,i  #aaf? ,,congress  #a/ ,session  ,h4 
,r4 #ceai  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,june #bf1 #bjai,ms4  
,s*ri] 7= h]self1 ,mr4 ,allr$1 ,mr4     
,ca/5 ( ,ill9ois1 & ,ms4 ,k5dra ,s4     
,horn ( ,oklahoma7 introduc$ ! foll[+   
bill2 :i* 0 ref]r$ to ! ,committee on   
,education & ,labor  ,a ,,bill  ,to     
direct ! ,secret>y ( ,education to      
develop a common manual = loan s]vic]s  
to ensure quality ( practice & increase 
borr[] satisfaction4  #a4 ,%ort title   
,?is ,act may be cit$ z ! ,bett] ,s]vice
 to ,borr[]s ,act ( #bjai4  #b4 ,requir+
 a common manual = s]vic]s  7a7 ,9 g5]al
 ,"p ,g ( title ,,iv ( ! ,high]         
,education ,act ( #aife 7#bj ,u4,s4,c4  
#ajhh et seq47 is am5d$ by add+ at ! end
 ! foll[+3  #dic;,e4 ,requir+ a common  
manual = loan s]vic]s  7a7 ,9 g5]al ,n  
lat] ?an #a ye> aft] ! date ( enactm5t (
 ! ,bett] ,s]vice to ,borr[]s ( #bjai1 !
 ,secret>y %all develop a manual (      
common proc$ures & policies = entities )
 :i* ! ,secret>y ent]s into contracts = 

! orig9ation1 s]vic+1 & collection (    
cov]$ loans to /&>dize proc$ures to     
ensure consi/5cy ( quality & practice   
across loan s]vic]s1 & a m9imum /&>d (  
quality & practice to ensure t borr[]s  
are well-s]v$4  7b7 ,updates ,!         
,secret>y %all update ! manual "u       
subsection 7a7 z frequ5tly z may be     
necess>y1 b n less frequ5tly ?an e #e   
ye>s4  7c7 ,cov]$ loans def9$ ,! t]m    
cov]$ loans means-- 7#a7 loans sold or  
assign$ to ! ,secret>y "u "p ,b2  7#b7  
loans made or pur*as$ "u "p ,d2 &  7#c7 
loans ref]r$1 transf]r$1 or assign$ to !
 ,secret>y "u "p ,e4  4  7b7 ,"p ,d     
loans ,section #def7;a77#b7 ( ! ,high]  
,education ,act ( #aife 7#bj ,u4,s4,c4  
#ajhg;f7a77#b77 is am5d$ 9 ! fir/ s5t5ce
 by ins]t+ be=e ! p]iod at ! end !      
foll[+3 1 includ+ ! applicable proc$ures
 & policies describ$ 9 ! manual develop$
 "u section #dic;,e4