H.R. 1635Empowering Students Through Enhanced Financial Counseling Act

2 recorded actions152 of these members are on the 2026 ballotWhat the measure does Read on Congress.gov

Sponsor: Brett Guthrie [R-KY-02]
Cosponsors: 24 · 19 Republicans · 5 Democrats
Policy area: Education
Committees: Education and Workforce Committee, Health, Education, Labor, and Pensions Committee
Latest action: Sep 6, 2018 · Received in the Senate and Read twice and referred to the Committee on Health, Education, Labor, and Pensions.

IntroducedMar 20, 2017
Passed the HouseSep 5, 2018
Passed the SenateNot yet reached
Sent to the PresidentNot yet reached
Became lawNot yet reached

What the measure doesCRS summary

Empowering Students Through Enhanced Financial Counseling Act

This bill amends title IV (Student Assistance) of the Higher Education Act of 1965 to modify loan counseling requirements for an institution of higher education (IHE) that participates in federal student aid programs.

Currently, an IHE must provide entrance counseling to a student who is a first-time federal student loan borrower. This bill replaces required entrance counseling with required annual counseling. Also, it expands the required recipients of such annual counseling to include, in addition to student borrowers, Federal Pell Grant recipients and parent PLUS Loan borrowers.

Each annual counseling recipient must receive comprehensive information on the terms, conditions, and responsibilities with respect to a grant or loan and general information on a typical student budget, the right to request an annual credit report, average income and employment data, and financial management resources. Additionally, the bill revises, expands, or establishes specific annual counseling information requirements for student borrowers, Pell Grant recipients, or parent PLUS Loan borrowers.

The bill revises and expands exit counseling information requirements to include an outstanding loan balance summary, the anticipated monthly payments under standard and income-based repayment plans, an explanation of the grace period preceding repayment, the option to pay accrued interest before it capitalizes, the right to request an annual credit report, and loan servicer contact information.

It directs the Department of Education to maintain a consumer-tested online counseling tool that provides annual and exit counseling.

The Institute of Education Sciences must study the impact and effectiveness of exit counseling, annual counseling, and the online counseling tool.

Written by the nonpartisan Congressional Research Service, describing H.R. 1635 as introduced in House on Mar 20, 2017. It is not the text of the measure; a later amendment may have changed what it does.

Roll calls on H.R. 16352 roll calls on this measure

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Sep 5, 2018Each bar: ✓ Yea from the bottom, ✕ Nay aboveSep 5, 2018

How every member votedHouse roll call 385

House Sep 5, 2018 · the primary vote

On Passage

Empowering Students Through Enhanced Financial Counseling Act

Passed

406 Yea 4 Nay 19 not voting

Crossed both parties 4 of 410 voting members broke with their own party: 4 Republicans.

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How the chamber split

One dot per member. Select a seat or a bar to filter the list.

DemocratsRepublicansFilled: YeaRing: NayGrey: not voting or present

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All members429 members

Democratic193 members

Republican236 members

marks half of the votes cast. A party’s majority is the side most of its voting members took.

Cosponsors24 · 19 Republicans · 5 Democrats

Signing on is not a vote: a member can cosponsor H.R. 1635 and vote against it. 1 signed when it was filed.

Loading the public record

Who lobbied on H.R. 163520 organizations

Organizations that named H.R. 1635 in a lobbying disclosure. Only those that cited the bill by number appear, so this is a floor, not a full list.

AMERICAN VETERINARY MEDICAL ASSOCIATIONIts PAC: American Veterinary Medical Association PAC

Labor Issues/Antitrust/Workplace · Animals · Insurance · Agriculture +8 more10 filings · 4th Quarter (Oct 1 - Dec 31) 2018Filing

DISCOVER FINANCIAL SERVICESIts PAC: Discover Financial Services PAC

Intelligence · Banking · Bankruptcy · Education +2 more8 filings · 4th Quarter (Oct 1 - Dec 31) 2018Filing

NATIONAL RECOVERIES INCORPORATEDfiled by AKERMAN LLP

Education8 filings · 4th Quarter (Oct 1 - Dec 31) 2018Filing

CONSUMER BANKERS ASSOCIATIONIts PAC: Consumer Bankers Association PAC

Banking7 filings · 3rd Quarter (July 1 - Sep 30) 2018Filing

NATIONAL ASSN OF INDEPENDENT COLLEGES & UNIVERSITIES

Education7 filings · 4th Quarter (Oct 1 - Dec 31) 2018Filing

NATIONAL ASSOCIATION OF REALTORSIts PAC: National Association of Realtors Congressional Fund

Environment/Superfund · Labor Issues/Antitrust/Workplace · Copyright/Patent/Trademark · Financial Institutions/Investments/Securities +10 more6 filings · 4th Quarter (Oct 1 - Dec 31) 2018Filing

UNIVERSITY OF CALIFORNIA

Medical/Disease Research/Clinical Labs · Defense · Agriculture · Health Issues +9 more4 filings · 3rd Quarter (July 1 - Sep 30) 2018Filing

CAPITAL CONCEPTS ON BEHALF OF ASSN. FOR FINANCIAL COUNSELING AND PLANNING EDU.filed by ATLANTIC POLICY SOLUTIONS, LLC

Education3 filings · 4th Quarter (Oct 1 - Dec 31) 2018Filing

SOUTH ORANGE COUNTY COMMUNITY COLLEGE DISTRICTfiled by CAPITOL ADVOCACY PARTNERS

Veterans · Immigration · Education · Budget/Appropriations3 filings · 4th Quarter (Oct 1 - Dec 31) 2018Filing

ASSOCIATION FOR FINANCIAL COUNSELING & PLANNING EDUCATION (AFCPE)filed by CAPITAL CONCEPTS

Education2 filings · 4th Quarter (Oct 1 - Dec 31) 2018Filing

73 disclosures name this measure. Retrieved from LDA.gov on 2026-10-05. Senate Office of Public Records cannot vouch for the data or analyses derived from these data after the data have been retrieved from LDA.gov.