JAMES BERGERON

General higher education financing and, specifically, federal and private student loan policy; loan servicing; loan collections; income-driven repayment plans; financial wellness and college access and success programs; reauthorization of the Higher Education Act; implementation of the Coronavirus Aid, Relief, and Economic Security (CARES) Act and subsequent packages to address the spread of the coronavirus pandemic, the impact of COVID-19 on federal and private student loan borrowers, the U.S. Department of Educations implementation of Dear Colleague Letter 21-03 and Operation Fresh Start regarding defaulted borrowers with loans under the Federal Family Education Loan Program (FFELP), and the U.S. Department of Educations implementation of a federal student loan forgiveness plan under the HEROES Act; budget and appropriations issues relating to higher education, including the Department of Labor/Health and Human Services/Education Appropriations Act for Fiscal Year 2024, and the Consolidated Appropriations Act for Fiscal Years 2023, 2022, 2021, 2020, 2019, 2018, 2017, and 2016 (Labor/HHS/Education portion); implementation of the Fostering Undergraduate Talent by Unlocking Resources for Education (FUTURE) Act and the Free Application for Federal Student Aid (FAFSA) Simplification Act; implementation of the Health Care and Education Reconciliation Act (PL 111-152); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203) and amendments thereto made by the Economic Growth, Regulatory Relief, and Consumer Protection Act (Public Law 115-174); implementation of the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)); and tax-exempt financing of private activity bonds for education loans.

General higher education financing and, specifically, federal and private student loan policy; loan servicing; loan collections; income-driven repayment plans; financial wellness and college access and success programs; reauthorization of the Higher Education Act; implementation of the Coronavirus Aid, Relief, and Economic Security (CARES) Act and subsequent packages to address the spread of the coronavirus pandemic, the impact of COVID-19 on federal and private student loan borrowers, the U.S. Department of Educations implementation of Dear Colleague Letter 21-03 and Operation Fresh Start regarding defaulted borrowers with loans under the Federal Family Education Loan Program (FFELP), and the U.S. Department of Educations implementation of a federal student loan forgiveness plan under the HEROES Act; budget and appropriations issues relating to higher education, including the Department of Labor/Health and Human Services/Education Appropriations Act for Fiscal Year 2023, and the Consolidated Appropriations Act for Fiscal Years 2022, 2021, 2020, 2019, 2018, 2017, and 2016 (Labor/HHS/Education portion); implementation of the Fostering Undergraduate Talent by Unlocking Resources for Education (FUTURE) Act; implementation of the Health Care and Education Reconciliation Act (PL 111-152); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203) and amendments thereto made by the Economic Growth, Regulatory Relief, and Consumer Protection Act (Public Law 115-174); implementation of the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)); and tax-exempt financing of private activity bonds for education loans.

General higher education financing and, specifically, federal and private student loan policy; loan servicing; loan collections; income-driven repayment plans; financial wellness and college access and success programs; reauthorization of the Higher Education Act; implementation of the Coronavirus Aid, Relief, and Economic Security (CARES) Act and subsequent packages to address the spread of the coronavirus pandemic, the impact of COVID-19 on federal and private student loan borrowers, the U.S. Department of Educations implementation of Dear Colleague Letter 21-03 and Operation Fresh Start regarding defaulted borrowers with loans under the Federal Family Education Loan Program (FFELP), and the U.S. Department of Educations implementation of a federal student loan forgiveness plan under the HEROES Act; budget and appropriations issues relating to higher education, including the Department of Labor/Health and Human Services/Education Appropriations Act for Fiscal Year 2023, and the Consolidated Appropriations Act for Fiscal Years 2022, 2021, 2020, 2019, 2018, 2017, and 2016 (Labor/HHS/Education portion); implementation of the Fostering Undergraduate Talent by Unlocking Resources for Education (FUTURE) Act; implementation of the Health Care and Education Reconciliation Act (PL 111-152); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203) and amendments thereto made by the Economic Growth, Regulatory Relief, and Consumer Protection Act (Public Law 115-174); implementation of the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)); and tax-exempt financing of private activity bonds for education loans.

General higher education financing and, specifically, federal and private student loan policy; loan servicing; loan collections; income-driven repayment plans; financial wellness and college access and success programs; reauthorization of the Higher Education Act; implementation of the Coronavirus Aid, Relief, and Economic Security (CARES) Act and subsequent packages to address the spread of the coronavirus pandemic, the impact of COVID-19 on federal and private student loan borrowers, the U.S. Department of Educations implementation of Dear Colleague Letter 21-03 and Operation Fresh Start regarding defaulted borrowers with loans under the Federal Family Education Loan Program (FFELP), and the U.S. Department of Educations implementation of a federal student loan forgiveness plan under the HEROES Act; budget and appropriations issues relating to higher education, including the Department of Labor/Health and Human Services/Education Appropriations Act for Fiscal Year 2023, and the Consolidated Appropriations Act for Fiscal Years 2022, 2021, 2020, 2019, 2018, 2017, and 2016 (Labor/HHS/Education portion); implementation of the Fostering Undergraduate Talent by Unlocking Resources for Education (FUTURE) Act; implementation of the Health Care and Education Reconciliation Act (PL 111-152); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203) and amendments thereto made by the Economic Growth, Regulatory Relief, and Consumer Protection Act (Public Law 115-174); implementation of the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)); and tax-exempt financing of private activity bonds for education loans.

General higher education financing and, specifically, federal and private student loan policy; loan servicing; loan collections; income-driven repayment plans; financial wellness and college access and success programs; reauthorization of the Higher Education Act; implementation of the Coronavirus Aid, Relief, and Economic Security (CARES) Act and subsequent packages to address the spread of the coronavirus pandemic, the impact of COVID-19 on federal and private student loan borrowers, and the U.S. Department of Educations implementation of Dear Colleague Letter 21-03 and Operation Fresh Start regarding defaulted borrowers with loans under the Federal Family Education Loan Program (FFELP); budget and appropriations issues relating to higher education, including the Department of Labor/Health and Human Services/Education Appropriations Act for Fiscal Year 2023, the Consolidated Appropriations Act for Fiscal Years 2022, 2021, 2020, 2019, 2018, 2017, and 2016 (Labor/HHS/Education portion); implementation of the Fostering Undergraduate Talent by Unlocking Resources for Education (FUTURE) Act; implementation of the Health Care and Education Reconciliation Act (PL 111-152); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203) and amendments thereto made by the Economic Growth, Regulatory Relief, and Consumer Protection Act (Public Law 115-174); implementation of the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)); and tax-exempt financing of private activity bonds for education loans.

General higher education financing and, specifically, federal and private student loan policy; loan servicing; loan collections; income-driven repayment plans; financial wellness and college access and success programs; reauthorization of the Higher Education Act; implementation of the Coronavirus Aid, Relief, and Economic Security (CARES) Act and subsequent packages to address the spread of the coronavirus pandemic, the impact of COVID-19 on federal and private student loan borrowers, and the U.S. Department of Educations implementation of Dear Colleague Letter 21-03 and Operation Fresh Start regarding defaulted borrowers with loans under the Federal Family Education Loan Program (FFELP); budget and appropriations issues relating to higher education, including the Department of Labor/Health and Human Services/Education Appropriations Act for Fiscal Year 2023, the Consolidated Appropriations Act for Fiscal Years 2022, 2021, 2020, 2019, 2018, 2017, and 2016 (Labor/HHS/Education portion); implementation of the Fostering Undergraduate Talent by Unlocking Resources for Education (FUTURE) Act; implementation of the Health Care and Education Reconciliation Act (PL 111-152); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203) and amendments thereto made by the Economic Growth, Regulatory Relief, and Consumer Protection Act (Public Law 115-174); implementation of the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)); and tax-exempt financing of private activity bonds for education loans.

General higher education financing and, specifically, federal and private student loan policy; loan servicing; loan collections; income-driven repayment plans; financial wellness and college access and success programs; reauthorization of the Higher Education Act; implementation of the Coronavirus Aid, Relief, and Economic Security (CARES) Act and subsequent packages to address the spread of the coronavirus pandemic, and the impact of COVID-19 on federal and private student loan borrowers; budget and appropriations issues relating to higher education, including the Department of Labor/Health and Human Services/Education Appropriations Act for Fiscal Year 2022, the Consolidated Appropriations Act for Fiscal Years 2021, 2020, 2019, 2018, 2017, and 2016 (Labor/HHS/Education portion); implementation of the Fostering Undergraduate Talent by Unlocking Resources for Education (FUTURE) Act; implementation of the Health Care and Education Reconciliation Act (PL 111-152); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203) and amendments thereto made by the Economic Growth, Regulatory Relief, and Consumer Protection Act (Public Law 115-174); implementation of the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)); and tax-exempt financing of private activity bonds for education loans.

General higher education financing and, specifically, federal and private student loan policy; loan servicing; loan collections; income-driven repayment plans; financial wellness and college access and success programs; reauthorization of the Higher Education Act; implementation of the Fostering Undergraduate Talent by Unlocking Resources for Education (FUTURE) Act; implementation of the Health Care and Education Reconciliation Act (PL 111-152); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203) and amendments thereto made by the Economic Growth, Regulatory Relief, and Consumer Protection Act (Public Law 115-174); implementation of the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)); tax-exempt financing of private activity bonds for education loans; budget and appropriations issues relating to higher education, including the Department of Labor/Health and Human Services/Education Appropriations Act for Fiscal Year 2022, the Consolidated Appropriations Act for Fiscal Years 2021, 2020, 2019, 2018, 2017, and 2016 (Labor/HHS/Education portion), and sequestration under the Budget Control Act of 2011; and passage and implementation of the Coronavirus Aid, Relief, and Economic Security (CARES) Act and subsequent packages to address the spread of the coronavirus pandemic, and the impact of COVID-19 on federal and private student loan borrowers.

General higher education financing and, specifically, federal and private student loan policy; loan servicing; loan collections; income-driven repayment plans; financial wellness and college access and success programs; reauthorization of the Higher Education Act; implementation of the Fostering Undergraduate Talent by Unlocking Resources for Education (FUTURE) Act; Consumer Financial Protection Bureau (CFPB) activities relating to federal and private education loans, loan servicing, and debt collections; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act and amendments thereto made by the Economic Growth, Regulatory Relief, and Consumer Protection Act; implementation of the TRACED [Telephone Robocall Abuse Criminal Enforcement and Deterrence] Act and Bipartisan Budget Act of 2015, specifically the restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA); tax-exempt financing of private activity bonds for education loans; budget and appropriations issues relating to higher education, including the Department of Labor/Health and Human Services/Education Appropriations Act for Fiscal Year 2022, the Consolidated Appropriations Act for Fiscal Years 2021, 2020, 2019, 2018, 2017, and 2016 (Labor/HHS/Education portion); and passage and implementation of the Coronavirus Aid, Relief, and Economic Security (CARES) Act and subsequent packages to address the spread of the coronavirus pandemic, and the impact of COVID-19 on federal and private student loan borrowers.

General higher education financing and, specifically, federal and private student loan policy; loan servicing; loan collections; income-driven repayment plans; financial wellness and college access and success programs; reauthorization of the Higher Education Act; implementation of the Fostering Undergraduate Talent by Unlocking Resources for Education (FUTURE) Act; implementation of the Health Care and Education Reconciliation Act (PL 111-152); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203) and amendments thereto made by the Economic Growth, Regulatory Relief, and Consumer Protection Act (Public Law 115-174); implementation of the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)); tax-exempt financing of private activity bonds for education loans; budget and appropriations issues relating to higher education, including the Department of Labor/Health and Human Services/Education Appropriations Act for Fiscal Year 2021, the Consolidated Appropriations Act for Fiscal Years 2020, 2019, 2018, 2017, and 2016 (Labor/HHS/Education portion), and sequestration under the Budget Control Act of 2011; and passage and implementation of the Coronavirus Aid, Relief, and Economic Security (CARES) Act and subsequent packages to address the spread of the coronavirus pandemic, and the impact of COVID-19 on federal and private student loan borrowers.

General higher education financing and, specifically, federal and private student loan policy; loan servicing; loan collections; income-driven repayment plans; financial wellness and college access and success programs; reauthorization of the Higher Education Act; implementation of the Fostering Undergraduate Talent by Unlocking Resources for Education (FUTURE) Act; implementation of the Health Care and Education Reconciliation Act (PL 111-152); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203) and amendments thereto made by the Economic Growth, Regulatory Relief, and Consumer Protection Act (Public Law 115-174); implementation of the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)); tax-exempt financing of private activity bonds for education loans; budget and appropriations issues relating to higher education, including the Department of Labor/Health and Human Services/Education Appropriations Act for Fiscal Year 2021, the Consolidated Appropriations Act for Fiscal Years 2020, 2019, 2018, 2017, and 2016 (Labor/HHS/Education portion), and sequestration under the Budget Control Act of 2011; and passage and implementation of the Coronavirus Aid, Relief, and Economic Security (CARES) Act and subsequent packages to address the spread of the coronavirus pandemic, and the impact of COVID-19 on federal and private student loan borrowers.

General higher education financing and, specifically, federal and private student loan policy; loan servicing; loan collections; income-driven repayment plans; financial education and college access and success programs; reauthorization of the Higher Education Act; implementation of the Fostering Undergraduate Talent by Unlocking Resources for Education (FUTURE) Act; implementation of the Health Care and Education Reconciliation Act (PL 111-152); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203) and amendments thereto made by the Economic Growth, Regulatory Relief, and Consumer Protection Act (Public Law 115-174); implementation of the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)); tax-exempt financing of private activity bonds for education loans; budget and appropriations issues relating to higher education, including the Department of Labor/Health and Human Services/Education Appropriations Act for Fiscal Year 2021, the Consolidated Appropriations Act for Fiscal Years 2020, 2019, 2018, 2017, and 2016 (Labor/HHS/Education portion), and sequestration under the Budget Control Act of 2011; and passage and implementation of the Coronavirus Aid, Relief, and Economic Security (CARES) Act and subsequent packages to address the spread of the coronavirus pandemic, and the impact of COVID-19 on federal and private student loan borrowers.

General higher education financing and, specifically, federal and private student loan policy; loan servicing; loan collections; income-driven repayment plans; financial education and college access and success programs; reauthorization of the Higher Education Act; passage of the Fostering Undergraduate Talent by Unlocking Resources for Education (FUTURE) Act; implementation of the Health Care and Education Reconciliation Act (PL 111-152); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203) and amendments thereto made by the Economic Growth, Regulatory Relief, and Consumer Protection Act (Public Law 115-174); implementation of the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)); tax-exempt financing of private activity bonds for education loans; budget and appropriations issues relating to higher education, including the Department of Labor/Health and Human Services/Education Appropriations Act for Fiscal Year 2021, the Consolidated Appropriations Act for Fiscal Years 2020, 2019, 2018, 2017, and 2016 (Labor/HHS/Education portion), and sequestration under the Budget Control Act of 2011; and passage and implementation of the Coronavirus Aid, Relief, and Economic Security (CARES) Act and subsequent packages to address the spread of the coronavirus pandemic, and the impact of COVID-19 on federal and private student loan borrowers.

General higher education financing and, specifically, federal and private student loan policy; loan servicing; loan collections; income-driven repayment plans; financial education and college access and success programs; reauthorization of the Higher Education Act; passage of the Fostering Undergraduate Talent by Unlocking Resources for Education (FUTURE) Act; implementation of the Health Care and Education Reconciliation Act (PL 111-152); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203) and amendments thereto made by the Economic Growth, Regulatory Relief, and Consumer Protection Act (Public Law 115-174); implementation of the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)); tax-exempt financing of private activity bonds for education loans; and budget and appropriations issues relating to higher education, including the Department of Labor/Health and Human Services/Education Appropriations Act for Fiscal Year 2020, the Consolidated Appropriations Act for Fiscal Years 2019, 2018, 2017, and 2016 (Labor/HHS/Education portion), and sequestration under the Budget Control Act of 2011.

General higher education financing and, specifically, federal and private student loan policy; loan servicing; loan collections; income-driven repayment plans; financial education and college access and success programs; reauthorization of the Higher Education Act; passage of the Fostering Undergraduate Talent by Unlocking Resources for Education (FUTURE) Act and, specifically, its provision to repeal the payment of Account Maintenance Fees to guaranty agencies; implementation of the Health Care and Education Reconciliation Act (PL 111-152); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203) and amendments thereto made by the Economic Growth, Regulatory Relief, and Consumer Protection Act (Public Law 115-174); implementation of the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)); tax-exempt financing of private activity bonds for education loans; and budget and appropriations issues relating to higher education, including the Department of Labor/Health and Human Services/Education Appropriations Act for Fiscal Year 2020, the Consolidated Appropriations Act for Fiscal Years 2019, 2018, 2017, and 2016 (Labor/HHS/Education portion), and sequestration under the Budget Control Act of 2011.

General higher education financing and, specifically, federal and private student loan policy; loan servicing; loan collections; income-driven repayment plans; financial education and college access and success programs; reauthorization of the Higher Education Act; implementation of the Health Care and Education Reconciliation Act (PL 111-152); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203) and amendments thereto made by the Economic Growth, Regulatory Relief, and Consumer Protection Act (Public Law 115-174); implementation of the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)); tax-exempt financing of private activity bonds for education loans; and budget and appropriations issues relating to higher education, including the Department of Labor/Health and Human Services/Education Appropriations Act for Fiscal Year 2020, the Consolidated Appropriations Act for Fiscal Years 2019, 2018, 2017, and 2016 (Labor/HHS/Education portion), and sequestration under the Budget Control Act of 2011.

General higher education financing and, specifically, federal and private student loan policy; loan servicing; loan collections; income-driven repayment plans; financial education and college access and success programs; reauthorization of the Higher Education Act; implementation of the Health Care and Education Reconciliation Act (PL 111-152); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203) and amendments thereto made by the Economic Growth, Regulatory Relief, and Consumer Protection Act (Public Law 115-174); implementation of the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)); tax-exempt financing of private activity bonds for education loans; and budget and appropriations issues relating to higher education, including the Department of Labor/Health and Human Services/Education Appropriations Act for Fiscal Year 2020, the Consolidated Appropriations Act for Fiscal Years 2019, 2018, 2017, and 2016 (Labor/HHS/Education portion), and sequestration under the Budget Control Act of 2011.

General higher education financing and, specifically, federal and private student loan policy; loan servicing; loan collections; income-driven repayment plans; financial education and college access and success programs; reauthorization of the Higher Education Act; implementation of the Health Care and Education Reconciliation Act (PL 111-152); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203) and amendments thereto made by the Economic Growth, Regulatory Relief, and Consumer Protection Act (Public Law 115-174); implementation of the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)); tax-exempt financing of private activity bonds for education loans; and budget and appropriations issues relating to higher education, including the Department of Labor/Health and Human Services/Education Appropriations Act for Fiscal Year 2020, the Consolidated Appropriations Act for Fiscal Years 2019, 2018, 2017, and 2016 (Labor/HHS/Education portion), and sequestration under the Budget Control Act of 2011.

General higher education financing and, specifically, federal and private student loan policy; loan servicing, including the Not-for-Profit Servicer Program; loan collections; income-driven repayment plans; financial education and college access and success programs; reauthorization of the Higher Education Act; implementation of the Health Care and Education Reconciliation Act (PL 111-152); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); implementation of the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)); tax-exempt financing of private activity bonds for education loans; and budget and appropriations issues relating to higher education, including the Department of Labor/Health and Human Services/Education Appropriations Act for Fiscal Year 2019, the Consolidated Appropriations Act for Fiscal Years 2018, 2017, and 2016 (Labor/HHS/Education portion), and sequestration under the Budget Control Act of 2011.

General higher education financing and, specifically, federal and private student loan policy; loan servicing, including the Not-for-Profit Servicer Program; loan collections; income-driven repayment plans; financial education and college access and success programs; reauthorization of the Higher Education Act; implementation of the Health Care and Education Reconciliation Act (PL 111-152); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); implementation of the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)); tax-exempt financing of private activity bonds for education loans; and budget and appropriations issues relating to higher education, including the Department of Labor/Health and Human Services/Education Appropriations Act for Fiscal Year 2019, the Consolidated Appropriations Act for Fiscal Years 2018, 2017, and 2016 (Labor/HHS/Education portion), and sequestration under the Budget Control Act of 2011.

General higher education financing and, specifically, federal and private student loan policy; loan servicing, including the Not-for-Profit Servicer Program; loan collections; income-driven repayment plans; financial education and college access and success programs; reauthorization of the Higher Education Act; implementation of the Health Care and Education Reconciliation Act (PL 111-152); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); implementation of the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)); tax-exempt financing of private activity bonds for education loans; and budget and appropriations issues relating to higher education, including the Department of Labor/Health and Human Services/Education Appropriations Act for Fiscal Year 2019, the Consolidated Appropriations Act for Fiscal Years 2018, 2017, and 2016 (Labor/HHS/Education portion), and sequestration under the Budget Control Act of 2011.

General higher education financing and, specifically, federal and private student loan policy; loan servicing, including the Not-for-Profit Servicer Program; loan collections; income-driven repayment plans; financial education and college access and success programs; reauthorization of the Higher Education Act; implementation of the Health Care and Education Reconciliation Act (PL 111-152); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); implementation of the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)); tax-exempt financing of private activity bonds for education loans; and budget and appropriations issues relating to higher education, including the Department of Labor/Health and Human Services/Education Appropriations Act for Fiscal Year 2019, the Consolidated Appropriations Act for Fiscal Years 2018, 2017, and 2016 (Labor/HHS/Education portion), and sequestration under the Budget Control Act of 2011.

General higher education financing and, specifically, federal and private student loan policy; loan servicing, including the Not-for-Profit Servicer Program; loan collections; income-driven repayment plans; financial education and college access and success programs; reauthorization of the Higher Education Act; implementation of the Health Care and Education Reconciliation Act (PL 111-152); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); implementation of the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)); tax-exempt financing of private activity bonds for education loans; and budget and appropriations issues relating to higher education, including the Department of Labor/Health and Human Services/Education Appropriations Act for Fiscal Year 2018, the Financial Services Appropriations Act for Fiscal Year 2018, the Consolidated Appropriations Act for Fiscal Year 2016 and Fiscal Year 2017 (Labor/HHS/Education portion), and sequestration under the Budget Control Act of 2011.

General higher education financing and federal and private student loan policy; loan servicing, including the Not-for-Profit Servicer Program; loan collections; income-driven repayment plans; financial education and college access and success programs; reauthorization of the Higher Education Act; implementation of the Health Care and Education Reconciliation Act (PL 111-152); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); implementation of the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)); tax-exempt financing of private activity bonds for education loans; and budget and appropriations issues relating to higher education, including the Department of Labor/Health and Human Services/Education Appropriations Act for Fiscal Year 2018, the Financial Services Appropriations Act for Fiscal Year 2018, the Consolidated Appropriations Act for Fiscal Year 2016 and Fiscal Year 2017 (Labor/HHS/Education portion), and sequestration under the Budget Control Act of 2011.

General higher education financing and federal and private student loan policy; loan servicing, including the Not-for-Profit Servicer Program; loan collections; income-driven repayment plans; financial education and college access and success programs; reauthorization of the Higher Education Act; implementation of the Health Care and Education Reconciliation Act (PL 111-152); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); implementation of the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)); tax-exempt financing of private activity bonds for education loans; and budget and appropriations issues relating to higher education, including the Department of Labor/HHS/Education Appropriations Act for Fiscal Year 2018, the Financial Services Appropriations Act for Fiscal Year 2018, the Consolidated Appropriations Act for Fiscal Year 2016 and Fiscal Year 2017 (Labor/HHS/Education portion), and sequestration under the Budget Control Act of 2011.

General higher education financing and federal and private student loan policy; loan servicing, including the Not-for-Profit Servicer Program; loan collections; income-driven repayment plans; financial education and college access and success programs; reauthorization of the Higher Education Act; implementation of the Health Care and Education Reconciliation Act (PL 111-152); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); implementation of the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)); tax-exempt financing of municipal bonds; and budget and appropriations issues relating to higher education, including the Department of Labor/HHS/Education Appropriations Act for Fiscal Year 2017 and Fiscal Year 2018, the Financial Services Appropriations Act for Fiscal Year 2018, the Consolidated Appropriations Act for Fiscal Year 2016 (Labor/HHS/Education portion), and sequestration under the Budget Control Act of 2011.

General higher education financing and federal and private student loan policy; loan servicing, including the Not-for-Profit Servicer Program; loan collections; income-driven repayment plans; college access and financial literacy; reauthorization of the Higher Education Act; implementation of the Health Care and Education Reconciliation Act (PL 111-152); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); implementation of the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)); tax-exempt financing of municipal bonds; and budget and appropriations issues relating to higher education, including the Department of Labor/HHS/Education Appropriations Act for Fiscal Year 2017, the Consolidated Appropriations Act for Fiscal Year 2016 (Labor/HHS/Education portion) and sequestration under the Budget Control Act of 2011.

General student financial aid policy, including federal and private student loans; loan servicing, including implementation of the Not-for-Profit Servicer Program; loan collections; loan repayment, including income-driven repayment plans; college access and financial literacy; implementation of the Health Care and Education Reconciliation Act (PL 111-152); reauthorization of the Higher Education Act; Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation and reform of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)) and the HANGUP Act (S. 2235, H.R. 4682); and budget and tax issues relating to the Higher Education Act, the Labor, Health, Education, and Related Agencies Appropriations Act for Fiscal Year 2017, sequestration under the Budget Control Act of 2011, and Section 150(d) of the Internal Revenue Code.

General student financial aid policy, including federal and private student loans; loan servicing, including implementation of the Not-for-Profit Servicer Program; loan collections; loan repayment, including income-driven repayment plans; college access and financial literacy; implementation of the Health Care and Education Reconciliation Act (PL 111-152); reauthorization of the Higher Education Act; Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation and reform of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)) and the HANGUP Act (S. 2235, H.R. 4682); and budget and tax issues relating to the Higher Education Act, the Labor, Health, Education, and Related Agencies Appropriations Act for Fiscal Year 2017, sequestration under the Budget Control Act of 2011, and Section 150(d) of the Internal Revenue Code.

General student financial aid policy, including federal and private student loans; loan servicing, including implementation of the Not-for-Profit Servicer Program; loan collections; loan repayment, including income-driven repayment plans; college access and financial literacy; implementation of the Health Care and Education Reconciliation Act (PL 111-152); reauthorization of the Higher Education Act; Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation and reform of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)) and the HANGUP Act (S. 2235, H.R. 4682); and budget and tax issues relating to the Higher Education Act, the Labor, Health, Education, and Related Agencies Appropriations Act for Fiscal Year 2017, sequestration under the Budget Control Act of 2011, and Section 150(d) of the Internal Revenue Code.

General student financial aid policy, including federal and private student loans; loan servicing, including implementation of the Not-for-Profit Servicer Program; loan collections; loan repayment, including income-driven repayment plans; college access and financial literacy; implementation of the Health Care and Education Reconciliation Act (PL 111-152); reauthorization of the Higher Education Act; Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation and reform of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)) and the HANGUP Act (S. 2235); and budget and tax issues relating to the Higher Education Act, including the Consolidated Appropriations Act for Fiscal Year 2016 (Labor/HHS/Education portion), sequestration under the Budget Control Act of 2011, and Section 150(d) of the Internal Revenue Code.

General student loan and student financial aid policy; loan servicing, including the Not-for-Profit Servicer Program; loan collections; income-driven repayment (IBR) plans; college access and financial literacy; reauthorization of the Higher Education Act; implementation of the Health Care and Education Reconciliation Act (PL 111-152); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); and budget and tax issues relating to the Higher Education Act, including the Consolidated Appropriations Act for Fiscal Year 2016 (Labor/HHS/Education portion), the Bipartisan Budget Act of 2015 (restriction on contacting student loan borrowers under the Telephone Consumer Protection Act (TCPA)), and sequestration under the Budget Control Act of 2011.

General federal student financial aid, such as student loans, student loan servicing (including the Not-for-Profit Servicer program), student loan collections (including Private Collection Agencies), U.S. Department of Education oversight, and income-based repayment plans; budget and tax issues applicable to higher education (including how student loan organizations are chartered under section 150(d) of the Internal Revenue Code); college access and success, including financial literacy; restrictions on contacting student loan borrowers under the Telephone Consumer Protection Act; implementation of the Health Care and Education Reconciliation Act (PL 111-152); implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; sequestration under the Budget Control Act of 2011; and reauthorization of the Higher Education Act; and FY 2016 appropriations and budget reconciliation bills.

General federal student financial aid, such as student loans, student loan servicing (including the Not-for-Profit Servicer program), student loan collections (including Private Collection Agencies), U.S. Department of Education oversight, and income-based repayment plans; budget and tax issues applicable to higher education; college access and success, including financial literacy; restrictions on contacting student loan borrowers under the Telephone Consumer Protection Act; implementation of the Health Care and Education Reconciliation Act (PL 111-152); implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; sequestration under the Budget Control Act of 2011; and reauthorization of the Higher Education Act.

Reauthorization of the Higher Education Act; Consolidated Appropriations Act of 2014 (Labor/HHS/Education portion); Higher Education Affordability Act; Sequestration under the Budget Control Act of 2011; Implementation of the Health Care and Education Reconciliation Act (PL 111-152); Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; restriction on contacting student loan borrowers in the Telephone Consumer Protection Act (TCPA); and general student loan, loan servicing, income based repayment (IBR), budget and tax issues relating to the Higher Education Act, student financial aid, Department of Education oversight and Private Collection Agencies (PCA's), the Not-for-Profit servicer program, and college access and financial literacy.

Reauthorization of the Higher Education Act; Consolidated Appropriations Act of 2014 (Labor/HHS/Education portion); Higher Education Affordability Act; Sequestration under the Budget Control Act of 2011; Implementation of the Health Care and Education Reconciliation Act (PL 111-152); Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; restriction on contacting student loan borrowers in the Telephone Consumer Protection Act (TCPA); and general student loan, loan servicing, income based repayment (IBR), budget and tax issues relating to the Higher Education Act, student financial aid, Department of Education oversight and Private Collection Agencies (PCA's), the Not-for-Profit servicer program, and college access and financial literacy.

Reauthorization of the Higher Education Act; Consolidated Appropriations Act of 2014 (Labor/HHS/Education portion); Higher Education Affordability Act; Sequestration under the Budget Control Act of 2011; Implementation of the Health Care and Education Reconciliation Act (PL 111-152); Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; restriction on contacting student loan borrowers in the Telephone Consumer Protection Act (TCPA); and general student loan, loan servicing, income based repayment (IBR), budget and tax issues relating to the Higher Education Act, student financial aid, the Not-for-Profit servicer program, and college access and financial literacy.

Reauthorization of the Higher Education Act; Consolidated Appropriations Act of 2014 (Labor/HHS/Education portion); Higher Education Affordability Act; Sequestration under the Budget Control Act of 2011; Implementation of the Health Care and Education Reconciliation Act (PL 111-152); Student Loan Default Protection Act (HR 618); Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; restrictions on contacting student loan borrowers in the Telephone Consumer Protection Act (TCPA); and general student loan, loan servicing, income based repayment (IBR), budget and tax issues relating to the Higher Education Act, student financial aid, the Not-for-Profit servicer program, and college access and financial literacy.

Reauthorization of the Higher Education Act; Consolidated Appropriations Act of 2014 (Labor/HHS/Education portion); Higher Education Affordability Act; Sequestration under the Budget Control Act of 2011; Implementation of the Health Care and Education Reconciliation Act (PL 111-152); Student Loan Default Protection Act (HR 618); Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203); Consumer Financial Protection Bureau activities relating to private education loans, loan servicing, and debt collections; restrictions on contacting student loan borrowers in the Telephone Consumer Protection Act (TCPA); and general student loan, loan servicing, income based repayment (IBR), budget and tax issues relating to the Higher Education Act, student financial aid, the Not-for-Profit servicer program, and college access and financial literacy.

Reauthorization of the Higher Education Act; Consolidated Appropriations Act of 2014 (Labor/HHS/Education portion); Sequestration under the Budget Control Act of 2011; Implementation of the Health Care and Education Reconciliation Act (PL 111-152); Student Loan Default Protection Act (HR 618); Protecting Access to Medicare Act of 2014 (PL 113-93); Workforce Investment and Opportunity Act (WIOA); Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203). Consumer Financial Protection Bureau activities relating to private education loans, loan servicing and debt collections; restrictions on contacting student loan borrowers in the Telephone Consumer Protection Act; and general student loan, loan servicing, budget and tax issues relating to the Higher Education Act, student financial aid, the Not-for-Profit servicer program, and college access and financial literacy.

Reauthorization of the Higher Education Act; Consolidated Appropriations Act of 2014 (Labor/HHS/Education portion); Sequestration under the Budget Control Act of 2011; Implementation of the Health Care and Education Reconciliation Act (PL 111-152); Student Loan Default Protection Act (HR 618); Protecting Access to Medicare Act of 2014 (PL 113-93); Workforce Investment and Opportunity Act (WIOA); Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (PL 111-203). Consumer Financial Protection Bureau activities relating to private education loans, loan servicing and debt collections; restrictions on contacting student loan borrowers in the Telephone Consumer Protection Act; and general student loan, loan servicing, budget and tax issues relating to the Higher Education Act, student financial aid, the Not-for-Profit servicer program, and college access and financial literacy.