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I 

114TH CONGRESS 

2D SESSION H. R. 5481 

To amend the Higher Education Act of 1965 to authorize institutions of 

higher education to provide additional loan counseling, and for other purposes. 

IN THE HOUSE OF REPRESENTATIVES 

JUNE 14, 2016 

Mr. SALMON (for himself and Mr. GROTHMAN) introduced the following bill; 

which was referred to the Committee on Education and the Workforce 

A BILL 

To amend the Higher Education Act of 1965 to authorize 

institutions of higher education to provide additional loan 

counseling, and for other purposes. 

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled, 

3 SECTION 1. SHORT TITLE. 

4 This Act may be cited as the ‘‘Ensure Responsible 

5 Borrowing Act’’. 

6 SEC. 2. ENTRANCE COUNSELING FOR BORROWERS. 

7 Section 485(l) of the Higher Education Act of 1965 

8 (20 U.S.C. 1092(l)) is amended by adding at the end the 

9 following: 


srobinson on DSK5SPTVN1PROD with BILLS
2 

•HR 5481 IH

1 ‘‘(3) ADDITIONAL COUNSELING.—In addition to 

2 the entrance counseling under paragraph (1), an eli3 gible institution may require any borrower, at or 

4 prior to the time of a disbursement to the borrower 

5 of a loan made under part D (other than a Federal 

6 Direct Consolidation Loan or a Federal Direct 

7 PLUS loan made on behalf of a student), to receive 

8 the information described in paragraph (2) with re9 spect to such loan, or any other financial counseling, 

10 including financial literacy counseling. 

11 ‘‘(4) ANNUAL LOAN ACCEPTANCE.—Prior to 

12 making the first disbursement of a loan made under 

13 part D (other than a Federal Direct Consolidation 

14 Loan) to a borrower for an award year, an eligible 

15 institution, shall ensure that after receiving the ap16 plicable counseling under paragraph (2) or (3), the 

17 borrower accepts the loan for such award year by— 

18 ‘‘(A) signing the master promissory note 

19 for the loan; 

20 ‘‘(B) signing and returning to the institu21 tion a separate written statement that affirma22 tively states that the borrower accepts the loan; 

23 or 


srobinson on DSK5SPTVN1PROD with BILLS
3 

•HR 5481 IH

1 ‘‘(C) electronically signing an electronic 

2 version of the statement described in subpara3 graph (B).’’. 

Æ 


srobinson on DSK5SPTVN1PROD with BILLS
Demarris Gregory MALOY, Appellant(s)/Petitioner(s), v. The STATE of Florida, Appellee(s)/Respondent(s),

CASE NO.: 3D18-1418

District Court of Appeal of Florida, Third District.

AUGUST 24, 2018

**DECISION WITHOUT PUBLISHED OPINION**

Dismissed.
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Photography  Brutus the North Pole Wolf Map

#### Pagination

-  First page« First 
-  Previous page‹‹ 
-                Page            1 
-                Current page            2
UNITED STATES BANKRUPTCY COURT 

SOUTHERN DISTRICT OF FLORIDA 

MIAMI-DADE DIVISION 

In re: 

JULIA RODRIGUEZ SANCHEZ 

Debtor. 

_____________________________________/

Case Number 21-21561-BKC-AJC 

Chapter 7 

DEBTOR’S MOTION TO REDEEM COLLATERAL OF 

SYNCHRONY BANK/CITY FURNITURE 

 Debtor, JULIA RODRIGUEZ SANCHEZ, by and through undersigned counsel, 

pursuant to 11 U.S.C. § 722 and Rule 6008 of the Federal Rules of Bankruptcy Procedure, files 

this Motion to Redeem Collateral of Synchrony Bank/City Furniture, and avers: 

1. The Debtor filed this case as a Chapter 7 on December 9, 2021. 

2. The Trustee conducted the meeting of creditors on January 12, 2022. 

3. Synchrony Bank/City Furniture holds a lien against the Debtor’s Furniture, which 

consists of 1 sofa, 3 tables, 1 dining room table and 4 chairs (the “Furniture”), account number 

ending in 5773. The secured debt at the time this case was filed was $6,366.00. 

4. The Debtor believes that the Furniture is in fair condition and the replacement 

value of the Furniture is $1,200.00. Synchrony Bank/City Furniture’s lien in the collateral is 

well in excess of the replacement value of the Furniture. 

5. The Debtor seeks an order allowing the redemption of the Furniture for the 

replacement value of $1,200.00 pursuant to 11 U.S.C. § 722. The Debtor will tender that sum to 

Synchrony Bank/City Furniture within 30 days of entry of an order granting this motion in 

exchange for a satisfaction of its lien rights. During which time, Synchrony Bank/City Furniture 

may not seek replevin of the Patio Set. 

Case 21-21561-AJC Doc 19 Filed 01/14/22 Page 1 of 2
Page 2. In re Julia Rodriguez Sanchez

Case No. 21-21561-BKC-AJC 

WHEREFORE, the Debtor seeks the relief sought in this motion and for any other relief 

deemed just and proper in the circumstances. 

CERTIFICATE OF SERVICE 

I HEREBY CERTIFY that a true and correct copy of the foregoing was sent, via 

CM/ECF to the Chapter 7 Trustee and the Office of the United States Trustee, on January 14, 

2022 and via US Mail to all parties listed below. 

- Synchrony Bank, Attn: Brian Doubles –President, 170 West Election 

Road, Suite 125, Draper, UT 84020 via Certified Mail

- City Furniture c/o Angelo & Banta, PA. - RA, 515 East Las Olas Blvd., 

Suite 850, Ft. Lauderdale, FL 33301 

CERTIFICATE PURSUANT TO 

LOCAL RULE 9011-4(B) 

I HEREBY CERTIFY that I am 

admitted to the Bar of the United States 

District Court for the Southern District of 

Florida and I am in compliance with the 

additional qualifications to practice in 

this Court set forth in Local Rule 2090-

1(A). 

KINGCADE & GARCIA, P.A 

Counsel for the Debtor 

Kingcade Building 

1370 Coral Way ▪ Miami, Florida 33145-2960 

WWW.MIAMIBANKRUPTCY.COM

Telephone: 305-285-9100 ▪ Facsimile: 305-285-9542 

/s/ Timothy S. Kingcade 

□ Timothy S. Kingcade, Esq., FBN 082309 

□ Wendy Garcia, Esq., FBN 0865478 

X Jessica L. McMaken, Esq., FBN 580163

Case 21-21561-AJC Doc 19 Filed 01/14/22 Page 2 of 2
Melanie BISCARDI, Appellant, v. Christopher J. PEPIO, Appellee.

Case No. 2D17-2190

District Court of Appeal of Florida, Second District.

Opinion filed June 6, 2018

**DECISION WITHOUT PUBLISHED OPINION**

Affirmed.
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INDEPENDENT AUDITORS' CONSENT



The Board of Directors
FNB Bancorp:


We consent to the incorporation by reference in the registration statements (No.
333-91596 and 333-98293) on Forms S-8 of our report dated February 28, 2003,
relating to the consolidated balance sheet of FNB Bancorp and Subsidiary as of
December 31, 2002 and the related consolidated statements of income, and changes
in shareholders' equity and comprehensive income, and cash flows for the year
ended December 31, 2002, which report appears in the December 31, 2002, annual
report on Form 10-K of FNB Bancorp.






/s/ KPMG LLP

San Francisco, California
March 27, 2003


                                       87
Exhibit 23

 

 

 

 

 

Consent of Independent Registered Public Accounting Firm

 

 

The Board of Directors

Partners Trust Financial Group, Inc.

We consent to incorporation by reference in the registration statements on Forms S-8 (Nos. 333-117724 and 333-117723) of Partners Trust Financial Group, Inc. of our reports dated March 9, 2005, with respect to the consolidated balance sheets of Partners Trust Financial Group, Inc. and subsidiary as of December 31, 2004 and 2003, and the related consolidated statements of income, changes in shareholders' equity, and cash flows for each of the years in the three-year period ended December 31, 2004, management's assessment of the effectiveness of internal control over financial reporting as of December 31, 2004 and the effectiveness of internal control over financial reporting as of December 31, 2004, which reports appear in the December 31, 2004 annual report on Form 10-K of Partners Trust Financial Group, Inc.

 

 

 

Albany, New York

March 11, 2005
<PAGE>



                                                                    Exhibit 99.6



Report of Independent Accountants


Chase Manhattan Bank USA, N.A. (the "Bank"),
Administrator of the Chase Credit Card Owner Trust Series 2001-6



We have examined management's assertion, included in the accompanying Management
Report on Internal Control over the Administration of the Chase Credit Card
Owner Trust Series 2001-6 (the "Owner Trust"), that Chase Manhattan Bank USA NA
(the "Bank") maintained effective internal control over its administration of
the Certificates held by the Owner Trust and the Notes issued by the Owner Trust
(the "Administration" of the Owner Trust) as of December 31, 2003, based upon
the criteria for effective internal control established in "Internal Control -
Integrated Framework" issued by the Committee of Sponsoring Organizations of the
Treadway Commission. The Bank's management is responsible for maintaining
effective internal control over the Administration of the Owner Trust. Our
responsibility is to express an opinion on management's assertion based on our
examination.

Our examination was conducted in accordance with attestation standards
established by the American Institute of Certified Public Accountants and,
accordingly, included obtaining an understanding of internal control over the
Administration of the Owner Trust, testing and evaluating the design and
operating effectiveness of internal control, and performing such other
procedures as we considered necessary in the circumstances. We believe that our
examination provides a reasonable basis for our opinion.

Because of inherent limitations in any internal control, misstatement due to
error or fraud may occur and not be detected. Also, projections of any
evaluation of internal control over the Administration of the Owner Trust to
future periods are subject to the risk that the internal control may become
inadequate because of changes in conditions, or that the degree of compliance
with the policies or procedures may deteriorate.

In our opinion, management's assertion that the Bank maintained effective
internal control over Administration of the Certificates held by the Owner Trust
and the Notes issued by the Owner Trust as of December 31, 2003, is fairly
stated, in all material respects, based upon the criteria for effective internal
control established in "Internal Control - Integrated Framework" issued by the
Committee of Sponsoring Organizations of the Treadway Commission.



/s/ PricewaterhouseCoopers LLP

March 29, 2004
```

[Federal Register Volume 89, Number 235 (Friday, December 6, 2024)]
[Rules and Regulations]
[Page 96901]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2024-28566]

=======================================================================
-----------------------------------------------------------------------

DEPARTMENT OF THE TREASURY

Alcohol and Tobacco Tax and Trade Bureau

27 CFR Parts 26 and 31

[Docket No. TTB-2024-0006; T.D. TTB-196A; T.D. TTB-196]
RIN 1513-AB93

Technical Corrections to the TTB Regulations; Corrections

AGENCY: Alcohol and Tobacco Tax and Trade Bureau, Treasury.

ACTION: Final rule; Treasury decision; correction.

-----------------------------------------------------------------------

SUMMARY: The Alcohol and Tobacco Tax and Trade Bureau (TTB) recently 
published a final rule in the Federal Register of November 6, 2024, 
making technical corrections to certain of its regulations. This 
document corrects two minor, non-substantive errors in the amendatory 
instructions in that final rule.

DATES: This final rule correction is effective December 6, 2024.

FOR FURTHER INFORMATION CONTACT: Michael D. Hoover, Regulations and 
Rulings Division, Alcohol and Tobacco Tax and Trade Bureau, 1310 G 
Street NW, Box 12, Washington, DC 20005; phone 202-453-1039, ext. 135.

SUPPLEMENTARY INFORMATION: The Alcohol and Tobacco Tax and Trade Bureau 
(TTB) recently published a final rule making technical corrections to 
certain of its regulations in 27 CFR chapter I. That final rule 
appeared in the Federal Register of November 6, 2024 (89 FR 87931). 
This document corrects two non-substantive errors in the amendatory 
instructions in that final rule. The errors described below were 
inadvertent, and their correction does not alter the intended meaning 
of any regulatory section contained in the final rule.

Corrections

    In the final rule document numbered FR Doc. 2024-23662 appearing on 
pages 87931 through 87953 in the Federal Register issue of Wednesday, 
November 6, 2024, make the following corrections:

Sec.  26.87   [Corrected]

0
1. On page 87944, in amendatory instruction 71, in the table, in the 
first entry for Sec.  26.87, in the third column, ``they shall,.'' is 
corrected to read ``they shall''.

Sec.  31.11   [Corrected]

0
2. On page 87946, in amendatory instruction 90, in the table, in the 
second entry for Sec.  31.11(b), in the second column, ``Room 1516'' is 
corrected to read ``Suite 8002''.

    Signed: December 3, 2024.
Mary G. Ryan,
Administrator.
[FR Doc. 2024-28566 Filed 12-5-24; 8:45 am]
BILLING CODE 4810-31-P
```
PROBODY COLLISION CENTER, INC. and Ascendant Claims Services, Appellants, v. Carlos HERRERA, Appellee.

No. 1D18-0502

District Court of Appeal of Florida, First District.

September 6, 2018

**DECISION WITHOUT PUBLISHED OPINION**

AFFIRMED.
*Pursuant to 5TH CIR. R. 47.5, the Court has determined that this opinion should not be

published and is not precedent except under the limited circumstances set forth in 5TH CIR. R.

47.5.4.

IN THE UNITED STATES COURT OF APPEALS

FOR THE FIFTH CIRCUIT

_____________________

No. 00-20251

Summary Calendar

_____________________

DAVIS MARK CONRAD,

Plaintiff-Appellant,

versus

DEPARTMENT OF THE TREASURY;

U.S. CUSTOMS SERVICE; JOHN DOE,

Individually, JANE DOE, Individually;

WILLIAM MICHAEL STODDARD;

LENORA GRANATO,

Defendants-Appellees.

_______________________________________________________

Appeal from the United States District Court for

the Southern District of Texas

(USDC No. H-99-CV-2144)

_______________________________________________________

November 15, 2000

Before REAVLEY, DeMOSS and BENAVIDES, Circuit Judges.

PER CURIAM:*
2

The judgment of the district court is affirmed for the reasons given by that

court in its thorough memorandum and order of March 2, 2000. Conrad’s claims

are for Privacy Act violations by the U.S. Customs Service, first for disclosing his

OWCP claim to its review committee, and second for failing to correct his file in

impugning his credibility by the 1995 reassignment letter. Neither claim has merit.

Conrad furnished the OWCP document to Customs, and his attorney

explicitly waived any privacy claim. Furthermore, disclosure to the review

committee was permitted by the Privacy Act. The regulations of the Department of

Labor are not relevant under these circumstances.

The Customs Service did comply with the Privacy Act by removing the 1995

letter from its files, and Conrad settled that issue by the December 1996 agreement.

AFFIRMED.
Robert Earl BRUMBLEY, Jr., Appellant, v. STATE of Florida, Appellee.

CASE NO. 1D17-2070

District Court of Appeal of Florida, First District.

Opinion filed October 24, 2017

**DECISION WITHOUT PUBLISHED OPINION**

AFFIRMED.
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