mr RICHARD WILLIAMS jr

Generally working to promote and protect funding to college student aid programs through the budget and appropriations process, including Pell Grants and Student Loans - eg S. 2051, HR 3826

HR 4348 Surface Transportation bill; House proposal, "Stop the Rate Hike Act of 2012; HR 4628 Interest Rate Reduction Act. S2366 Interest Rate Reduction Act Know Before You Owe financial aid shopping sheet initiative Public hearing for negotiated rulemaking session 2012

1) Support efforts to protect consumer housing, mortgage renegotiation and foreclosure protections. Restructure Mortgages in Bankruptcy and add foreclosure protections: Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Significant provisions added as Title 14 of Wall Street Reform and Consumer Protection Act. Support strongest versions of HR 2086/S 2049, Medical Debt Relief Act. Oppose HR 6363 to weaken FCRA.

Lobbying for money for student aid, specifically Pell Grant funding and student loan subsidies, withing the Labor, Health and Human Services, Education and Related Agencies Appropriations Subcommittee. S. 1346, HR 2669, S. 1483.

1)Reform Financial Services Regulation. Provided comments to hill and administrative agencies -- signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to the Dodd-Frank Wall Street Reform and Consumer Protection Act which had become law 21 July 2010. 2) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (had testified in House in March 2009). 3) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 4) Support efforts to implement strong consumer and transparency protections in various regulations including gift cards, credit cards, overdraft fees, before Federal Reserve and other financial agencies. 5) Testify (6/16/2010) before Senate Appropriations in support of Durbin interchange fee amendment to S 3217/HR 4173 and 4/28 before House Judiciary re support for antitrust interchange legislation, HR 2695. 6) Support efforts (Sec. 4901, HR 4173) to grant greater authority to FTC to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) Urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 9) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 10) Support S 1595, Deceptive Loan Check Elimination Act. Lobbied for an extension of the American Opportunity Tax Credit in a final tax deal.

1)Reform Financial Services Regulation. Provided comments to hill and administrative agencies -- signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to the Dodd-Frank Wall Street Reform and Consumer Protection Act which had become law 21 July 2010. 2) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (had testified in House in March 2009). 3) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 4) Support efforts to implement strong consumer and transparency protections in various regulations including gift cards, credit cards, overdraft fees, before Federal Reserve and other financial agencies. 5) Testify (6/16/2010) before Senate Appropriations in support of Durbin interchange fee amendment to S 3217/HR 4173 and 4/28 before House Judiciary re support for antitrust interchange legislation, HR 2695. 6) Support efforts (Sec. 4901, HR 4173) to grant greater authority to FTC to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) Urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 9) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 10) Support S 1595, Deceptive Loan Check Elimination Act. Lobbied for an extension of the American Opportunity Tax Credit in a final tax deal.

1)Reform Financial Services Regulation. Provided comments to hill and administrative agencies -- signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to the Dodd-Frank Wall Street Reform and Consumer Protection Act which had become law 21 July 2010. 2) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (had testified in House in March 2009). 3) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 4) Support efforts to implement strong consumer and transparency protections in various regulations including gift cards, credit cards, overdraft fees, before Federal Reserve and other financial agencies. 5) Testify (6/16/2010) before Senate Appropriations in support of Durbin interchange fee amendment to S 3217/HR 4173 and 4/28 before House Judiciary re support for antitrust interchange legislation, HR 2695. 6) Support efforts (Sec. 4901, HR 4173) to grant greater authority to FTC to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) Urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 9) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 10) Support S 1595, Deceptive Loan Check Elimination Act. Lobbied for an extension of the American Opportunity Tax Credit in a final tax deal.

1)Reform Financial Services Regulation. Provided comments to hill and administrative agencies -- signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to the Dodd-Frank Wall Street Reform and Consumer Protection Act which had become law 21 July 2010. 2) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (had testified in House in March 2009). 3) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 4) Support efforts to implement strong consumer and transparency protections in various regulations including gift cards, credit cards, overdraft fees, before Federal Reserve and other financial agencies. 5) Testify (6/16/2010) before Senate Appropriations in support of Durbin interchange fee amendment to S 3217/HR 4173 and 4/28 before House Judiciary re support for antitrust interchange legislation, HR 2695. 6) Support efforts (Sec. 4901, HR 4173) to grant greater authority to FTC to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) Urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 9) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 10) Support S 1595, Deceptive Loan Check Elimination Act. Lobbied for an extension of the American Opportunity Tax Credit in a final tax deal.

1)Reform Financial Services Regulation. Provided comments to hill and administrative agencies -- signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to the Dodd-Frank Wall Street Reform and Consumer Protection Act which had become law 21 July 2010. 2) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (had testified in House in March 2009). 3) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 4) Support efforts to implement strong consumer and transparency protections in various regulations including gift cards, credit cards, overdraft fees, before Federal Reserve and other financial agencies. 5) Testify (6/16/2010) before Senate Appropriations in support of Durbin interchange fee amendment to S 3217/HR 4173 and 4/28 before House Judiciary re support for antitrust interchange legislation, HR 2695. 6) Support efforts (Sec. 4901, HR 4173) to grant greater authority to FTC to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) Urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 9) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 10) Support S 1595, Deceptive Loan Check Elimination Act. Lobbied for an extension of the American Opportunity Tax Credit in a final tax deal.

H.R. 3082, a continuing resolution to fund programs through March 4th. Lobbied for full funding of the Pell grant. Fiscal accountability, spending cuts.

1)Reform Financial Services Regulation. Provided comments to hill and administrative agencies -- signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to the Dodd-Frank Wall Street Reform and Consumer Protection Act which had become law 21 July 2010. 2) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (had testified in House in March 2009). 3) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 4) Support efforts to implement strong consumer and transparency protections in various regulations including gift cards, credit cards, overdraft fees, before Federal Reserve and other financial agencies. 5) Testify (6/16/2010) before Senate Appropriations in support of Durbin interchange fee amendment to S 3217/HR 4173 and 4/28 before House Judiciary re support for antitrust interchange legislation, HR 2695. 6) Support efforts (Sec. 4901, HR 4173) to grant greater authority to FTC to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) Urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 9) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 10) Support S 1595, Deceptive Loan Check Elimination Act. Lobbied for an extension of the American Opportunity Tax Credit in a final tax deal.

1) Restructure Mortgages in Bankruptcy: Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Supported efforts to enact strongest possible provisions to allow bankruptcy judges to restructure first mortgages. Bills included S 61, HR 200 and HR 1106. 2) Support efforts to repeal/amend 2005 bankruptcy law (PL 109-8) restrictions on consumer rights. Testimony in House. 3) Testified at oversight hearing (House Judiciary) on credit cards and bankruptcy. 4) Creation of legislation to change 2006 Bankruptcy Laws which prevent dischargability of private student loans.

HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. Ending the use of offshore tax havens. Transparency in the Federal Reserve. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

Federak Reseve tranperancy; HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) Testified in support (9 Oct) of H.R. 2382, the Credit Card Interchange Fees Act of 2009. 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net including the Wall Street Reform and Consumer Protection Act--HR 4173. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

Federak Reseve tranperancy; HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) Testified in support (9 Oct) of H.R. 2382, the Credit Card Interchange Fees Act of 2009. 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net including the Wall Street Reform and Consumer Protection Act--HR 4173. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. Ending the use of offshore tax havens. Transparency in the Federal Reserve. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. Ending the use of offshore tax havens. Transparency in the Federal Reserve. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

Federak Reseve tranperancy; HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) Testified in support (9 Oct) of H.R. 2382, the Credit Card Interchange Fees Act of 2009. 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net including the Wall Street Reform and Consumer Protection Act--HR 4173. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. Ending the use of offshore tax havens. Transparency in the Federal Reserve. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

Federak Reseve tranperancy; HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) Testified in support (9 Oct) of H.R. 2382, the Credit Card Interchange Fees Act of 2009. 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net including the Wall Street Reform and Consumer Protection Act--HR 4173. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. Ending the use of offshore tax havens. Transparency in the Federal Reserve. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

Federak Reseve tranperancy; HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) Testified in support (9 Oct) of H.R. 2382, the Credit Card Interchange Fees Act of 2009. 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net including the Wall Street Reform and Consumer Protection Act--HR 4173. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

1) Restructure Mortgages in Bankruptcy: Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Supported efforts to enact strongest possible provisions to allow bankruptcy judges to restructure first mortgages. Bills included S 61, HR 200 and HR 1106. 2) Support efforts to repeal/amend 2005 bankruptcy law (PL 109-8) restrictions on consumer rights. Testimony in House. 3) Testified at oversight hearing (House Judiciary) on credit cards and bankruptcy. 4) Creation of legislation to change 2006 Bankruptcy Laws which prevent dischargability of private student loans.

Federak Reseve tranperancy; HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) Testified in support (9 Oct) of H.R. 2382, the Credit Card Interchange Fees Act of 2009. 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net including the Wall Street Reform and Consumer Protection Act--HR 4173. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. Ending the use of offshore tax havens. Transparency in the Federal Reserve. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

Federak Reseve tranperancy; HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) Testified in support (9 Oct) of H.R. 2382, the Credit Card Interchange Fees Act of 2009. 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net including the Wall Street Reform and Consumer Protection Act--HR 4173. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. Ending the use of offshore tax havens. Transparency in the Federal Reserve. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

Federak Reseve tranperancy; HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) Testified in support (9 Oct) of H.R. 2382, the Credit Card Interchange Fees Act of 2009. 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net including the Wall Street Reform and Consumer Protection Act--HR 4173. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. Ending the use of offshore tax havens. Transparency in the Federal Reserve. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

Federak Reseve tranperancy; HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) Testified in support (9 Oct) of H.R. 2382, the Credit Card Interchange Fees Act of 2009. 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net including the Wall Street Reform and Consumer Protection Act--HR 4173. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

Federak Reseve tranperancy; HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) Testified in support (9 Oct) of H.R. 2382, the Credit Card Interchange Fees Act of 2009. 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net including the Wall Street Reform and Consumer Protection Act--HR 4173. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. Ending the use of offshore tax havens. Transparency in the Federal Reserve. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

Federak Reseve tranperancy; HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) Testified in support (9 Oct) of H.R. 2382, the Credit Card Interchange Fees Act of 2009. 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net including the Wall Street Reform and Consumer Protection Act--HR 4173. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. Ending the use of offshore tax havens. Transparency in the Federal Reserve. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. Ending the use of offshore tax havens. Transparency in the Federal Reserve. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

Federak Reseve tranperancy; HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) Testified in support (9 Oct) of H.R. 2382, the Credit Card Interchange Fees Act of 2009. 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net including the Wall Street Reform and Consumer Protection Act--HR 4173. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

Federak Reseve tranperancy; HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) Testified in support (9 Oct) of H.R. 2382, the Credit Card Interchange Fees Act of 2009. 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net including the Wall Street Reform and Consumer Protection Act--HR 4173. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. Ending the use of offshore tax havens. Transparency in the Federal Reserve. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

Federak Reseve tranperancy; HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) Testified in support (9 Oct) of H.R. 2382, the Credit Card Interchange Fees Act of 2009. 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net including the Wall Street Reform and Consumer Protection Act--HR 4173. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. Ending the use of offshore tax havens. Transparency in the Federal Reserve. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

1) Restructure Mortgages in Bankruptcy: Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Supported efforts to enact strongest possible provisions to allow bankruptcy judges to restructure first mortgages. Bills included S 61, HR 200 and HR 1106. 2) Support efforts to repeal/amend 2005 bankruptcy law (PL 109-8) restrictions on consumer rights. Testimony in House. 3) Testified at oversight hearing (House Judiciary) on credit cards and bankruptcy. 4) Creation of legislation to change 2006 Bankruptcy Laws which prevent dischargability of private student loans.

HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. Ending the use of offshore tax havens. Transparency in the Federal Reserve. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. Ending the use of offshore tax havens. Transparency in the Federal Reserve. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. Ending the use of offshore tax havens. Transparency in the Federal Reserve. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

Example: HR 4137, College Opportunity and Affordability Act, and S. 1614 related federal student loans, private student loan policies, student grant aid policy, the Free Application for Federal Student Aid (FAFSA), policies around textbooks and campus free speech. HR 5715, Ensuring Continued Acces to Student Loans Act, student loan policies.

Example: HR 4137, College Opportunity and Affordability Act, and S. 1614 related federal student loans, private student loan policies, student grant aid policy, the Free Application for Federal Student Aid (FAFSA), policies around textbooks and campus free speech. HR 5715, Ensuring Continued Acces to Student Loans Act, student loan policies.

Example: HR 4137, College Opportunity and Affordability Act, and S. 1614 related federal student loans, private student loan policies, student grant aid policy, the Free Application for Federal Student Aid (FAFSA), policies around textbooks and campus free speech. HR 5715, Ensuring Continued Acces to Student Loans Act, student loan policies.