,,ii  #aadth ,,congress  #ast ,session  
,s4 #hie  ,,in ,,the ,,senate ,,of ,,the
 ,,united ,,states  ,march #bg          
7legislative day1 ,march #bf71 #bjae    
,mr4 ,tester introduced the following   
bill2 which was read twice and referred 
to the ,committee on ,veterans' ,affairs
  ,a ,,bill  ,to allow members of the   
,armed ,forces to defer principal on    
,federal student loans for a certain    
period in connection with receipt of    
orders for mobilization for war or      
national emergency1 and for other       
purposes4  #a4 ,short title ,this ,act  
may be cited as the ,servicemember and  
,veteran ,protection ,act of #bjae4  #b4
 ,deferral of students loans for certain
 period in connection with receipt of   
orders for mobilization for war or      
national emergency  7a7 ,federal ,family
 ,education ,loans ,section             
#dbh7;b77#a77,m7 of the ,higher         
,education ,act of #aife 7#bj ,u4,s4,c4 
#ajgh7;b77#a77,m77 is amended--  7#a7 in
 the matter preceding clause 7i71 by    

striking 1 during any period2  7#b7 in  
clause 7i71 by striking during which and
 inserting during any period during     
which2  7#c7 in clause 7ii71 by striking
 during which and inserting during any  
period during which2  7#d7 in clause    
7iii7--  7,a7 by striking during which  
and inserting during any period during  
which2 and  7,b7 in the matter following
 subclause 7,,ii71 by striking or after 
the semicolon2  7#e7 by redesignating   
clause 7iv7 as clause 7vi72  7#f7 by    
inserting after clause 7iii7 the        
following3  7iv7 in the case of any     
borrower who has received a call or     
order to duty described in subclause    
7,i7 or 7,,ii7 of clause 7iii71 during  
the shorter of--  7,i7 the period       
beginning on the date such call or order
 to duty is received by the borrower and
 ending on the first day of the service 
described in subclause 7,i7 or 7,,ii7 of
 clause 7iii72 and  7,,ii7 the #ahj-;day
 period preceding the first day of such 
service2  7v7 notwithstanding clause    

7iv7--  7,i7 in the case of any borrower
 described in such clause whose call or 
order to duty is cancelled before the   
first day of the service described in   
subclause 7,i7 or 7,,ii7 of clause 7iii7
 because of a personal injury in        
connection with training to prepare for 
such service1 during the period         
described in clause 7iv7 and during an  
additional period equal to the duration 
of such service1 as specified by or     
otherwise determined in the original    
call or order to duty2 and  7,,ii7 in   
the case of any borrower whose call or  
order to duty is cancelled before the   
first day of such service for a reason  
other than an injury described in       
subclause 7,i71 during the period       
beginning on the date the call or order 
to duty is received by the borrower and 
ending on the date that is #ad days     
after such call or order to duty is     
cancelled2 and  2 and  7#g7 in clause   
7vi7 7as redesignated by paragraph      
7#e771 by striking not in excess and    

inserting during any period not in      
excess4  7b7 ,direct ,loans ,section    
#dee7;f77#b7 of the ,higher ,education  
,act of #aife 7#bj ,u4,s4,c4            
#ajhg;e7f77#b77 is amended--  7#a7 in   
the matter preceding subparagraph 7,a71 
by striking during any period2  7#b7 in 
subparagraph 7,a71 by striking during   
which and inserting during any period   
during which2  7#c7 in subparagraph     
7,b71 by striking not in excess and     
inserting during any period not in      
excess2  7#d7 in subparagraph 7,c7--    
7,a7 by striking during which and       
inserting during any period during      
which2 and  7,b7 in the matter following
 clause 7ii71 by striking or after the  
semicolon2  7#e7 by redesignating       
subparagraph 7,d7 as subparagraph 7,f72 
7#f7 by inserting after subparagraph    
7,c7 the following3  7,d7 in the case of
 any borrower who has received a call or
 order to duty described in clause 7i7  
or 7ii7 of subparagraph 7,c71 during the
 shorter of--  7i7 the period beginning 

on the date such call or order to duty  
is received by the borrower and ending  
on the first day of the service         
described in clause 7i7 or 7ii7 of      
subparagraph 7,c72 and  7ii7 the        
#ahj-;day period preceding the first day
 of such service2  7,e7 notwithstanding 
subparagraph 7,d7--  7i7 in the case of 
any borrower described in such          
subparagraph whose call or order to duty
 is cancelled before the first day of   
the service described in clause 7i7 or  
7ii7 of subparagraph 7,c7 because of a  
personal injury in connection with      
training to prepare for such service1   
during the period described in          
subparagraph 7,d7 and during an         
additional period equal to the duration 
of such service1 as specified by or     
otherwise determined in the original    
call or order to duty2 and  7ii7 in the 
case of any borrower whose call or order
 to duty is cancelled before the first  
day of such service for a reason other  
than an injury described in clause 7i71 

during the period beginning on the date 
the call or order to duty is received by
 the borrower and ending on the date    
that is #ad days after such call or     
order to duty is cancelled2 and  2 and  
7#g7 in subparagraph 7,f7 7as           
redesignated by paragraph 7#e771 by     
striking not in excess and inserting    
during any period not in excess4  7c7   
,perkins ,loans ,section                
#dfd7;c77#b77;,a7 of the ,higher        
,education ,act of #aife 7#bj ,u4,s4,c4 
#ajhg;dd7c77#b77;,a77 is amended--  7#a7
 in the matter preceding clause 7i71 by 
striking during any period2  7#b7 in    
clause 7i71 by striking during which and
 inserting during any period during     
which2  7#c7 in clause 7ii71 by striking
 not in excess and inserting during any 
period not in excess2  7#d7 in clause   
7iii71 by striking during which and     
inserting during any period during      
which2  7#e7 by redesignating clauses   
7iv7 and 7v7 as clauses 7vi7 and 7vii71 
respectively2  7#f7 by inserting after  

clause 7iii7 the following3  7iv7 in the
 case of any borrower who has received a
 call or order to duty described in     
subclause 7,i7 or 7,,ii7 of clause      
7iii71 during the shorter of--  7,i7 the
 period beginning on the date such call 
or order to duty is received by the     
borrower and ending on the first day of 
the service described in subclause 7,i7 
or 7,,ii7 of clause 7iii72 and  7,,ii7  
the #ahj-;day period preceding the first
 day of such service2  7v7              
notwithstanding clause 7iv7-- 7,i7 in   
the case of any borrower described in   
such clause whose call or order to duty 
is cancelled before the first day of the
 service described in subclause 7,i7 or 
7,,ii7 of clause 7iii7 because of a     
personal injury in connection with      
training to prepare for such service1   
during the period described in clause   
7iv7 and during an additional period    
equal to the duration of such service1  
as specified by or otherwise determined 
in the original call or order to duty2  

and  7,,ii7 in the case of any borrower 
whose call or order to duty is cancelled
 before the first day of such service   
for a reason other than an injury       
described in subclause 7,i71 during the 
period beginning on the date the call or
 order to duty is received by the       
borrower and ending on the date that is 
#ad days after such call or order to    
duty is cancelled2  2  7#g7 in clause   
7vi7 7as redesignated by paragraph      
7#e771 by striking not in excess and    
inserting during any period not in      
excess2 and  7#h7 in clause 7vii7 7as   
redesignated by paragraph 7#e771 by     
striking during which and inserting     
during any period during which4  7d7    
,rule of construction ,nothing in the   
amendments made by this section shall be
 construed to authorize any refunding of
 any repayment of a loan4  7e7          
,applicability ,the amendments made by  
this section shall apply with respect to
 all loans made1 insured1 or guaranteed 
under title ,,iv of the ,higher         

,education ,act of #aife 7#bj ,u4,s4,c4 
#ajgj et seq474  7f7 ,conforming        
amendments ,title ,,iv of the ,higher   
,education ,act of #aife 7#bj ,u4,s4,c4 
#ajgj et seq47 is further amended--     
7#a7 in section #dbh;,b7d77#a77;,a77ii7 
7#bj ,u4,s4,c4                          
#ajgh-b7;d77#a77;,a77ii771 by striking  
#dbh7;b77#a77,m77i77,i7 and inserting or
 clause 7i77,i71 7iv71 or 7v7 of section
 #dbh7;b77#a77,m72 and  7#b7 in section 
#dic;,d7a7 7#bj ,u4,s4,c4 #ajih;f7a771  
by striking section                     
#dbh7;b77#a77,m77iii71                  
#dee7;f77#b77;,c71 or                   
#dfd7;c77#b77;,a77iii7 and inserting    
clause 7iii7 or 7iv7 of section         
#dbh7;b77#a77,m71 subparagraph 7,c7 or  
7,d7 of section #dee7;f77#b71 or clause 
7iii7 or 7iv7 of section                
#dfd7;c77#b77;,a74  #c4 ,modification of
 basis for annual adjustments in amounts
 of educational assistance for members  
of the ,selected ,reserve  7a7 ,in      
general ,section #afaca7;b77#b7 of title

 #aj1 ,united ,states ,code1 is amended 
by striking equal to and all that       
follows and inserting the following3    
8not less than the percentage by which--
  7,a7 the average cost of undergraduate
 tuition in the ,united ,states1 as     
determined by the ,national ,center for 
,education ,statistics1 for the last    
academic year preceding the beginning of
 the fiscal year for which the increase 
is made1 exceeds  7,b7 the average cost 
of undergraduate tuition in the ,united 
,states1 as so determined1 for the      
academic year preceding the academic    
year described in subparagraph 7,a74  4 
7b7 ,effective date ,the amendment made 
by subsection 7a7 shall take effect on  
,october #a1 #bjae1 and shall apply to  
adjustments in amounts of educational   
assistance for members of the ,selected 
,reserve that are made for fiscal years 
beginning on or after that date4  #d4   
,credit protections for servicemembers  
7a7 ,active duty freeze alerts ,section 
#fje;,a of the ,fair ,credit ,reporting 

,act 7#ae ,u4,s4,c4 #afha;c-#a7 is      
amended-- 7#a7 in the heading for such  
section1 by striking and active duty    
alerts and inserting 1 active duty      
alerts1 and active duty freeze alerts2  
7#b7 by redesignating subsections 7d7   
through 7h7 as subsections 7e7 through  
7i71 respectively2  7#c7 by inserting   
after subsection 7c7 the following3  7d7
  ,active duty freeze alerts  ,upon the 
direct request of an active duty        
military consumer1 or an individual     
acting on behalf of or as a personal    
representative of an active duty        
military consumer1 a consumer reporting 
agency described in section #fjc7p7 that
 maintains a file on the active duty    
military consumer and has received      
appropriate proof of the identity of the
 requester shall--  7#a7 include an     
active duty freeze alert in the file of 
that active duty military consumer1 and 
also provide that alert along with any  
credit score generated in using that    
file1 during a period of not less than  

#ab months1 or such longer period as the
 ,bureau shall determine1 by regulation1
 beginning on the date of the request1  
unless the active duty military consumer
 or such representative requests that   
such freeze alert be removed before the 
end of such period1 and the agency has  
received appropriate proof of the       
identity of the requester for such      
purpose2  7#b7 during the #b-year period
 beginning on the date of such request1 
exclude the active duty military        
consumer from any list of consumers     
prepared by the consumer reporting      
agency and provided to any third party  
to offer credit or insurance to the     
consumer as part of a transaction that  
was not initiated by the consumer1      
unless the consumer requests that such  
exclusion be rescinded before the end of
 such period2 and  7#c7 refer the       
information regarding the active duty   
freeze alert to each of the other       
consumer reporting agencies described in
 section #fjc7p71 in accordance with    

procedures developed under section      
#fba7;f74  2  7#d7 in subsection 7e71 as
 so redesignated-- 7,a7 by striking     
extended1 and active duty alerts and    
inserting extended1 active duty1 and    
active duty freeze alerts2 and  7,b7 by 
striking extended1 or active duty alerts
 and inserting extended1 active duty1 or
 active duty freeze alerts2  7#e7 in    
subsection 7f71 as so redesignated--    
7,a7 in the matter preceding paragraph  
7#a71 by striking or active duty alert  
and inserting active duty alert1 or     
active duty freeze alert2  7,b7 in      
paragraph 7#b71 by striking 2 and and   
inserting a semicolon2  7,c7 in         
paragraph 7#c71 by striking the period  
and inserting 2 and2 and  7,d7 by adding
 at the end the following3  7#d7        
paragraphs 7#a7 and 7#b7 of subsection  
7d71 in the case of a referral under    
subsection 7d77#c74  2  7#f7 in         
subsection 7g71 as so redesignated1 by  
striking or active duty alert and       
inserting active duty alert1 or active  

duty freeze alert2 and  7#g7 in         
subsection 7i71 as so redesignated1 by  
adding at the end the following3  7#c7  
,requirements for active duty freeze    
alerts  7,a7 ,notification ,each active 
duty freeze alert under this section    
shall include information that notifies 
all prospective users of a consumer     
report on the consumer to which the     
freeze alert relates that the consumer  
does not authorize the establishment of 
any new credit plan or extension of     
credit1 including any credit under an   
open-end credit plan 7as defined in     
section #ajc7;i771 in the name of the   
consumer1 or issuance of an additional  
card on an existing credit account      
requested by a consumer1 or any increase
 in credit limit on an existing credit  
account requested by a consumer4  7,b7  
,prohibition on users ,no prospective   
user of a consumer report that includes 
an active duty freeze alert in          
accordance with this section may        
establish a new credit plan or extension

 of credit1 including any credit under  
an open-end credit plan 7as defined in  
section #ajc7;i771 in the name of the   
consumer1 or issue an additional card on
 an existing credit account requested by
 a consumer1 or grant any increase in   
credit limit on an existing credit      
account requested by a consumer4  4  7b7
 ,rulemaking ,the ,bureau of ,consumer  
,financial ,protection shall prescribe  
regulations to define what constitutes  
appropriate proof of identity for       
purposes of section #fje;,a7d7 of the   
,fair ,credit ,reporting ,act1 as       
amended by this ,act4  7c7 ,technical   
amendment ,section #fjc7q77#b7 of the   
,fair ,credit ,reporting ,act 7#ae      
,u4,s4,c4 #afha;a7q77#b77 is amended--  
7#a7 in the heading for such paragraph1 
by striking active duty alert and       
inserting active duty alert2 active duty
 freeze alert2 and  7#b7 by inserting   
and active duty freeze alert before     
mean4  #e4 ,report on effect on privacy 
of veterans by use of social security   

numbers to uniquely identify veterans   
7a7 ,in general ,not later than #abj    
days after the date of the enactment of 
this ,act1 the ,secretary of ,veterans  
,affairs shall submit to the ,committee 
on ,veterans' ,affairs of the ,senate   
and the ,committee on ,veterans'        
,affairs of the ,house of               
,representatives a report on the effect 
on the privacy of veterans of the use of
 social security numbers to uniquely    
identify veterans4  7b7 ,contents ,the  
report required by subsection 7a7 shall 
include the following3  7#a7 ,a         
description of such actions as the      
,secretary may have taken to transition 
the ,department of ,veterans ,affairs   
from the use of social security numbers 
to uniquely identify veterans to the use
 of alternative and safer unique        
identifiers4  7#b7 ,a description of    
such actions as the ,secretary may have 
taken to integrate the use by the       
,department of ,veterans ,affairs of    
such alternative and safer unique       

identifiers with the usage of unique    
identifiers by the ,department of       
,defense4  7#c7 ,in a case in which the 
,secretary has not taken any actions    
described in paragraph 7#a7 or 7#b71 an 
explanation as to why such actions have 
not been taken and a description of the 
actions the ,secretary will take to     
protect the privacy of veterans4