and Assessment; reading recovery program support; college scorecards, evaluation and ranking of teacher education programs, proposals to tie title IV aid to completion rates of Pell students; H.R. 2775. President's college rating proposals on affordability and completion. S. 2164 "Tyler Clemente Higher Education Anti-Harassment Act of 2014; college completion initiatives including credit for life experience, transfer credit acceptance, and common course numbers; S. 546 Smarter Borrowing Act; financial literacy initiatives; H.R. 4982 "Simplifying the Application for Student Aid Act;" H.R. 4983 "Strengthening Transparency in Higher Education Act;" H.R. 4984 "Empowering Students through Financial Aid Counseling Aid Act;" promotion of online and competency based learning; rural education support; "The Financial Aid Simplification and Transparency Act." Campus Accountability and Safety Act (H.R. 5354, S. 2692) re addressing and preventing sexual assault on campus. H.J. Res 124 - Continuing Appropriation Resolution, 2014, Public Law No: 113-164.

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

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, SENATE, Veterans Affairs, Dept of (VA)

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

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

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

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

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

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

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

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

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

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

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

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

Issues related to IRA and pension reform; S. 1270, S. 953, S. 1003, H.R. 2117. Issues related to investment advice made in connection with retirement products; S. 2374. Issues related to post-retirement benefits; S. 2418. Issues related to individuals and businesses investing in retirement vehicles, plan funding limits, participation and disclosure rules, exemptions, employer and plan sponsor duties and safe harbors.

Client expense: $698,190 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Workforce H.R. 803 Supporting Knowledge and Investing in Lifelong Skills Act Student Loan Interest Rates H.R. 1911 Bipartisan Student Loan Certainty ActS. 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 - Departments 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: $40,000

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 ActS. 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 - Departments 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

Workforce H.R. 803 Supporting Knowledge and Investing in Lifelong Skills Act Student Loan Interest Rates H.R. 1911 Bipartisan Student Loan Certainty ActS. 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 - Departments 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: $30,000

Government targets: Education, Dept of

Workforce H.R. 803 Supporting Knowledge and Investing in Lifelong Skills Act Student Loan Interest Rates H.R. 1911 Bipartisan Student Loan Certainty ActS. 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 - Departments 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 ActS. 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 - Departments 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: $30,000

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

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

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

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

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

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

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

Proposals related to expansion of SIMPLE IRAs, establishment of discretionary payroll deduction IRAs and creation of new qualified retirement plans for small business. Proposals relating to defined benefit plan funding. Issues related to regulations addressing liability for partial termination of defined benefit plans. Issues related to tax incentives for retirement savings and DOL fee disclosure proposals. H.R. 2117, Retirement Plan Simplification Act.Retirement recommendations contained in the final report of the National Commission on Fiscal Responsibility and Reform. Proposals related to stemming leakage from retirement plans through reform of plan loan rules. Proposals related to stable value investment offerings in defined contribution plans. Proposals related to phased retirement. Proposals to increase PBGC premiums. Proposals related to retirement target date funds. Issues related to the Department of Labor's proposed regulation defining fiduciary for investment advice purposes. Proposals and regulations related to cash balance, pension equity, and other hybrid pension plans. Issues related to PBGC collections and PBGC disclosure issues. Proposals related to electronic disclosure of information under ERISA. Proposals regarding compliance of retirement plans. FASB pension accounting. S. 1979, USA Retirement Act. Issues related to use of brokerage windows in defined contribution plans. Proposals to reform the multiple employer plan rules. Proposals to modify required minimum distribution rules. Proposals that would modify limits on retirement plan contributions. S. 1270, SAFE Retirement Act. Proposals related to stretch IRAs, including S. 953, The Student Loan Affordability Act. S. 1970, Retirement Security Act. Retirement provisions in the President's FY 2015 budget. Issues related to access to death master file. Preserving America's Transit and Highway Act (no bill number). S. 2540, Patriot Employee Tax Credit Act.

Client expense: Not reported · Firm income: $100,000

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Pension Benefit Guaranty Corporation (PBGC), SENATE, Treasury, Dept of

Retirement Security as in the following bills: S606 - Shrinking Emergency Account Losses Act of 2013 (SEAL Act) HR2117 - Retirement Plan Simplification and Enhancement Act of 2013 HR2035 - Automatic IRA Act of 2013Retirement Security as in the following bills: [continued] S1270 - Secure Annuities for Employee (SAFE) Retirement Act of 2013 S1970 - Retirement Security Act of 2014 S1979 - USA Retirement Funds Act of 2014 DOL & SEC Fiduciary Proposals (DOL Fiduciary Definition Regulation / SEC Project to Harmonize Broker-Dealer Fiduciary Standards) as in the following bill: HR2374 - Retail Investor Protection Act Providing Lifetime Income Illustrations on Retirement Benefit Statements Tax Benefits of Defined Contribution Plans Defined Contribution Retirement Plan Design Fiduciary Concerns Related to Advice and Education in Retirement Plans Stretch IRA as in the following bill: S953 - Reed-Harkin Student Loan Affordability Act of 2013 Preserving America's Transit and Highways Act of 2014 (Chairman's Mark) Lifetime Income Disclosure as in the following bill: HR2171/S1145 - Lifetime Income Disclosure Act of 2013 Retirement Plan Consolidation Tax Reform as it relates to retirement plans Qualified Default Investment Alternatives

Client expense: $430,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC)

Implementation issues related to the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); H.R.701, To amend a provision of the Securities Act of 1933 directing the Securities and Exchange Commission to add a particular class of securities to those exempted under such Act to provide a deadline for such action; H.R.801, Holding Company Registration Threshold Equalization Act of 2014; H.R.1341, Financial Competitive Act of 2013;H.R.634, Business Risk Mitigation and Price Stabilization Act of 2013; H.R.677, Inter-Affiliate Swap Clarification Act; H.R.992, Swaps Regulatory Improvement Act; H.R.1256, Swap Jurisdiction Certainty Act; S.1003, A bill to amend the Higher Education Act of 1965 to reset interest rates for new student loans; S.953, Student Loan Affordability Act; H.R.1979/S.897, Bank on Students Loan Fairness Act; H.R.1911, Smarter Solutions for Students Act; S.798, TBTF Act (Terminating Bailouts for Taxpayer Fairness Act of 2013); H.R.4167, Restoring Proven Financing for American Employers Act; H.R.4200, SBIC Advisers Relief Act; H.R.4554, Restricted Securities Relief Act; H.R.4568, Small Business Freedom to Grow Act; H.R.4571, To direct the Securities and Exchange Commission to revise its rules so as to increase the threshold amount for requiring issuers to provide certain disclosures relating to compensatory benefit plans; H.R.4569, Disclosure Modernization and Simplification Act; H.R.4570, Private Placement Improvement Act; H.R.4565, Startup Capital Modernization Act; H.R.2673, Portfolio Lending and Mortgage Access Act; H.R.4466, Financial Regulatory Clarity Act; H.R.4881, a bill to place a 6-month moratorium on the authority of the Financial Stability Oversight Council to make financial stability determinations; H.R.4387, the FSOC Transparency and Accountability Act; financial services issues.

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

Government targets: Commodity Futures Trading Commission (CFTC), HOUSE OF REPRESENTATIVES, SENATE

Proposals to expand retirement coverage, including proposals to mandate payroll deduction IRAs (not yet in legislative form) Obama Administration's proposals to limit contributions to retirement accounts (not yet in legislative form) Proposals regarding annuitization of assets from defined contribution plans (not yet in legislative form)Congressional activity surrounding the Department of Labor's proposed regulation to redefine "fiduciary" (not yet in legislative form) S 676 - "Identity Theft & Tax Fraud Prevention Act" Death master file limitations S. Con. Res. 12 - "Concurrent resolution expressing the sense of the Congress that our current tax incentives for retirement savings provide important benefits to Americans to help plan for a financially secure retirement" - Expresses sense of the Congress regarding tax incentives for retirement savings S 953 - "Student Loan Affordability Act"- Specifically the requirement to accelerate required minimum distributions from inherited IRA's and 401(k)-type of accounts used to offset the cost of lower student loan interest rates USA Retirement Funds - Not yet introduced, a plan to create a new type of privately-run retirement plan HR 2374- "Retail Investor Protection Act" - addresses the timing of the release of the Department of Labor's re-proposal and definition of fiduciary and provides guidance to the SEC on its own proposal SEC Municipal Advisers Rule- rule clarifying the definitions of "municipal advisor" and "investment strategies" Updates to 408(b)(2) Fee Disclosure-will provide a more uniform manner for disclosing information to plan sponsors Plan Consolidation - (no bill) Auto IRA Program- for employers not offering a retirement plan with no mandate (not yet introduced) HR 1534- Small Business Add Value for Employees (SAVE) Act of 2013 HR 837-Saving for American Families' Future Act of 2013 HR 2171/ S 1145-Lifetime Income Disclosure Act of 2013 HR 2374-Retail Investor Protection Act of 2013 S 1970- Retirement Act of 2014 S 1979-HARKIN RETIREMENT USA Preserving America's Transit and Highways Act of 2014 (Path Act) (no bill number yet) HR 4634 - To amend the Internal Revenue Code of 1986 to allow Federal law enforcement officers and firefighters to make penalty-free withdrawals from government plans after age 50

Client expense: $1,040,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Postal Service (USPS)

H.R. 3612/S. 113, Know Before You Owe Private Student Loan Act, entire bill. S. 1156, Understanding the True Cost of College Act, entire bill.S. 953, Student Loan Affordability Act of 2013, entire bill. S. 1003, Comprehensive Student Loan Protection Act, entire bill. S. 1241, Bipartisan Student Loan Certainty Act, entire bill. H.R. 2637, Supporting Academic Freedom through Regulatory Relief Act, entire bill. S. 1334, Bipartisan Student Loan Certainty Act, entire bill.

Client expense: $186,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE