Federal Adjustment in Reporting Student Credit Act of 2017

Issues related to the discharge of private student loan debt, including: HR 2366 - Student Loan Bankruptcy Parity Act of 2017 HR 137 - Stopping Abusive Student Loan Collection Practices in Bankruptcy Act of 2017 HR 2527 - Private Student Loan Bankruptcy Fairness Act of 2017 HR 2477; S 1162 - Bank on Students Emergency Loan Refinancing Act of 2017 HR 2366 - Discharge Student Loans in Bankruptcy Act of 2017 S 749 - Transparency in Student Lending Act of 2017 S 1066 - Federal Adjustment in Reporting (FAIR) Student Credit Act S 1262 - Fairness for Struggling Students Act of 2017

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues Related to Cyber Security, Data Security & Breach Notification Issues Related to Data Acquisition and Technology Accountability and Security Act Issues Related to the Consumer Financial Protection Bureau Legislation related to establishing a commission at the CFPB S. 105, Consumer Financial Protection Board Act of 2017, H.R. 5266 Financial Product Safety Commission Act of 2018 Issues related to the CFPBs rulemaking for prepaid cards Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act Issues related to Implementation of the TILA/RESPA Integrated Disclosures Issues related to anticipated rulemaking that would affect debt collection Issues related to Equal Credit Opportunity Act Issues related to CFPB Consumer Response Portal Issues related to Auto Guidance Issues related to CFPB Small-dollar Rule Issues related to H.R. 10, the Financial Choice Act of 2017 Issues related to Dodd-Frank Act, including Section 1071 S. 387, Consumer Financial Protection Bureau Accountability Act of 2017 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. 1283/S. 749, Transparency in Student Lending H.R. 1635, Empowering Students Through Enhanced Financial Counseling Act Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to bankruptcy protections for student loans Issues related to federal student loan reform H.R. 4508, Promoting Real Opportunity, Success, and Prosperity through Education Reform Act H.R. 4119, The Student Loan Disclosure Modernization Act S. 1066, Federal Adjustment in Reporting Student Credit Act Issues Related to Appropriations H.R. 3280 Financial Services and General Government Appropriations Act, 2018 Financial Services and General Government Appropriations Act, 2019 Issues Related to budget reconciliation Issues Related to FY18 budget Issues related to H.R. 1, Tax Cuts and Jobs Act of 2017 Issues related to S. 2237/H.R. 4545, Financial Institutions Examination Fairness and Reform Act Issues related to H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act of 2017 Issues related to H.R. 924, the Financial Institutions Due Process Act of 2017 Issues related to H.R. 2396, the Privacy Notification Technical Clarification Act Issues related to H.R. 4607, Comprehensive Regulatory Review Act Issues related to H.R. 4648, Home Mortgage Reporting Relief Act Issues Related to the Community Reinvestment Act Issues Related to the Fair Credit Reporting Act H.R. 4028, Promoting Responsible Oversight of Transactions and Examinations of Credit Technology Act of 2017 Issues Related to the Department of Labor Fiduciary Rule Issues Related to Flood Insurance H.R. 2874, 21st Century Flood Reform Act S. 1571, National Flood Insurance Program Reauthorization Act of 2017 Issues Related to unfair, deceptive, or abusive acts or practices under Dodd-Frank Act Issues Related to systemic risk designations S. 1893/H.R. 3312, Systemic Risk Designation Improvement Act of 2017 Issues related to the Ensuring Quality Unbiased Access to Loans Act H.R. 2706, Financial Institution Customer Protection Act of 2017 Issues related to financial regulatory coordination Issues related to oversight of SBA 7(a) Loan Program H.R. 4743/S. 2283, Small Business 7(a) Lending Oversight Reform Act of 2018 Issues related to H.R. 4452, Right to Lend Act of 2017 Issues related to S. 1642/H.R. 3299, Protecting Consumers Access to Credit Act of 2017 Issues related to S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act Issues Related to FinTech HR. 1457, the Making Online Banking Initiation Legal and Easy Act of 2017 Issues related to the E-SIGN Act H.R. 3299, Protecting Consumers Access to Credit Act of 2017 Issues related to H.R. 3857, Protecting Advice for Small Savers Act of 2017 Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance 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, regulation E, 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 Issues related to Small Business Act Issues related to FCC & FTC Do Not Call Registry Issues related to the Bank Secrecy Act and Anti-Money Laundering rules Issues related to the Counter Terrorism & Illicit Finance Act Issues related to the CFPB Request for Information Process Issues related to FinCEN Due Diligence Rule

Issues related to the discharge of private student loan debt, including: HR 2366 - Student Loan Bankruptcy Parity Act of 2017 HR 137 - Stopping Abusive Student Loan Collection Practices in Bankruptcy Act of 2017 HR 2527 - Private Student Loan Bankruptcy Fairness Act of 2017 HR 2477; S 1162 - Bank on Students Emergency Loan Refinancing Act of 2017 HR 2366 - Discharge Student Loans in Bankruptcy Act of 2017 S 749 - Transparency in Student Lending Act of 2017 S 1066 - Federal Adjustment in Reporting (FAIR) Student Credit Act S 1262 - Fairness for Struggling Students Act of 2017

Client expense: $770,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1345, Protect Children from Theft Act of 2017 - as it relates to protecting the credit of minors. H.R. 759, Ability to Repay Verification Enabling Act -as it relates to income and employment. H.R. 898, Credit Score Competition Act of 2017 - as it relates to credit scores and for other purposes. S. 744, Protecting Veterans Credit Act of 2017 - as it relates to credit reports. S. 314, FIX Credit Reporting Errors Act as it relates to FCRA. H.R. 402, the Fair Access to Credit Scores Act - as it relates it relates to credit scores. H.J Res. 111 - Providing for Congressional Disapproval under chapter 8, of title 5, United States code, of the rules submitted by Bureau of Consumer Financial Protection, relating to "Arbitration Agreements" Issues as it pertains to arbitration. S.J.Res.47-A joint resolution providing for Congressional Disapproval under chapter 8, of title 5, United States code, of the rules submitted by Bureau of Consumer Financial Protection, relating to "Arbitration Agreements". Issues as it pertains to arbitration. H.R.2359-FCRA Liability Harmonization Act-issues as it pertains to FCRA Liability Reform H.R.3755,Comprehensive Consumer Credit Reporting Reform Act of 2017, issues as it relates to the FCRA S.1819,Equal Employment for All Act of 2017, issues as it relates to employment screening H.R.3783,Equal Employment for All Act of 2017, issues as it relates to employment screening S.1815,Data Broker Accountability and Transparency Act of 2017, issues as it relates to data brokers S.1810,Free Credit Freeze Act, issues as it relates to credit freeze S.1758,Tenant Protection Act, issues as it relates to residential screening H.R.759, Ability to Repay Verification Enabling Act, issues as it relates to unemployment compensation S.1066,Federal Adjustment in Reporting Student Credit Act of 2017, issues as it relates to student lending S.1816, Freedom from Equifax Exploitation Act, issues as it relates to the FCRA H.R.435, The Credit Access and Inclusion Act of 2017, issues as it relates to alternative data H.R.2262, Free Credit Score of 2017, issues as it relates to credit scores H.R.3766,Credit Information Protection Act of 2017, issues as it relates to credit freeze H.R.3539, Mug Shots Elimination Act of 2017, issues as it relates to mug shots H.R.3878, Free Credit Freeze Act, issues as it relates to credit freeze H.R.4028, PROTECT Act of 2017, Issues as it relates to the FCRA H.R.1982,PROTECT Act of 2017, issues as it relates to the FCRA H.Con. Res.71,Budget Reconciliation, issues as it relates to privacy

Issues Related to Cyber Security & Data Security Issues Related to the Consumer Financial Protection Bureau Legislation related to establishing a commission at the CFPB and S. 105, Consumer Financial Protection Board Act of 2017 Issues related to the CFPBs rulemaking for prepaid cards Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act Issues related to Implementation of the TILA/RESPA Integrated Disclosures Issues related to anticipated rulemaking that would affect debt collection Issues related to Equal Credit Opportunity Act Issues related to CFPB Consumer Response Portal Issues related to Auto Guidance Issues related to CFPB Arbitration Rule Issues related to CFPB Small-dollar Rule Issues related to H.R. 10, the Financial Choice Act of 2017 Issues related to Dodd-Frank Act, including Section 1071 S. 387, Consumer Financial Protection Bureau Accountability Act of 2017 Issues related to S.J. Res.47/H.J. Res. 111, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements". 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. 1283/S. 749, Transparency in Student Lending H.R. 1635, Empowering Students Through Enhanced Financial Counseling Act Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to bankruptcy protections for student loans Issues related to federal student loan reform H.R. 4508, Promoting Real Opportunity, Success, and Prosperity through Education Reform Act H.R. 4119, The Student Loan Disclosure Modernization Act S. 1066, Federal Adjustment in Reporting Student Credit Act of 2017 Issues Related to Appropriations Financial Services and General Government Appropriations Act, 2018 Issues Related to budget reconciliation Issues Related to FY18 budget Issues related to H.R. 1, Tax Cuts and Jobs Act Issues related to S. 2237/H.R. 4545, Financial Institutions Examination Fairness and Reform Act Issues related to H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act of 2017 Issues related to H.R. 924, the Financial Institutions Due Process Act of 2017 Issues related to H.R. 2396, the Privacy Notification Technical Clarification Act Issues related to H.R. 4607, Comprehensive Regulatory Review Act Issues related to H.R. 4648, Home Mortgage Reporting Relief Act of 2017 Issues Related to the Community Reinvestment Act Issues Related to the Fair Credit Reporting Act H.R. 4028, Promoting Responsible Oversight of Transactions and Examinations of Credit Technology Act of 2017 Issues Related to the Department of Labor Fiduciary Rule Issues Related to Flood Insurance H.R. 2874, 21st Century Flood Reform Act S. 1571, National Flood Insurance Program Reauthorization Act of 2017 Issues Related to unfair, deceptive, or abusive acts or practices under Dodd-Frank Act Issues Related to systemic risk designations S. 1893/H.R. 3312, Systemic Risk Designation Improvement Act of 2017 Issues related to the Ensuring Quality Unbiased Access to Loans Act H.R. 2706, Financial Institution Customer Protection Act of 2017 Issues related to financial regulatory coordination Issues Related to Data Security & Breach Notification Issues related to oversight of SBA 7(a) Loan Program Issues related to H.R. 4452, Right to Lend Act of 2017 Issues related to S. 1642/H.R. 3299, Protecting Consumers Access to Credit Act of 2017 Issues related to S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act Issues Related to FinTech HR. 1457, the Making Online Banking Initiation Legal and Easy Act of 2017 Issues related to the E-SIGN Act Issues related to H.R. 3857, Protecting Advice for Small Savers Act of 2017 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 Issues related to Small Business Act Issues related to FCC & FTC Do Not Call Registry Issues related to the Bank Secrecy Act and Anti-Money Laundering rules Issues related to the Counter Terrorism & Illicit Finance Act

H.R. 1345, Protect Children from Theft Act of 2017 - as it relates to protecting the credit of minors. H.R. 759, Ability to Repay Verification Enabling Act -as it relates to income and employment. H.R. 898, Credit Score Competition Act of 2017 - as it relates to credit scores and for other purposes. S. 744, Protecting Veterans Credit Act of 2017 - as it relates to credit reports. S. 314, FIX Credit Reporting Errors Act as it relates to FCRA. H.R. 402, the Fair Access to Credit Scores Act - as it relates it relates to credit scores. H.J Res. 111 - Providing for Congressional Disapproval under chapter 8, of title 5, United States code, of the rules submitted by Bureau of Consumer Financial Protection, relating to "Arbitration Agreements" Issues as it pertains to arbitration. S.J.Res.47-A joint resolution providing for Congressional Disapproval under chapter 8, of title 5, United States code, of the rules submitted by Bureau of Consumer Financial Protection, relating to "Arbitration Agreements". Issues as it pertains to arbitration. H.R.2359-FCRA Liability Harmonization Act-issues as it pertains to FCRA Liability Reform H.R.3755,Comprehensive Consumer Credit Reporting Reform Act of 2017, issues as it relates to the FCRA S.1819,Equal Employment for All Act of 2017, issues as it relates to employment screening H.R.3783,Equal Employment for All Act of 2017, issues as it relates to employment screening S.1815,Data Broker Accountability and Transparency Act of 2017, issues as it relates to data brokers S.1810,Free Credit Freeze Act, issues as it relates to credit freeze S.1758,Tenant Protection Act, issues as it relates to residential screening H.R.759, Ability to Repay Verification Enabling Act, issues as it relates to unemployment compensation S.1066,Federal Adjustment in Reporting Student Credit Act of 2017, issues as it relates to student lending S.1816, Freedom from Equifax Exploitation Act, issues as it relates to the FCRA H.R.435, The Credit Access and Inclusion Act of 2017, issues as it relates to alternative data H.R.2262, Free Credit Score of 2017, issues as it relates to credit scores H.R.3766,Credit Information Protection Act of 2017, issues as it relates to credit freeze H.R.3539, Mug Shots Elimination Act of 2017, issues as it relates to mug shots H.R.3878, Free Credit Freeze Act, issues as it relates to credit freeze H.R.4028, PROTECT Act of 2017, Issues as it relates to the FCRA H.R.1982,PROTECT Act of 2017, issues as it relates to the FCRA H.Con. Res.71,Budget Reconciliation, issues as it relates to privacy

Issues related to the discharge of private student loan debt, including: HR 2366 - Student Loan Bankruptcy Parity Act of 2017 HR 137 - Stopping Abusive Student Loan Collection Practices in Bankruptcy Act of 2017 HR 2527 - Private Student Loan Bankruptcy Fairness Act of 2017 HR 2477; S 1162 - Bank on Students Emergency Loan Refinancing Act of 2017 HR 2366 - Discharge Student Loans in Bankruptcy Act of 2017 S 749 - Transparency in Student Lending Act of 2017 S 1066 - Federal Adjustment in Reporting (FAIR) Student Credit Act S 1262 - Fairness for Struggling Students Act of 2017

Client expense: $700,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1345, Protect Children from Theft Act of 2017 - as it relates to protecting the credit of minors. H.R. 759, Ability to Repay Verification Enabling Act -as it relates to income and employment. H.R. 898, Credit Score Competition Act of 2017 - as it relates to credit scores and for other purposes. S. 744, Protecting Veterans Credit Act of 2017 - as it relates to credit reports. S. 313, FIX Credit Reporting Errors Act as it relates to FCRA. H.R. 402, the Fair Access to Credit Scores Act - as it relates it relates to credit scores. H.J Res. 111 - Providing for Congressional Disapproval under chapter 8, of title 5, United States code, of the rules submitted by Bureau of Consumer Financial Protection, relating to "Arbitration Agreements" Issues as it pertains to arbitration. S.J.Res.47-A joint resolution providing for Congressional Disapproval under chapter 8, of title 5, United States code, of the rules submitted by Bureau of Consumer Financial Protection, relating to "Arbitration Agreements". Issues as it pertains to arbitration. H.R.2359-FCRA Liability Harmonization Act-issues as it pertains to FCRA Liability Reform S.1986,Freedom from Equifax Exploitation (FREE Act), issues as it pertains to the FCRA H.R.3755,Comprehensive Consumer Credit Reporting Reform Act of 2017, issues as it relates to the FCRA S.1819,Equal Employment for All Act of 2017, issues as it relates to employment screening H.R.3783,Equal Employment for All Act of 2017, issues as it relates to employment screening S.1815,Data Broker Accountability and Transparency Act of 2017, issues as it relates to data brokers S.1810,Free Credit Freeze Act, issues as it relates to credit freeze S.1758,Tenant Protection Act, issues as it relates to residential screening H.R.3860,IRS Data Verification Modernization Act of 2017, issues as it relates to IVES S.1958, IRS Data Verification Modernization Act of 2017, issues as it relates to IVES H.R.759, Ability to Repay Verification Enabling Act, issues as it relates to unemployment compensation S.1066,Federal Adjustment in Reporting Student Credit Act of 2017, issues as it relates to student lending S.1816, Freedom from Equifax Exploitation Act, issues as it relates to the FCRA H.R.435, The Credit Access and Inclusion Act of 2017, issues as it relates to alternative data H.R.2262, Free Credit Score of 2017, issues as it relates to credit scores H.R.3766,Credit Information Protection Act of 2017, issues as it relates to credit freeze H.R.3539, Mug Shots Elimination Act of 2017, issues as it relates to mug shots H.R.3878, Free Credit Freeze Act, issues as it relates to credit freeze H.R.10, Financial CHOICE Act of 2017, Issues as it relates to the FCRA H.R.4028, PROTECT Act of 2017, Issues as it relates to the FCRA H.R.1982,PROTECT Act of 2017, issues as it relates to the FCRA H.Con. Res.71,Budget Reconciliation, issues as it relates to privacy

Issues related to the discharge of private student loan debt, including: HR 2366 - Student Loan Bankruptcy Parity Act of 2017 HR 137 - Stopping Abusive Student Loan Collection Practices in Bankruptcy Act of 2017 HR 2527 - Private Student Loan Bankruptcy Fairness Act of 2017 HR 2477; S 1162 - Bank on Students Emergency Loan Refinancing Act of 2017 HR 2366 - Discharge Student Loans in Bankruptcy Act of 2017 S 749 - Transparency in Student Lending Act of 2017 S 1066 - Federal Adjustment in Reporting (FAIR) Student Credit Act S 1262 - Fairness for Struggling Students Act of 2017

Client expense: $440,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Higher Education Act reauthorization S. 1121 and H.R. 2434, College Transparency Act S. 1066, FAIR Student Credit Act H.R. 2679, Match Veterans to Student Loan Protections (MVP) Act H.R. 2526, POST GRAD Act

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

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

Issues related to the discharge of private student loan debt, including: Student Loan Bankruptcy Parity Act of 2015 (to be reintroduced) HR 137 - Stopping Abusive Student Loan Collection Practices in Bankruptcy Act of 2017 HR 2527 - Private Student Loan Bankruptcy Fairness Act of 2017 HR 2477; S 1162 - Bank on Students Emergency Loan Refinancing Act of 2017 HR 2366 - Discharge Student Loans in Bankruptcy Act of 2017 S 749 - Transparency in Student Lending Act of 2017 S 1066 - Federal Adjustment in Reporting (FAIR) Student Credit Act S 1262 - Fairness for Struggling Students Act of 2017

Client expense: $280,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE