,i  #aaf? ,,congress  #a/ ,session  ,h4 
,r4 #dfbg  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,octob] #h1 #bjai,ms4 
,scanlon 7= h]self & ,ms4 ,om>7         
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,education & ,labor  ,a
 ,,bill  ,to am5d ! ,high] ,education   
,act ( #aife to e/abli% ! ,(fice ( !    
,borr[] ,advocate4  #a4 ,%ort title ,?is
 ,act may be cit$ z ! ,/ud5t ,borr[]    
,advocate ,act4  #b4 ,p]=mance-bas$     
organization = deliv]y ( ,f$]al /ud5t   
f9ancial assi/ance  7a7 ,,pbo ,section  
#ada7;f7 ( ! ,high] ,education ,act (   
#aife 7#bj ,u4,s4,c4 #ajah7;f77 is am5d$
 to read z foll[s3  7f7 ,borr[]         
,advocate  7#a7 ,9 g5]al ,!re is        
e/abli%$ 9 ! ,,pbo an ,(fice ( ! ,borr[]
 ,advocate 7ref]r$ to 9 ?is subsection z
 ! ,(fice74 ,! function ( ! ,(fice %all 
be to provide timely assi/ance to       
borr[]s ( loans made1 insur$1 or        
gu>ante$ "u title ,,iv by p]=m+ ! duties
 describ$ 9 p>agraph 7#f74  7#b7 ,head (
 ,(fice ,!re %all be an (ficial kn[n z !

 ,borr[] ,advocate :o %all s]ve z ! head
 ( ! ,(fice4 ,! ,borr[] ,advocate %all  
be appo9t$ by ! ,secret>y f among       
individuals :o h work$ closely ) !      
,f$]al /ud5t loan programs au?oriz$ "u  
title ,,iv4  7#c7 ,removal ,! ,borr[]   
,advocate may be remov$ only by !       
,secret>y :o %all communicate ! reasons 
= any su* removal to ! au?oriz+         
committees4  7#d7 ,re/rictions  7,a7    
,pres]vice & 9-s]vice re/rictions ,an   
individual may n s]ve z ! ,borr[]       
,advocate if su* individual-- 7i7 is    
employ$ by1 or has a f9ancial int]e/ 91 
an entity t contracts ) ! ,,pbo2 or     
7ii7 0 employ$ by1 or _h a f9ancial     
int]e/ 91 any su* entity 9 any ( !      
five-ye>s prec$+ ! date ( ! individual's
 appo9tm5t z ! ,borr[] ,advocate4  7,b7 
,po/s]vice re/rictions ,an individual :o
 s]v$ z ! ,borr[] ,advocate may n accept
 employm5t ) an entity t contracts ) !  
,,pbo until a p]iod ( five ye>s has     
elaps$ foll[+ ! date on :i* su*         
individual's s]vice z ! ,borr[]         

,advocate t]m9at$4  7#e7 ,/aff ,! ,(fice
 %all be /aff$ suffici5tly to c>ry out !
 responsibilities ( ! ,(fice "u ?is     
subsection4  7#f7 ,duties ( ! ,borr[]   
,advocate ,! ,(fice ( ! ,borr[]         
,advocate %all-- 7,a7 assi/ borr[]s (   
loans made1 insur$1 or gu>ante$ "u title
 ,,iv 9 resolv+ problems ) ! ,,pbo & its
 contractors or o!r ag5ts1 includ+ by-- 
7i7 receiv+ & review+ compla9ts ( su*   
problems f borr[]s2  7ii7 work+ to      
resolve su* compla9ts 9 a mann] t is 9 !
 be/ int]e/s ( borr[]s2 &  7iii7        
transmitt+ su* compla9ts to ,/ates &    
recogniz$ accr$it+ ag5cies or           
associations1 z appropriate2  7,b7      
attempt to resolve compla9ts )9 !       
,dep>tm5t ( ,education & ) in/itutions (
 high] education1 l5d]s1 gu>anty        
ag5cies1 loan s]vic]s1 & o!r p>ticipants
 9 ! ,f$]al /ud5t loan programs au?oriz$
 "u title ,,iv 9 a mann] t w improve !  
exp]i5ce ( ! borr[]2  7,c7 compile &    
analyze data on borr[] compla9ts & %>e  
su* data ) ! ,director ( ! ,bureau (    

,consum] ,f9ancial ,protection2  7,d7   
publi%1 ) any p]sonally id5tifiable     
in=mation r$act$1 su* compla9ts &       
responses ( ! ,secret>y to su* compla9ts
 on ! website ( ! ,dep>tm5t2 &  7,e7    
make appropriate recomm5dations to      
,congress1 ! ,*ief ,op]at+ ,(fic]1 &    
,secret>y ) respect to ,f$]al /ud5t loan
 programs au?oriz$ "u title ,,iv & !    
exp]i5ces ( borr[]s 9 repaym5t ( loans  
"u su* programs4  7#g7 ,public in=mation
 ,! ,*ief ,op]at+ ,(fic] %all e/abli% & 
ma9ta9 a public page on ! website ( !   
,dep>tm5t ( ,education exclusively to   
provide memb]s ( ! public ) in=mation   
ab\t ! role ( ! ,,pbo ) respect to !    
ov]sight ( in/itutions ( high]          
education1 l5d]s1 gu>anty ag5cies1      
contractors t contract ) ! ,,pbo1       
subcontractors ( su* contractors1 & ?ird
 p>ty s]vic]s4  7#h7 ,report ,on an     
annual basis1 ! ,borr[] ,advocate %all  
submit to ! ,*ief ,op]at+ ,(fic] a      
report on ! activities ( ! ,(fice dur+ !
 prec$+ ye> t--  7,a7 id5tifies !       

activities c>ri$ out by ! ,borr[]       
,advocate2  7,b7 summ>izes ! compla9ts  
receiv$ f borr[]s1 includ+ ! numb] ( su*
 compla9ts1 & expla9s ! activities      
und]tak5 by ! ,,pbo to address su*      
compla9ts2  7,c7 proposes *anges 9 !    
adm9i/rative practices ( ! ,,pbo to     
mitigate problems exp]i5c$ by borr[]s2 &
  7,d7 id5tifies pot5tial legislative   
*anges :i* may be appropriate to        
mitigate su* problems4  4  7b7 ,con=m+  
am5dm5ts  7#a7 ,section #dcc7;b77#ac7 ( 
! ,high] ,education ,act ( #aife 7#bj   
,u4,s4,c4 #ajhc7;b77#ac77 is am5d$ by   
/rik+ ,/ud5t ,loan ,ombudsman & ins]t+  
,borr[] ,advocate4  7#b7 ,section       
#dcc7;e77#c77;,e7 ( ! ,high] ,education 
,act ( #aife 7#bj ,u4,s4,c4             
#ajhc7;e77#c77;,e77 is am5d$ by /rik+   
,/ud5t ,loan ,ombudsman & ins]t+ ,borr[]
 ,advocate4