CFPB Student Loan Integrity and Transparency Act of 2019

H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions Act (HEROES Act), the bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. H.R. 133, Consolidated Appropriations Act, 2021, a major government funding bill, which also included economic stimulus provisions due to the coronavirus pandemic. H.R. 748, Coronavirus Aid, Relief, and Economic Security (CARES Act), the bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. The fiscal Year 2021, Labor-HHS-Education funding bill, the bill is legislation to appropriate federal funds to the Departments of Labor, Human and Health Services, and Education. The funding also provides funding for operations, personnel, equipment and activities at these federal agencies. H.J. Res. 76: Congressional Review Act resolution would disapprove of the rule submitted by the Department of Education relating to Borrower Defense Institutional Accountability. S.J. Res. 56: Congressional Review Act resolution would disapprove of the rule submitted by the Department of Education relating to Borrower Defense Institutional Accountability. S. 867 and H.R. 3512: The Preventing Risky Operations from Threatening the Education and Career Trajectories of Students Act of 2019 (PROTECT Students Act), the bill proposes to change the current 90/10 to 85/15 and count U.S. Department of Defense Tuition Assistance and the U.S. Department of Veterans Affairs Post-9/11 GI Bill education assistance in the numerator. H.R. 3487: The PRO Students Act sections on changing the current 90/10 rule to 85/15 and count veterans education benefits in the numerator; marketing restrictions; and establishment of an oversight committee specific to proprietary institutions; borrower defense. H.R. 3369: a bill that changes the 90/10 rule to 80/20 and includes federal funds such as military tuition assistance and veteran education benefits. S. 608 and H.R. 1430: The Court Legal Access and Student Support Act of 2019, would provide that chapter 1 of title 9 of the United States Code, relating to the enforcement of arbitration agreements, shall not apply to enrollment agreements made between students and certain institutions of higher education; and to prohibit limitations on the ability of students to pursue claims against certain institutions of higher education. S. 839 and H.R. 3497: The Jumpstart Our Businesses by Supporting Students Act of 2019, would extend Federal Pell Grant eligibility of certain short-term programs. The bill would change the definition of Institution of Higher Education to include proprietary institutions. S. 720 and H.R. 2833: CFPB Student Loan Integrity and Transparency Act of 2019, would require the student loan ombudsman of the Department of Education to provide student loan data to the Bureau of Consumer Financial Protection, and for other purposes. H.R. 3179: Protecting Our Students and Taxpayers Act of 2019, would amend the Higher Education Act of 1965 regarding proprietary institutions of higher education in order to protect students and taxpayers. H.R. 4206: Student and Taxpayer Protection Act, would amend the Higher Education Act of 1965 to include requirements for programs of training to prepare students for gainful employment in a recognized occupation. S. 3114: 90/10 Accountability for All Act, would require that all institutions of higher education participating in student financial assistance programs under title IV of the Higher Education Act of 1965 meet certain revenue requirements. S. 2857: Protect Veterans Education and Taxpayer Spending Act of 2019, would amend the Higher Education Act of 1965 to count military and veterans education benefits as Federal educational assistance, and for other purposes. H.R. 748: Coronavirus Aid, Relief, and Economic Security Act (CARES Act), the bill responded to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. H.R. 6201: Families First Coronavirus Response Act, the bill responded to the COVID-19 (i.e., coronavirus disease 2019) outbreak by providing paid sick leave, tax credits, and free COVID-19 testing; expanding food assistance and unemployment benefits; and increasing Medicaid funding. H.R. 6074: Coronavirus Preparedness and Response Supplemental Appropriations Act, The bill provided $8.3 billion in emergency funding for federal agencies to respond to the coronavirus outbreak. H.R. 266: Paycheck Protection Program and Health Care Enhancement Act, the bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak by providing additional funding for small business loans, health care providers, and COVID-19 testing. H.R. 7617: Defense, Commerce, Justice, Science, Energy and Water Development, Financial Services and General Government, Labor, Health Human Services, Education, Transportation, Housing, and Urban Development Appropriation Act, 2021, a $1.3 trillion appropriations package that included six different spending bills. The Fiscal Year 2021 spending bill encompassed the following appropriations bill in the package: Defense, Commerce, Justice, Science, Energy and Water Development, Financial Services and General Government, Homeland Security, Labor, Health and Human Services, Education, Transportation, Housing, and Urban Development Appropriations Act. H.R. 8337: Continuing Appropriations Act, 2021 and Other Extensions Act, the bill provides continuing FY2021 appropriations to federal agencies and extends expiring programs that address health care, surface transportation, agriculture, veterans benefits, and other issues. Met with the Department of Education officials to discuss borrower defense, 90/10 rule, short-term Pell program, and other education policies that would limit access to trade, technical, and career post-secondary institutions. Met with White House officials to discuss the White House paper titled Higher Education Act Reauthorization Principles, and its inclusion into the administrations top policy priorities. Met with White House Domestic Policy Council officials to discuss 90/10 rule, short-term Pell Grant program, borrower defense, and other policies that limit students access to trade, technical, and career post-secondary institutions. Met with the White House Office of Management and Budget officials to discuss borrower defense rule, 90/10 rule, and other policies that limit student access to trade, technical, and career post-secondary institutions.

Client expense: $180,000 · Firm income: Not reported

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

H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions Act (HEROES Act), the bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. H.R. 748, Coronavirus Aid, Relief, and Economic Security (CARES Act), the bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. FY 2021 Labor-HHS-Education funding bill, the bill is legislation to appropriate federal funds to the Departments of Labor, Human and Health Services, and Education. The funding also provides funding for operations, personnel, equipment and activities at these federal agencies. H.J. Res. 76: Congressional Review Act resolution would disapprove of the rule submitted by the Department of Education relating to Borrower Defense Institutional Accountability. S.J. Res. 56: Congressional Review Act resolution would disapprove of the rule submitted by the Department of Education relating to Borrower Defense Institutional Accountability. S. 867 and H.R. 3512: The Preventing Risky Operations from Threatening the Education and Career Trajectories of Students Act of 2019 (PROTECT Students Act), the bill proposes to change the current 90/10 to 85/15 and count U.S. Department of Defense Tuition Assistance and the U.S. Department of Veterans Affairs Post-9/11 GI Bill education assistance in the numerator. H.R. 3487: The PRO Students Act sections on changing the current 90/10 rule to 85/15 and count veterans education benefits in the numerator; marketing restrictions; and establishment of an oversight committee specific to proprietary institutions; borrower defense. H.R. 3369: a bill that changes the 90/10 rule to 80/20 and includes federal funds such as military tuition assistance and veteran education benefits. S. 608 and H.R. 1430: The Court Legal Access and Student Support Act of 2019, would provide that chapter 1 of title 9 of the United States Code, relating to the enforcement of arbitration agreements, shall not apply to enrollment agreements made between students and certain institutions of higher education; and to prohibit limitations on the ability of students to pursue claims against certain institutions of higher education. S. 839 and H.R. 3497: The Jumpstart Our Businesses by Supporting Students Act of 2019, would extend Federal Pell Grant eligibility of certain short-term programs. The bill would change the definition of Institution of Higher Education to include proprietary institutions. S. 720 and H.R. 2833: CFPB Student Loan Integrity and Transparency Act of 2019, would require the student loan ombudsman of the Department of Education to provide student loan data to the Bureau of Consumer Financial Protection, and for other purposes. H.R. 3179: Protecting Our Students and Taxpayers Act of 2019, would amend the Higher Education Act of 1965 regarding proprietary institutions of higher education in order to protect students and taxpayers. H.R. 4206: Student and Taxpayer Protection Act, would amend the Higher Education Act of 1965 to include requirements for programs of training to prepare students for gainful employment in a recognized occupation. S. 3114: 90/10 Accountability for All Act, would require that all institutions of higher education participating in student financial assistance programs under title IV of the Higher Education Act of 1965 meet certain revenue requirements. S. 2857: Protect Veterans Education and Taxpayer Spending Act of 2019, would amend the Higher Education Act of 1965 to count military and veterans education benefits as Federal educational assistance, and for other purposes. H.R. 748: Coronavirus Aid, Relief, and Economic Security Act (CARES Act), the bill responded to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. H.R. 6201: Families First Coronavirus Response Act, the bill responded to the COVID-19 (i.e., coronavirus disease 2019) outbreak by providing paid sick leave, tax credits, and free COVID-19 testing; expanding food assistance and unemployment benefits; and increasing Medicaid funding. H.R. 6074: Coronavirus Preparedness and Response Supplemental Appropriations Act, The bill provided $8.3 billion in emergency funding for federal agencies to respond to the coronavirus outbreak. H.R. 266: Paycheck Protection Program and Health Care Enhancement Act, the bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak by providing additional funding for small business loans, health care providers, and COVID-19 testing. H.R. 7617: Defense, Commerce, Justice, Science, Energy and Water Development, Financial Services and General Government, Labor, Health Human Services, Education, Transportation, Housing, and Urban Development Appropriation Act, 2021, a $1.3 trillion appropriations package that included six different spending bills. The Fiscal Year 2021 spending bill encompassed the following appropriations bill in the package: Defense, Commerce, Justice, Science, Energy and Water Development, Financial Services and General Government, Homeland Security, Labor, Health and Human Services, Education, Transportation, Housing, and Urban Development Appropriations Act. H.R. 8337: Continuing Appropriations Act, 2021 and Other Extensions Act, the bill provides continuing FY2021 appropriations to federal agencies and extends expiring programs that address health care, surface transportation, agriculture, veterans benefits, and other issues. Met with the Department of Education officials to discuss borrower defense, 90/10 rule, short-term Pell program, and other education policies that would limit access to trade, technical, and career post-secondary institutions. Met with White House officials to discuss the White House paper titled Higher Education Act Reauthorization Principles, and its inclusion into the administrations top policy priorities. Met with White House Domestic Policy Council officials to discuss 90/10 rule, short-term Pell Grant program, borrower defense, and other policies that limit students access to trade, technical, and career post-secondary institutions. Met with the White House Office of Management and Budget officials to discuss borrower defense rule, 90/10 rule, and other policies that limit student access to trade, technical, and career post-secondary institutions.

Issues related to private student lending, including: -HR 655 - Student Loan Repayment Assistance Act of 2019 -S. 887 - Know Before You Owe Federal Student Loan Act of 2019 -HR 1070 - Student Loan Interest Tax Deduction Expansion Act -HR 1798 - Students and Families Empowerment Act -S. 234 & HR 811 -Transparency in Student Lending Act -S. 720 - CFPB Student Loan Integrity and Transparency Act -HR 63 - Student Loan Disclosure Modernization Act -HR 781 - Student Loan Relief for Feds Act -S. 968 - Protect Student Borrowers Act of 2019 -S. 460 - Employer Participation in Repayment Act of 2019 -HR 770 - Student Loans in Bankruptcy Act of 2019 -HR 1899 - Student Loan Refinancing and Recalculation Act -S.888 - The True Cost of College Act of 2019 -S.681 & HR 1565 - Student Right to Know Before you Go Act -S. 768 & HR 1707 - Bank on Students Emergency Loan Refinancing Act -S. 800 & HR 1766 - College Transparency Act -S.867 - Protect Students Act of 2019 -HR 1810 - Kids to College Act of 2019 -S. 627 - SAFE Act of 2019 -S. 2557 Student Aid Improvement Act of 2019 -S. 3548 - CARES Act -HR 6316 - Emergency Assistance for Student Borrowers Act -HR 6800 - The Heroes Act -HR 6397 - The William M (Mac) Thornberry National Defense Authorization Act for Fiscal Year 2021 (Dean and Adams Amendments)

Client expense: $600,000 · Firm income: Not reported

Issues related to private student lending, including: -HR 655 - Student Loan Repayment Assistance Act of 2019 -S. 887 - Know Before You Owe Federal Student Loan Act of 2019 -HR 1070 - Student Loan Interest Tax Deduction Expansion Act -HR 1798 - Students and Families Empowerment Act -S. 234 & HR 811 -Transparency in Student Lending Act -S. 720 - CFPB Student Loan Integrity and Transparency Act -HR 63 - Student Loan Disclosure Modernization Act -HR 781 - Student Loan Relief for Feds Act -S. 968 - Protect Student Borrowers Act of 2019 -S. 460 - Employer Participation in Repayment Act of 2019 -HR 770 - Student Loans in Bankruptcy Act of 2019 -HR 1899 - Student Loan Refinancing and Recalculation Act -S.888 - The True Cost of College Act of 2019 -S.681 & HR 1565 - Student Right to Know Before you Go Act -S. 768 & HR 1707 - Bank on Students Emergency Loan Refinancing Act -S. 800 & HR 1766 - College Transparency Act -S.867 - Protect Students Act of 2019 -HR 1810 - Kids to College Act of 2019 -S. 627 - SAFE Act of 2019 -S. 2557 Student Aid Improvement Act of 2019 -S. 3548 - CARES Act -HR 6316 - Emergency Assistance for Student Borrowers Act -HR 6800 - The Heroes Act

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

H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions Act (HEROES Act), the bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. H.R. 748, Coronavirus Aid, Relief, and Economic Security (CARES Act), the bill responds to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. FY 2021 Labor-HHS-Education funding bill, the bill is legislation to appropriate federal funds to the Departments of Labor, Human and Health Services, and Education. The funding also provides funding for operations, personnel, equipment and activities at these federal agencies. H.J. Res. 76: Congressional Review Act resolution would disapprove of the rule submitted by the Department of Education relating to Borrower Defense Institutional Accountability. S.J. Res. 56: Congressional Review Act resolution would disapprove of the rule submitted by the Department of Education relating to Borrower Defense Institutional Accountability. S. 867 and H.R. 3512: The Preventing Risky Operations from Threatening the Education and Career Trajectories of Students Act of 2019 (PROTECT Students Act), the bill proposes to change the current 90/10 to 85/15 and count U.S. Department of Defense Tuition Assistance and the U.S. Department of Veterans Affairs Post-9/11 GI Bill education assistance in the numerator. H.R. 3487: The PRO Students Act sections on changing the current 90/10 rule to 85/15 and count veterans education benefits in the numerator; marketing restrictions; and establishment of an oversight committee specific to proprietary institutions; borrower defense. H.R. 3369: a bill that changes the 90/10 rule to 80/20 and includes federal funds such as military tuition assistance and veteran education benefits. S. 608 and H.R. 1430: The Court Legal Access and Student Support Act of 2019, would provide that chapter 1 of title 9 of the United States Code, relating to the enforcement of arbitration agreements, shall not apply to enrollment agreements made between students and certain institutions of higher education; and to prohibit limitations on the ability of students to pursue claims against certain institutions of higher education. S. 839 and H.R. 3497: The Jumpstart Our Businesses by Supporting Students Act of 2019, would extend Federal Pell Grant eligibility of certain short-term programs. The bill would change the definition of Institution of Higher Education to include proprietary institutions. S. 720 and H.R. 2833: CFPB Student Loan Integrity and Transparency Act of 2019, would require the student loan ombudsman of the Department of Education to provide student loan data to the Bureau of Consumer Financial Protection, and for other purposes. H.R. 3179: Protecting Our Students and Taxpayers Act of 2019, would amend the Higher Education Act of 1965 regarding proprietary institutions of higher education in order to protect students and taxpayers. H.R. 4206: Student and Taxpayer Protection Act, would amend the Higher Education Act of 1965 to include requirements for programs of training to prepare students for gainful employment in a recognized occupation. S. 3114: 90/10 Accountability for All Act, would require that all institutions of higher education participating in student financial assistance programs under title IV of the Higher Education Act of 1965 meet certain revenue requirements. S. 2857: Protect Veterans Education and Taxpayer Spending Act of 2019, would amend the Higher Education Act of 1965 to count military and veterans education benefits as Federal educational assistance, and for other purposes. H.R. 748: Coronavirus Aid, Relief, and Economic Security Act (CARES Act), the bill responded to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. H.R. 6201: Families First Coronavirus Response Act, the bill responded to the COVID-19 (i.e., coronavirus disease 2019) outbreak by providing paid sick leave, tax credits, and free COVID-19 testing; expanding food assistance and unemployment benefits; and increasing Medicaid funding. H.R. 6074: Coronavirus Preparedness and Response Supplemental Appropriations Act, The bill provided $8.3 billion in emergency funding for federal agencies to respond to the coronavirus outbreak. Met with the Department of Education officials to discuss borrower defense, 90/10 rule, short-term Pell program, and other education policies that would limit access to trade, technical, and career post-secondary institutions. Met with White House officials to discuss the White House paper titled Higher Education Act Reauthorization Principles, and its inclusion into the administrations top policy priorities. Met with White House Domestic Policy Council officials to discuss 90/10 rule, short-term Pell Grant program, borrower defense, and other policies that limit students access to trade, technical, and career post-secondary institutions. Met with the White House Office of Management and Budget officials to discuss borrower defense rule, 90/10 rule, and other policies that limit student access to trade, technical, and career post-secondary institutions.

Issues related to private student lending, including: -HR 655 - Student Loan Repayment Assistance Act of 2019 -S. 887 - Know Before You Owe Federal Student Loan Act of 2019 -HR 1070 - Student Loan Interest Tax Deduction Expansion Act -HR 1798 - Students and Families Empowerment Act -S. 234 & HR 811 -Transparency in Student Lending Act -S. 720 - CFPB Student Loan Integrity and Transparency Act -HR 63 - Student Loan Disclosure Modernization Act -HR 781 - Student Loan Relief for Feds Act -S. 968 - Protect Student Borrowers Act of 2019 -S. 460 - Employer Participation in Repayment Act of 2019 -HR 770 - Student Loans in Bankruptcy Act of 2019 -HR 1899 - Student Loan Refinancing and Recalculation Act -S.888 - The True Cost of College Act of 2019 -S.681 & HR 1565 - Student Right to Know Before you Go Act -S. 768 & HR 1707 - Bank on Students Emergency Loan Refinancing Act -S. 800 & HR 1766 - College Transparency Act -S.867 - Protect Students Act of 2019 -HR 1810 - Kids to College Act of 2019 -S. 627 - SAFE Act of 2019 -S. 2557 Student Aid Improvement Act of 2019 -S. 3548 - CARES Act -HR 6316 - Emergency Assistance for Student Borrowers Act

Client expense: $920,000 · Firm income: Not reported

H.J. Res. 76: Congressional Review Act resolution would disapprove of the rule submitted by the Department of Education relating to Borrower Defense Institutional Accountability. S.J. Res. 56: Congressional Review Act resolution would disapprove of the rule submitted by the Department of Education relating to Borrower Defense Institutional Accountability. S. 867 and H.R. 3512: The Preventing Risky Operations from Threatening the Education and Career Trajectories of Students Act of 2019 (PROTECT Students Act), the bill proposes to change the current 90/10 to 85/15 and count U.S. Department of Defense Tuition Assistance and the U.S. Department of Veterans Affairs Post-9/11 GI Bill education assistance in the numerator. H.R. 3487: The PRO Students Act sections on changing the current 90/10 rule to 85/15 and count veterans education benefits in the numerator; marketing restrictions; and establishment of an oversight committee specific to proprietary institutions; borrower defense. H.R. 3369: a bill that changes the 90/10 rule to 80/20 and includes federal funds such as military tuition assistance and veteran education benefits. S. 608 and H.R. 1430: The Court Legal Access and Student Support Act of 2019, would provide that chapter 1 of title 9 of the United States Code, relating to the enforcement of arbitration agreements, shall not apply to enrollment agreements made between students and certain institutions of higher education; and to prohibit limitations on the ability of students to pursue claims against certain institutions of higher education. S. 839 and H.R. 3497: The Jumpstart Our Businesses by Supporting Students Act of 2019, would extend Federal Pell Grant eligibility of certain short-term programs. The bill would change the definition of Institution of Higher Education to include proprietary institutions. S. 720 and H.R. 2833: CFPB Student Loan Integrity and Transparency Act of 2019, would require the student loan ombudsman of the Department of Education to provide student loan data to the Bureau of Consumer Financial Protection, and for other purposes. H.R. 3179: Protecting Our Students and Taxpayers Act of 2019, would amend the Higher Education Act of 1965 regarding proprietary institutions of higher education in order to protect students and taxpayers. H.R. 4206: Student and Taxpayer Protection Act, would amend the Higher Education Act of 1965 to include requirements for programs of training to prepare students for gainful employment in a recognized occupation. S. 3114: 90/10 Accountability for All Act, would require that all institutions of higher education participating in student financial assistance programs under title IV of the Higher Education Act of 1965 meet certain revenue requirements. S. 2857: Protect Veterans Education and Taxpayer Spending Act of 2019, would amend the Higher Education Act of 1965 to count military and veterans education benefits as Federal educational assistance, and for other purposes. H.R. 748: Coronavirus Aid, Relief, and Economic Security Act (CARES Act), the bill responded to the COVID-19 (i.e., coronavirus disease 2019) outbreak and its impact on the economy, public health, state and local governments, individuals, and businesses. H.R. 6201: Families First Coronavirus Response Act, the bill responded to the COVID-19 (i.e., coronavirus disease 2019) outbreak by providing paid sick leave, tax credits, and free COVID-19 testing; expanding food assistance and unemployment benefits; and increasing Medicaid funding. H.R. 6074: Coronavirus Preparedness and Response Supplemental Appropriations Act, The bill provided $8.3 billion in emergency funding for federal agencies to respond to the coronavirus outbreak. Met with the Department of Education officials to discuss borrower defense, 90/10 rule, short-term Pell program, and other education policies that would limit access to trade, technical, and career post-secondary institutions. Met with White House officials to discuss the White House paper titled Higher Education Act Reauthorization Principles, and its inclusion into the administrations top policy priorities. Met with White House Domestic Policy Council officials to discuss 90/10 rule, short-term Pell Grant program, borrower defense, and other policies that limit students access to trade, technical, and career post-secondary institutions. Met with the White House Office of Management and Budget officials to discuss borrower defense rule, 90/10 rule, and other policies that limit student access to trade, technical, and career post-secondary institutions.

Issues related to private student lending, including: -HR 655 - Student Loan Repayment Assistance Act of 2019 -S. 887 - Know Before You Owe Federal Student Loan Act of 2019 -HR 1070 - Student Loan Interest Tax Deduction Expansion Act -HR 1798 - Students and Families Empowerment Act -S. 234 & HR 811 -Transparency in Student Lending Act -S. 720 - CFPB Student Loan Integrity and Transparency Act -HR 63 - Student Loan Disclosure Modernization Act -HR 781 - Student Loan Relief for Feds Act -S. 968 - Protect Student Borrowers Act of 2019 -S. 460 - Employer Participation in Repayment Act of 2019 -HR 770 - Student Loans in Bankruptcy Act of 2019 -HR 1899 - Student Loan Refinancing and Recalculation Act -S.888 - The True Cost of College Act of 2019 -S.681 & HR 1565 - Student Right to Know Before you Go Act -S. 768 & HR 1707 - Bank on Students Emergency Loan Refinancing Act -S. 800 & HR 1766 - College Transparency Act -S.867 - Protect Students Act of 2019 -HR 1810 - Kids to College Act of 2019 -S. 627 - SAFE Act of 2019 -S. 2557 Student Aid Improvement Act of 2019

Client expense: $600,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE

Bills in the Senate: S. XXXX Jumpstart GSE Reform Act (provides reforms in the GSEs and also requires congressional approval before specified administrative changes to GSEs can be implemented.) S.331: Home Loan Quality Transparency Act of 2019 (This bill amends the Home Mortgage Disclosure Act of 1975 to modify the exemptions from certain disclosure requirements.) S. 630: Arbitration Fairness for Consumers Act (This bill prohibits a predispute arbitration agreement from being valid or enforceable if it requires arbitration of an employment, consumer, antitrust, or civil rights dispute.) S. 635: Restoring Statutory Rights and Interests of the States Act (This bill amends the Federal Arbitration Act to invalidate arbitration agreements between parties in certain commercial contracts or transactions if they require arbitration of a claim for damages or injunctive relief brought by an individual or small business arising from the alleged violation of a federal or state statute, the U.S. Constitution, or a state constitution, unless the written agreement to arbitrate is entered into by both parties after the claim has arisen and pertains solely to an existing claim.) S. 608: Court Legal Access and Student Support (CLASS) Act (This bill makes procedures for the enforcement of arbitration agreements inapplicable to an enrollment agreement between a student and an institution of higher education (IHE).) S. 672: Debt Free College Act, This bill establishes State-Federal partnerships to provide students the opportunity to attain higher education at in-State public institutions of higher education without debt, to provide Federal Pell Grant eligibility to DREAMer students, to repeal suspension of eligibility under the Higher Education Act of 1965 for drug-related offenses, and for other purposes. S. 720: the CFPB Student Loan Integrity Act, This bill requires the student loan ombudsman of the Department of Education to provide student loan data to the Bureau of Consumer Financial Protection, and for other purposes. S.867: PROTECT Students Act of 2019 ; To protect students of institutions of higher education and the taxpayer investment in institutions of higher education by improving oversight and accountability of institutions of higher education, particularly for-profit colleges, improving protections for students and borrowers, and ensuring the integrity of postsecondary education programs, and for other purposes S. 1074: the REAL Act, this bill reinstates Federal Pell Grant eligibility for individuals incarcerated in Federal and State penal institutions, and for other purposes. S. 1230, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) S. 1354: the Student Loan Borrower Bill of Rights, this bill requires certain protections for student loan borrowers, and for other purposes. S. 1414: the Student Borrower Bankruptcy Relief Act, To provide bankruptcy relief for student borrowers. S. XXXX: the Know Before You Owe Private Student Loan Act, to prevent unnecessary private student loan debt and improve transparency S XXXX: Higher Education Act Reauthorization, a bill to reauthorize the higher education act S. XXXX: Unnamed bill to limit interest on consumer loans to 36% Bills in the House: H.R. 6, American Dream and Promise Act, To authorize the cancellation of removal and adjustment of status of certain aliens, and for other purposes. H.R. 963, amends the Home Mortgage Disclosure Act of 1975 to modify the exemptions from certain disclosure requirements H.R. 1500, the Consumers First Act, This bill revises provisions related to the administration of the Consumer Financial Protection Bureau (CFPB), including establishing requirements for staffing levels, political appointees, and the publication of consumer complaints regarding consumer financial products or services. H.R. 1571, the Debt Free College Act, To establish State-Federal partnerships to provide students the opportunity to attain higher education at in-State public institutions of higher education without debt, to provide Federal Pell Grant eligibility to DREAMer students, to repeal suspension of eligibility under the Higher Education Act of 1965 for drug-related offenses, and for other purposes. H.R.2648 - Student Borrower Bankruptcy Relief Act of 2019, To provide bankruptcy relief for student borrowers. H.R. XXX, amends the Fair Credit Reporting Act to delay the inclusion in consumer credit reports and to establish requirements for debt collectors with respect to medical debt information of veterans due to inappropriate or delayed billing payments or reimbursements from the Department of Veterans Affairs, and for other purposes. H.R. 2750, Justice for Servicemembers Act, To amend title 9 of the United States Code to prohibit predispute arbitration agreements that force arbitration of certain disputes arising from claims of service members and veterans. H.R. 3027, Student Loan Borrower Bill or Rights, To require certain protections for student loan borrowers, and for other purposes. H.R. 3163, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2020 H.R. 3351 Financial Services and General Government Appropriations Act, 2020 H.R. 3375, Stop Bad Robocalls Act, To amend the Communications Act of 1934 to clarify the prohibitions on making robocalls, and for other purposes. H.R. 3512, PROTECT Students Act of 2019, To protect students of institutions of higher education and the taxpayer investment in institutions of higher education by improving oversight and accountability of institutions of higher education, particularly for-profit colleges, improving H.R. 6543, the Aim Higher Act, to amend and strengthen the Higher Education Act of 1965 so that every student has a path to a quality, debt-free degree or credential that leads to a rewarding career. H.R. XXXX, Protecting Consumers Access to Credit Act (This bill amends the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to state that bank loans that are valid when made as to their maximum rate of interest in accordance with federal law shall remain valid with respect to that rate regardless of whether a bank has subsequently sold or assigned the loan to a third party.) H.R. XXXX, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) H.R. 3674 the College Affordability Act, a bill to lower the costs of college for students and improve the quality of education H. R. 4724, To amend the definition of institution of higher education under the Higher Education Act of 1965 to exclude proprietary institutions of higher education, and for other purposes. H. R. 5294, To amend the Truth in Lending Act to establish a postsecondary education loan borrower bill of rights and to require certain creditors to obtain private loan certifications from institutions of higher education, to amend the Fair Credit Reporting Act to require the Bureau of Consumer Financial Protection to issue rules to establish standards for reporting information related to student loans to consumer reporting agencies, and for other purposes. H. R. 4545, To provide for the discharge of a private education loan in the case of death or total and permanent disability of a student obligor, and for other purposes. H.J.Res.76, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Education relating to "Borrower Defense Institutional Accountability" H. R. 5287 , To amend the Fair Debt Collection Practices Act to prohibit debt collectors from collecting on certain Federal student loan debt when the borrower would not be required to make payments under an income-driven repayment plan, and for other purposes. HR 5050 / s 2833, To amend the Truth in Lending Act to extend the consumer credit protections provided to members of the Armed Forces and their dependents under title 10, United States Code, to all consumers HR 5363/HR 2486/ HR 5368/ Public law No. 116-91, This bill permanently authorizes funding for minority-serving institutions of higher education and increases the authorization of appropriations for Pell Grants. H. R. 166, To establish an Office of Fair Lending Testing to test for compliance with the Equal Credit Opportunity Act, to strengthen the Equal Credit Opportunity Act and to provide for criminal penalties for violating such Act, and for other purposes H.R. 4674, To amend and strengthen the Higher Education Act to help students H.R. 5330, Consumer Protections for Medical Debt Collections Act, a bill which would provide relief to those struggling with health problems and medical debt by preventing collection of medical debt for two years from the date of the medical billing. H.R. 5287, Fair Student Loan Debt Collection Practices Act, a bill that would amend the Fair Debt Collection Practices Act to prohibit debt collectors from collecting on certain Federal student loan debt when the borrower would not be required to make payments under an income-driven repayment plan. H.R. 5021, The Ending Debt Collection Harassment Act of 2019, a bill to amend the Fair Debt Collection Practices Act (FDCPA) to prohibit a debt collector from contacting a consumer by email or text message without a consumers consent to be contacted electronically, and prohibits the Consumer Financial Protection Bureau (CFPB) from issuing any rules implementing the FDCPA that allow a debt collector to send unlimited email and text messages to a consumer. H.R. 5013, The Small Business Fair Debt Collection Protection Act, a bill that expands the FDCPAs protections to cover small business loans H.R. 5003, The Fair Debt Collection Practices for Servicemembers Act, a bill by that amends the FDCPA to prohibit debt collectors from threatening servicemembers or their families to have a servicemembers rank reduced, have their security clearance revoked, have them prosecuted under the Uniform Code of Military Justice, or communicating with a servicemembers chain of command to locate a servicemember. H.R. 5001, The Non-Judicial Foreclosure Debt Collection Clarification Act, a bill that reverses the recent Supreme Court decision in Obduskey versus McCarthy and Holthus LLP by amending the FDCPA to clarify that entities in non-judicial foreclosure proceedings are covered by the law H.R. 4403, The Stop Debt Collection Abuse Act, a bill that extends the FDCPAs protections as it relates to debt owed to a federal agency, limits the fees debt collectors can charge, and clarifies that debt buyers are subject to FDCPA H.R. 3948, The Debt Collection Practices Harmonization Act, a bill that clarifies that private debt collectors who pursue debts such as municipal utility bills, tolls, traffic tickets, and court debts are subject to the FDCPA H.R. 3490,The Small Business Lending Fairness Act, a bill that would amend the Truth in Lending Act (TILA) to restrict the use of predatory small business loan contract clauses called confessions of judgment.

H.J. Res. 76: Congressional Review Act resolution would disapprove of the rule submitted by the Department of Education relating to Borrower Defense Institutional Accountability. S.J. Res. 56: Congressional Review Act resolution would disapprove of the rule submitted by the Department of Education relating to Borrower Defense Institutional Accountability. S. 867 and H.R. 3512: The Preventing Risky Operations from Threatening the Education and Career Trajectories of Students Act of 2019 (PROTECT Students Act), the bill proposes to change the current 90/10 to 85/15 and count U.S. Department of Defense Tuition Assistance and the U.S. Department of Veterans Affairs Post-9/11 GI Bill education assistance in the numerator. H.R. 3487: The PRO Students Act sections on changing the current 90/10 rule to 85/15 and count veterans education benefits in the numerator; marketing restrictions; and establishment of an oversight committee specific to proprietary institutions; borrower defense. H.R. 3369: a bill that changes the 90/10 rule to 80/20 and includes federal funds such as military tuition assistance and veteran education benefits. S. 608 and H.R. 1430: The Court Legal Access and Student Support Act of 2019, would provide that chapter 1 of title 9 of the United States Code, relating to the enforcement of arbitration agreements, shall not apply to enrollment agreements made between students and certain institutions of higher education; and to prohibit limitations on the ability of students to pursue claims against certain institutions of higher education. S. 839 and H.R. 3497: The Jumpstart Our Businesses by Supporting Students Act of 2019, would extend Federal Pell Grant eligibility of certain short-term programs. The bill would change the definition of Institution of Higher Education to include proprietary institutions. S. 720 and H.R. 2833: CFPB Student Loan Integrity and Transparency Act of 2019, would require the student loan ombudsman of the Department of Education to provide student loan data to the Bureau of Consumer Financial Protection, and for other purposes. H.R. 3179: Protecting Our Students and Taxpayers Act of 2019, would amend the Higher Education Act of 1965 regarding proprietary institutions of higher education in order to protect students and taxpayers. H.R. 4206: Student and Taxpayer Protection Act, would amend the Higher Education Act of 1965 to include requirements for programs of training to prepare students for gainful employment in a recognized occupation. S. 3114: 90/10 Accountability for All Act, would require that all institutions of higher education participating in student financial assistance programs under title IV of the Higher Education Act of 1965 meet certain revenue requirements. S. 2857: Protect Veterans Education and Taxpayer Spending Act of 2019, would amend the Higher Education Act of 1965 to count military and veterans education benefits as Federal educational assistance, and for other purposes. Met with the Department of Education officials to discuss borrower defense, 90/10 rule, short-term Pell program, and other education policies that would limit access to trade, technical, and career post-secondary institutions. Met with White House officials to discuss the White House paper titled Higher Education Act Reauthorization Principles, and its inclusion into the administrations top policy priorities. Met with White House Domestic Policy Council officials to discuss 90/10 rule, short-term Pell Grant program, borrower defense, and other policies that limit students access to trade, technical, and career post-secondary institutions. Met with the White House Office of Management and Budget officials to discuss borrower defense rule, 90/10 rule, and other policies that limit student access to trade, technical, and career post-secondary institutions.

Bills in the Senate: S. XXXX Jumpstart GSE Reform Act (provides reforms in the GSEs and also requires congressional approval before specified administrative changes to GSEs can be implemented.) S.331: Home Loan Quality Transparency Act of 2019 (This bill amends the Home Mortgage Disclosure Act of 1975 to modify the exemptions from certain disclosure requirements.) S. 630: Arbitration Fairness for Consumers Act (This bill prohibits a predispute arbitration agreement from being valid or enforceable if it requires arbitration of an employment, consumer, antitrust, or civil rights dispute.) S. 635: Restoring Statutory Rights and Interests of the States Act (This bill amends the Federal Arbitration Act to invalidate arbitration agreements between parties in certain commercial contracts or transactions if they require arbitration of a claim for damages or injunctive relief brought by an individual or small business arising from the alleged violation of a federal or state statute, the U.S. Constitution, or a state constitution, unless the written agreement to arbitrate is entered into by both parties after the claim has arisen and pertains solely to an existing claim.) S. 608: Court Legal Access and Student Support (CLASS) Act (This bill makes procedures for the enforcement of arbitration agreements inapplicable to an enrollment agreement between a student and an institution of higher education (IHE).) S. 672: Debt Free College Act, This bill establishes State-Federal partnerships to provide students the opportunity to attain higher education at in-State public institutions of higher education without debt, to provide Federal Pell Grant eligibility to DREAMer students, to repeal suspension of eligibility under the Higher Education Act of 1965 for drug-related offenses, and for other purposes. S. 720: the CFPB Student Loan Integrity Act, This bill requires the student loan ombudsman of the Department of Education to provide student loan data to the Bureau of Consumer Financial Protection, and for other purposes. S.867: PROTECT Students Act of 2019 ; To protect students of institutions of higher education and the taxpayer investment in institutions of higher education by improving oversight and accountability of institutions of higher education, particularly for-profit colleges, improving protections for students and borrowers, and ensuring the integrity of postsecondary education programs, and for other purposes S. 1074: the REAL Act, this bill reinstates Federal Pell Grant eligibility for individuals incarcerated in Federal and State penal institutions, and for other purposes. S. 1230, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) S. 1354: the Student Loan Borrower Bill of Rights, this bill requires certain protections for student loan borrowers, and for other purposes. S. 1414: the Student Borrower Bankruptcy Relief Act, To provide bankruptcy relief for student borrowers. S. XXXX: the Know Before You Owe Private Student Loan Act, to prevent unnecessary private student loan debt and improve transparency S XXXX: Higher Education Act Reauthorization, a bill to reauthorize the higher education act S. XXXX: Unnamed bill to limit interest on consumer loans to 36% Bills in the House: H.R. 6, American Dream and Promise Act, To authorize the cancellation of removal and adjustment of status of certain aliens, and for other purposes. H.R. 963, amends the Home Mortgage Disclosure Act of 1975 to modify the exemptions from certain disclosure requirements H.R. 1500, the Consumers First Act, This bill revises provisions related to the administration of the Consumer Financial Protection Bureau (CFPB), including establishing requirements for staffing levels, political appointees, and the publication of consumer complaints regarding consumer financial products or services. H.R. 1571, the Debt Free College Act, To establish State-Federal partnerships to provide students the opportunity to attain higher education at in-State public institutions of higher education without debt, to provide Federal Pell Grant eligibility to DREAMer students, to repeal suspension of eligibility under the Higher Education Act of 1965 for drug-related offenses, and for other purposes. H.R.2648 - Student Borrower Bankruptcy Relief Act of 2019, To provide bankruptcy relief for student borrowers. H.R. XXX, amends the Fair Credit Reporting Act to delay the inclusion in consumer credit reports and to establish requirements for debt collectors with respect to medical debt information of veterans due to inappropriate or delayed billing payments or reimbursements from the Department of Veterans Affairs, and for other purposes. H.R. 2750, Justice for Servicemembers Act, To amend title 9 of the United States Code to prohibit predispute arbitration agreements that force arbitration of certain disputes arising from claims of service members and veterans. H.R. 3027, Student Loan Borrower Bill or Rights, To require certain protections for student loan borrowers, and for other purposes. H.R. 3163, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2020 H.R. 3351 Financial Services and General Government Appropriations Act, 2020 H.R. 3375, Stop Bad Robocalls Act, To amend the Communications Act of 1934 to clarify the prohibitions on making robocalls, and for other purposes. H.R. 3512, PROTECT Students Act of 2019, To protect students of institutions of higher education and the taxpayer investment in institutions of higher education by improving oversight and accountability of institutions of higher education, particularly for-profit colleges, improving H.R. 6543, the Aim Higher Act, to amend and strengthen the Higher Education Act of 1965 so that every student has a path to a quality, debt-free degree or credential that leads to a rewarding career. H.R. XXXX, Protecting Consumers Access to Credit Act (This bill amends the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to state that bank loans that are valid when made as to their maximum rate of interest in accordance with federal law shall remain valid with respect to that rate regardless of whether a bank has subsequently sold or assigned the loan to a third party.) H.R. XXXX, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) H.R. 3674 the College Affordability Act, a bill to lower the costs of college for students and improve the quality of education

The Preventing Risky Operations from Threatening the Education and Career Trajectories of Students Act of 2019 (PROTECT Students Act) (S. 867 and H.R. 3512) proposes to change the current 90/10 to 85/15 and count U.S. Department of Defense Tuition Assistance and the U.S. Department of Veterans Affairs Post-9/11 GI Bill education assistance in the numerator. The PRO Students Act (H.R. 3487) sections on changing the current 90/10 rule to 85/15 and count veterans education benefits in the numerator; marketing restrictions; and establishment of an oversight committee specific to proprietary institutions; borrower defense. White House paper titled Higher Education Act Reauthorization Principles. H.R. 3369, a bill that changes the 90/10 rule to 80/20 and includes federal funds such as military tuition assistance and veteran education benefits (GI Bill). S.J.Res. 56 - a joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Education relating to Borrower Defense Institutional Accountability. H.J.Res. 76 - providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Education relating to Borrower Defense Institutional Accountability. S. 608 and H.R. 1430, Court Legal Access and Student Support - to provide that chapter 1 of title 9 of the United States Code, relating to the enforcement of arbitration agreements, shall not apply to enrollment agreements made between students and certain institutions of higher education; and to prohibit limitations on the ability of students to pursue claims against certain institutions of higher education. S. 839 and H.R. 3497, The Jumpstart Our Businesses by Supporting Students Act of 2019 - To extend Federal Pell Grant eligibility of certain short-term programs. Changing the definition of Institution of Higher Education to include proprietary institutions. S. 720 and H.R. 2833, CFPB Student Loan Integrity and Transparency Act of 2019 - To require the student loan ombudsman of the Department of Education to provide student loan data to the Bureau of Consumer Financial Protection, and for other purposes. H.R. 3112, For-Profit Fraud Act - To revise the 90-10 rule under the Higher Education Act of 1965, and for other purposes. H.R. 3179, Protecting Our Students and Taxpayers Act of 2019 - To amend the Higher Education Act of 1965 regarding proprietary institutions of higher education in order to protect students and taxpayers. H.R. 4206 Student and Taxpayer Protection Act - To amend the Higher Education Act of 1965 to include requirements for programs of training to prepare students for gainful employment in a recognized occupation. We met with the White House Office of Management and Budget officials to discuss borrower defense rule, 90/10 rule, and other policies that limit student access to trade and technical post-secondary institutions We met with the White House Domestic Policy Council officials to discuss 90/10 rule and other policies that limit student veteran's access to trade and technical post-secondary institutions. We met with the Department of Veterans Affairs Veterans Benefits Administration officials to discuss 90/10 rule other and other policies that limit student veteran's access to trade and technical post-secondary institutions. We met with the Department of Veterans Affairs Secretary office officials to discuss 90/10 rule other and other policies that limit student veteran's access to trade and technical post-secondary institutions. We met with the White House Office of Economic Initiatives officials to discuss policies that limit student access to trade and technical post-secondary institutions.

Issues related to private student lending, including: -HR 655 - Student Loan Repayment Assistance Act of 2019 -S. 887 - Know Before You Owe Federal Student Loan Act of 2019 -HR 1070 - Student Loan Interest Tax Deduction Expansion Act -HR 1798 - Students and Families Empowerment Act -S. 234 & HR 811 -Transparency in Student Lending Act -S. 720 - CFPB Student Loan Integrity and Transparency Act -HR 63 - Student Loan Disclosure Modernization Act -HR 781 - Student Loan Relief for Feds Act -S. 968 - Protect Student Borrowers Act of 2019 -S. 460 - Employer Participation in Repayment Act of 2019 -HR 770 - Student Loans in Bankruptcy Act of 2019 -HR 1899 - Student Loan Refinancing and Recalculation Act -S.888 - The True Cost of College Act of 2019 -S.681 & HR 1565 - Student Right to Know Before you Go Act -S. 768 & HR 1707 - Bank on Students Emergency Loan Refinancing Act -S. 800 & HR 1766 - College Transparency Act -S.867 - Protect Students Act of 2019 -HR 1810 - Kids to College Act of 2019 -S. 627 - SAFE Act of 2019 -S. 2557 Student Aid Improvement Act of 2019

Client expense: $420,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE

The Preventing Risky Operations from Threatening the Education and Career Trajectories of Students Act of 2019 (PROTECT Students Act) (S. 867 and H.R. 3512) proposes to change the current 90/10 to 85/15 and count U.S. Department of Defense Tuition Assistance and the U.S. Department of Veterans Affairs Post-9/11 GI Bill education assistance in the numerator. The PRO Students Act (H.R. 3487) sections on changing the current 90/10 rule to 85/15 and count veterans education benefits in the numerator; marketing restrictions; and establishment of an oversight committee specific to proprietary institutions; borrower defense. White House paper titled Higher Education Act Reauthorization Principles. H.R. 3369, a bill that changes the 90/10 rule to 80/20 and includes federal funds such as military tuition assistance and veteran education benefits (GI Bill). S.J.Res. 56 - a joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Education relating to Borrower Defense Institutional Accountability. H.J.Res. 76 - providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Education relating to Borrower Defense Institutional Accountability. S. 608 and H.R. 1430, Court Legal Access and Student Support - to provide that chapter 1 of title 9 of the United States Code, relating to the enforcement of arbitration agreements, shall not apply to enrollment agreements made between students and certain institutions of higher education; and to prohibit limitations on the ability of students to pursue claims against certain institutions of higher education. S. 839 and H.R. 3497, The Jumpstart Our Businesses by Supporting Students Act of 2019 - To extend Federal Pell Grant eligibility of certain short-term programs. Changing the definition of Institution of Higher Education to include proprietary institutions. S. 720 and H.R. 2833, CFPB Student Loan Integrity and Transparency Act of 2019 - To require the student loan ombudsman of the Department of Education to provide student loan data to the Bureau of Consumer Financial Protection, and for other purposes. H.R. 3112, For-Profit Fraud Act - To revise the 90-10 rule under the Higher Education Act of 1965, and for other purposes. H.R. 3179, Protecting Our Students and Taxpayers Act of 2019 - To amend the Higher Education Act of 1965 regarding proprietary institutions of higher education in order to protect students and taxpayers. H.R. 4206 Student and Taxpayer Protection Act - To amend the Higher Education Act of 1965 to include requirements for programs of training to prepare students for gainful employment in a recognized occupation. We met with the White House Office of Management and Budget officials to discuss borrower defense rule, 90/10 rule, and other policies that limit student access to trade and technical post-secondary institutions We met with the White House Domestic Policy Council officials to discuss 90/10 rule and other policies that limit student veteran's access to trade and technical post-secondary institutions. We met with the Department of Veterans Affairs Veterans Benefits Administration officials to discuss 90/10 rule other and other policies that limit student veteran's access to trade and technical post-secondary institutions. We met with the Department of Veterans Affairs Secretary office officials to discuss 90/10 rule other and other policies that limit student veteran's access to trade and technical post-secondary institutions. We met with the White House Office of Economic Initiatives officials to discuss policies that limit student access to trade and technical post-secondary institutions.

Bills in the Senate: S. XX Jumpstart GSE Reform Act (provides reforms in the GSEs and also requires congressional approval before specified administrative changes to GSEs can be implemented.) S.331: Home Loan Quality Transparency Act of 2019 (This bill amends the Home Mortgage Disclosure Act of 1975 to modify the exemptions from certain disclosure requirements.) S. 630: Arbitration Fairness for Consumers Act (This bill prohibits a predispute arbitration agreement from being valid or enforceable if it requires arbitration of an employment, consumer, antitrust, or civil rights dispute.) S. 635: Restoring Statutory Rights and Interests of the States Act (This bill amends the Federal Arbitration Act to invalidate arbitration agreements between parties in certain commercial contracts or transactions if they require arbitration of a claim for damages or injunctive relief brought by an individual or small business arising from the alleged violation of a federal or state statute, the U.S. Constitution, or a state constitution, unless the written agreement to arbitrate is entered into by both parties after the claim has arisen and pertains solely to an existing claim.) S. 608: Court Legal Access and Student Support (CLASS) Act (This bill makes procedures for the enforcement of arbitration agreements inapplicable to an enrollment agreement between a student and an institution of higher education (IHE).) S. 672: Debt Free College Act, This bill establishes State-Federal partnerships to provide students the opportunity to attain higher education at in-State public institutions of higher education without debt, to provide Federal Pell Grant eligibility to DREAMer students, to repeal suspension of eligibility under the Higher Education Act of 1965 for drug-related offenses, and for other purposes. S. 720: the CFPB Student Loan Integrity Act, This bill requires the student loan ombudsman of the Department of Education to provide student loan data to the Bureau of Consumer Financial Protection, and for other purposes. S.867: PROTECT Students Act of 2019 ; To protect students of institutions of higher education and the taxpayer investment in institutions of higher education by improving oversight and accountability of institutions of higher education, particularly for-profit colleges, improving protections for students and borrowers, and ensuring the integrity of postsecondary education programs, and for other purposes S. 1074: the REAL Act, this bill reinstates Federal Pell Grant eligibility for individuals incarcerated in Federal and State penal institutions, and for other purposes. S. 1230, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) S. 1354: the Student Loan Borrower Bill of Rights, this bill requires certain protections for student loan borrowers, and for other purposes. S. 1414: the Student Borrower Bankruptcy Relief Act, To provide bankruptcy relief for student borrowers. S. XXXX: the Know Before You Owe Private Student Loan Act, to prevent unnecessary private student loan debt and improve transparency S XXX, Higher Education Act Reauthorization, a bill to reauthorize the higher education act. Bills in the House: H.R. 6, American Dream and Promise Act, To authorize the cancellation of removal and adjustment of status of certain aliens, and for other purposes. H.R. 963, amends the Home Mortgage Disclosure Act of 1975 to modify the exemptions from certain disclosure requirements H.R. 1500, the Consumers First Act, This bill revises provisions related to the administration of the Consumer Financial Protection Bureau (CFPB), including establishing requirements for staffing levels, political appointees, and the publication of consumer complaints regarding consumer financial products or services. H.R. 1571, the Debt Free College Act, To establish State-Federal partnerships to provide students the opportunity to attain higher education at in-State public institutions of higher education without debt, to provide Federal Pell Grant eligibility to DREAMer students, to repeal suspension of eligibility under the Higher Education Act of 1965 for drug-related offenses, and for other purposes. H.R.2648 - Student Borrower Bankruptcy Relief Act of 2019, To provide bankruptcy relief for student borrowers. H.R. XXXX, amends the Fair Credit Reporting Act to delay the inclusion in consumer credit reports and to establish requirements for debt collectors with respect to medical debt information of veterans due to inappropriate or delayed billing payments or reimbursements from the Department of Veterans Affairs, and for other purposes. H.R. 2750, Justice for Servicemembers Act, To amend title 9 of the United States Code to prohibit predispute arbitration agreements that force arbitration of certain disputes arising from claims of servicemembers and veterans. H.R. 3027, Student Loan Borrower Bill or Rights, To require certain protections for student loan borrowers, and for other purposes. H.R. 3163, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2020 H.R. 3351 Financial Services and General Government Appropriations Act, 2020 H.R. 3375, Stop Bad Robocalls Act, To amend the Communications Act of 1934 to clarify the prohibitions on making robocalls, and for other purposes. H.R. 3512, PROTECT Students Act of 2019, To protect students of institutions of higher education and the taxpayer investment in institutions of higher education by improving oversight and accountability of institutions of higher education, particularly for-profit colleges, improving H.R. 6543, the Aim Higher Act, to amend and strengthen the Higher Education Act of 1965 so that every student has a path to a quality, debt-free degree or credential that leads to a rewarding career. H.R. XXXX, Protecting Consumers Access to Credit Act (This bill amends the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to state that bank loans that are valid when made as to their maximum rate of interest in accordance with federal law shall remain valid with respect to that rate regardless of whether a bank has subsequently sold or assigned the loan to a third party.) H.R. XXXX, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.)

Issues related to private student lending, including: -HR 655 - Student Loan Repayment Assistance Act of 2019 -S. 887 - Know Before You Owe Federal Student Loan Act of 2019 -HR 1070 - Student Loan Interest Tax Deduction Expansion Act -HR 1798 - Students and Families Empowerment Act -S. 234 & HR 811 -Transparency in Student Lending Act -S. 720 - CFPB Student Loan Integrity and Transparency Act -HR 63 - Student Loan Disclosure Modernization Act -HR 781 - Student Loan Relief for Feds Act -S. 968 - Protect Student Borrowers Act of 2019 -S. 460 - Employer Participation in Repayment Act of 2019 -HR 770 - Student Loans in Bankruptcy Act of 2019 -HR 1899 - Student Loan Refinancing and Recalculation Act -S.888 - The True Cost of College Act of 2019 -S.681 & HR 1565 - Student Right to Know Before you Go Act -S. 768 & HR 1707 - Bank on Students Emergency Loan Refinancing Act -S. 800 & HR 1766 - College Transparency Act -S.867 - Protect Students Act of 2019 -HR 1810 - Kids to College Act of 2019 -S. 627 - SAFE Act of 2019

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE

Issues related to private student lending, including: -HR 655 - Student Loan Repayment Assistance Act of 2019 -S. 887 - Know Before You Owe Federal Student Loan Act of 2019 -HR 1070 - Student Loan Interest Tax Deduction Expansion Act -HR 1798 - Students and Families Empowerment Act -S. 234 & HR 811 -Transparency in Student Lending Act -S. 720 - CFPB Student Loan Integrity and Transparency Act -HR 63 - Student Loan Disclosure Modernization Act -HR 781 - Student Loan Relief for Feds Act -S. 968 - Protect Student Borrowers Act of 2019 -S. 460 - Employer Participation in Repayment Act of 2019 -HR 770 - Student Loans in Bankruptcy Act of 2019 -HR 1899 - Student Loan Refinancing and Recalculation Act -S.888 - The True Cost of College Act of 2019 -S.681 & HR 1565 - Student Right to Know Before you Go Act -S. 768 & HR 1707 - Bank on Students Emergency Loan Refinancing Act -S. 800 & HR 1766 - College Transparency Act -S.867 - Protect Students Act of 2019 -HR 1810 - Kids to College Act of 2019 -S. 627 - SAFE Act of 2019

Client expense: $960,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, SENATE