#aaf? ,,congress  #a/ ,session  ,h4 ,r4 
#ecfc  ,,an ,,act  ,to reau?orize       
m&atory fund+ programs = hi/orically    
,black colleges & univ]sities & o!r     
m9ority-s]v+ in/itutions1 & = o!r       
purposes4  #a4 ,%ort title2 ref]5ces    
,?is ,act may be cit$ z ! ,fo/]+        
,und]graduate ,tal5t by ,unlock+        
,res\rces = ,education ,act or !        
,,future ,act4  #b4 ,cont9u$ support =  
m9ority-s]v+ in/itutions ,section       
#cga7;b77#a77;,a7 ( ! ,high] ,education 
,act ( #aife 7#bj ,u4,s4,c4             
#ajfgq7b77#a77;,a77 is am5d$ by /rik+ = 
ea* ( ! fiscal ye>s #bjjh ?r\gh #bjai4 &
 all t foll[s ?r\gh ! end ( !           
subp>agraph & ins]t+ = fiscal ye> #bjbj 
& ea* fiscal ye> !reaft]44  #c4 ,secure 
disclosure ( tax-return in=mation to    
c>ry out ! ,high] ,education ,act (     
#aife  7a7 ,9 g5]al ,p>agraph 7#ac7 (   
section #fajc7l7 ( ! ,int]nal ,rev5ue   
,code ( #aihf is am5d$ to read z foll[s3
  7#ac7 ,disclosure ( return in=mation  
to c>ry out ! ,high] ,education ,act (  

#aife  7,a7 ,applications &             
rec]tifications = income-cont+5t or     
income-bas$ repaym5t ,! ,secret>y %all1 
^u writt5 reque/ f ! ,secret>y (        
,education1 disclose to any au?oriz$    
p]son1 only = ! purpose ( 7& to ! ext5t 
necess>y 97 det]m9+ eligibility =1 or   
repaym5t obligations "u1 income-cont+5t 
or income-bas$ repaym5t plans "u title  
,,iv ( ! ,high] ,education ,act ( #aife 
) respect to loans "u "p ,d ( su* title1
 ! foll[+ return in=mation f returns 7= 
any taxable ye> specifi$ by ! ,secret>y 
( ,education z relevant to su* purpose7 
( an individual c]tifi$ by ! ,secret>y (
 ,education z hav+ provid$ approval "u  
section #did7;a77#b7 ( su* ,act 7z 9    
effect on ! date ( enactm5t ( ?is       
p>agraph7 = su* disclosure3  7i7        
,taxpay] id5tity in=mation4  7ii7 ,fil+ 
/atus4  7iii7 ,adju/$ gross income4     
7iv7 ,total numb] ( exemptions claim$1  
if applicable4  7v7 ,numb] ( dep5d5ts   
tak5 into acc\nt 9 det]m9+ ! cr$it all[$
 "u section #bd4  7vi7 ,if applicable1 !

 fact t !re 0 no return fil$4  7,b7     
,dis*>ge ( loan bas$ on total & p]man5t 
disability ,! ,secret>y %all1 ^u writt5 
reque/ f ! ,secret>y ( ,education1      
disclose to any au?oriz$ p]son1 only = !
 purpose ( 7& to ! ext5t necess>y 97    
monitor+ & re9/at+ loans "u title ,,iv (
 ! ,high] ,education ,act ( #aife t 7   
dis*>g$ bas$ on a total & p]man5t       
disability 7)9 ! mean+ ( section        
#dcg7;a7 ( su* ,act71 ! foll[+ return   
in=mation f returns 7= any taxable ye>  
specifi$ by ! ,secret>y ( ,education z  
relevant to su* purpose7 ( an individual
 c]tifi$ by ! ,secret>y ( ,education z  
hav+ provid$ approval "u section        
#did7;a77#c7 ( su* ,act 7z 9 effect on !
 date ( enactm5t ( ?is p>agraph7 = su*  
disclosure3 7i7 ,! return in=mation     
describ$ 9 clauses 7i71 7ii71 & 7vi7 (  
subp>agraph 7,a74  7ii7 ,! return       
in=mation describ$ 9 subp>agraph        
7,c77ii74  7,c7 ,f$]al /ud5t f9ancial   
aid ,! ,secret>y %all1 ^u writt5 reque/ 
f ! ,secret>y ( ,education1 disclose to 

any au?oriz$ p]son1 only = ! purpose (  
7& to ! ext5t necess>y 97 det]m9+       
eligibility =1 & am\nt (1 ,f$]al /ud5t  
f9ancial aid "u a program au?oriz$ "u   
subp>t #a ( "p ,a1 "p ,c1 or "p ,d (    
title ,,iv ( ! ,high] ,education ,act ( 
#aife ! foll[+ return in=mation f       
returns 7= ! taxable ye> us$ = purposes 
( section #dhj7;a7 ( su* ,act7 ( an     
individual c]tifi$ by ! ,secret>y (     
,education z hav+ provid$ approval "u   
section #did7;a77#a7 ( su* ,act 7z 9    
effect on ! date ( enactm5t ( ?is       
p>agraph7 = su* disclosure3  7i7 ,return
 in=mation describ$ 9 clauses 7i7 ?r\gh 
7vi7 ( subp>agraph 7,a74  7ii7 ,! am\nt 
( any net e>n+s f self-employm5t 7z     
def9$ 9 section #adjb7;a771 wages 7z    
def9$ 9 section #caba7;a7 or #cdja7;a771
 & taxable income f a f>m+ bus9ess 7z   
def9$ 9 section #bcf;,a7e77#d774  7iii7 
,am\nt ( total income tax4  7iv7 ,am\nt 
( any cr$it all[$ "u section #be;,a4    
7v7 ,am\nt ( individual retirem5t acc\nt
 di/ributions n includ$ 9 adju/$ gross  

income4  7vi7 ,am\nt ( individual       
retirem5t acc\nt contributions & paym5ts
 to self-employ$ ,,sep1 ,keogh1 & o!r   
qualifi$ plans :i* 7 d$uct$ f income4   
7vii7 ,am\nt ( tax-exempt int]e/        
receiv$4  7viii7 ,am\nts f retirem5t    
p5sions & annuities n includ$ 9 adju/$  
gross income4  7ix7 ,if applicable1 !   
fact t any ( ! foll[+ s*$ules 7or       
equival5t successor s*$ules7 7 fil$ ) ! 
return3 7,i7 ,s*$ule ,a4  7,,ii7 ,s*$ule
 ,b4  7,,iii7 ,s*$ule ,d4  7,,iv7       
,s*$ule ,e4  7,v7 ,s*$ule ,f4  7,,vi7   
,s*$ule ,h4  7x7 ,if applicable1 ! am\nt
 report$ on ,s*$ule ,c 7or an equival5t 
successor s*$ule7 z net pr(it or loss4  
7,d7 ,additional uses ( disclos$        
in=mation  7i7 ,9 g5]al ,9 addition to !
 purposes = :i* in=mation is disclos$ "u
 subp>agraphs 7,a71 7,b71 & 7,c71 return
 in=mation s disclos$ may be us$ by an  
au?oriz$ p]son1 ) respect to            
income-cont+5t or income-bas$ repaym5t  
plans1 aw>ds ( ,f$]al /ud5t f9ancial aid
 "u a program au?oriz$ "u subp>t #a ( "p

 ,a1 "p ,c1 or "p ,d ( title ,,iv ( !   
,high] ,education ,act ( #aife1 &       
dis*>ges ( loans bas$ on a total &      
p]man5t disability 7)9 ! mean+ ( section
 #dcg7;a7 ( su* ,act71 = purposes (--   
7,i7 r$uc+ ! net co/ ( improp] paym5ts  
"u su* plans1 relat+ to su* aw>ds1 or   
relat+ to su* dis*>ges1  7,,ii7 ov]sight
 activities by ! ,(fice ( ,inspector    
,g5]al ( ! ,dep>tm5t ( ,education z     
au?oriz$ by ! ,inspector ,g5]al ,act (  
#aigh1 &  7,,iii7 conduct+ analyses &   
=eca/s = e/imat+ co/s relat$ to su*     
plans1 aw>ds1 or dis*>ges4  7ii7        
,limitation ,! purposes describ$ 9      
clause 7i7 %all n include ! conduct (   
crim9al inve/igations or prosecutions4  
7iii7 ,r$isclosure to in/itutions (     
high] education1 ,/ate high] education  
ag5cies1 & designat$ s*ol>%ip           
organizations ,au?oriz$ p]sons may      
r$isclose return in=mation receiv$ "u   
subp>agraph 7,c71 solely = ! use 9 !    
application1 aw>d1 & adm9i/ration (     
f9ancial aid aw>d$ by ! ,f$]al gov]nm5t 

or aw>d$ by a p]son describ$ 9 subclause
 7,i71 7,,ii71 or 7,,iii71 to ! foll[+  
p]sons3  7,i7 ,an in/itution ( high]    
education p>ticipat+ 9 a program "u     
subp>t #a ( "p ,a1 "p ,c1 or "p ,d (    
title ,,iv ( ! ,high] ,education ,act ( 
#aife4  7,,ii7 ,a ,/ate high] education 
ag5cy4  7,,iii7 ,a s*ol>%ip organization
 :i* is an entity designat$ 7prior to ! 
date ( ! enactm5t ( ?is clause7 by !    
,secret>y ( ,education "u section       
#dhc7;a77#c77;,e7 ( su* ,act4  ,?is     
clause %all only apply to ! ext5t t !   
taxpay] ) respect to :om ! return       
in=mation relates provides writt5 cons5t
 = su* r$isclosure to ! ,secret>y (     
,education4  7,e7 ,au?oriz$ p]son ,=    
purposes ( ?is p>agraph1 ! t]m au?oriz$ 
p]son means1 ) respect to in=mation     
disclos$ "u subp>agraph 7,a71 7,b71 or  
7,c71 any p]son :o--  7i7 is an (fic]1  
employee1 or contractor1 ( ! ,dep>tm5t (
 ,education1 &  7ii7 is specifically    
au?oriz$ & designat$ by ! ,secret>y (   
,education = purposes ( su* subp>agraph 

7appli$ sep>ately ) respect to ea* su*  
subp>agraph74  7,f7 ,jo9t returns ,9 !  
case ( a jo9t return1 any disclosure    
au?oriz$ "u subp>agraph 7,a71 7,b71 or  
7,c7 ) respect to an individual %all be 
treat$ = purposes ( ?is p>agraph z      
apply+ ) respect to ! taxpay]4  4  7b7  
,confid5tiality ( return in=mation      
,section #fajc7;a77#c7 ( su* ,code is   
am5d$ by ins]t+ 1 7#ac7 aft] 7#ab74  7c7
 ,con=m+ am5dm5ts  7#a7 ,section        
#fajc7p77#c77;,a7 ( su* ,code is am5d$  
by /rik+ 7#ac74  7#b7 ,section          
#fajc7p77#d7 ( su* ,code is am5d$ by    
ins]t+ 1 7#ac7 aft] 7l77#aj7 ea* place x
 appe>s4  7d7 ,effective date ,!        
am5dm5ts made by ?is section %all apply 
to disclosures aft] ! date ( ! enactm5t 
( ?is ,act4  7e7 ,requirem5t ,to        
designate ! ,inspector ,g5]al ( !       
,dep>tm5t ( ,education z an au?oriz$    
p]son ,! ,secret>y ( ,education %all    
au?orize & designate ! ,inspector ,g5]al
 ( ! ,dep>tm5t ( ,education z an        
au?oriz$ p]son "u subp>agraph 7,e77ii7 (

 section #fajc7l77#ac7 ( ! ,int]nal     
,rev5ue ,code ( #aihf = purposes (      
subp>agraphs 7,a71 7,b71 & 7,c7 ( su*   
section4  7f7 ,report to ,treasury ,!   
,secret>y ( ,education %all annually    
submit a writt5 report to ! ,secret>y ( 
! ,treasury-- 7#a7 reg>d+ r$isclosures (
 return in=mation "u subp>agraph        
7,d77iii7 ( section #fajc7l77#ac7 ( !   
,int]nal ,rev5ue ,code ( #aihf1 includ+ 
! numb] ( su* r$isclosures2 &  7#b7     
reg>d+ any unau?oriz$ use1 access1 or   
disclosure ( return in=mation disclos$  
"u su* section4  7g7 ,report to         
,congress ,! ,secret>y ( ! ,treasury 7or
 ! ,secret>y's designee7 %all annually  
submit a writt5 report to ,congress     
reg>d+ disclosures "u section           
#fajc7l77#ac7 ( ! ,int]nal ,rev5ue ,code
 ( #aihf1 includ+ in=mation provid$ to !
 ,secret>y "u subsection 7f74  #d4      
,automatic rec]tification ( income  7a7 
,income-,cont+5t repaym5t  7#a7 ,9 g5]al
 ,section #dee7;e7 ( ! ,high] ,education
 ,act ( #aife 7#bj ,u4,s4,c4 #ajhg;e7e77

 is am5d$ by add+ at ! end ! foll[+3    
7#h7 ,automatic rec]tification  7,a7 ,9 
g5]al ,! ,secret>y %all e/abli% &       
implem5t1 ) respect to any borr[]       
describ$ 9 subp>agraph 7,b71 proc$ures  
to--  7i7 use return in=mation disclos$ 
"u section #fajc7l77#ac7 ( ! ,int]nal   
,rev5ue ,code ( #aihf1 pursuant to      
approval provid$ "u section #did1 to    
det]m9e ! repaym5t obligation ( ! borr[]
 )\t fur!r action by ! borr[]2  7ii7    
all[ ! borr[] 7or ! sp\se ( ! borr[]71  
at any "t1 to opt out ( disclosure "u   
su* section #fajc7l77#ac7 & in/ead      
provide su* in=mation z ! ,secret>y may 
require to det]m9e ! repaym5t obligation
 ( ! borr[] 7or )draw f ! repaym5t plan 
"u ?is subsection72 &  7iii7 provide !  
borr[] ) an opportunity to update !     
return in=mation s disclos$ be=e !      
det]m9ation ( ! repaym5t obligation ( ! 
borr[]4  7,b7 ,applicability            
,subp>agraph 7,a7 %all apply to ea*     
borr[] ( a loan made "u ?is "p :o1 on or
 aft] ! date on :i* ! ,secret>y         

e/abli%es proc$ures "u su* subp>agraph--
  7i7 selects1 or is requir$ to repay   
su* loan pursuant to1 an income-cont+5t 
repaym5t plan2 or  7ii7 rec]tifies      
income or family size "u su* plan4  4   
7#b7 ,con=m+ am5dm5t ,section           
#dee7;e77#f7 ( ! ,high] ,education ,act 
( #aife 7#bj ,u4,s4,c4 #ajhg;e7e77#f77  
is am5d$-- 7,a7 by /rik+ includ+        
notification ( su* borr[] & all t foll[s
 ?r\gh t if a borr[] & ins]t+ includ+   
notification ( su* borr[]1 t if a       
borr[]2 &  7,b7 by /rik+ z det]m9$ us+ !
 in=mation describ$ 9 subp>agraph 7,a71 
or ! alt]native docum5tation describ$ 9 
p>agraph 7#c74  7b7 ,income-,bas$       
repaym5t ,section #dic;,c7c7 ( ! ,high] 
,education ,act ( #aife 7#bj ,u4,s4,c4  
#ajih;e7c77 is am5d$--  7#a7 by /rik+ ,!
 ,secret>y %all e/abli% & ins]t+ !      
foll[+3  7#a7 ,9 g5]al ,! ,secret>y %all
 e/abli%  2 &  7#b7 by /rik+ ,!         
,secret>y %all consid] & ins]t+ !       
foll[+3  7#b7 ,proc$ures = eligibility  
,! ,secret>y %all--  7,a7 consid]  2    

7#c7 by /rik+ #dbh;,c7b77#a77;,e74 &    
ins]t+ ! foll[+3  #dbh;,c7b77#a77;,e72 &
 7,b7 c>ry out1 ) respect to borr[]s (  
any loan made "u "p ,d 7o!r ?an an      
except$ ,,plus loan or except$          
consolidation loan71 proc$ures =        
income-bas$ repaym5t plans t are        
equival5t to ! proc$ures c>ri$ out "u   
section #dee7;e77#h7 ) respect to       
income-cont+5t repaym5t plans4  4  #e4  
,automatic income monitor+ proc$ures    
aft] a total & p]man5t disability       
dis*>ge ,section #dcg7;a7 ( ! ,high]    
,education ,act ( #aife 7#bj ,u4,s4,c4  
#ajhg7;a77 is am5d$ by add+ at ! end !  
foll[+3  7#c7 ,automatic income monitor+
  7,a7 ,9 g5]al ,! ,secret>y %all       
e/abli% & implem5t1 ) respect to any    
borr[] describ$ 9 subp>agraph 7,b71     
proc$ures to--  7i7 use return in=mation
 disclos$ "u section #fajc7l77#ac7 ( !  
,int]nal ,rev5ue ,code ( #aihf1 pursuant
 to approval provid$ "u section #did1 to
 det]m9e ! borr[]'s cont9u$ eligibility 
= ! loan dis*>ge describ$ 9 subp>agraph 

7,b72  7ii7 all[ ! borr[]1 at any "t1 to
 opt out ( disclosure "u su* section    
#fajc7l77#ac7 & in/ead provide su*      
in=mation z ! ,secret>y may require to  
det]m9e ! borr[]'s cont9u$ eligibility =
 su* loan dis*>ge2 &  7iii7 provide !   
borr[] ) an opportunity to update !     
return in=mation s disclos$ be=e        
det]m9ation ( su* borr[]'s cont9u$      
eligibility = su* loan dis*>ge4  7,b7   
,applicability ,subp>agraph 7,a7 %all   
apply--  7i7 to ea* borr[] ( a loan t is
 dis*>g$ due to ! total & p]man5t       
disability 7)9 ! mean+ ( ?is subsection7
 ( ! borr[]2 &  7ii7 dur+ ! p]iod beg9n+
 on ! date on :i* su* loan is s dis*>g$ 
& end+ on ! fir/ day on :i* su* loan may
 no long] be re9/at$4  4  #f4 ,proc$ure 
& requirem5ts = reque/+ tax return      
in=mation f ! ,int]nal ,rev5ue ,s]vice  
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  #did4 ,proc$ure
 & requirem5ts = reque/+ tax return     

in=mation f ! ,int]nal ,rev5ue ,s]vice  
7a7 ,notification & approval requirem5ts
  7#a7 ,f$]al /ud5t f9ancial aid ,9 !   
case ( any writt5 or electronic         
application "u section #dhc by an       
individual = ,f$]al /ud5t f9ancial aid  
"u a program au?oriz$ "u subp>t #a ( "p 
,a1 "p ,c1 or "p ,d1 ! ,secret>y1 )     
respect to su* individual & any p>5t or 
sp\se ^: f9ancial in=mation is requir$  
to be provid$ on su* application1 %all--
  7,a7 notify su* individuals t-- 7i7 if
 su* individuals provide approval "u    
subp>agraph 7,b71 ! ,secret>y w h !     
au?ority to reque/ t ! ,secret>y ( !    
,treasury disclose return in=mation (   
su* individuals to au?oriz$ p]sons 7z   
def9$ 9 section #fajc7l77#ac7 ( !       
,int]nal ,rev5ue ,code ( #aihf7 = !     
relevant purposes describ$ 9 su*        
section2 &  7ii7 ! failure to provide   
su* approval = su* disclosure w result 9
 ! ,secret>y be+ unable to calculate    
eligibility = su* aid to su* individual2
 &  7,b7 require1 z a condition (       

eligibility = su* aid1 t su* individuals
 affirmatively approve ! disclosure     
describ$ 9 subp>agraph 7,a77i74  7#b7   
,income-cont+5t & income-bas$ repaym5t  
7,a7 ,new applicants ,9 ! case ( any    
writt5 or electronic application by an  
individual = an income-cont+5t or       
income-bas$ repaym5t plan = a loan "u "p
 ,d1 ! ,secret>y1 ) respect to su*      
individual & any sp\se ( su* individual1
 %all-- 7i7 provide to su* individuals !
 notification describ$ 9 p>agraph       
7#a77;,a77i72  7ii7 require1 z a        
condition ( eligibility = su* repaym5t  
plan1 t su* individuals-- 7,i7          
affirmatively approve ! disclosure      
describ$ 9 p>agraph 7#a77;,a77i7 & agree
 t su* approval %all s]ve z an ongo+    
approval ( su* disclosure until ! date  
on :i* ! individual elects to opt out ( 
su* disclosure "u section #dee7;e77#h7  
or ! equival5t proc$ures e/abli%$ "u    
section #dic;,c7c77#b77;,b71 z          
applicable2 or  7,,ii7 provide su*      
in=mation z ! ,secret>y may require to  

confirm ! eligibility ( su* individual =
 su* repaym5t plan4  7,b7               
,rec]tifications ,) respect to ! fir/   
writt5 or electronic rec]tification     
7aft] ! date ( ! enactm5t ( ! ,,future  
,act7 ( an individual's income or family
 size = purposes ( an income-cont+5t or 
income-bas$ repaym5t plan 7ent]$ into   
be=e ! date ( ! enactm5t ( ! ,,future   
,act7 = a loan "u "p ,d1 ! ,secret>y1 ) 
respect to su* individual & any sp\se ( 
su* individual1 %all meet ! requirem5ts 
( clauses 7i7 & 7ii7 ( subp>agraph 7,a7 
) respect to su* rec]tification4  7#c7  
,total & p]man5t disability ,9 ! case ( 
any writt5 or electronic application by 
an individual = a dis*>ge ( a loan "u   
?is title bas$ on total & p]man5t       
disability 7)9 ! mean+ ( section        
#dcg7;a77 t requires income monitor+1 ! 
,secret>y %all-- 7,a7 provide to su*    
individual ! notification describ$ 9    
p>agraph 7#a77;,a77i72 &  7,b7 require1 
z a condition ( eligibility = su*       
dis*>ge1 t su* individual-- 7i7         

affirmatively approve ! disclosure      
describ$ 9 p>agraph 7#a77;,a77i7 & agree
 t su* approval %all s]ve z an ongo+    
approval ( su* disclosure until ! e>li] 
(--  7,i7 ! date on :i* ! individual    
elects to opt out ( su* disclosure "u   
section #dcg7;a77#c77;,a72 or  7,,ii7 ! 
fir/ day on :i* su* loan may no long] be
 re9/at$2 or  7ii7 provide su* in=mation
 z ! ,secret>y may require to confirm ! 
eligibility ( su* individual = su*      
dis*>ge4  7b7 ,limit on au?ority ,!     
,secret>y %all only h au?ority to reque/
 t ! ,secret>y ( ! ,treasury disclose   
return in=mation "u section             
#fajc7l77#ac7 ( ! ,int]nal ,rev5ue ,code
 ( #aihf ) respect to an individual if !
 ,secret>y ( ,education has obta9$      
approval "u subsection 7a7 = su*        
disclosure4  4  7b7 ,con=m+ am5dm5t     
,section #dhd7q7 ( ! ,high] ,education  
,act ( #aife 7#bj ,u4,s4,c4 #ajia7q77 is
 repeal$4  #g4 ,increas$ fund+ = ,f$]al 
,pell ,grants ,section                  
#dja7;b77#g77;,a77iv7 ( ! ,high]        

,education ,act ( #aife 7#bj ,u4,s4,c4  
#ajgj;a7b77#g77;,a77iv77 is am5d$--     
7#a7 9 subclause 7,x71 by /rik+         
#a1dcj1jjj1jjj & ins]t+ #a1dee1jjj1jjj2 
&  7#b7 9 subclause 7,,xi71 by /rik+    
#a1ade1jjj1jjj & ins]t+ #a1agj1jjj1jjj4 
#h4 ,reports on implem5tation  7a7 ,9   
g5]al ,n lat] ?an ea* specifi$ date1 !  
,secret>y ( ,education & ! ,secret>y ( !
 ,treasury %all issue jo9t reports to ! 
,committees on ,heal?1 ,education1      
,labor1 & ,p5sions & ,f9ance ( ! ,s5ate 
& ! ,committees on ,education & ,labor &
 ,ways & ,means ( ! ,h\se (             
,repres5tatives reg>d+ ! am5dm5ts made  
by ?is ,act4 ,ea* su* report %all       
include1 z applicable-- 7#a7 an update  
on ! /atus ( implem5tation ( ! am5dm5ts 
made by ?is ,act2  7#b7 an evaluation ( 
h[ su* implem5tation _h affect$ !       
process+ ( applications = ,f$]al /ud5t  
f9ancial aid1 applications = income-bas$
 repaym5t & income-cont+5t repaym5t1 &  
applications = dis*>ge ( loans "u title 
,,iv ( ! ,high] ,education ,act ( #aife 

7#bj ,u4,s4,c4 #ajgj et seq47 bas$ on   
total & p]man5t disability2 &  7#c7     
implem5tation issues & sugge/ions =     
pot5tial improvem5ts4  7b7 ,specifi$    
date ,= purposes ( subsection 7a71 ! t]m
 specifi$ date means-- 7#a7 ! date t is 
#ij days aft] ! date ( ! enactm5t ( ?is 
,act2  7#b7 ! date t is #abj days aft] !
 fir/ day t ! disclosure process        
e/abli%$ "u section #fajc7l77#ac7 ( !   
,int]nal ,rev5ue ,code ( #aihf1 z am5d$ 
by section #c7;a7 ( ?is ,act1 is        
op]ational & accessible to (fic]s1      
employees1 & contractors ( ! ,dep>tm5t (
 ,education 7z specifically au?oriz$ &  
designat$ by ! ,secret>y ( ,education72 
&  7#c7 ! date t is #a ye> aft] ! report
 date describ$ 9 p>agraph 7#b74  ,pass$ 
! ,h\se ( ,repres5tatives ,decemb] #aj1 
#bjai4;,cl]k4