#aaf? ,,congress  #b;d ,session  ,s4    
#aaec  ,,an ,,act  ,to explicitly make  
unau?oriz$ access to ,dep>tm5t (        
,education in=mation te*nology sy/ems & 
! misuse ( id5tification devices issu$  
by ! ,dep>tm5t ( ,education a crim9al   
act4  #a4 ,%ort title ,?is ,act may be  
cit$ z ! ,/op ,/ud5t ,debt ,relief      
,scams ,act ( #bjai4  #b4 ,crim9al      
p5alties  7a7 ,9 ,g5]al ,section #dij ( 
! ,high] ,education ,act ( #aife 7#bj   
,u4,s4,c4 #ajig7 is am5d$ by add+ at !  
end ! foll[+3  7e7 ,access to ,dep>tm5t 
( ,education ,in=mation ,te*nology      
,sy/ems = fraud1 comm]cial advantage1 or
 private f9ancial ga9 ,any p]son :o     
kn[+ly uses an access device1 z def9$ 9 
section #ajbi7;e77#a7 ( title #ah1      
,unit$ ,/ates ,code1 issu$ to ano!r     
p]son or obta9$ by fraud or false       
/atem5t to access ,dep>tm5t in=mation   
te*nology sy/ems = purposes ( obta9+    
comm]cial advantage or private f9ancial 
ga91 or 9 fur!rance ( any crim9al or    
torti\s act 9 violation ( ! ,con/itution

 or laws ( ! ,unit$ ,/ates or ( any     
,/ate1 %all be f9$ n m ?an #bj1jjj1     
imprison$ = n m ?an #e ye>s1 or bo?4  4 
7b7 ,guidance ,! ,secret>y %all issue   
guidance reg>d+ ! use ( access devices 9
 a mann] t complies ) ?is ,act1 & !     
am5dm5ts made by ?is ,act4  7c7         
,effective date ( p5alties ,not)/&+     
section #f1 ! p5alties describ$ 9       
section #dij7;e7 ( ! ,high] ,education  
,act ( #aife 7#bj ,u4,s4,c4 #ajig71 z   
add$ by subsection 7a71 %all take effect
 ! day aft] ! date on :i* ! ,secret>y   
issues guidance reg>d+ ! use ( access   
devices1 z describ$ 9 subsection 7b74   
#c4 ,loan c\nsel+ ,section #dhe7;b7 ( ! 
,high] ,education ,act ( #aife 7#bj     
,u4,s4,c4 #ajib7;b77 is am5d$-- 7#a7 9  
clause 7viii71 by /rik+ & aft] !        
semicolon2 &  7#b7 by add+ at ! end !   
foll[+3  7x7 an explanation t-- 7,i7 !  
borr[] may be contact$ dur+ ! repaym5t  
p]iod by ?ird-p>ty /ud5t debt relief    
companies2  7,,ii7 ! borr[] %\ld use    
caution :5 deal+ ) ^? companies2 &      

7,,iii7 ! s]vices t ^? companies        
typically provide are already (f]$ to   
borr[]s free ( *>ge ?r\gh ! ,dep>tm5t or
 ! borr[]'s s]vic]2 &  4  #d4 ,prev5tion
 ( improp] access ,section #dhe;,b ( !  
,high] ,education ,act ( #aife 7#bj     
,u4,s4,c4 #ajib;b7 is am5d$-- 7#a7 by   
r$esignat+ subsections 7e7 ?r\gh 7h7 z  
subsections 7f7 ?r\gh 7i71 respectively2
  7#b7 9 subsection 7d7-- 7,a7 9        
p>agraph 7#e77;,c71 by /rik+ & aft] !   
semicolon2  7,b7 9 p>agraph 7#f77;,c71  
by /rik+ ! p]iod at ! end & ins]t+ 2 &2 
&  7,c7 by add+ at ! end ! foll[+3  7#g7
 prev5t+ access to ! data sy/em & any   
o!r sy/em us$ to adm9i/] a program "u   
?is title by any p]son or entity = !    
purpose ( assi/+ a /ud5t 9 manag+ loan  
repaym5t or apply+ = any repaym5t plan1 
consolidation loan1 or o!r b5efit       
au?oriz$ by ?is title1 unless su* access
 meets ! requirem5ts describ$ 9         
subsection 7e74  2  7#c7 by ins]t+ aft] 
subsection 7d7 ! foll[+3  7e7           
,requirem5ts = ?ird-,p>ty data sy/em    

access  7#a7 ,9 ,g5]al ,z provid$ 9     
p>agraph 7#g7 ( subsection 7d71 an      
au?oriz$ p]son or entity describ$ 9     
p>agraph 7#b7 may access ! data sy/em & 
any o!r sy/em us$ to adm9i/] a program  
"u ?is title if t access-- 7,a7 is 9    
compliance ) t]ms ( s]vice1 in=mation   
security /&>ds1 & a code ( conduct :i*  
%all be e/abli%$ by ! ,secret>y &       
publi%$ 9 ! ,f$]al ,regi/]2  7,b7 is    
obta9$ us+ an access device 7z def9$ 9  
section #ajbi7;e77#a7 ( title #ah1      
,unit$ ,/ates ,code7 issu$ by !         
,secret>y to ! au?oriz$ p]son or entity2
 &  7,c7 is obta9$ )\t us+ any access   
device 7z def9$ 9 section #ajbi7;e77#a7 
( title #ah1 ,unit$ ,/ates ,code7 issu$ 
by ! ,secret>y to a /ud5t1 borr[]1 or   
p>5t4  7#b7 ,au?oriz$ p]son or entity   
,an au?oriz$ p]son or entity describ$ 9 
?is p>agraph means-- 7,a7 a gu>anty     
ag5cy1 eligible l5d]1 or eligible       
in/itution1 or a ?ird-p>ty organization 
act+ on behalf ( a gu>anty ag5cy1       
eligible l5d]1 or eligible in/itution1 t

 is 9 compliance ) applicable ,f$]al law
 7includ+ regulations & guidance72 or   
7,b7 a lic5s$ attorney repres5t+ a      
/ud5t1 borr[]1 or p>5t1 or ano!r        
individual :o works = a ,f$]al1 ,/ate1  
local1 or ,tribal gov]nm5t or ag5cy1 or 
= a nonpr(it organization1 provid+      
f9ancial or /ud5t loan repaym5t c\nsel+ 
to a /ud5t1 borr[]1 or p>5t1 if-- 7i7 t 
attorney or o!r individual has nev]     
engag$ 9 unfair1 deceptive1 or abusive  
practices1 z det]m9$ by ! ,secret>y2    
7ii7 t attorney or o!r individual does n
 "w = an entity t has engag$ 9 unfair1  
deceptive1 or abusive practices 7includ+
 an entity t is own$ or op]at$ by a     
p]son or entity t engag$ 9 su*          
practices71 z det]m9$ by ! ,secret>y2   
7iii7 sy/em access is provid$ only ?r\gh
 a sep>ate po9t ( entry2 &  7iv7 !      
attorney or o!r individual has cons5t f 
! relevant /ud5t1 borr[]1 or p>5t to    
access ! sy/em4  2 &  7#d7 9 subsection 
7f77#a71 z r$esignat$ by p>agraph 7#a7--
 7,a7 9 subp>agraph 7,a71 by /rik+ /ud5t

 & p>5t & ins]t+ /ud5t1 borr[]1 & p>5t2 
7,b7 by r$esignat+ subp>agraphs 7,c7 &  
7,d7 z subp>agraphs 7,d7 & 7,e71        
respectively2  7,c7 by ins]t+ aft]      
subp>agraph 7,b7 ! foll[+3  7,c7 !      
r$uction 9 improp] data sy/em access z  
describ$ 9 subsection 7d77#g72  2 &     
7,d7 by /rik+ subp>agraph 7,e71 z       
r$esignat$ by subp>agraph 7,b71 & ins]t+
 ! foll[+3  7,e7 any protocols1 codes ( 
conduct1 t]ms ( s]vice1 or in=mation    
security /&>ds develop$ "u p>agraphs    
7#f7 or 7#g7 ( subsection 7d7 dur+ !    
prec$+ fiscal ye>4  4  #e4 ,ag5cy       
prev5tion & detection ,section          
#ada7;b77#b7 ( ! ,high] ,education ,act 
( #aife 7#bj ,u4,s4,c4 #ajah7;b77#b77 is
 am5d$ by add+ at ! end ! foll[+3  7,c7 
,tak+ action to prev5t & address !      
improp] use ( access devices1 z describ$
 9 section #dhe;,b7d77#g71 includ+ by-- 
7i7 detect+ common patt]ns ( improp] use
 ( any sy/em t processes paym5ts on     
,f$]al ,direct ,loans or o!r ,dep>tm5t  
in=mation te*nology sy/ems2  7ii7       

ma9ta9+ a report+ sy/em = contractors   
involv$ 9 ! process+ ( paym5ts on ,f$]al
 ,direct ,loans 9 ord] to all[ ^?       
contractors to al]t ! ,secret>y (       
pot5tially improp] use ( ,dep>tm5t      
in=mation te*nology sy/ems2  7iii7      
proactively contact+ ,f$]al /ud5t loan  
borr[]s ^: ,f$]al /ud5t loan acc\nts    
demon/rate a likelihood ( improp] use 9 
ord] to w>n ^? borr[]s ( suspici\s      
activity or pot5tial fraud reg>d+ _!    
,f$]al /ud5t loan acc\nts2 &  7iv7      
provid+ cle> & simple disclosures 9     
communications ) borr[]s :o are apply+ =
 or reque/+ assi/ance ) ,f$]al ,direct  
,loan programs 7includ+ assi/ance or    
applications reg>d+ income-driv5        
repaym5t1 =be>ance1 def]m5t1            
consolidation1 rehabilitation1          
cancellation1 & =giv5ess7 to ensure t   
borr[]s are aw>e t ! ,dep>tm5t w nev]   
require borr[]s to pay = su* assi/ance  
or applications4  4  #f4 ,effective date
 ,?is ,act1 & ! am5dm5ts made by ?is    
,act1 %all take effect on ! date t is   

#ahj days aft] ! date ( enactm5t ( ?is  
,act4  ,pass$ ! ,s5ate ,decemb] #a1     
#bjbj4,secret>y