,,ii  #aag? ,,congress  #a/ ,session    
,s4 #iie  ,,9 ,,! ,,s5ate ,,( ,,!       
,,unit$ ,,/ates  ,m>* #be1 #bjba,ms4    
,baldw9 introduc$ ! foll[+ bill2 :i* 0  
read twice & ref]r$ to ! ,committee on  
,heal?1 ,education1 ,labor1 & ,p5sions  
,a ,,bill  ,to am5d ! ,/op ,/ud5t ,debt 
,relief ,scams ,act ( #bjai to make     
te*nical corrections4  #a4 ,%ort title  
,?is ,act may be cit$ z ! ,/op ,/ud5t   
,debt ,relief ,scams ,te*nical          
,corrections ,act4  #b4 ,guidance on    
crim9al p5alties ,! ,/op ,/ud5t ,debt   
,relief ,scams ,act ( #bjai 7,public    
,law #aaf-bea7 is am5d$ 9 section #b7;b7
 by /rik+ ,! ,secret>y & ins]t+ ,n lat] 
?an ,july #a1 #bjba1 ! ,secret>y4  #c4  
,requirem5ts = ?ird-p>ty data sy/em     
access  7a7 ,am5dm5ts ,subsection 7e7 ( 
section #dhe;,b ( ! ,high] ,education   
,act ( #aife1 z add$ by section #d7c7 ( 
! ,/op ,/ud5t ,debt ,relief ,scams ,act 
( #bjai 7,public ,law #aaf-bea71 is     
am5d$-- 7#a7 9 p>agraph 7#a71 9 ! matt] 
prec$+ subp>agraph 7,a71 by ins]t+ 1 at 

! discretion ( ! ,secret>y1 aft] may2   
7#b7 9 p>agraph 7#b7-- 7,a7 9 ! matt]   
prec$+ subp>agraph 7,a71 by /rik+       
means-- & ins]t+ means ei!r ( ! foll[+32
  7,b7 9 subp>agraph 7,a7-- 7i7 by /rik+
 a gu>anty ag5cy ! fir/ place su* t]m   
appe>s & ins]t+ ,a gu>anty ag5cy2 &     
7ii7 by /rik+ 2 or & ins]t+ a p]iod2 &  
7,c7 by /rik+ subp>agraph 7,b7 & ins]t+ 
! foll[+3  7,b7 7i7 ,an attorney1       
gov]nm5t1 ag5cy1 or organization        
describ$ 9 any ( subclauses 7,i7 ?r\gh  
7,,iv7 ( clause 7ii71 :o or t-- 7,i7 is 
provid+ f9ancial or /ud5t loan repaym5t 
s]vices or c\nsel+ to a /ud5t1 borr[]1  
or p>5t2  7,,ii7 has n 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   
7,,iii7 accesses ! sy/em only ?r\gh a   
sep>ate po9t ( entry2 &  7,,iv7 has     
cons5t f ! relevant /ud5t1 borr[]1 or   
p>5t to access ! sy/em4  7ii7 7,i7 ,a   
lic5s$ attorney repres5t+ a /ud5t1      

borr[]1 or p>5t4  7,,ii7 ,a ,f$]al1     
,/ate1 local1 or ,tribal gov]nm5t or    
ag5cy4  7,,iii7 ,a nonpr(it             
organization4  7,,iv7 ,a =-pr(it        
organization-- 7aa7 au?oriz$ z a public 
b5efit corporation to provide a public  
b5efit ( objective & accurate f9ancial  
or /ud5t loan repaym5t s]vices or       
c\nsel+2  7bb7 t is approv$ by !        
,secret>y 9 accordance ) p>agraphs 7#c7 
& 7#d72 &  7cc7 t does n *>ge ! /ud5t1  
borr[]1 or p>5t a fee or any o!r monet>y
 *>ge = f9ancial or /ud5t loan repaym5t 
s]vices or c\nsel+ or any o!r s]vices at
 any po9t4  2 &  7#c7 by add+ at ! end !
 foll[+3  7#c7 ,discretion to approve   
applications ,approval ( applications f 
au?oriz$ p]sons or entities = ?ird-p>ty 
data access %all be at ! discretion ( ! 
,secret>y aft] consid]ation ( su*       
applications z ! ,secret>y may          
prescribe4 ,au?oriz$ access %all be =   
p]iods z ! ,secret>y may det]m9e & may  
be t]m9at$ at ! discretion ( !          
,secret>y4  7#d7 ,consid]ation = =-pr(it

 organization approval to access ! sy/em
 ,9 consid]+ applications = approval =  
?ird-p>ty data sy/em access 9 accordance
 ) ?is subsection by a =-pr(it          
organization describ$ 9 p>agraph        
7#b77;,b77ii77,,iv71 ! ,secret>y %all-- 
7,a7 consid] h[ ! no fee s]vice or      
c\nsel+ to ! /ud5t1 borr[]1 or p>5t is  
fund$ & det]m9e :e!r ! organization     
provides f9ancial or /ud5t loan repaym5t
 s]vices or c\nsel+ 9 ! be/ int]e/ (    
/ud5ts1 borr[]s1 or p>5ts1 9            
consultation ) ! ,private ,education    
,loan ,ombudsman ( ! ,consum] ,f9ancial 
,protection ,bureau 7designat$ pursuant 
to section #ajce ( ! ,consum] ,f9ancial 
,protection ,act ( #bjaj ,act 7#ab      
,u4,s4,c4 #eece772 &  7,b7 respond 9    
writ+1 :i* may include electronic       
communication1 to su* organization      
reg>d+ su* application n lat] ?an #ahj  
days aft] ! date ( submission ( !       
application4  4  7b7 ,effective date ,! 
am5dm5ts made 9 ?is section %all take   
effect z if includ$ 9 ! ,/op ,/ud5t     

,debt ,relief ,scams ,act ( #bjai       
7,public ,law #aaf-bea7 & 9 accordance )
 section #f ( su* ,act4