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Bank on Students Emergency Loan Refinancing Act
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vs 3,548 other S bills in the 114th — cohort avg 43d
Bank on Students Emergency Loan Refinancing Act Amends title IV (Student Assistance) of the Higher Education Act of 1965 to direct the Secretary of Education to establish a program to refinance the unpaid principal, accrued unpaid interest, and late charges on: (1) the William D. Ford Federal Direct Loans (DLs) of qualified borrowers if the DLs were first disbursed or, in the case of Direct Consolidation Loans, applied for, before July 1, 2015; and (2) the Federal Family Education Loans (FFELs) of qualified borrowers as DLs. (FFELs were not disbursed after June 30, 2010.) Refinances the FFELs as Federal Direct Stafford, Unsubsidized Stafford, PLUS, or Consolidated Loans depending on the categorization of the FFEL as a Stafford, Unsubsidized Stafford, PLUS, or Consolidated Loan. Sets the interest rate on the refinanced loans, other than the Federal Direct Consolidation Loans, at the rate for the 12 months beginning on July 1, 2013, based on: (1) the DL's categorization; and (2) in the case of Stafford Loans, whether the loan was issued to an undergraduate or graduate student. Determines a refinanced Consolidation Loan's interest rate by: (1) weighing the proportion of the unpaid balance of the Consolidation Loan that each component loan represents, (2) setting the interest rate on each component loan at the lesser of the rate on the component loan for the 12 months beginning on July 1, 2013, or its original rate, and (3) applying the weighted average of the interest rates on those loans as the interest rate on the Consolidation Loan. Fixes the interest rate on the refinanced loans for the period of such loans. Directs the Secretary to establish eligibility requirements that are based on a borrower's income or debt-to-income ratio and that take into consideration providing access to refinancing for borrowers who have the greatest financial need. Requires the Secretary to establish a program to refinance the unpaid principal, accrued unpaid interest, and late charges on private education loans as Federal Direct Refinanced Private Loans if the private education loans were first disbursed to qualified borrowers before July 1, 2015, and were for their postsecondary educational expenses. Sets the interest rate on Federal Direct Refinanced Private Loans at the rate applicable for the 12 months beginning on July 1, 2013, to: (1) Direct Stafford and Unsubsidized Stafford Loans issued to undergraduates if the private education loan was issued for undergraduate expenses, (2) Direct Unsubsidized Stafford Loans issued to graduate or professional students if the private education loan was issued for graduate or professional studies, or (3) Direct PLUS Loans if the private education loan was issued for undergraduate and graduate or professional studies. Fixes the interest rate on such loans for the period of such loans. Directs the Secretary to establish eligibility requirements that: (1) are based on a borrower's income or debt-to-income ratio and take into consideration providing access to refinancing for borrowers who have the greatest financial need, (2) ensure eligibility only for borrowers in good standing, (3) minimize inequities between Federal Direct Refinanced Private Loans and other federal student loans, and (4) preclude windfall profits for private educational lenders. Requires qualified borrowers of such loans to undergo loan counseling before their private education loan is refinanced. Requires private educational lenders to report specified loan information to the Secretary, Congress, the Secretary of the Treasury, and the Director of the Consumer Financial Protection Bureau in order to allow for an assessment of the private education loan market. Directs the Secretary to undertake a campaign to alert borrowers that they may be eligible for refinancing under this Act. Amends the Internal Revenue Code to require an individual taxpayer whose adjusted gross income exceeds $1 million to pay a minimum tax rate of 30% of the excess of the taxpayer's adjusted gross income over the taxpayer's modified charitable contribution deduction for the taxable year (tentative fair share tax). Establishes the amount of such tax as the excess (if any) of the tentative fair share tax over the excess of: (1) the sum of the taxpayer's regular tax liability, the alternative minimum tax (AMT) amount, and the payroll tax for the taxable year; over (2) certain tax credits. Provides for a phase-in of such tax. Requires an inflation adjustment to the $1 million income threshold for taxable years beginning after 2016. Requires the Secretary to terminate this Act's refinancing programs on the earlier of the date: (1) when the net cost of carrying out the programs is equal to the Secretary's estimate of the amount of additional revenue generated during the 10-year period beginning on the date of this Act's enactment due to the fair share tax, or (2) that is two years after this Act's enactment.
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Filing registrants (11)
Read twice and referred to the Committee on Finance. (Sponsor introductory remarks on measure: CR S1632-1633)
Introduced in Senate
Bills with similar content found using semantic analysis.
Sources: Congress.gov
2016 · fourth_quarter · Education
Issues pertaining to Title IV of the HEA; S.108, Financial Aid Simplification and Transparency Act of 2015; S.2677, "In the Red Act of 2016"; H.R.1434 and S.793, "Bank on Students Emergency Loan Financing Act"; H.R.3179, "Empowering Students Through Enhanced Financial Counseling Act"; S. 3399 & H.R. 5838, "Transparency in Student Lending Act"
Client expense: $100,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
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.
2016 · fourth_quarter · Education
H.R. 1310 and S. 590: Campus Accountability and Safety Act A bill to amend the Higher Education Act of 1965 and the Jeanne Clery Disclosure of Campus Security Policy and Campus Crime Statistics Act to combat campus sexual violence, and for other purposes (ALL). S. 108: Financial Aid Simplification and Transparency Act of 2015 A bill to amend the Higher Education Act of 1965 to improve access for students to Federal grants and loans to help pay for postsecondary, graduate, and professional educational opportunities, and for other purposes (ALL). H.R. 1434 and S. 793: Bank on Students Emergency Loan Refinancing Act A bill to amend the Higher Education Act of 1965 to provide for the refinancing of certain Federal student loans, and for other purposes (ALL). H.R. 2731: National Collegiate Athletics Accountability Act A bill to amend section 487(a) of the Higher Education Act of 1965 to provide increased accountability of nonprofit athletic associations and to establish a commission to identify and examine issues of national concern related to the conduct of intercollegiate athletics, and for other purposes (ALL). H.R. 3403: Safe Campus Act of 2015 A bill to amend the Higher Education Act of 1965 to protect victims of sexual violence, to improve the adjudication of allegations related to sexual violence, and for other purposes (ALL). H.R. 3408: Fair Campus Act of 2015 A bill to amend the Higher Education Act of 1965 to protect victims of sexual violence, to improve the adjudication by institutions of higher education of allegations related to sexual violence, and for other purposes (ALL). S. 2869: Boost Saving for College Act A bill to amend the Internal Revenue Code of 1986 to improve college savings under section 529 programs, and for other purposes (ALL). H.R. 3178: Strengthening Transparency in Higher Education Act A bill to simplify and streamline the information regarding institutions of higher education made publicly available by the Secretary of Education, and for other purposes (ALL). H.R. 3179: Empowering Students Through Enhanced Financial Counseling Act A bill to amend the loan counseling requirements under the Higher Education Act of 1965, and for other purposes (ALL). H.R. 5528: Simplifying the Application for Student Aid Act A bill to amend the Higher Education Act of 1965 to simplify the FAFSA, and for other purposes (ALL). Pending legislation to reauthorize the Higher Education Act. S. 3368: Access, Success and Persistence in Reshaping Education (ASPIRE) Act A bill to amend the Higher Education Act of 1965 to improve college access and college completion for all students (ALL). S. 3380: Accreditation Reform and Enhanced Accountability Act A bill to amend the Higher Education Act of 1965 to provide for accreditation reform, and for other purposes (ALL).
2016 · fourth_quarter · Banking
Issues Related to Cyber Security & Data Security H.R. 1770 - Data Security and Breach Notification Act of 2015 H.R. 2205/S. 961 - Data Security Act of 2015 Issues Related to the Consumer Financial Protection Bureau H.R. 1226 - Financial Products Safety Commission Act of 2015 and S. 3196, Consumer Financial Protection Board Act of 2016 Issues related to the CFPBs rulemaking for prepaid cards Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act and HR 4993, Homeowner Information Privacy Protection Act Issues related to Implementation of the TILA/RESPA Integrated Disclosures Issues related to anticipated rulemaking that would affect overdraft products and services Issues related to Campus Banking Products Issues related to The Fair Housing Act Issues related to CFPB Consumer Response Portal and H.R. 5491 Issues related to Auto Guidance Issues related to CFPB Arbitration Rule Issues related to CFPB Small-dollar Rule Issues related to CFPB Semi-annual report to Congress Issues related to Bankruptcy Reform Issues related to H.R. 5983 Financial Choice Act H.R. 5211, CFPB Dual Mandate and Economic Analysis Act H.R. 5112, Unfair or Deceptive Acts or Practices Uniformity Act Issues Related to Student Loans Issues related to the reauthorization of the Higher Education Act Issues related to the CFPBs and Department of Educations actions on student lending H.R. 5838/S. 3399, Transparency in Student Lending S. 3116/H.R. 3179, Empowering Students Through Enhanced Financial Counseling Act H.R. 1434/ S.793, Bank on Students Emergency Loan Refinancing Act H.R. 2677/H.R.5106, In the Red Act of 2016 Issues Related to Appropriations H.R. 5485/S. 3067, Financial Services and General Government Appropriations Act, 2017 HR. 2947 - Financial Institutions Bankruptcy Act Issues Related to Servicemembers S. 2393 - Foreclosure Relief and Extension for Servicemembers Act of 2015 S. 2719 - SCRA Enhancement and Improvement Act of 2016 Issues Related to the Community Reinvestment Act Issues Related to Debit Interchange H.R. 5465, To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes Issues Related to EMV (Europay, MasterCard, and Visa) Issues related to the Restructuring of the Fed Dividend Issues related to FinTech HR. 6287 - MOBILE Act Issues related to the E-SIGN Act Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Real Estate Settlement Procedures Issues, Regulation X, 12 CFR Part 1024 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Disclosure of Records and Information, 12 CFR Part 1070 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Telephone Consumer Protection Act, 47 U.S.C. 227 Issues related to Electronic Fund Transfer Act, 15 U.S.C. 1693 Department of Education Cash Management Rules Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act
2016 · fourth_quarter · Education
Reauthorization of the Higher Education Act S.793/HR 1434 - Bank on Students Emergency Loan Refinance Act
Client expense: Not reported · Firm income: $10,000
Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, SENATE
2016 · fourth_quarter · Banking
| Democratic |
| CA |
| Benjamin L. Cardin | Democratic | MD |
| Bernard Sanders | Independent | VT |
| Brian Schatz | Democratic | HI |
| Christopher Murphy | Democratic | CT |
| Claire McCaskill | Democratic | MO |
| Cory A. Booker | Democratic | NJ |
| Debbie Stabenow | Democratic | MI |
| Dianne Feinstein | Democratic | CA |
| Edward J. Markey | Democratic | MA |
| Gary C. Peters | Democratic | MI |
| Harry Reid | Democratic | NV |
| Heidi Heitkamp | Democratic | ND |
| Jack Reed | Democratic | RI |
| Jeanne Shaheen | Democratic | NH |
| Jeff Merkley | Democratic | OR |
| Joe Manchin, III | Independent | WV |
| Kirsten E. Gillibrand | Democratic | NY |
| Martin Heinrich | Democratic | NM |
| Mazie K. Hirono | Democratic | HI |
| Michael F. Bennet | Democratic | CO |
| Patrick J. Leahy | Democratic | VT |
| Patty Murray | Democratic | WA |
| Richard Blumenthal | Democratic | CT |
| Richard J. Durbin | Democratic | IL |
| Robert Menendez | Democratic | NJ |
| Robert P. Casey, Jr. | Democratic | PA |
| Ron Wyden | Democratic | OR |
| Sheldon Whitehouse | Democratic | RI |
| Sherrod Brown | Democratic | OH |
| Tammy Baldwin | Democratic | WI |
| Tom Udall | Democratic | NM |
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)
Client expense: $50,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
Client expense: $1,170,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of
S.793/H.R.1434, The Bank on Students Emergency Loan Refinance Act Consumer Financial Protection Bureau
Client expense: Not reported · Firm income: $10,000
Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, SENATE
2016 · fourth_quarter · Education
Issues related to private student lending, including: HR 509 - Student Loan Interest Deduction Act of 2015 HR 649 - Student Loan Refinancing Act HR 1131 - Fairness in Student Loan Lending Act HR 1352 - Student Loan Borrowers' Bill of Rights Act of 2015 HR 1434 - Bank on Students Emergency Loan Refinancing Act Hr 3450 - Student Debt Repayment Fairness Act HR 3179 - Empowering Students Through Enhanced Financial Counseling Act S 793 - Bank on Students Emergency Loan Refinancing Act S 840 - Student Loan Borrower Bill of Rights S 3116 - Empowering Students Through Enhanced Financial Counseling Act
Client expense: $580,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · fourth_quarter · Bankruptcy
Issues related to the discharge of private student loan debt, including: HR 3451 - Student Loan Bankruptcy Parity Act of 2015 HR 1674 - Private Student Loan Bankruptcy Fairness Act of 2015 HR 1131 - Fairness in Student Loan Lending Act HR 1434 - Bank on Students Emergency Loan Refinancing Act HR 449 - Discharge Student Loans in Bankruptcy Act of 2015 S 729 - Fairness for Struggling Students Act of 2015 S 793 - Bank of Students Emergency Loan Refinancing Act
Client expense: $580,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · fourth_quarter · Education
medical student loan assistance / practice in underserved areas (HR 1707); Graduate Medical Education (HR 3292); Higher Education Act reauthorization; student loan reform (HR 1352, S 793 / HR 1434, HR 1713, S 2456, HR 4223)
Client expense: $140,000 · Firm income: Not reported
Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, SENATE, Veterans Affairs, Dept of (VA)
2016 · third_quarter · Education
medical student loan assistance / practice in underserved areas (HR 1707); Graduate Medical Education (HR 3292); Higher Education Act reauthorization; student loan reform (HR 1352, S 793 / HR 1434, HR 1713, S 2456, HR 4223)
Client expense: $140,000 · Firm income: Not reported
Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, SENATE, Veterans Affairs, Dept of (VA)
2016 · third_quarter · Banking
Issues Related to Cyber Security & Data Security H.R. 1770 - Data Security and Breach Notification Act of 2015 H.R. 2205/S. 961 - Data Security Act of 2015 Issues Related to the Consumer Financial Protection Bureau H.R. 1226 - Financial Products Safety Commission Act of 2015 and S. 3196, Consumer Financial Protection Board Act of 2016 Issues related to the CFPBs rulemaking for prepaid cards Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act and HR 4993, Homeowner Information Privacy Protection Act Issues related to Implementation of the TILA/RESPA Integrated Disclosures Issues related to anticipated rulemaking that would affect overdraft products and services Issues related to Campus Banking Products Issues related to The Fair Housing Act Issues related to CFPB Consumer Response Portal and H.R. 5491 Issues related to Auto Guidance Issues related to CFPB Arbitration Rule Issues related to CFPB Small-dollar Rule Issues related to CFPB Semi-annual report to Congress Issues related to H.R. 5983 Financial Choice Act H.R. 5211, CFPB Dual Mandate and Economic Analysis Act H.R. 5112, Unfair or Deceptive Acts or Practices Uniformity Act Issues Related to Student Loans Issues related to the reauthorization of the Higher Education Act Issues related to the CFPBs and Department of Educations actions on student lending H.R. 5838/S. 3399, Transparency in Student Lending S. 3116/H.R. 3179, Empowering Students Through Enhanced Financial Counseling Act H.R. 1434/ S.793, Bank on Students Emergency Loan Refinancing Act H.R. 2677/H.R.5106, In the Red Act of 2016 Issues Related to Appropriations H.R. 5485/S. 3067, Financial Services and General Government Appropriations Act, 2017 HR. 2947 - Financial Institutions Bankruptcy Act Issues Related to Servicemembers S. 2393 - Foreclosure Relief and Extension for Servicemembers Act of 2015 S. 2719 - SCRA Enhancement and Improvement Act of 2016 Issues Related to the Community Reinvestment Act Issues Related to Debit Interchange H.R. 5465, To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes Issues Related to EMV (Europay, MasterCard, and Visa) Issues related to the Restructuring of the Fed Dividend Issues related to FinTech HR. 6287 - MOBILE Act Issues related to the E-SIGN Act Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Real Estate Settlement Procedures Issues, Regulation X, 12 CFR Part 1024 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Disclosure of Records and Information, 12 CFR Part 1070 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Telephone Consumer Protection Act, 47 U.S.C. 227 Issues related to Electronic Fund Transfer Act, 15 U.S.C. 1693 Department of Education Cash Management Rules Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act
Client expense: $780,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of
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 · first_quarter · Education
Issues pertaining to Title IV of the HEA; S.108, Financial Aid Simplification and Transparency Act of 2015; S.2677, "In the Red Act of 2016"; H.R.1434 and S.793, "Bank on Students Emergency Loan Financing Act"
Client expense: $260,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · second_quarter · Education
Issues pertaining to Title IV of the HEA; S.108, Financial Aid Simplification and Transparency Act of 2015; S.2677, "In the Red Act of 2016"; H.R.1434 and S.793, "Bank on Students Emergency Loan Financing Act"; H.R.3179, "Empowering Students Through Enhanced Financial Counseling Act"
Client expense: $80,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · third_quarter · Education
Issues pertaining to Title IV of the HEA; S.108, Financial Aid Simplification and Transparency Act of 2015; S.2677, "In the Red Act of 2016"; H.R.1434 and S.793, "Bank on Students Emergency Loan Financing Act"; H.R.3179, "Empowering Students Through Enhanced Financial Counseling Act"; S. 3399 & H.R. 5838, "Transparency in Student Lending Act"
Client expense: $90,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · third_quarter · Education
H.R. 1310 and S. 590: Campus Accountability and Safety Act A bill to amend the Higher Education Act of 1965 and the Jeanne Clery Disclosure of Campus Security Policy and Campus Crime Statistics Act to combat campus sexual violence, and for other purposes (ALL). S. 108: Financial Aid Simplification and Transparency Act of 2015 A bill to amend the Higher Education Act of 1965 to improve access for students to Federal grants and loans to help pay for postsecondary, graduate, and professional educational opportunities, and for other purposes (ALL). H.R. 1434 and S. 793: Bank on Students Emergency Loan Refinancing Act A bill to amend the Higher Education Act of 1965 to provide for the refinancing of certain Federal student loans, and for other purposes (ALL). H.R. 2731: National Collegiate Athletics Accountability Act A bill to amend section 487(a) of the Higher Education Act of 1965 to provide increased accountability of nonprofit athletic associations and to establish a commission to identify and examine issues of national concern related to the conduct of intercollegiate athletics, and for other purposes (ALL). H.R. 3403: Safe Campus Act of 2015 A bill to amend the Higher Education Act of 1965 to protect victims of sexual violence, to improve the adjudication of allegations related to sexual violence, and for other purposes (ALL). H.R. 3408: Fair Campus Act of 2015 A bill to amend the Higher Education Act of 1965 to protect victims of sexual violence, to improve the adjudication by institutions of higher education of allegations related to sexual violence, and for other purposes (ALL). S. 2869: Boost Saving for College Act A bill to amend the Internal Revenue Code of 1986 to improve college savings under section 529 programs, and for other purposes (ALL). H.R. 3178: Strengthening Transparency in Higher Education Act A bill to simplify and streamline the information regarding institutions of higher education made publicly available by the Secretary of Education, and for other purposes (ALL). H.R. 3179: Empowering Students Through Enhanced Financial Counseling Act A bill to amend the loan counseling requirements under the Higher Education Act of 1965, and for other purposes (ALL). H.R. 5528: Simplifying the Application for Student Aid Act A bill to amend the Higher Education Act of 1965 to simplify the FAFSA, and for other purposes (ALL). Pending legislation to reauthorize the Higher Education Act. S. 3368: Access, Success and Persistence in Reshaping Education (ASPIRE) Act A bill to amend the Higher Education Act of 1965 to improve college access and college completion for all students (ALL). S. 3380: Accreditation Reform and Enhanced Accountability Act A bill to amend the Higher Education Act of 1965 to provide for accreditation reform, and for other purposes (ALL).
Client expense: $50,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · third_quarter · Banking
S.793/H.R.1434, The Bank on Students Emergency Loan Refinance Act Consumer Financial Protection Bureau
Client expense: Not reported · Firm income: $10,000
Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, SENATE
2016 · third_quarter · Education
Reauthorization of the Higher Education Act S.108, The Financial Aid Simplication and Transparency Act S.793/HR 1434 - Bank on Students Emergency Loan Refinance Act
Client expense: Not reported · Firm income: $10,000
Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, SENATE
2016 · third_quarter · Bankruptcy
Issues related to the discharge of private student loan debt, including: HR 3451 - Student Loan Bankruptcy Parity Act of 2015 HR 1674 - Private Student Loan Bankruptcy Fairness Act of 2015 HR 1131 - Fairness in Student Loan Lending Act HR 1434 - Bank on Students Emergency Loan Refinancing Act HR 449 - Discharge Student Loans in Bankruptcy Act of 2015 S 729 - Fairness for Struggling Students Act of 2015 S 793 - Bank of Students Emergency Loan Refinancing Act
Client expense: $490,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · third_quarter · Education
Issues related to private student lending, including: HR 509 - Student Loan Interest Deduction Act of 2015 HR 649 - Student Loan Refinancing Act HR 1131 - Fairness in Student Loan Lending Act HR 1352 - Student Loan Borrowers' Bill of Rights Act of 2015 HR 1434 - Bank on Students Emergency Loan Refinancing Act Hr 3450 - Student Debt Repayment Fairness Act HR 3179 - Empowering Students Through Enhanced Financial Counseling Act S 793 - Bank on Students Emergency Loan Refinancing Act S 840 - Student Loan Borrower Bill of Rights S 3116 - Empowering Students Through Enhanced Financial Counseling Act
Client expense: $490,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · second_quarter · Education
Issues pertaining to Title IV of the HEA; S.108, Financial Aid Simplification and Transparency Act of 2015; S.2677, "In the Red Act of 2016"; H.R.1434 and S.793, "Bank on Students Emergency Loan Financing Act"; H.R.3179, "Empowering Students Through Enhanced Financial Counseling Act"
Client expense: $120,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
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 · second_quarter · Education
H.R. 1310 and S. 590: Campus Accountability and Safety Act A bill to amend the Higher Education Act of 1965 and the Jeanne Clery Disclosure of Campus Security Policy and Campus Crime Statistics Act to combat campus sexual violence, and for other purposes (ALL). S. 108: Financial Aid Simplification and Transparency Act of 2015 A bill to amend the Higher Education Act of 1965 to improve access for students to Federal grants and loans to help pay for postsecondary, graduate, and professional educational opportunities, and for other purposes (ALL). H.R. 1434 and S. 793: Bank on Students Emergency Loan Refinancing Act A bill to amend the Higher Education Act of 1965 to provide for the refinancing of certain Federal student loans, and for other purposes (ALL). H.R. 2731: National Collegiate Athletics Accountability Act A bill to amend section 487(a) of the Higher Education Act of 1965 to provide increased accountability of nonprofit athletic associations and to establish a commission to identify and examine issues of national concern related to the conduct of intercollegiate athletics, and for other purposes (ALL). H.R. 3403: Safe Campus Act of 2015 A bill to amend the Higher Education Act of 1965 to protect victims of sexual violence, to improve the adjudication of allegations related to sexual violence, and for other purposes (ALL). H.R. 3408: Fair Campus Act of 2015 A bill to amend the Higher Education Act of 1965 to protect victims of sexual violence, to improve the adjudication by institutions of higher education of allegations related to sexual violence, and for other purposes (ALL). S. 2869: Boost Saving for College Act A bill to amend the Internal Revenue Code of 1986 to improve college savings under section 529 programs, and for other purposes (ALL). H.R. 3178: Strengthening Transparency in Higher Education Act A bill to simplify and streamline the information regarding institutions of higher education made publicly available by the Secretary of Education, and for other purposes (ALL). H.R. 3179: Empowering Students Through Enhanced Financial Counseling Act A bill to amend the loan counseling requirements under the Higher Education Act of 1965, and for other purposes (ALL). H.R. 5528: Simplifying the Application for Student Aid Act A bill to amend the Higher Education Act of 1965 to simplify the FAFSA, and for other purposes (ALL). Pending legislation to reauthorize the Higher Education Act.
Client expense: $80,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · second_quarter · Education
Issues related to private student lending, including: HR 509 - Student Loan Interest Deduction Act of 2015 HR 649 - Student Loan Refinancing Act HR 1131 - Fairness in Student Loan Lending Act HR 1352 - Student Loan Borrowers' Bill of Rights Act of 2015 HR 1434 - Bank on Students Emergency Loan Refinancing Act Hr 3450 - Student Debt Repayment Fairness Act HR 3179 - Empowering Students Through Enhanced Financial Counseling Act S 793 - Bank on Students Emergency Loan Refinancing Act S 840 - Student Loan Borrower Bill of Rights S 3116 - Empowering Students Through Enhanced Financial Counseling Act
Client expense: $520,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · second_quarter · Bankruptcy
Issues related to the discharge of private student loan debt, including: HR 3451 - Student Loan Bankruptcy Parity Act of 2015 HR 1674 - Private Student Loan Bankruptcy Fairness Act of 2015 HR 1131 - Fairness in Student Loan Lending Act HR 1434 - Bank on Students Emergency Loan Refinancing Act HR 449 - Discharge Student Loans in Bankruptcy Act of 2015 S 729 - Fairness for Struggling Students Act of 2015 S 793 - Bank of Students Emergency Loan Refinancing Act
Client expense: $520,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · second_quarter · Education
medical student loan assistance / practice in underserved areas (HR 1707); Graduate Medical Education (HR 3292); Higher Education Act reauthorization; student loan reform (HR 1352, S 793 / HR 1434, HR 1713, S 2456, HR 4223)
Client expense: $140,000 · Firm income: Not reported
Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, SENATE, Veterans Affairs, Dept of (VA)
2016 · second_quarter · Education
Reauthorization of the Higher Education Act S.108, The Financial Aid Simplication and Transparency Act S.793/HR 1434 - Bank on Students Emergency Loan Refinance Act
Client expense: Not reported · Firm income: $10,000
Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, SENATE
2016 · second_quarter · Banking
S.793/H.R.1434, The Bank on Students Emergency Loan Refinance Act Consumer Financial Protection Bureau
Client expense: Not reported · Firm income: $10,000
Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, SENATE
2016 · first_quarter · Education
H.R 1310 and S. 590: Campus Accountability and Safety Act Official Title: To amend the Higher Education Act of 1965 and the Jeanne Clery Disclosure of Campus Security Policy and Campus Crime Statistics Act to combat campus sexual violence, and for other purposes (ALL). S. 108: Financial Aid Simplification and Transparency Act of 2015 Official Title: To amend the Higher Education Act of 1965 to improve access for students to Federal grants and loans to help pay for postsecondary, graduate, and professional educational opportunities, and for other purposes (ALL). H.R. 1434 and S. 793: Bank on Students Emergency Loan Refinancing Act Official Title: A bill to amend the Higher Education Act of 1965 to provide for the refinancing of certain Federal student loans, and for other purposes (ALL). H.R. 2731: National Collegiate Athletics Accountability Act Official Title: To amend section 487(a) of the Higher Education Act of 1965 to provide increased accountability of nonprofit athletic associations and to establish a commission to identify and examine issues of national concern related to the conduct of intercollegiate athletics, and for other purposes (ALL). H.R. 3403: Safe Campus Act of 2015 Official Title: To amend the Higher Education Act of 1965 to protect victims of sexual violence, to improve the adjudication of allegations related to sexual violence, and for other purposes (ALL). H.R. 3408: Fair Campus Act of 2015 Official Title: To amend the Higher Education Act of 1965 to protect victims of sexual violence, to improve the adjudication by institutions of higher education of allegations related to sexual violence, and for other purposes (ALL). Pending legislation to reauthorize the Higher Education Act.
Client expense: $70,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
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)
2016 · first_quarter · Bankruptcy
Issues related to the discharge of private student loan debt, including: HR 3451 - Student Loan Bankruptcy Parity Act of 2015 HR 1674 - Private Student Loan Bankruptcy Fairness Act of 2015 HR 1131 - Fairness in Student Loan Lending Act HR 1434 - Bank on Students Emergency Loan Refinancing Act HR 449 - Discharge Student Loans in Bankruptcy Act of 2015 S 729 - Fairness for Struggling Students Act of 2015 S 793 - Bank of Students Emergency Loan Refinancing Act
Client expense: $590,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · first_quarter · Education
Issues related to private student lending, including: HR 509 - Student Loan Interest Deduction Act of 2015 HR 649 - Student Loan Refinancing Act HR 1131 - Fairness in Student Loan Lending Act HR 1352 - Student Loan Borrowers' Bill of Rights Act of 2015 HR 1434 - Bank on Students Emergency Loan Refinancing Act Hr 3450 - Student Debt Repayment Fairness Act S 793 - Bank on Students Emergency Loan Refinancing Act S 840 - Student Loan Borrower Bill of Rights
Client expense: $590,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · first_quarter · Education
Issues pertaining to Title IV of the HEA; S.108, Financial Aid Simplification and Transparency Act of 2015; S.2677, "In the Red Act of 2016"; H.R.1434 and S.793, "Bank on Students Emergency Loan Financing Act"
Client expense: $300,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2016 · first_quarter · Banking
S.793/HR 1434, The Bank on Students Emergency Loan Refinance Act Consumer Financial Protection Bureau
Client expense: Not reported · Firm income: $10,000
Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, SENATE
2016 · first_quarter · Education
Reauthorization of the Higher Education Act S.108, The Financial Aid Simplication and Transparency Act S.793/HR 1434 - Bank on Students Emergency Loan Refinance Act
Client expense: Not reported · Firm income: $10,000
Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, SENATE
2016 · first_quarter · Education
medical student loan assistance / practice in underserved areas (HR 1707); Graduate Medical Education (HR 3292); Higher Education Act reauthorization; student loan reform (HR 1352, S 793 / HR 1434, HR 1713, S 2456, HR 4223
Client expense: $140,000 · Firm income: Not reported
Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, SENATE, Veterans Affairs, Dept of (VA)
2015 · second_quarter · Education
HR1310 and S.590: Campus Accountability and Safety Act Official Title: To amend the Higher Education Act of 1965 and the Jeanne Clery Disclosure of Campus Security Policy and Campus Crime Statistics Act to combat campus sexual violence, and for other purposes(ALL) S108: Financial Aid Simplification and Transparency Act of 2015 Official Title: A bill to amend the Higher Education Act of 1965 to improve access for students to Federal grants and loans to help pay for postsecondary, graduate, and professional educational opportunities, and for other purposes(ALL) HR. 1434 and S793: Bank on Students Emergency Loan Refinancing Act Official Title: A bill to amend the Higher Education Act of 1965 to provide for the refinancing of certain Federal student loans, and for other purposes(ALL). HR 5269: HALT Campus Sexual Violence Act Official Title: To amend the Higher Education Act of 1965 to increase transparency and reporting on campus sexual violence, and for other purposes. H.R.2731 National Collegiate Athletics Accountability Act Official Title: To amend section 487(a) of the Higher Education Act of 1965 to provide increased accountability of nonprofit athletic associations and to establish a commission to identify and examine issues of national concern related to the conduct of intercollegiate athletics, and for other purposes. Pending legislation to reauthorize the Higher Education Act.
Client expense: $70,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2015 · third_quarter · Education
Issues related to private student lending, including: HR 509 - Student Loan Interest Deduction Act of 2015 HR 649 - Student Loan Refinancing Act HR 1131 - Fairness in Student Loan Lending Act HR 1352 - Student Loan Borrowers' Bill of Rights Act of 2015 HR 1434 - Bank on Students Emergency Loan Refinancing Act Hr 3450 - Student Debt Repayment Fairness Act S 793 - Bank on Students Emergency Loan Refinancing Act S 840 - Student Loan Borrower Bill of Rights
Client expense: $480,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2015 · third_quarter · Bankruptcy
Issues related to the discharge of private student loan debt, including: HR 3451 - Student Loan Bankruptcy Parity Act of 2015 HR 1674 - Private Student Loan Bankruptcy Fairness Act of 2015 HR 1131 - Fairness in Student Loan Lending Act HR 1434 - Bank on Students Emergency Loan Refinancing Act HR 449 - Discharge Student Loans in Bankruptcy Act of 2015 S 729 - Fairness for Struggling Students Act of 2015 S 793 - Bank of Students Emergency Loan Refinancing Act
Client expense: $480,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2015 · fourth_quarter · Bankruptcy
Issues related to the discharge of private student loan debt, including: HR 3451 - Student Loan Bankruptcy Parity Act of 2015 HR 1674 - Private Student Loan Bankruptcy Fairness Act of 2015 HR 1131 - Fairness in Student Loan Lending Act HR 1434 - Bank on Students Emergency Loan Refinancing Act HR 449 - Discharge Student Loans in Bankruptcy Act of 2015 S 729 - Fairness for Struggling Students Act of 2015 S 793 - Bank of Students Emergency Loan Refinancing Act
Client expense: $570,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2015 · fourth_quarter · Education
Issues related to private student lending, including: HR 509 - Student Loan Interest Deduction Act of 2015 HR 649 - Student Loan Refinancing Act HR 1131 - Fairness in Student Loan Lending Act HR 1352 - Student Loan Borrowers' Bill of Rights Act of 2015 HR 1434 - Bank on Students Emergency Loan Refinancing Act Hr 3450 - Student Debt Repayment Fairness Act S 793 - Bank on Students Emergency Loan Refinancing Act S 840 - Student Loan Borrower Bill of Rights
Client expense: $570,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2015 · first_quarter · Education
Issues related to private student lending, including: HR 509 - Student Loan Interest Deduction Act of 2015 HR 649 - Student Loan Refinancing Act HR 1131 - Fairness in Student Loan Lending Act HR 1352 - Student Loan Borrowers' Bill of Rights Act of 2015 HR 1434 - Bank on Students Emergency Loan Refinancing Act S 793 - Bank on Students Emergency Loan Refinancing Act S 840 - Student Loan Borrower Bill of Rights
Client expense: $590,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2015 · first_quarter · Bankruptcy
Issues related to the discharge of private student loan debt, including; HR 1674 -Private Student Loan Bankruptcy Fairness Act of 2015 HR 1131 - Access to Timely Information Act HR 1434 - Bank on Students Emergency Loan Refinancing Act HR 449 - Discharge Student Loans in Bankruptcy Act of 2015 S 729 - Fairness for Struggling Students Act of 2015 S 793 - Bank on Students Emergency Loan Refinancing Act
Client expense: $590,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2015 · first_quarter · Education
Issues related to private student lending, including: HR 509 - Student Loan Interest Deduction Act of 2015 HR 649 - Student Loan Refinancing Act HR 1131 - Fairness in Student Loan Lending Act HR 1352 - Student Loan Borrowers' Bill of Rights Act of 2015 HR 1434 - Bank on Students Emergency Loan Refinancing Act S 793 - Bank on Students Emergency Loan Refinancing Act S 840 - Student Loan Borrower Bill of Rights
Client expense: $570,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2015 · first_quarter · Bankruptcy
Issues related to the discharge of private student loan debt, including; HR 1674 -Private Student Loan Bankruptcy Fairness Act of 2015 HR 1131 - Access to Timely Information Act HR 1434 - Bank on Students Emergency Loan Refinancing Act HR 449 - Discharge Student Loans in Bankruptcy Act of 2015 S 729 - Fairness for Struggling Students Act of 2015 S 793 - Bank on Students Emergency Loan Refinancing Act
Client expense: $570,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2015 · fourth_quarter · Banking
S.793/H.R. 1434, The Bank on Students Emergency Loan Refinance Act Consumer Financial Protection Bureau
Client expense: Not reported · Firm income: $10,000
Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, SENATE
2015 · fourth_quarter · Education
Reauthorization of the Higher Education Act S.108, the Financial Aid Simplication and Transparency Act S.793/H.R. 1434 - Bank on Students Emergency Loan Refinance Act
Client expense: Not reported · Firm income: $10,000
Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, SENATE
2015 · fourth_quarter · Education
HR 3594: Federal Perkins Loan Program Extension Act of 2015 Official Title: To extend temporarily the Federal Perkins Loan program, and for other purposes(ALL). HR1310 and S.590: Campus Accountability and Safety Act Official Title: To amend the Higher Education Act of 1965 and the Jeanne Clery Disclosure of Campus Security Policy and Campus Crime Statistics Act to combat campus sexual violence, and for other purposes(ALL) S108: Financial Aid Simplification and Transparency Act of 2015 Official Title: A bill to amend the Higher Education Act of 1965 to improve access for students to Federal grants and loans to help pay for postsecondary, graduate, and professional educational opportunities, and for other purposes(ALL) HR. 1434 and S793: Bank on Students Emergency Loan Refinancing Act Official Title: A bill to amend the Higher Education Act of 1965 to provide for the refinancing of certain Federal student loans, and for other purposes(ALL). H.R.2731 National Collegiate Athletics Accountability Act Official Title: To amend section 487(a) of the Higher Education Act of 1965 to provide increased accountability of nonprofit athletic associations and to establish a commission to identify and examine issues of national concern related to the conduct of intercollegiate athletics, and for other purposes. HR3403: Safe Campus Act of 2015 To amend the Higher Education Act of 1965 to protect victims of sexual violence, to improve the adjudication of allegations related to sexual violence, and for other purposes(ALL). HR 3408: Fair Campus Act of 2015 To amend the Higher Education Act of 1965 to protect victims of sexual violence, to improve the adjudication by institutions of higher education of allegations related to sexual violence, and for other purposes(ALL). Pending legislation to reauthorize the Higher Education Act.
Client expense: $60,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2015 · 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 HR1131 - Fairness in Student Loan Lending Act HR1434 - Bank on Students Emergency Loan Refinancing Act S729 - Fairness for Struggling Students Act of 2015 S793 - Bank on Students Emergency Loan Refinancing Act S840 - Student Loan Borrower Bill of Rights 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 HR1491 - Partnership to Strengthen Homeownership Act of 2015 HR22 - DRIVE Act S2038 - Jumpstart GSE Reform Act HR2029 - Consolidated Appropriations Act, 2016 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. HR2353 - Highway and Transportation Funding Act of 2015 RESPA/TILA Amendments HR1113 - Portfolio Lending and Mortgage Access Act HR1210 - Portfolio Lending and Mortgage Access 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. TRID HR3192 - Homebuyers Assistance Act Short Sales HR4812 - Prompt Notification of Short Sales Act Mortgage Servicing Assets HR2029 - Consolidated Appropriations Act, 2016 Conversations with the Consumer Finance Protection Bureau (CFPB) on TRID/Know Before You Owe. Discussions with the Federal Housing Finance Agency (FHFA) on loan limits, guarantee fees, TRID, and GSE reform. Discussions with the Department of Housing and Urban Development (HUD) on FHA appraisal rules in the new handbook, condominium rules, and FHA premiums. Discussions with the Small Business Administration to discuss small business lending programs.
Client expense: $14,280,000 · 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 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), SENATE, Small Business Administration (SBA), Treasury, Dept of
2015 · fourth_quarter · Education
Issues related to private student lending, including: HR 509 - Student Loan Interest Deduction Act of 2015 HR 649 - Student Loan Refinancing Act HR 1131 - Fairness in Student Loan Lending Act HR 1352 - Student Loan Borrowers' Bill of Rights Act of 2015 HR 1434 - Bank on Students Emergency Loan Refinancing Act Hr 3450 - Student Debt Repayment Fairness Act S 793 - Bank on Students Emergency Loan Refinancing Act S 840 - Student Loan Borrower Bill of Rights
Client expense: $560,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE