,,ii  #aagth ,,congress  #ast ,session  
,s4 #iie  ,,in ,,the ,,senate ,,of ,,the
 ,,united ,,states  ,march #be1         
#bjba,ms4 ,baldwin introduced the       
following bill2 which was read twice and
 referred to the ,committee on ,health1 
,education1 ,labor1 and ,pensions  ,a   
,,bill  ,to amend the ,stop ,student    
,debt ,relief ,scams ,act of #bjai to   
make technical corrections4  #a4 ,short 
title ,this ,act may be cited as the    
,stop ,student ,debt ,relief ,scams     
,technical ,corrections ,act4  #b4      
,guidance on criminal penalties ,the    
,stop ,student ,debt ,relief ,scams ,act
 of #bjai 7,public ,law #aaf-bea7 is    
amended in section #b7;b7 by striking   
,the ,secretary and inserting ,not later
 than ,july #a1 #bjba1 the ,secretary4  
#c4 ,requirements for third-party data  
system access  7a7 ,amendments          
,subsection 7e7 of section #dhe;,b of   
the ,higher ,education ,act of #aife1 as
 added by section #d7c7 of the ,stop    
,student ,debt ,relief ,scams ,act of   

#bjai 7,public ,law #aaf-bea71 is       
amended-- 7#a7 in paragraph 7#a71 in the
 matter preceding subparagraph 7,a71 by 
inserting 1 at the discretion of the    
,secretary1 after may2  7#b7 in         
paragraph 7#b7-- 7,a7 in the matter     
preceding subparagraph 7,a71 by striking
 means-- and inserting means either of  
the following32  7,b7 in subparagraph   
7,a7-- 7i7 by striking a guaranty agency
 the first place such term appears and  
inserting ,a guaranty agency2 and  7ii7 
by striking 2 or and inserting a period2
 and  7,c7 by striking subparagraph 7,b7
 and inserting the following3  7,b7 7i7 
,an attorney1 government1 agency1 or    
organization described in any of        
subclauses 7,i7 through 7,,iv7 of clause
 7ii71 who or that-- 7,i7 is providing  
financial or student loan repayment     
services or counseling to a student1    
borrower1 or parent2  7,,ii7 has not    
engaged in unfair1 deceptive1 or abusive
 practices 7including an entity that is 
owned or operated by a person or entity 

that engaged in such practices71 as     
determined by the ,secretary2  7,,iii7  
accesses the system only through a      
separate point of entry2 and  7,,iv7 has
 consent from the relevant student1     
borrower1 or parent to access the       
system4  7ii7 7,i7 ,a licensed attorney 
representing a student1 borrower1 or    
parent4  7,,ii7 ,a ,federal1 ,state1    
local1 or ,tribal government or agency4 
7,,iii7 ,a nonprofit organization4      
7,,iv7 ,a for-profit organization-- 7aa7
 authorized as a public benefit         
corporation to provide a public benefit 
of objective and accurate financial or  
student loan repayment services or      
counseling2  7bb7 that is approved by   
the ,secretary in accordance with       
paragraphs 7#c7 and 7#d72 and  7cc7 that
 does not charge the student1 borrower1 
or parent a fee or any other monetary   
charge for financial or student loan    
repayment services or counseling or any 
other services at any point4  2 and     
7#c7 by adding at the end the following3

  7#c7 ,discretion to approve           
applications ,approval of applications  
from authorized persons or entities for 
third-party data access shall be at the 
discretion of the ,secretary after      
consideration of such applications as   
the ,secretary may prescribe4           
,authorized access shall be for periods 
as the ,secretary may determine and may 
be terminated at the discretion of the  
,secretary4  7#d7 ,consideration for    
for-profit organization approval to     
access the system ,in considering       
applications for approval for           
third-party data system access in       
accordance with this subsection by a    
for-profit organization described in    
paragraph 7#b77;,b77ii77,,iv71 the      
,secretary shall-- 7,a7 consider how the
 no fee service or counseling to the    
student1 borrower1 or parent is funded  
and determine whether the organization  
provides financial or student loan      
repayment services or counseling in the 
best interest of students1 borrowers1 or

 parents1 in consultation with the      
,private ,education ,loan ,ombudsman of 
the ,consumer ,financial ,protection    
,bureau 7designated pursuant to section 
#ajce of the ,consumer ,financial       
,protection ,act of #bjaj ,act 7#ab     
,u4,s4,c4 #eece772 and  7,b7 respond in 
writing1 which may include electronic   
communication1 to such organization     
regarding such application not later    
than #ahj days after the date of        
submission of the application4  4  7b7  
,effective date ,the amendments made in 
this section shall take effect as if    
included in the ,stop ,student ,debt    
,relief ,scams ,act of #bjai 7,public   
,law #aaf-bea7 and in accordance with   
section #f of such ,act4