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vs 3,548 other S bills in the 114th — cohort avg 43d
Access to Fair Financial Options for Repaying Debt Act of 2015 or the AFFORD Act This bill terminates existing federal student loan repayment plan options for borrowers of federal Direct Loan (DL) program loans issued on or after July 1, 2016. It amends title IV (Student Assistance) of the Higher Education Act of 1965 to establish two new repayment plan options. First, the bill creates a new version of the income-based repayment (IBR) plan that includes capping monthly payments at 10% of discretionary income, setting a 20-year maximum repayment period, broadening eligible borrowers to include borrowers without a partial financial hardship, and expanding qualifying loans to include parent PLUS loans and consolidation loans that repay parent PLUS loans. Second, it establishes a fixed repayment plan in which an enrolled borrower makes fixed monthly payments over a maximum repayment period of 10, 15, 20, or 25 years depending on the total federal loan balance at repayment. A borrower of a DL program loan issued on or after July 1, 2016, must enroll in the new IBR or fixed repayment plan. A borrower repaying a DL or Federal Family Education Loan program loan issued before July 1, 2016, may retain enrollment in the existing repayment plan or elect to enroll in the new IBR or fixed repayment plan. This bill requires an institution of higher education that participates in federal student aid programs to: (1) provide, as part of entrance counseling, information on the new IBR and fixed repayment plan options; (2) offer voluntary annual loan counseling to each enrolled student who is known to have one or more student loans; and (3) explain, during exit counseling, a borrower's options to prepay a loan, accelerate a payment schedule, and change a repayment plan.
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2016 · fourth_quarter · Financial Institutions/Investments/Securities
Credit Availability S1484 - The Financial Regulatory Improvement Act of 2015 Fees and Points in the QM ATR Rules of Dodd-Frank HR685 - Mortgage Choice Act of 2015 Student Loan Debt HR970 - Supporting Academic Freedom through Regulatory Relief Act HR1131 - Fairness in Student Loan Lending Act HR1434 - Bank on Students Emergency Loan Refinancing Act HR3179 - Empowering Students Through Enhanced Financial Counseling Act HR3180 - Flexible Pell Grant for 21st Century Students Act HR4162 - Credit Access and Inclusion Act of 2015 HR4652 - CLEAR Act S85 - Repay Act of 2015 S108 - Financial Aid Simplification and Transparency Act of 2015 S729 - Fairness for Struggling Students Act of 2015 S793 - Bank on Students Emergency Loan Refinancing Act S840 - Student Loan Borrower Bill of Rights S1948 - AFFORD Act S2043 - Know Before You Owe Federal Student Loan Act of 2015 S2677 - In the Red Act of 2016 Credit Union Lending HR1188 - Credit Union Small Business Job Creations Act CFPB Reform HR1266 - Financial Product Safety Commission Act of 2015 S510 - CFPB-IG Act of 2015 Access to Manufactured Housing HR650 - Preserving Access to Manufactured Housing Act of 2015 S682 - Preserving Access to Manufactured Housing Act of 2015 GSE Reform HR22 - DRIVE Act HR1491 - Partnership to Strengthen Homeownership Act of 2015 HR2029 - Consolidated Appropriations Act, 2016 HR4913 - Housing Finance Restructuring Act of 2016 HR__ - Moving Housing Forward Act S2038 - Jumpstart GSE Reform Act Guarantee Fees S752 - A bill to establish a scorekeeping rule to ensure that increases in guarantee fees of Fannie Mae and Freddie Mac shall not be used to offset provisions that increase the deficit. HConRes125 - Establishing the congressional budget for the United States Government for fiscal year 2017 and setting forth the appropriate budgetary levels for fiscal years 2018 through 2026. RESPA/TILA Amendments/TRID HR1113 - Portfolio Lending and Mortgage Access Act HR1210 - Portfolio Lending and Mortgage Access Act HR3192 - Homebuyers Assistance Act S1711 - A bill to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. Short Sales HR4812 - Prompt Notification of Short Sales Act Mortgage Servicing Assets HR2029 - Consolidated Appropriations Act, 2016 Alternative Credit Scoring HR3035 - Credit Access and Inclusion Act of 2015 HR4211 - Credit Score Competition Act of 2015 HR4893 - Risk Management and Homeowner Stability Act of 2016 S2355 - Credit Access and Inclusion Act of 2015 Service Members Foreclosure Relief S2393 - Foreclosure Relief and Extension for Servicemembers Act of 2015 Commercial Risk Retention Rules HR4620 - Preserving Access to CRE Capital Act of 2016 FHFA HR3808 - To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes. Financial Regulatory Reform HR1090 - Retail Investor Protection Act HR1523 - Community Bank Access to Capital Act of 2015 HR2642 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 HR5983 - The Financial Choice Act S1484 - Financial Regulatory Improvement Act of 2015 S1491 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 S1816 - Community Bank Access to Capital Act of 2015 Credit Reporting HR347 - The Facilitating Access to Credit Act HR5282 - The Comprehensive Consumer Credit Reporting Act of 2016 Federal Home Loan Bank HR__ - To amend the Federal Home Loan Bank Act to clarify the definition of an insurance company and to provide Federal Home Loan Bank membership standards for certain captive insurance companies Alternative Lending Sources HR4854 - Supporting America's Innovators Act of 2016 HR4855 - Fix Crowdfunding Act Zombie Foreclosures S3146 - Preserving Abandoned Foreclosures and Preserving Communities Act of 2016 Conversations with the Consumer Finance Protection Bureau (CFPB) on TRID, RESPA, TILA, and student loan debt. Discussions with the Federal Housing Finance Agency (FHFA) on GSE reform, duty-to-serve. Discussions with the Treasury on anti-money laundering and GSE reform. Conversations with the Office of the Comptroller of the Currency (OCC) on bank charters. Discussions with the Securities and Exchange Commission (SEC) on crowdfunding, small business lending.
Read twice and referred to the Committee on Health, Education, Labor, and Pensions.
Introduced in Senate
Bills with similar content found using semantic analysis.
Sources: Congress.gov
Client expense: $19,540,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Consumer Financial Protection Bureau (CFPB), Environmental Protection Agency (EPA), Federal Aviation Administration (FAA), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Telecommunications & Information Administration (NTIA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Geological Survey (USGS), Veterans Affairs, Dept of (VA)
2016 · third_quarter · Financial Institutions/Investments/Securities
Credit Availability S1484 - The Financial Regulatory Improvement Act of 2015 Fees and Points in the QM ATR Rules of Dodd-Frank HR685 - Mortgage Choice Act of 2015 Student Loan Debt HR970 - Supporting Academic Freedom through Regulatory Relief Act HR1131 - Fairness in Student Loan Lending Act HR1434 - Bank on Students Emergency Loan Refinancing Act HR3179 - Empowering Students Through Enhanced Financial Counseling Act HR3180 - Flexible Pell Grant for 21st Century Students Act HR4162 - Credit Access and Inclusion Act of 2015 HR4652 - CLEAR Act S85 - Repay Act of 2015 S108 - Financial Aid Simplification and Transparency Act of 2015 S729 - Fairness for Struggling Students Act of 2015 S793 - Bank on Students Emergency Loan Refinancing Act S840 - Student Loan Borrower Bill of Rights S1948 - AFFORD Act S2043 - Know Before You Owe Federal Student Loan Act of 2015 S2677 - In the Red Act of 2016 Credit Union Lending HR1188 - Credit Union Small Business Job Creations Act CFPB Reform HR1266 - Financial Product Safety Commission Act of 2015 S510 - CFPB-IG Act of 2015 Access to Manufactured Housing HR650 - Preserving Access to Manufactured Housing Act of 2015 S682 - Preserving Access to Manufactured Housing Act of 2015 GSE Reform HR22 - DRIVE Act HR1491 - Partnership to Strengthen Homeownership Act of 2015 HR2029 - Consolidated Appropriations Act, 2016 HR4913 - Housing Finance Restructuring Act of 2016 HR__ - Moving Housing Forward Act S2038 - Jumpstart GSE Reform Act Guarantee Fees S752 - A bill to establish a scorekeeping rule to ensure that increases in guarantee fees of Fannie Mae and Freddie Mac shall not be used to offset provisions that increase the deficit. HConRes125 - Establishing the congressional budget for the United States Government for fiscal year 2017 and setting forth the appropriate budgetary levels for fiscal years 2018 through 2026. RESPA/TILA Amendments/TRID HR1113 - Portfolio Lending and Mortgage Access Act HR1210 - Portfolio Lending and Mortgage Access Act HR3192 - Homebuyers Assistance Act S1711 - A bill to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. Short Sales HR4812 - Prompt Notification of Short Sales Act Mortgage Servicing Assets HR2029 - Consolidated Appropriations Act, 2016 Alternative Credit Scoring HR3035 - Credit Access and Inclusion Act of 2015 HR4211 - Credit Score Competition Act of 2015 HR4893 - Risk Management and Homeowner Stability Act of 2016 S2355 - Credit Access and Inclusion Act of 2015 Service Members Foreclosure Relief S2393 - Foreclosure Relief and Extension for Servicemembers Act of 2015 Commercial Risk Retention Rules HR4620 - Preserving Access to CRE Capital Act of 2016 FHFA HR3808 - To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes. Financial Regulatory Reform HR1090 - Retail Investor Protection Act HR2642 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 S1484 - Financial Regulatory Improvement Act of 2015 S1491 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 HR__ - The Financial Choice Act Credit Reporting HR347 - The Facilitating Access to Credit Act HR5282 - The Comprehensive Consumer Credit Reporting Act of 2016 Federal Home Loan Bank HR__ - To amend the Federal Home Loan Bank Act to clarify the definition of an insurance company and to provide Federal Home Loan Bank membership standards for certain captive insurance companies Alternative Lending Sources HR4854 - Supporting America's Innovators Act of 2016 HR4855 - Fix Crowdfunding Act Zombie Foreclosures S3146 - Preserving Abandoned Foreclosures and Preserving Communities Act of 2016 Conversations with the Consumer Finance Protection Bureau (CFPB) on TRID/Know Before You Owe. Discussions with the Federal Housing Finance Agency (FHFA) on credit availability, appraisal issues, appraisal management companies (AMCs), GSE reform, and risk-sharing. Discussions with the Small Business Administration to discuss small business lending programs. Discussions with the Treasury on anti-money laundering and credit availability. Conversations with the Office of the Comptroller of the Currency (OCC) on appraisal issues, AMCs. Discussions with the Securities and Exchange Commission (SEC) on JOBS Act Rulemaking. Discussions with the Federal Reserve on appraisal issues, AMCs. Discussions with the Federal Deposit Insurance Corporation (FDIC) on appraisal issues, AMCs.
Client expense: $23,800,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Consumer Financial Protection Bureau (CFPB), Energy, Dept of, Environmental Protection Agency (EPA), Federal Aviation Administration (FAA), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Telecommunications & Information Administration (NTIA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, U.S. Forest Service, Veterans Affairs, Dept of (VA), White House Office
2016 · second_quarter · Financial Institutions/Investments/Securities
Credit Availability S1484 - The Financial Regulatory Improvement Act of 2015 Fees and Points in the QM ATR Rules of Dodd-Frank HR685 - Mortgage Choice Act of 2015 Student Loan Debt HR970 - Supporting Academic Freedom through Regulatory Relief Act HR1131 - Fairness in Student Loan Lending Act HR1434 - Bank on Students Emergency Loan Refinancing Act HR3179 - Empowering Students Through Enhanced Financial Counseling Act HR3180 - Flexible Pell Grant for 21st Century Students Act HR4162 - Credit Access and Inclusion Act of 2015 HR4652 - CLEAR Act S85 - Repay Act of 2015 S108 - Financial Aid Simplification and Transparency Act of 2015 S729 - Fairness for Struggling Students Act of 2015 S793 - Bank on Students Emergency Loan Refinancing Act S840 - Student Loan Borrower Bill of Rights S1948 - AFFORD Act S2043 - Know Before You Owe Federal Student Loan Act of 2015 S2677 - In the Red Act of 2016 Credit Union Lending HR1188 - Credit Union Small Business Job Creations Act CFPB Reform HR1266 - Financial Product Safety Commission Act of 2015 S510 - CFPB-IG Act of 2015 Access to Manufactured Housing HR650 - Preserving Access to Manufactured Housing Act of 2015 S682 - Preserving Access to Manufactured Housing Act of 2015 GSE Reform HR22 - DRIVE Act HR1491 - Partnership to Strengthen Homeownership Act of 2015 HR2029 - Consolidated Appropriations Act, 2016 HR__ - Housing Finance Restructuring Act of 2016 HR__ - Moving Housing Forward Act S2038 - Jumpstart GSE Reform Act Guarantee Fees S752 - A bill to establish a scorekeeping rule to ensure that increases in guarantee fees of Fannie Mae and Freddie Mac shall not be used to offset provisions that increase the deficit. HConRes125 - Establishing the congressional budget for the United States Government for fiscal year 2017 and setting forth the appropriate budgetary levels for fiscal years 2018 through 2026. RESPA/TILA Amendments/TRID HR1113 - Portfolio Lending and Mortgage Access Act HR1210 - Portfolio Lending and Mortgage Access Act HR3192 - Homebuyers Assistance Act S1711 - A bill to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. Short Sales HR4812 - Prompt Notification of Short Sales Act Mortgage Servicing Assets HR2029 - Consolidated Appropriations Act, 2016 Alternative Credit Scoring HR3035 - Credit Access and Inclusion Act of 2015 HR4211 - Credit Score Competition Act of 2015 HR4893 - Risk Management and Homeowner Stability Act of 2016 S2355 - Credit Access and Inclusion Act of 2015 Service Members Foreclosure Relief S2393 - Foreclosure Relief and Extension for Servicemembers Act of 2015 Commercial Risk Retention Rules HR4620 - Preserving Access to CRE Capital Act of 2016 FHFA HR3808 - To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes. Financial Regulatory Reform HR1090 - Retail Investor Protection Act HR2642 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 S1484 - Financial Regulatory Improvement Act of 2015 S1491 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 HR__ - The Financial Choice Act Credit Reporting HR347 - The Facilitating Access to Credit Act HR5282 - The Comprehensive Consumer Credit Reporting Act of 2016 Federal Home Loan Bank HR__ - To amend the Federal Home Loan Bank Act to clarify the definition of an insurance company and to provide Federal Home Loan Bank membership standards for certain captive insurance companies Alternative Lending Sources HR4854 - Supporting America's Innovators Act of 2016 HR4855 - Fix Crowdfunding Act Zombie Foreclosures S__ - Preserving Abandoned Foreclosures and Preserving Communities Act of 2016 Conversations with the Consumer Finance Protection Bureau (CFPB) on TRID/Know Before You Owe and credit reporting. Discussions with the Federal Housing Finance Agency (FHFA) on "Duty to Serve" and g-fees. Discussions with the Small Business Administration to discuss small business lending programs. Discussions with the Treasury on anti-money laundering and appraisal management companies (AMCs). Conversations with the Office of the Comptroller of the Currency (OCC) on banking regulations.
Client expense: $9,380,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Energy, Dept of, Environmental Protection Agency (EPA), Federal Aviation Administration (FAA), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA)
2016 · first_quarter · Financial Institutions/Investments/Securities
Credit Availability S1484 - The Financial Regulatory Improvement Act of 2015 Fees and Points in the QM ATR Rules of Dodd-Frank HR685 - Mortgage Choice Act of 2015 Student Loan Debt HR970 - Supporting Academic Freedom through Regulatory Relief Act HR1131 - Fairness in Student Loan Lending Act HR1434 - Bank on Students Emergency Loan Refinancing Act HR3179 - Empowering Students Through Enhanced Financial Counseling Act HR3180 - Flexible Pell Grant for 21st Century Students Act HR4652 - CLEAR Act S85 - Repay Act of 2015 S108 - Financial Aid Simplification and Transparency Act of 2015 S729 - Fairness for Struggling Students Act of 2015 S793 - Bank on Students Emergency Loan Refinancing Act S840 - Student Loan Borrower Bill of Rights S1948 - AFFORD Act S2043 - Know Before You Owe Federal Student Loan Act of 2015 S2677 - In the Red Act of 2016 Credit Union Lending HR1188 - Credit Union Small Business Job Creations Act CFPB Reform HR1266 - Financial Product Safety Commission Act of 2015 S510 - CFPB-IG Act of 2015 Access to Manufactured Housing HR650 - Preserving Access to Manufactured Housing Act of 2015 S682 - Preserving Access to Manufactured Housing Act of 2015 GSE Reform HR22 - DRIVE Act HR1491 - Partnership to Strengthen Homeownership Act of 2015 HR2029 - Consolidated Appropriations Act, 2016 HR__ - Housing Finance Restructuring Act of 2016 HR__ - Moving Housing Forward Act S2038 - Jumpstart GSE Reform Act Guarantee Fees S752 - A bill to establish a scorekeeping rule to ensure that increases in guarantee fees of Fannie Mae and Freddie Mac shall not be used to offset provisions that increase the deficit. HConRes125 - Establishing the congressional budget for the United States Government for fiscal year 2017 and setting forth the appropriate budgetary levels for fiscal years 2018 through 2026. RESPA/TILA Amendments/TRID HR1113 - Portfolio Lending and Mortgage Access Act HR1210 - Portfolio Lending and Mortgage Access Act HR3192 - Homebuyers Assistance Act S1711 - A bill to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. Short Sales HR4812 - Prompt Notification of Short Sales Act Mortgage Servicing Assets HR2029 - Consolidated Appropriations Act, 2016 Alternative Credit Scoring HR3035 - Credit Access and Inclusion Act of 2015 HR4211 - Credit Score Competition Act of 2015 HR4893 - Risk Management and Homeowner Stability Act of 2016 S2355 - Credit Access and Inclusion Act of 2015 Service Members Foreclosure Relief S2393 - Foreclosure Relief and Extension for Servicemembers Act of 2015 Commercial Risk Retention Rules HR4620 - Preserving Access to CRE Capital Act of 2016 FHFA HR3808 - To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes. Financial Regulatory Reform HR1090 - Retail Investor Protection Act HR2642 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 S1484 - Financial Regulatory Improvement Act of 2015 S1491 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 Conversations with the Consumer Finance Protection Bureau (CFPB) on TRID/Know Before You Owe. Discussions with the Federal Housing Finance Agency (FHFA) on TRID and "Duty to Serve." Discussions with the Small Business Administration to discuss small business lending programs. Discussions with the Treasury on anti-money laundering. Conversations with the Office of the Comptroller of the Currency (OCC) on Commercial lending practices. Conversations with the Securities and Exchange Commission (SEC) on crowdfunding rules.
Client expense: $11,970,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Consumer Financial Protection Bureau (CFPB), Environmental Protection Agency (EPA), Federal Aviation Administration (FAA), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, Veterans Affairs, Dept of (VA)