,i  #aac? ,,congress  #a/ ,session  ,h4 
,r4 #ccga  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,octob] #bi1 #bjac    
,mr4 ,h9ojosa 7= himself & ,mr4 ,ca/ro (
 ,texas7 introduc$ ! foll[+ bill2 :i* 0 
ref]r$ to ! ,committee on ,education & !
 ,work=ce  ,a ,,bill  ,to exempt c]ta9  
education loans made by ,/ates f c]ta9  
pref]r$ l5d] requirem5ts "u ! ,high]    
,education ,act ( #aife4  #a4 ,%ort     
title ,?is ,act may be cit$ z ! ,/ate   
,loan ,access & ,/ud5t ,protection ,act4
  #b4 ,exception = c]ta9 education loans
 made by ,/ates ,section #dhg7;h7 ( !   
,high] ,education ,act ( #aife 7#bj     
,u4,s4,c4 #ajid7;h77 is am5d$--  7#a7 9 
p>agraph 7#a77;,b7--  7,a7 9 clause 7i71
 by /rik+ & at ! end2  7,b7 by ins]t+ & 
at ! end ( clause 7ii72 &  7,c7 by      
ins]t+ aft] clause 7ii71 ! foll[+3      
7iii7 9 ! case ( education loans made by
 a ,/ate 7& ^: t]ms & conditions are    
e/abli%$ by ! ,/ate71 :i* are recomm5d$1
 promot$1 or endors$ by ! in/itution1 & 
t d n meet ! requirem5t ( clause 7i7 )  

respect to hav+ n less ?an two l5d]s (  
su* loans :o are n affiliates ( ea* o!r 
includ$ on ! pref]r$ l5d] li/--  7,i7 ! 
in/itution's only actions to recomm5d1  
promote1 or endorse su* loans are--     
7aa7 in=m+ /ud5ts & ! families ( su*    
/ud5ts ab\t su* loans2 &  7bb7 provid+  
f9ancial aid packages t include su*     
loans to /ud5ts :o h previ\sly be5 aw>d$
 su* loans2  7,,ii7 ! t]ms & conditions 
( su* loans 7includ+ int]e/ rates1 fees1
 available repaym5t & =giv5ess options1 
& su* o!r in=mation z ! ,secret>y       
det]m9es necess>y7 are--  7aa7 us+ ! =m 
develop$ by ! ,secret>y "u p>agraph     
7#c71 disclos$ to ! borr[] & comp>$ to !
 t]ms & conditions ( a loan made "u "p  
,d2 &  7bb7 at lea/ z favorable to      
borr[]s z ! t]ms & conditions ( a loan  
"u made "u "p ,d1 z det]m9$ 9 accordance
 ) su* crit]ia z may be e/abli%$ by !   
,secret>y2 &  7,,iii7 ! in/itution      
prom95tly discloses to borr[]s ! me?ods 
& crit]ia us$ by ! in/itution to select 
su* loans = ! recomm5dation1 promotion1 

or endorsem5t describ$ 9 clause 7,i74  2
 &  7#b7 by add+ at ! end ! foll[+3     
7#c7 ,comp>ison =m ,n lat] ?an #f mon?s 
aft] ! date ( ! enactm5t ( ! ,/ate ,loan
 ,access & ,/ud5t ,protection ,act1 !   
,secret>y %all develop a =m = ! purposes
 ( ! disclosure & comp>ison requir$ "u  
p>agraph 7#a77;,b77iii77,,ii77aa74  7#d7
 ,rule ( con/ruction ,no?+ 9 ?is        
subsection %all be con/ru$ to require an
 in/itution to c>ry out ! actions       
describ$ 9 items 7aa7 & 7bb7 ( p>agraph 
7#a77;,b77iii77,i74  4  #c4             
,inapplicability ( title ,,iv negotiat$ 
rulemak+ requirem5t & ma/] cal5d>       
exception ,sections #dhb7;c7 & #dib ( ! 
,high] ,education ,act ( #aife 7#bj     
,u4,s4,c4 #ajhi7;c71 #ajih;a7 %all n    
apply to ! am5dm5ts made by section #b1 
or to any regulations promulgat$ "u ^?  
am5dm5ts4  #d4 ,effective date ,!       
am5dm5ts made by section #b7a7 %all be  
effective ) respect to academic ye>     
#bjad-bjae & ea* succe$+ academic ye>4