,i  #aaf? ,,congress  #a/ ,session  ,h4 
,r4 #ebhg  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,decemb] #c1 #bjai,mr4
 ,lawson ( ,florida introduc$ ! foll[+  
bill2 :i* 0 ref]r$ to ! ,committee on   
,f9ancial ,s]vices1 & 9 addition to !   
,committees on ! ,judici>y1 & ,education
 & ,labor1 = a p]iod to be subsequ5tly  
det]m9$ by ! ,speak]1 9 ea* case =      
consid]ation ( su* provisions z fall )9 
! jurisdiction ( ! committee conc]n$  ,a
 ,,bill  ,to am5d ! ,fair ,debt         
,collection ,practices ,act to prohibit 
debt collectors f collect+ on c]ta9     
,f$]al /ud5t loan debt :5 ! borr[] w\ld 
n be requir$ to make paym5ts "u an      
income-driv5 repaym5t plan1 & = o!r     
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,fair ,/ud5t ,loan ,debt   
,collection ,practices ,act4  #b4       
,collection re/rictions ) respect to    
,f$]al /ud5t loans  7a7 ,9 g5]al ,!     
,fair ,debt ,collection ,practices ,act 
7#ae ,u4,s4,c4 #afib et seq47 is am5d$--
  7#a7 by ins]t+ aft] section #haa !    

foll[+3  #haa;,a4 ,collection           
re/rictions ) respect to ,f$]al /ud5t   
loans  7a7 ,prohibition on collect+ f   
borr[]s bel[ c]ta9 income guidel9es ,a  
debt collector may n attempt to collect 
a ,f$]al /ud5t loan debt f a borr[] dur+
 any p]iod ( "t :5 a simil>ly situat$   
borr[] w\ld n be requir$ to make a      
paym5t "u an income-driv5 repaym5t plan4
  7b7 ,limitation on am\nts collect$    
bas$ on c]ta9 income guidel9es ,dur+ any
 #a-mon? p]iod1 a debt collector may n  
attempt to collect f a borr[] an am\nt )
 respect to a ,f$]al /ud5t loan debt t  
exce$s ! am\nt t a simil>ly situat$     
borr[] w\ld be requir$ to make = su*    
mon? "u an income-driv5 repaym5t plan4  
7c7 ,c]tification be=e accept+ paym5t ,a
 debt collector may n accept any paym5t 
) respect to a ,f$]al /ud5t loan debt   
unless ! debt collector fir/ c]tifies to
 ! borr[] t ! borr[] is n eligible = any
 adm9i/rative dis*>ge ( su* debt4  7d7  
,def9itions ,9 ?is section3 7#a7 ,debt  
collector ,! t]m debt collector--  7,a7 

has ! mean+ giv5 ! t]m "u section #hjc2 
&  7,b7 means any o!r p]son t ent]s into
 a contract ) ! ,secret>y ( ,education  
pursuant to section #def ( ! ,high]     
,education ,act ( #aife 7#bj ,u4,s4,c4  
#ajhg;f7 to collect on a loan made1     
insur$1 or gu>ante$ "u title ,,iv ( su* 
,act 7#bj ,u4,s4,c4 #ajgj et seq474     
7#b7 ,f$]al /ud5t loan ,! t]m ,f$]al    
/ud5t loan means a loan made1 insur$1 or
 gu>ante$ "u title ,,iv ( ! ,high]      
,education ,act ( #aife4  7#c7 ,f$]al   
/ud5t loan debt ,! t]m ,f$]al /ud5t loan
 debt means a debt ) respect to a ,f$]al
 /ud5t loan4  7#d7 ,income-driv5        
repaym5t plan ,! t]m income-driv5       
repaym5t plans means an income-driv5    
repaym5t plan describ$ "u section       
#dic;,c ( ! ,high] ,education ,act (    
#aife 7#bj ,u4,s4,c4 #ajih;e7 made to a 
new borr[] on or aft] ,july #a1 #bjad4  
7#e7 ,simil>ly situat$ borr[] ,) respect
 to a borr[]1 ! t]m simil>ly situat$    
borr[] means ano!r borr[] t has ! same  
income & family size *>act]i/ics4  2 &  

7#b7 9 ! table ( cont5ts = su* ,act1 by 
ins]t+ aft] ! item relat+ to section    
#haa ! foll[+3  #haa;,a4 ,collection    
re/rictions ) respect to ,f$]al /ud5t   
loans4  4  7b7 ,debt waiv] requirem5ts  
,section #cgaa7;g7 ( ! title #ca1 ,unit$
 ,/ates ,code1 is am5d$ by add+ at ! end
 ! foll[+3  7#aa7 ,! ,secret>y ( !      
,treasury %all1 be=e mak+ a det]m9ation 
at ! reque/ ( ! ,secret>y ( ,education  
"u p>agraph 7#b77;,b71 require !        
,secret>y ( ,education to e/abli%       
regulations or proc$ures approv$ by !   
,secret>y ( ! ,treasury--  7,a7 to      
ensure t any entity aw>d$ a contract    
pursuant to section #def ( ! ,high]     
,education ,act ( #aife 7#bj ,u4,s4,c4  
#ajhg;f7 to collect paym5ts f /ud5t loan
 borr[]s 9 default complies ) !         
requirem5ts ( ! ,fair ,debt ,collection 
,practices ,act2 &  7,b7 to ensure t any
 use by ! ,secret>y ( ,education ( !    
wage g>ni%m5t au?ority pursuant to      
section #dhh;,a ( ! ,high] ,education   
,act ( #aife 7#bj ,u4,s4,c4 #ajie;a7 be 

limit$ to--  7i7 ! collection ( debts f 
borr[]s :o w\ld n o!rwise be entitl$ to 
loan cancellation1 dis*>ge1 or =giv5ess 
"u any applicable provision ( ! ,high]  
,education ,act ( #aife2 &  7ii7 !      
collection ( debts f borr[]s = am\nts   
less ?an or equal to ! paym5t t w\ld be 
requir$ "u an income-driv5 repaym5t plan
 = a simil>ly situat$ borr[] 7z su* t]ms
 are def9$1 respectively1 "u section    
#haa;,a7d7 ( ! ,fair ,debt ,collection  
,practices ,act74  4  7c7 ,waiv] review 
& evaluation ,n lat] ?an #ahj days aft] 
! date ( ! enactm5t ( ?is ,act1 !       
,secret>y ( ! ,treasury %all--  7#a7    
review & evaluate any det]m9ation made  
at ! reque/ ( ! ,secret>y ( ,education  
"u section #cgaa7;g77#b77;,b7 ( title   
#ca1 ,unit$ ,/ates ,code2 &  7#b7 resc9d
 or reissue su* a det]m9ation to comply 
) ! requirem5ts e/abli%$ by p>agraph    
7#aa7 ( su* section1 z add$ by          
subsection 7b7 ( ?is ,act4