NATIONAL FOUNDATION FOR CREDIT COUNSELING, INC.

Opposing section 5 of S. 1624, which would waive, for certain debtors, the pre-bankruptcy counseling requirement in section 109(h) of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (P.L. 109-8) ("BAPCPA"). Supporting implemenation and enforcement, by the Executive Office for U.S. Trustees at the U.S. Department of Justice, of the federal requirements applicable to credit counseling organizations that offer pre-bankruptcy counseling and pre-discharge education pursuant to BAPCPA.

Client expense: $40,000 · Firm income: —

Matched citations: S. 1624

Supporting enactment of the "Debt Settlement Consumer Protection Act of 2010" (H.R. 5387/S. 3264); supporting an amendment to the Telemarketing Sales Rule to protect consumers of debt settlement services and financial products; and supporting related initiatives to protect consumers of financial services and products. Supporting the development of regulatory language to clarify the meaning of the phrase "loan originator" as this phrase is used in the Secure and Fair Enforcement for Mortgage Licensing Act (Title V of P.L. 110-289). Providing recommendations to the executive branch regarding the establishment, within the U.S. Department of Housing and Urban Development, of a new Office of Housing Counseling, and the establishment, within the Consumer Financial Protection Bureau, of a new Office of Financial Literacy, as well as the simplification of overlapping mortgage disclosure forms that the Truth in Lending Act of 1968 and Real Estate Settlement Procedures Act of 1974 require lenders to provide to applicants (as required under the Dodd-Frank Wall Street Reform and Consumer Protection Act [P.L. 111-203]). Supporting the development, by the U.S. Treasury Secretary, of a proposed set of "Financial Education Core Competencies." Supporting the development, by the Financial Literacy and Education Commission (established under the Fair and Accurate Credit Transactions Act of 2003 [P.L. 108-159]) of a "National Strategy for Financial Literacy 2010" and related initiatives to promote the financial capability of all Americans. Supporting the continuation of funding for federal foreclosure mitigation counseling, housing counseling assistance, and related programs to assist struggling homeowners as well as funding for financial literacy programs. Supporting the development of legislation and regulations to promote the financial capability of all Americans.

Client expense: $40,000 · Firm income: —

Matched citations: S. 3264

Supporting the development and enactment of regulations and legislation relating to consumers of financial services and products, including the "Debt Settlement Consumer Protection Act of 2010" (H.R. 5387/S. 3624) and amendments to the Federal Trade Commission's Telemarketing Sales Rule that are designed to protect consumers of debt settlement products. Providing recommendations regarding the establishment of an Office of Financial Education within the Consumer Financial Protection Bureau.

Client expense: $40,000 · Firm income: —

Matched citations: S. 3624

Supporting the inclusion, in the U.S. House and U.S. Senate versions of the Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2011 (H.R. 5850/S. 3644) of funding for the Housing Counseling Assistance Program, the National Foreclosure Mitigation Counseling Program, and other federal initiatives to promote Americans' financial capability, such as the Community Development Financial Institution Fund's Financial Education and Counseling Program, the U.S. Financial Literacy and Education Commission's activities, and activities carried out by the federal Office of Financial Education.

Client expense: $40,000 · Firm income: —

Matched citations: S. 3644

Supporting the inclusion, in H.R. 5850/S. 3644, "Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2011," of funding for the Housing Counseling Assistance Program, the National Foreclosure Mitigation Counseling Program, and related credit counseling, financial literacy, and foreclosure prevention activities.

Client expense: $40,000 · Firm income: —

Matched citations: H.R. 5850

Supporting passage of S. 3264/H.R. 5387, "Debt Settlement Consumer Protection Act of 2010," and related initiatives to regulate the practices of debt settlement companies. Supporting funding for financial counseling and education programs and related initiatives to promote the financial literacy of all Americans. Supporting the development of regulatory language to clarify the meaning of the phrase "loan originator" as it is used in the Secure and Fair Enforcement for Mortgage Licensing Act (Title V of P.L. 110-289). Supporting efforts, by the executive branch, to establish an Office of Housing Counseling within the U.S. Department of Housing and Urban Development as well as an Office of Financial Literacy within the Consumer Financial Protection Bureau (as required under the Dodd-Frank Wall Street Reform and Consumer Protection Act [P.L. 111-203]). Supporting the development, by the U.S. Treasury Secretary, of a proposed set of "Financial Education Core Competencies." Supporting the development, by the Financial Literacy and Education Commission (established under the Fair and Accurate Credit Transactions Act of 2003 [P.L. 108-159]) of a "National Strategy for Financial Literacy 2010" and related initiatives to enhance the financial literacy of all Americans.

Client expense: $40,000 · Firm income: —

Matched citations: H.R. 5387

Supporting passage of S. 3624/H.R. 5387, "Debt Settlement Consumer Protection Act of 2010." Supporting efforts to establish an Office of Financial Literacy within the Consumer Financial Protection Bureau (as required under the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 [P.L. 111-203]) and related federal initiatives to protect consumers of financial products/services and enhance consumers' financial literacy.

Client expense: $40,000 · Firm income: —

Matched citations: H.R. 5387

Opposing the current version of section 5 of S. 1624, which would waive, for certain debtors, the pre-bankruptcy credit counseling requirement in section 109(h) of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (P.L.109-8). Supporting the implementation and enforcement of requirements for organizations that offer pre-bankruptcy credit counseling and discharge education (pursuant to section 109(h) of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005).

Client expense: $40,000 · Firm income: —

Matched citations: S. 1624

Supporting passage of S. 3264/H.R. 5387, "Debt Settlement Consumer Protection Act of 2010," and related initiatives to regulate the practices of debt settlement companies. Supporting funding for financial counseling and education programs and related initiatives to promote the financial literacy of all Americans. Supporting the development of regulatory language to clarify the meaning of the phrase "loan originator" as it is used in the Secure and Fair Enforcement for Mortgage Licensing Act (Title V of P.L. 110-289). Supporting efforts, by the executive branch, to establish an Office of Housing Counseling within the U.S. Department of Housing and Urban Development as well as an Office of Financial Literacy within the Consumer Financial Protection Bureau (as required under the Dodd-Frank Wall Street Reform and Consumer Protection Act [P.L. 111-203]). Supporting the development, by the U.S. Treasury Secretary, of a proposed set of "Financial Education Core Competencies." Supporting the development, by the Financial Literacy and Education Commission (established under the Fair and Accurate Credit Transactions Act of 2003 [P.L. 108-159]) of a "National Strategy for Financial Literacy 2010" and related initiatives to enhance the financial literacy of all Americans.

Client expense: $40,000 · Firm income: —

Matched citations: S. 3264

Supporting passage of S. 3624/H.R. 5387, "Debt Settlement Consumer Protection Act of 2010." Supporting efforts to establish an Office of Financial Literacy within the Consumer Financial Protection Bureau (as required under the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 [P.L. 111-203]) and related federal initiatives to protect consumers of financial products/services and enhance consumers' financial literacy.

Client expense: $40,000 · Firm income: —

Matched citations: S. 3624

Supporting the inclusion, in H.R. 5850/S. 3644, "Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2011," of funding for the Housing Counseling Assistance Program, the National Foreclosure Mitigation Counseling Program, and related credit counseling, financial literacy, and foreclosure prevention activities.

Client expense: $40,000 · Firm income: —

Matched citations: S. 3644

Supporting the development and introduction of S. 3264, "Debt Settlement Consumer Protection Act of 2010," and H.R. 5387, "Debt Settlement Consumer Protection Act of 2010," and related initiatives to protect consumers of debt relief services products.

Client expense: $40,000 · Firm income: —

Matched citations: H.R. 5387

Supporting the development and introduction of S. 3264, "Debt Settlement Consumer Protection Act of 2010," and H.R. 5387, "Debt Settlement Consumer Protection Act of 2010," and related initiatives to protect consumers of debt relief services products. Supporting funding for the financial counseling and education programs of the federal government and supporting the development of additional initiatives to promote the financial literacy of all Americans. Supporting the development of regulatory language to clarify the meaning of the term "loan originator" as it is used in the Secure and Fair Enforcement for Mortgage Licensing Act (Title V of P.L. 110-289). Supporting amendments 3891 and 3290 (to provide relief to struggling homeowners) to S. 3217, "The Restoring American Financial Stability Act of 2010," and supporting an additional change to S. 3217 with respect to the jurisdiction of the Consumer Financial Protection Bureau that would be established under the legislation.

Client expense: $40,000 · Firm income: —

Matched citations: H.R. 5387

Opposing section 5 of S. 1624, which would waive the credit counseling requirement in the federal bankruptcy code (under Section 111(a) of Title 11 of the United States Code) for certain debtors.

Client expense: $40,000 · Firm income: —

Matched citations: S. 1624

Supporting the development and introduction of S. 3264, "Debt Settlement Consumer Protection Act of 2010," and H.R. 5387, "Debt Settlement Consumer Protection Act of 2010," and related initiatives to protect consumers of debt relief services products.

Client expense: $40,000 · Firm income: —

Matched citations: S. 3264

Supporting the development and introduction of S. 3264, "Debt Settlement Consumer Protection Act of 2010," and H.R. 5387, "Debt Settlement Consumer Protection Act of 2010," and related initiatives to protect consumers of debt relief services products. Supporting funding for the financial counseling and education programs of the federal government and supporting the development of additional initiatives to promote the financial literacy of all Americans. Supporting the development of regulatory language to clarify the meaning of the term "loan originator" as it is used in the Secure and Fair Enforcement for Mortgage Licensing Act (Title V of P.L. 110-289). Supporting amendments 3891 and 3290 (to provide relief to struggling homeowners) to S. 3217, "The Restoring American Financial Stability Act of 2010," and supporting an additional change to S. 3217 with respect to the jurisdiction of the Consumer Financial Protection Bureau that would be established under the legislation.

Client expense: $40,000 · Firm income: —

Matched citations: S. 3264

Supporting financial counseling and financial literacy programs and activities of the federal government as well as the development of a resolution commemorating Financial Literacy Month 2010, passage of the Financial Education for Teachers and Students Act (H.R. 3730), introduction and passage of a U.S. House resolution commemorating "America Saves Week" (H. Res. 1082), and development of additional legislation and activities to promote greater financial literacy of Americans; supporting the development of regulatory language to clarify the meaning of the phrase "loan originator," as it is used in the Secure and Fair Enforcement for Mortgage Licensing Act (Title V of P.L. 110-289); supporting the development of regulatory language to clarify the requirements under Section 201 of the Credit Card Accountability, Responsibility and Disclosure Act of 2009 (P.L. 111-24).

Client expense: $40,000 · Firm income: —

Matched citations: H.R. 3730

Supporting financial counseling and financial literacy programs and activities of the federal government as well as the development of a resolution commemorating Financial Literacy Month 2010, passage of the Financial Education for Teachers and Students Act (H.R. 3730), introduction and passage of a U.S. House resolution commemorating "America Saves Week" (H. Res. 1082), and development of additional legislation and activities to promote greater financial literacy of Americans; supporting the development of regulatory language to clarify the meaning of the phrase "loan originator," as it is used in the Secure and Fair Enforcement for Mortgage Licensing Act (Title V of P.L. 110-289); supporting the development of regulatory language to clarify the requirements under Section 201 of the Credit Card Accountability, Responsibility and Disclosure Act of 2009 (P.L. 111-24).

Client expense: $40,000 · Firm income: —

Matched citations: H. Res. 1082

Opposing section 5 of S. 1624 (which would waive the credit counseling requirement in the federal bankruptcy code for certain debtors).

Client expense: $40,000 · Firm income: —

Matched citations: S. 1624

Supporting financial counseling and financial literacy, including endorsing H.R. 3730, to provide for financial literacy education in schools.

Client expense: $90,000 · Firm income: —

Matched citations: H.R. 3730

Opposing section 5 of S. 1624, which would waive the credit counseling requirement in the bankruptcy code for certain debtors.

Client expense: $90,000 · Firm income: —

Matched citations: S. 1624