,i  #aaf? ,,congress  #a/ ,session  ,h4 
,r4 #cgfd  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,july #ae1 #bjai,ms4  
,scanlon 7= h]self1 ,mrs4 ,davis (      
,cali=nia1 ,mr4 ,cicill9e1 & ,mr4       
,nadl]7 introduc$ ! foll[+ bill2 :i* 0  
ref]r$ to ! ,committee on ! ,judici>y   
,a ,,bill  ,to am5d title #i ( ! ,unit$ 
,/ates ,code to prohibit pr$ispute      
arbitration agreem5ts t =ce arbitration 
( disputes aris+ f private education    
loans1 & = o!r purposes4  #a4 ,%ort     
title ,?is ,act may be cit$ z ! ,ju/ice 
= ,/ud5t ,borr[]s ,act4  #b4 ,purpose ,!
 purpose ( ?is ,act is to--  7#a7       
prohibit private educational l5d]s f us+
 pr$ispute arbitration agreem5ts 9 _!   
private education loans2 &  7#b7 to     
prohibit private educational l5d]s f us+
 pr$ispute jo9t-action waiv]s 9 _!      
private education loans4  #c4           
,arbitration ( private education loan   
disputes  7a7 ,9 g5]al ,title #i ( !    
,unit$ ,/ates ,code is am5d$ by add+ at 
! end ! foll[+3  #d ,arbitration (      

,private ,education ,loan ,disputes     
#dja4 ,def9itions4 #djb4 ,no validity or
 en=ceability4  #dja4 ,def9itions ,9 ?is
 *apt]--  7#a7 ! t]m private education  
loan has ! mean+ giv5 t t]m "u section  
#adj ( ! ,tru? 9 ,l5d+ ,act2  7#b7 ! t]m
 pr$ispute arbitration agreem5t means an
 agreem5t to arbitrate a dispute t has n
 yet aris5 at ! "t ( ! mak+ ( !         
agreem5t2 &  7#c7 ! t]m pr$ispute       
jo9t-action waiv] means an agreem5t1    
:e!r or n "p ( a pr$ispute arbitration  
agreem5t1 t w\ld prohibit1 or waive ! "r
 (1 "o ( ! p>ties to ! agreem5t to      
p>ticipate 9 a jo9t1 class1 or          
collective action 9 a judicial1         
arbitral1 adm9i/rative1 or o!r =um1     
conc]n+ a dispute t has n yet aris5 at !
 "t ( ! mak+ ( ! agreem5t4  #djb4 ,no   
validity or en=ceability  7a7 ,9 g5]al  
,not)/&+ any o!r provision ( ?is title1 
no pr$ispute arbitration agreem5t or    
pr$ispute jo9t-action waiv] %all be     
valid or en=ceable ) respect to a       
dispute relat+ to a private education   

loan4  7b7 ,applicability  7#a7 ,9 g5]al
 ,an issue z to :e!r ?is *apt] applies )
 respect to a dispute %all be det]m9$ "u
 ,f$]al law4 ,! applicability ( ?is     
*apt] to an agreem5t to arbitrate & !   
validity & en=ceability ( an agreem5t to
 :i* ?is *apt] applies %all be det]m9$  
by a c\rt1 r ?an an arbitrator1         
irrespective ( :e!r ! p>ty resi/+       
arbitration *all5ges ! arbitration      
agreem5t specifically or 9 conjunction )
 o!r t]ms ( ! contract conta9+ su*      
agreem5t1 & irrespective ( :e!r !       
agreem5t purports to delegate su*       
det]m9ations to an arbitrator4  7#b7    
,collective b>ga9+ agreem5ts ,no?+ 9 ?is
 *apt] %all apply to any arbitration    
provision 9 a contract betwe5 an employ]
 & a labor organization or betwe5 labor 
organizations1 except t no su*          
arbitration provision %all h ! effect ( 
waiv+ ! "r ( a work] to seek judicial   
en=cem5t ( a "r aris+ "u a provision ( !
 ,con/itution ( ! ,unit$ ,/ates1 a ,/ate
 con/itution1 or a ,f$]al or ,/ate      

/atute1 or public policy aris+ !refrom4 
4  7b7 ,te*nical & con=m+ am5dm5ts  7#a7
 ,9 g5]al ,title #i ( ! ,unit$ ,/ates   
,code is am5d$-- 7,a7 9 section #a by   
/rik+ ( seam51 & all t foll[s ?r\gh     
int]/ate comm]ce1 & ins]t+ 9 its place (
 individuals1 reg>dless ( :e!r su*      
individuals are designat$ z employees or
 indep5d5t contractors = o!r purposes2  
7,b7 9 section #b by ins]t+ or z o!rwise
 provid$ 9 *apt] #d be=e ! p]iod at !   
end2  7,c7 9 section #bjh--  7i7 9 !    
section head+ by /rik+ ,*apt] #a2       
residual application & ins]t+           
,application2 &  7ii7 by add+ at ! end !
 foll[+3 ,?is *apt] applies to ! ext5t t
 ?is *apt] is n 9 conflict ) *apt] #d42 
&  7,d7 9 section #cjg-- 7i7 9 ! section
 head+ by /rik+ ,*apt] #a2 residual     
application & ins]t+ ,application2 &    
7ii7 by add+ at ! end ! foll[+3 ,?is    
*apt] applies to ! ext5t t ?is *apt] is 
n 9 conflict ) *apt] #d44  7#b7 ,table (
 sections  7,a7 ,*apt] #b ,! table (    
sections ( *apt] #b ( title #i1 ,unit$  

,/ates ,code1 is am5d$ by /rik+ ! item  
relat+ to section #bjh & ins]t+ !       
foll[+3  #bjh4 ,application4  4  7,b7   
,*apt] #c ,! table ( sections ( *apt] #c
 ( title #i1 ,unit$ ,/ates ,code1 is    
am5d$ by /rik+ ! item relat+ to section 
#cjg & ins]t+ ! foll[+3  #cjg4          
,application4  4  7#c7 ,table ( *apt]s  
,! table ( *apt]s ( title #i1 ,unit$    
,/ates ,code1 is am5d$ by add+ at ! end 
! foll[+3  #d4 ,arbitration ( private   
education loan disputes  4  #d4         
,effective date ,?is ,act1 & ! am5dm5ts 
made by ?is ,act1 %all take effect on ! 
date ( enactm5t ( ?is ,act & %all apply 
) respect to any dispute or claim t     
arises or accrues on or aft] su* date4