,,ii  #aad? ,,congress  #a/ ,session    
,s4 #hie  ,,9 ,,! ,,s5ate ,,( ,,!       
,,unit$ ,,/ates  ,m>* #bg 7legislative  
day1 ,m>* #bf71 #bjae ,mr4 ,te/]        
introduc$ ! foll[+ bill2 :i* 0 read     
twice & ref]r$ to ! ,committee on       
,vet]ans' ,affairs  ,a ,,bill  ,to all[ 
memb]s ( ! ,arm$ ,=ces to def] pr9cipal 
on ,f$]al /ud5t loans = a c]ta9 p]iod 9 
connection ) receipt ( ord]s =          
mobilization = w> or national em]g5cy1 &
 = o!r purposes4  #a4 ,%ort title ,?is  
,act may be cit$ z ! ,s]vicememb] &     
,vet]an ,protection ,act ( #bjae4  #b4  
,def]ral ( /ud5ts loans = c]ta9 p]iod 9 
connection ) receipt ( ord]s =          
mobilization = w> or national em]g5cy   
7a7 ,f$]al ,family ,education ,loans    
,section #dbh7;b77#a77,m7 ( ! ,high]    
,education ,act ( #aife 7#bj ,u4,s4,c4  
#ajgh7;b77#a77,m77 is am5d$--  7#a7 9 ! 
matt] prec$+ clause 7i71 by /rik+ 1 dur+
 any p]iod2  7#b7 9 clause 7i71 by /rik+
 dur+ :i* & ins]t+ dur+ any p]iod dur+  
:i*2  7#c7 9 clause 7ii71 by /rik+ dur+ 

:i* & ins]t+ dur+ any p]iod dur+ :i*2   
7#d7 9 clause 7iii7--  7,a7 by /rik+    
dur+ :i* & ins]t+ dur+ any p]iod dur+   
:i*2 &  7,b7 9 ! matt] foll[+ subclause 
7,,ii71 by /rik+ or aft] ! semicolon2   
7#e7 by r$esignat+ clause 7iv7 z clause 
7vi72  7#f7 by ins]t+ aft] clause 7iii7 
! foll[+3  7iv7 9 ! case ( any borr[] :o
 has receiv$ a call or ord] to duty     
describ$ 9 subclause 7,i7 or 7,,ii7 (   
clause 7iii71 dur+ ! %ort] (--  7,i7 !  
p]iod beg9n+ on ! date su* call or ord] 
to duty is receiv$ by ! borr[] & end+ on
 ! fir/ day ( ! s]vice describ$ 9       
subclause 7,i7 or 7,,ii7 ( clause 7iii72
 &  7,,ii7 ! #ahj-;day p]iod prec$+ !   
fir/ day ( su* s]vice2  7v7 not)/&+     
clause 7iv7--  7,i7 9 ! case ( any      
borr[] describ$ 9 su* clause ^: call or 
ord] to duty is cancell$ be=e ! fir/ day
 ( ! s]vice describ$ 9 subclause 7,i7 or
 7,,ii7 ( clause 7iii7 because ( a      
p]sonal injury 9 connection ) tra9+ to  
prep>e = su* s]vice1 dur+ ! p]iod       
describ$ 9 clause 7iv7 & dur+ an        

additional p]iod equal to ! duration (  
su* s]vice1 z specifi$ by or o!rwise    
det]m9$ 9 ! orig9al call or ord] to     
duty2 &  7,,ii7 9 ! case ( any borr[] ^:
 call or ord] to duty is cancell$ be=e !
 fir/ day ( su* s]vice = a reason o!r   
?an an injury describ$ 9 subclause 7,i71
 dur+ ! p]iod beg9n+ on ! date ! call or
 ord] to duty is receiv$ by ! borr[] &  
end+ on ! date t is #ad days aft] su*   
call or ord] to duty is cancell$2 &  2 &
  7#g7 9 clause 7vi7 7z r$esignat$ by   
p>agraph 7#e771 by /rik+ n 9 excess &   
ins]t+ dur+ any p]iod n 9 excess4  7b7  
,direct ,loans ,section #dee7;f77#b7 ( !
 ,high] ,education ,act ( #aife 7#bj    
,u4,s4,c4 #ajhg;e7f77#b77 is am5d$--    
7#a7 9 ! matt] prec$+ subp>agraph 7,a71 
by /rik+ dur+ any p]iod2  7#b7 9        
subp>agraph 7,a71 by /rik+ dur+ :i* &   
ins]t+ dur+ any p]iod dur+ :i*2  7#c7 9 
subp>agraph 7,b71 by /rik+ n 9 excess & 
ins]t+ dur+ any p]iod n 9 excess2  7#d7 
9 subp>agraph 7,c7--  7,a7 by /rik+ dur+
 :i* & ins]t+ dur+ any p]iod dur+ :i*2 &

  7,b7 9 ! matt] foll[+ clause 7ii71 by 
/rik+ or aft] ! semicolon2  7#e7 by     
r$esignat+ subp>agraph 7,d7 z           
subp>agraph 7,f72  7#f7 by ins]t+ aft]  
subp>agraph 7,c7 ! foll[+3  7,d7 9 !    
case ( any borr[] :o has receiv$ a call 
or ord] to duty describ$ 9 clause 7i7 or
 7ii7 ( subp>agraph 7,c71 dur+ ! %ort]  
(--  7i7 ! p]iod beg9n+ on ! date su*   
call or ord] to duty is receiv$ by !    
borr[] & end+ on ! fir/ day ( ! s]vice  
describ$ 9 clause 7i7 or 7ii7 (         
subp>agraph 7,c72 &  7ii7 ! #ahj-;day   
p]iod prec$+ ! fir/ day ( su* s]vice2   
7,e7 not)/&+ subp>agraph 7,d7--  7i7 9 !
 case ( any borr[] describ$ 9 su*       
subp>agraph ^: call or ord] to duty is  
cancell$ be=e ! fir/ day ( ! s]vice     
describ$ 9 clause 7i7 or 7ii7 (         
subp>agraph 7,c7 because ( a p]sonal    
injury 9 connection ) tra9+ to prep>e = 
su* s]vice1 dur+ ! p]iod describ$ 9     
subp>agraph 7,d7 & dur+ an additional   
p]iod equal to ! duration ( su* s]vice1 
z specifi$ by or o!rwise det]m9$ 9 !    

orig9al call or ord] to duty2 &  7ii7 9 
! case ( any borr[] ^: call or ord] to  
duty is cancell$ be=e ! fir/ day ( su*  
s]vice = a reason o!r ?an an injury     
describ$ 9 clause 7i71 dur+ ! p]iod     
beg9n+ on ! date ! call or ord] to duty 
is receiv$ by ! borr[] & end+ on ! date 
t is #ad days aft] su* call or ord] to  
duty is cancell$2 &  2 &  7#g7 9        
subp>agraph 7,f7 7z r$esignat$ by       
p>agraph 7#e771 by /rik+ n 9 excess &   
ins]t+ dur+ any p]iod n 9 excess4  7c7  
,p]k9s ,loans ,section #dfd7;c77#b77;,a7
 ( ! ,high] ,education ,act ( #aife 7#bj
 ,u4,s4,c4 #ajhg;dd7c77#b77;,a77 is     
am5d$--  7#a7 9 ! matt] prec$+ clause   
7i71 by /rik+ dur+ any p]iod2  7#b7 9   
clause 7i71 by /rik+ dur+ :i* & ins]t+  
dur+ any p]iod dur+ :i*2  7#c7 9 clause 
7ii71 by /rik+ n 9 excess & ins]t+ dur+ 
any p]iod n 9 excess2  7#d7 9 clause    
7iii71 by /rik+ dur+ :i* & ins]t+ dur+  
any p]iod dur+ :i*2  7#e7 by r$esignat+ 
clauses 7iv7 & 7v7 z clauses 7vi7 &     
7vii71 respectively2  7#f7 by ins]t+    

aft] clause 7iii7 ! foll[+3  7iv7 9 !   
case ( any borr[] :o has receiv$ a call 
or ord] to duty describ$ 9 subclause    
7,i7 or 7,,ii7 ( clause 7iii71 dur+ !   
%ort] (--  7,i7 ! p]iod beg9n+ on ! date
 su* call or ord] to duty is receiv$ by 
! borr[] & end+ on ! fir/ day ( ! s]vice
 describ$ 9 subclause 7,i7 or 7,,ii7 (  
clause 7iii72 &  7,,ii7 ! #ahj-;day     
p]iod prec$+ ! fir/ day ( su* s]vice2   
7v7 not)/&+ clause 7iv7-- 7,i7 9 ! case 
( any borr[] describ$ 9 su* clause ^:   
call or ord] to duty is cancell$ be=e ! 
fir/ day ( ! s]vice describ$ 9 subclause
 7,i7 or 7,,ii7 ( clause 7iii7 because (
 a p]sonal injury 9 connection ) tra9+  
to prep>e = su* s]vice1 dur+ ! p]iod    
describ$ 9 clause 7iv7 & dur+ an        
additional p]iod equal to ! duration (  
su* s]vice1 z specifi$ by or o!rwise    
det]m9$ 9 ! orig9al call or ord] to     
duty2 &  7,,ii7 9 ! case ( any borr[] ^:
 call or ord] to duty is cancell$ be=e !
 fir/ day ( su* s]vice = a reason o!r   
?an an injury describ$ 9 subclause 7,i71

 dur+ ! p]iod beg9n+ on ! date ! call or
 ord] to duty is receiv$ by ! borr[] &  
end+ on ! date t is #ad days aft] su*   
call or ord] to duty is cancell$2  2    
7#g7 9 clause 7vi7 7z r$esignat$ by     
p>agraph 7#e771 by /rik+ n 9 excess &   
ins]t+ dur+ any p]iod n 9 excess2 &     
7#h7 9 clause 7vii7 7z r$esignat$ by    
p>agraph 7#e771 by /rik+ dur+ :i* &     
ins]t+ dur+ any p]iod dur+ :i*4  7d7    
,rule ( con/ruction ,no?+ 9 ! am5dm5ts  
made by ?is section %all be con/ru$ to  
au?orize any refund+ ( any repaym5t ( a 
loan4  7e7 ,applicability ,! am5dm5ts   
made by ?is section %all apply ) respect
 to all loans made1 insur$1 or gu>ante$ 
"u title ,,iv ( ! ,high] ,education ,act
 ( #aife 7#bj ,u4,s4,c4 #ajgj et seq474 
7f7 ,con=m+ am5dm5ts ,title ,,iv ( !    
,high] ,education ,act ( #aife 7#bj     
,u4,s4,c4 #ajgj et seq47 is fur!r       
am5d$--  7#a7 9 section                 
#dbh;,b7d77#a77;,a77ii7 7#bj ,u4,s4,c4  
#ajgh-b7;d77#a77;,a77ii771 by /rik+     
#dbh7;b77#a77,m77i77,i7 & ins]t+ or     

clause 7i77,i71 7iv71 or 7v7 ( section  
#dbh7;b77#a77,m72 &  7#b7 9 section     
#dic;,d7a7 7#bj ,u4,s4,c4 #ajih;f7a771  
by /rik+ section #dbh7;b77#a77,m77iii71 
#dee7;f77#b77;,c71 or                   
#dfd7;c77#b77;,a77iii7 & ins]t+ clause  
7iii7 or 7iv7 ( section                 
#dbh7;b77#a77,m71 subp>agraph 7,c7 or   
7,d7 ( section #dee7;f77#b71 or clause  
7iii7 or 7iv7 ( section                 
#dfd7;c77#b77;,a74  #c4 ,modification ( 
basis = annual adju/m5ts 9 am\nts (     
educational assi/ance = memb]s ( !      
,select$ ,res]ve  7a7 ,9 g5]al ,section 
#afaca7;b77#b7 ( title #aj1 ,unit$      
,/ates ,code1 is am5d$ by /rik+ equal to
 & all t foll[s & ins]t+ ! foll[+3 8n   
less ?an ! p]c5tage by :i*--  7,a7 !    
av]age co/ ( und]graduate tuition 9 !   
,unit$ ,/ates1 z det]m9$ by ! ,national 
,c5t] = ,education ,/ati/ics1 = ! la/   
academic ye> prec$+ ! beg9n+ ( ! fiscal 
ye> = :i* ! increase is made1 exce$s    
7,b7 ! av]age co/ ( und]graduate tuition
 9 ! ,unit$ ,/ates1 z s det]m9$1 = !    

academic ye> prec$+ ! academic ye>      
describ$ 9 subp>agraph 7,a74  4  7b7    
,effective date ,! am5dm5t made by      
subsection 7a7 %all take effect on      
,octob] #a1 #bjae1 & %all apply to      
adju/m5ts 9 am\nts ( educational        
assi/ance = memb]s ( ! ,select$ ,res]ve 
t are made = fiscal ye>s beg9n+ on or   
aft] t date4  #d4 ,cr$it protections =  
s]vicememb]s  7a7 ,active duty freeze   
al]ts ,section #fje;,a ( ! ,fair ,cr$it 
,report+ ,act 7#ae ,u4,s4,c4 #afha;c-#a7
 is am5d$-- 7#a7 9 ! head+ = su*        
section1 by /rik+ & active duty al]ts & 
ins]t+ 1 active duty al]ts1 & active    
duty freeze al]ts2  7#b7 by r$esignat+  
subsections 7d7 ?r\gh 7h7 z subsections 
7e7 ?r\gh 7i71 respectively2  7#c7 by   
ins]t+ aft] subsection 7c7 ! foll[+3    
7d7  ,active duty freeze al]ts  ,^u !   
direct reque/ ( an active duty milit>y  
consum]1 or an individual act+ on behalf
 ( or z a p]sonal repres5tative ( an    
active duty milit>y consum]1 a consum]  
report+ ag5cy describ$ 9 section #fjc7p7

 t ma9ta9s a file on ! active duty      
milit>y consum] & has receiv$           
appropriate pro( ( ! id5tity ( ! reque/]
 %all--  7#a7 include an active duty    
freeze al]t 9 ! file ( t active duty    
milit>y consum]1 & also provide t al]t  
along ) any cr$it score g5]at$ 9 us+ t  
file1 dur+ a p]iod ( n less ?an #ab     
mon?s1 or su* long] p]iod z ! ,bureau   
%all det]m9e1 by regulation1 beg9n+ on !
 date ( ! reque/1 unless ! active duty  
milit>y consum] or su* repres5tative    
reque/s t su* freeze al]t be remov$ be=e
 ! end ( su* p]iod1 & ! ag5cy has       
receiv$ appropriate pro( ( ! id5tity ( !
 reque/] = su* purpose2  7#b7 dur+ !    
#b-ye> p]iod beg9n+ on ! date ( su*     
reque/1 exclude ! active duty milit>y   
consum] f any li/ ( consum]s prep>$ by !
 consum] report+ ag5cy & provid$ to any 
?ird p>ty to (f] cr$it or insurance to !
 consum] z "p ( a transaction t 0 n     
initiat$ by ! consum]1 unless ! consum] 
reque/s t su* exclusion be resc9d$ be=e 
! end ( su* p]iod2 &  7#c7 ref] !       

in=mation reg>d+ ! active duty freeze   
al]t to ea* ( ! o!r consum] report+     
ag5cies describ$ 9 section #fjc7p71 9   
accordance ) proc$ures develop$ "u      
section #fba7;f74  2  7#d7 9 subsection 
7e71 z s r$esignat$-- 7,a7 by /rik+     
ext5d$1 & active duty al]ts & ins]t+    
ext5d$1 active duty1 & active duty      
freeze al]ts2 &  7,b7 by /rik+ ext5d$1  
or active duty al]ts & ins]t+ ext5d$1   
active duty1 or active duty freeze      
al]ts2  7#e7 9 subsection 7f71 z s      
r$esignat$--  7,a7 9 ! matt] prec$+     
p>agraph 7#a71 by /rik+ or active duty  
al]t & ins]t+ active duty al]t1 or      
active duty freeze al]t2  7,b7 9        
p>agraph 7#b71 by /rik+ 2 & & ins]t+ a  
semicolon2  7,c7 9 p>agraph 7#c71 by    
/rik+ ! p]iod & ins]t+ 2 &2 &  7,d7 by  
add+ at ! end ! foll[+3  7#d7 p>agraphs 
7#a7 & 7#b7 ( subsection 7d71 9 ! case (
 a ref]ral "u subsection 7d77#c74  2    
7#f7 9 subsection 7g71 z s r$esignat$1  
by /rik+ or active duty al]t & ins]t+   
active duty al]t1 or active duty freeze 

al]t2 &  7#g7 9 subsection 7i71 z s     
r$esignat$1 by add+ at ! end ! foll[+3  
7#c7 ,requirem5ts = active duty freeze  
al]ts  7,a7 ,notification ,ea* active   
duty freeze al]t "u ?is section %all    
include in=mation t notifies all        
prospective us]s ( a consum] report on !
 consum] to :i* ! freeze al]t relates t 
! consum] does n au?orize ! e/abli%m5t (
 any new cr$it plan or ext5sion ( cr$it1
 includ+ any cr$it "u an op5-end cr$it  
plan 7z def9$ 9 section #ajc7;i771 9 !  
"n ( ! consum]1 or issuance ( an        
additional c>d on an exi/+ cr$it acc\nt 
reque/$ by a consum]1 or any increase 9 
cr$it limit on an exi/+ cr$it acc\nt    
reque/$ by a consum]4  7,b7             
,prohibition on us]s ,no prospective us]
 ( a consum] report t includes an active
 duty freeze al]t 9 accordance ) ?is    
section may e/abli% a new cr$it plan or 
ext5sion ( cr$it1 includ+ any cr$it "u  
an op5-end cr$it plan 7z def9$ 9 section
 #ajc7;i771 9 ! "n ( ! consum]1 or issue
 an additional c>d on an exi/+ cr$it    

acc\nt reque/$ by a consum]1 or grant   
any increase 9 cr$it limit on an exi/+  
cr$it acc\nt reque/$ by a consum]4  4   
7b7 ,rulemak+ ,! ,bureau ( ,consum]     
,f9ancial ,protection %all prescribe    
regulations to def9e :at con/itutes     
appropriate pro( ( id5tity = purposes ( 
section #fje;,a7d7 ( ! ,fair ,cr$it     
,report+ ,act1 z am5d$ by ?is ,act4  7c7
 ,te*nical am5dm5t ,section #fjc7q77#b7 
( ! ,fair ,cr$it ,report+ ,act 7#ae     
,u4,s4,c4 #afha;a7q77#b77 is am5d$--    
7#a7 9 ! head+ = su* p>agraph1 by /rik+ 
active duty al]t & ins]t+ active duty   
al]t2 active duty freeze al]t2 &  7#b7  
by ins]t+ & active duty freeze al]t be=e
 mean4  #e4 ,report on effect on privacy
 ( vet]ans by use ( social security     
numb]s to uniquely id5tify vet]ans  7a7 
,9 g5]al ,n lat] ?an #abj days aft] !   
date ( ! enactm5t ( ?is ,act1 !         
,secret>y ( ,vet]ans ,affairs %all      
submit to ! ,committee on ,vet]ans'     
,affairs ( ! ,s5ate & ! ,committee on   
,vet]ans' ,affairs ( ! ,h\se (          

,repres5tatives a report on ! effect on 
! privacy ( vet]ans ( ! use ( social    
security numb]s to uniquely id5tify     
vet]ans4  7b7 ,cont5ts ,! report requir$
 by subsection 7a7 %all include !       
foll[+3  7#a7 ,a description ( su*      
actions z ! ,secret>y may h tak5 to     
transition ! ,dep>tm5t ( ,vet]ans       
,affairs f ! use ( social security      
numb]s to uniquely id5tify vet]ans to ! 
use ( alt]native & saf] unique          
id5tifi]s4  7#b7 ,a description ( su*   
actions z ! ,secret>y may h tak5 to     
integrate ! use by ! ,dep>tm5t (        
,vet]ans ,affairs ( su* alt]native &    
saf] unique id5tifi]s ) ! usage ( unique
 id5tifi]s by ! ,dep>tm5t ( ,def5se4    
7#c7 ,9 a case 9 :i* ! ,secret>y has n  
tak5 any actions describ$ 9 p>agraph    
7#a7 or 7#b71 an explanation z to :y su*
 actions h n be5 tak5 & a description ( 
! actions ! ,secret>y w take to protect 
! privacy ( vet]ans4