39–008 

113TH CONGRESS REPORT " ! HOUSE OF REPRESENTATIVES 2d Session 113–546 

PROVIDING FOR CONSIDERATION OF THE BILL (H.R. 3136) TO ESTABLISH 

A DEMONSTRATION PROGRAM FOR COMPETENCY-BASED EDUCATION, 

AND PROVIDING FOR CONSIDERATION OF THE BILL (H.R. 4984) TO 

AMEND THE LOAN COUNSELING REQUIREMENTS UNDER THE HIGHER 

EDUCATION ACT OF 1965, AND FOR OTHER PURPOSES 

JULY 22, 2014.—Referred to the House Calendar and ordered to be printed 

Ms. FOXX, from the Committee on Rules, 

submitted the following 

R E P O R T 

[To accompany H. Res. 677] 

The Committee on Rules, having had under consideration House 

Resolution 677, by a nonrecord vote, report the same to the House 

with the recommendation that the resolution be adopted. 

SUMMARY OF PROVISIONS OF THE RESOLUTION

The resolution provides for consideration of H.R. 3136, the Advancing Competency-Based Education Demonstration Project Act of 

2013, under a structured rule. The resolution provides one hour of 

general debate equally divided and controlled by the chair and 

ranking minority member of the Committee on Education and the 

Workforce. The resolution waives all points of order against consideration of the bill. The resolution makes in order as original text 

for the purpose of amendment an amendment in the nature of a 

substitute consisting of the text of Rules Committee Print 113–52 

and provides that it shall be considered as read. The resolution 

waives all points of order against that amendment in the nature 

of a substitute. The resolution makes in order only those further 

amendments printed in part A of this report. Each such amendment may be offered only in the order printed in this report, may 

be offered only by a Member designated in this report, shall be considered as read, shall be debatable for the time specified in this report equally divided and controlled by the proponent and an opponent, shall not be subject to amendment, and shall not be subject 

to a demand for division of the question in the House or in the 

Committee of the Whole. The resolution waives all points of order 

against the amendments printed in part A of this report. The resolution provides one motion to recommit with or without instructions. 


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Section 2 of the resolution provides for consideration of H.R. 

4984, the Empowering Students Through Enhanced Financial 

Counseling Act, under a structured rule. The resolution provides 

one hour of general debate equally divided and controlled by the 

chair and ranking minority member of the Committee on Education 

and the Workforce. The resolution waives all points of order 

against consideration of the bill. The resolution makes in order as 

original text for the purpose of amendment an amendment in the 

nature of a substitute consisting of the text of Rules Committee 

Print 113–53 and provides that it shall be considered as read. The 

resolution waives all points of order against that amendment in the 

nature of a substitute. The resolution makes in order only those 

further amendments printed in part B of this report. Each such 

amendment may be offered only in the order printed in this report, 

may be offered only by a Member designated in this report, shall 

be considered as read, shall be debatable for the time specified in 

this report equally divided and controlled by the proponent and an 

opponent, shall not be subject to amendment, and shall not be subject to a demand for division of the question in the House or in the 

Committee of the Whole. The resolution waives all points of order 

against the amendments printed in part B of this report. The resolution provides one motion to recommit with or without instructions. 

EXPLANATION OF WAIVERS

Although the resolution waives all points of order against consideration of H.R. 3136, the Committee is not aware of any points of 

order. The waiver is prophylactic in nature. 

The waiver of all points of order against the amendment in the 

nature of a substitute to H.R. 3136 made in order as original text, 

includes a waiver of clause 7 of rule XVI, which requires that no 

motion or proposition on a subject different from that under consideration shall be admitted under color of amendment. It is important to note that the amendment in the nature of a substitute contains the text of H.R. 3136 as reported by the Committee on Education and the Workforce. 

Although the resolution waives all points of order against the 

amendments to H.R. 3136 printed in part A of this report, the 

Committee is not aware of any points of order. The waiver is prophylactic in nature. 

Although the resolution waives all points of order against consideration of H.R. 4984, the Committee is not aware of any points of 

order. The waiver is prophylactic in nature. 

Although the resolution waives all points of order against the 

amendment in the nature of a substitute to H.R. 4984 made in 

order as original text, the Committee is not aware of any points of 

order. The waiver is prophylactic in nature. 

Although the resolution waives all points of order against the 

amendments to H.R. 4984 printed in part B of this report, the 

Committee is not aware of any points of order. The waiver is prophylactic in nature. 


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SUMMARY OF THE AMENDMENTS IN PART A MADE IN ORDER

1. Kline (MN), Miller, George (CA): Makes minor technical edits 

and includes an addition to the oversight section requiring the Secretary of Education to disseminate best practices. (10 minutes) 

2. Jackson Lee (TX): Directs the Secretary of Education prior to 

any deadlines to submit applications for consideration as an institution to participate in the pilot program to conduct outreach to 

historically Black colleges and universities, Hispanic-serving institutions, Native American-serving, non-tribal institutions, institutions serving students with special needs, and institutions located 

in rural areas to provide information on the opportunity to apply 

to carry out a demonstration project. (10 minutes) 

3. Walberg (MI): Allows participating eligible entities to apply to 

expand their approved projects beyond the 3,000 student maximum 

if the past two evaluations warrant such expansion. (10 minutes) 

4. McNerney (CA): Requires an applicant to provide information 

on its population of veteran and military students and how it will 

incorporate veteran and military student needs into its demonstration project. (10 minutes) 

5. Byrne (AL): Increases the maximum number of eligible entities 

from 20 to 30. (10 minutes) 

6. Langevin (RI), Thompson, Glenn (PA): Allows eligible entities 

to submit to the Director of the Institute of Education information 

regarding the number and percentage of students who are able to 

find employment in a field relating to their program or course of 

study, and would allow the Director of IES to provide technical assistance to such entities upon request. (10 minutes) 

7. Duffy (WI): Requires schools to notify students or parents of 

minor students when they enter into an agreement with a person 

or company that is allowed to sell personally identifiable information collected from the application provided to the student. (10 minutes) 

8. Gowdy (SC), Welch (VT): Permits participation of dual enrollment programs in demonstration projects. (10 minutes) 

9. Meng (NY): Requires the Secretary of Education to report to 

Congress, every 10 years, on the needs of limited English proficient 

students using the Free Application for Federal Student Aid. (10 

minutes) 

10. Gowdy (SC), Welch (VT): Creates a Regulatory Reform Task 

Force to make recommendations to reduce unnecessary higher education regulations. (10 minutes) 

11. Grayson (FL): Requires the Secretary of Education, in consultation with the Commissioner of Internal Revenue, to conduct a 

study on the feasibility and advantages and disadvantages of using 

individual income tax returns as the primary form of application 

for student aid. (10 minutes) 

SUMMARY OF THE AMENDMENTS IN PART B MADE IN ORDER

1. Kline (MN), Miller, George (CA): Clarifies the information provided to first-time borrowers; a clarification that borrowers must 

accept their loans annually after the completion of the other counseling requirements; a requirement for the Secretary of Education, 

acting through the Director of the Institute of Education Sciences, 

to conduct a longitudinal study of the impact and effectiveness of 


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the student loan counseling required under this act; and other 

minor technical edits. (10 minutes) 

2. Kilmer (WA), Hinojosa (TX), Bachus (AL), Petri (WI), Tsongas 

(MA): Ensures each individual is aware of financial management 

resources provided by the Treasury Department’s Financial Literacy and Education Commission. (10 minutes) 

3. Murphy, Patrick (FL): Requires the inclusion of recent average 

income and employment data for different levels of educational attainment. (10 minutes) 

4. Sanchez, Loretta (CA): Includes an explanation that if a student decides to transfer to another institution, not all of the student’s credits may be acceptable towards meeting specific degree or 

program requirements at such institution, therefore, eligibility for 

Federal Pell Grants will not reset due to the maximum number of 

semesters or equivalent. (10 minutes) 

5. Cohen (TN): Adds a requirement that students be told how 

federal and private student loans are treated in bankruptcy. (10 

minutes) 

6. Hahn (CA): Provides student loan borrowers with the national 

average cohort default rate in addition to the institution’s cohort 

default rate and the categorical national cohort default rate. (10 

minutes) 

7. Peters (MI): Requires that student borrowers receive an explanation of the impact of a delinquency or default on a loan to their 

credit score, including the borrower’s future ability to find employment or purchase a home or a car. (10 minutes) 

PART A—TEXT OF AMENDMENTS TO H.R. 3136 MADE IN ORDER

1. AN AMENDMENT TO BE OFFERED BY REPRESENTATIVE KLINE OF

MINNESOTA OR HIS DESIGNEE, DEBATABLE FOR 10 MINUTES

Page 2, line 6, insert ‘‘that has been selected to carry out a demonstration project under this section’’ after ‘‘eligible entity’’. 

Page 2, line 8, insert ‘‘approved’’ before ‘‘application’’. 

Page 8, line 15, strike ‘‘Institution’’ and insert ‘‘Institute’’. 

Page 13, line 12, strike ‘‘and’’ at the end. 

Page 13, line 16, strike the period at the end and insert ‘‘; and’’. 

Page 13, after line 16, insert the following: 

‘‘(5) collect and disseminate to eligible entities carrying out 

a demonstration project under this section, best practices with 

respect to demonstration projects under this section.’’. 

2. AN AMENDMENT TO BE OFFERED BY REPRESENTATIVE JACKSON

LEE OF TEXAS OR HER DESIGNEE, DEBATABLE FOR 10 MINUTES

Page 2, after line 5, insert the following: 

‘‘(2) OUTREACH.—The Secretary shall, prior to any deadline 

to submit applications under paragraph (1), conduct outreach 

to historically Black colleges and universities, Hispanic-serving 

institutions, Native American-serving, nontribal institutions, 

institutions serving students with special needs, and institutions located in rural areas to provide those institutions with 

information on the opportunity to apply to carry out a demonstration project under this section. 

Page 2, line 6, strike ‘‘(2)’’ and insert ‘‘(3)’’. 


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Page 2, line 12, strike ‘‘(3)’’ and insert ‘‘(4)’’. 

3. AN AMENDMENT TO BE OFFERED BY REPRESENTATIVE WALBERG

OF MICHIGAN OR HIS DESIGNEE, DEBATABLE FOR 10 MINUTES

Page 2, line 6, strike ‘‘An eligible’’ and insert the following: 

‘‘(A) IN GENERAL.—An eligible’’. 

Page 2, after line 11, insert the following: 

‘‘(B) EXPANDING ENROLLMENT.—Notwithstanding the assurance required with respect to maximum enrollment 

under paragraph (3)(H)— 

‘‘(i) an eligible entity whose demonstration project 

has been evaluated under subsection (f)(2) not less 

than twice may submit to the Secretary an amendment to the eligible entity’s application under paragraph (1) to increase enrollment in the project to more 

than 3,000 students, but not more than 5,000 students, and which shall specify— 

‘‘(I) the proposed maximum enrollment or annual enrollment growth for the project; 

‘‘(II) how the eligible entity will successfully 

carry out the project with such maximum enrollment or enrollment growth; and 

‘‘(III) any other amendments to the eligible entity’s application under paragraph (1) that are related to such maximum enrollment or enrollment 

growth; and 

‘‘(ii) the Secretary shall determine whether to approve or deny an amendment submitted under clause 

(i) for a demonstration project based on the project’s 

evaluations under subsection (f)(2).’’. 

4. AN AMENDMENT TO BE OFFERED BY REPRESENTATIVE MCNERNEY

OF CALIFORNIA OR HIS DESIGNEE, DEBATABLE FOR 10 MINUTES

Page 4, line 17, strike ‘‘and’’. 

Page 4, line 22, strike the period and insert ‘‘; and’’. 

Page 4, after line 22, insert the following 

‘‘(K) A description of the population of students served 

by the eligible entity that are veterans or members of the 

Armed Forces and how such eligible entity will, when appropriate, incorporate the specific needs of such population 

when carrying out the demonstration project. 

5. AN AMENDMENT TO BE OFFERED BY REPRESENTATIVE BYRNE OF

ALABAMA OR HIS DESIGNEE, DEBATABLE FOR 10 MINUTES

Page 5, line 1, strike ‘‘20’’ and insert ‘‘30’’. 

6. AN AMENDMENT TO BE OFFERED BY REPRESENTATIVE LANGEVIN

OF RHODE ISLAND OR HIS DESIGNEE, DEBATABLE FOR 10 MINUTES

Page 10, after line 9 insert the following: 

‘‘(B) EMPLOYMENT DATA.— 


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‘‘(i) IN GENERAL.—Each eligible entity that carries 

out a demonstration project under this section may 

provide to the Director of the Institute of Education 

Sciences with respect to the students participating in 

the competency-based education project carried out by 

the eligible entity the number and percentage of students completing a competency-based education program or course of study offered by such eligible entity 

who find employment in a field related to the program 

or course of study of such students. 

‘‘(ii) TECHNICAL ASSISTANCE.—The Director of the Institute of Education Sciences shall, at the request of 

an eligible entity, provide technical assistance to such 

eligible entity to assist such eligible entity in collecting 

and reporting accurate information relating to the employment of students participating in a competencybased education project carried out by such eligible entity. 

Page 10, line 10, strike ‘‘(B)’’ and insert ‘‘(C)’’. 

7. AN AMENDMENT TO BE OFFERED BY REPRESENTATIVE DUFFY OF

WISCONSIN OR HIS DESIGNEE, DEBATABLE FOR 10 MINUTES

Page 13, line 17, strike ‘‘(h)’’ and insert ‘‘(i)’’. 

Page 13, after line 16, insert the following: 

‘‘(h) DISCLOSURE OF AUTHORIZATION TO SELL STUDENT DATA.— 

An eligible entity carrying out a demonstration project under this 

section shall ensure that each institution of higher education of the 

eligible entity provides to each student, or the parents of each 

minor student, enrolled in the institution of higher education— 

‘‘(1) a disclosure letter, which describes the personally identifiable information of the student that may be sold by a person 

with whom the institution of higher education has an agreement to provide software applications for students; and 

‘‘(2) an option to opt-out of such personally identifiable information from being sold.’’. 

8. AN AMENDMENT TO BE OFFERED BY REPRESENTATIVE GOWDY OF

SOUTH CAROLINA OR HIS DESIGNEE, DEBATABLE FOR 10 MINUTES

Page 14, line 1, insert before the semicolon at the end the following: ‘‘including an institution of higher education that offers a 

dual-enrollment program under which a secondary school student 

is able simultaneously to earn credit toward a secondary school diploma and a postsecondary degree, certificate, or credential’’. 

9. AN AMENDMENT TO BE OFFERED BY REPRESENTATIVE MENG OF

NEW YORK OR HER DESIGNEE, DEBATABLE FOR 10 MINUTES

Page 14, beginning line 16, redesignate subsection (c) as subsection (d). 

Page 14, after line 15, insert the following: 


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(c) REPORT.—The Secretary of Education shall report to Congress, every 10 years, on the needs of limited English proficient 

students using the Free Application for Federal Student Aid. 

10. AN AMENDMENT TO BE OFFERED BY REPRESENTATIVE GOWDY

OF SOUTH CAROLINA OR HIS DESIGNEE, DEBATABLE FOR 10 MIN- UTES

Add at the end the following new section: 

SECTION 3. HIGHER EDUCATION REGULATORY REFORM TASK FORCE. 

(a) TASK FORCE ESTABLISHED.—Not later than 2 months after 

the date of enactment of this Act, the Secretary of Education shall 

establish the Higher Education Regulatory Reform Task Force. 

(b) MEMBERSHIP.—The Higher Education Regulatory Reform 

Task Force shall include— 

(1) the Secretary of Education or the Secretary’s designee; 

(2) a representative of the Advisory Committee on Student 

Financial Assistance established under section 491 of the Higher Education Act of 1965 (20 U.S.C. 1098); and 

(3) representatives from the higher education community, including— 

(A) institutions of higher education, with equal representation of public and private nonprofit institutions, and twoyear and four-year institutions, and with not less than 25 

percent of such representative institutions carrying out 

distance education programs; and 

(B) nonprofit organizations representing institutions of 

higher education. 

(c) ACTIVITIES.— 

(1) REPORT REQUIRED.—Not later than 6 months after the 

date of enactment of this Act, the Secretary of Education shall 

submit to Congress and make available on a publicly available 

website a report (in this section referred to as the ‘‘Higher 

Education Regulatory Reform Report’’) prepared by the Higher 

Education Regulatory Reform Task Force on Department of 

Education regulatory requirements for institutions of higher 

education described in paragraph (2). 

(2) CONTENTS OF REPORT.—The Higher Education Regulatory 

Reform Report shall contain the following with respect to Department of Education regulatory requirements for institutions 

of higher education: 

(A) A list of rules that are determined to be outmoded, 

duplicative, ineffective, or excessively burdensome. 

(B) For each rule listed in accordance with subparagraph 

(A) and that is in effect at the time of the review under 

subparagraph (A), an analysis of whether the costs outweigh the benefits for such rule. 

(C) Recommendations to consolidate, modify, simplify, or 

repeal such rules to make such rules more effective or less 

burdensome. 

(D) A description of the justification for and impact of 

the recommendations described in subparagraph (C), as 

appropriate and available, including supporting data for 

such justifications and the financial impact of such recVerDate Mar 15 2010 03:07 Jul 23, 2014 Jkt 039008 PO 00000 Frm 00007 Fmt 6659 Sfmt 6602 E:\HR\OC\HR546.XXX HR546

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ommendations on institutions of higher education of varying sizes and types. 

(E) Recommendations on the establishment of a permanent entity to review new Department of Education regulatory requirements affecting institutions of higher education. 

(3) NOTICE AND COMMENT.—At least 30 days before submission of the Higher Education Regulatory Reform Report required under paragraph (1), the Secretary of Education shall 

publish the report in the Federal Register for public notice and 

comment. The Higher Education Regulatory Reform Task 

Force may modify the report in response to any comments received before submission of the report to Congress. 

(d) DEFINITION OF INSTITUTION OF HIGHER EDUCATION.—For the 

purposes of this section, the term ‘‘institution of higher education’’ 

has the meaning given such term in section 102 of the Higher Education Act of 1965 (20 U.S.C. 1002), except that such term does not 

include institutions described in subsection (a)(1)(C) of such section 

102. 

11. AN AMENDMENT TO BE OFFERED BY REPRESENTATIVE GRAYSON

OF FLORIDA OR HIS DESIGNEE, DEBATABLE FOR 10 MINUTES

At the end of the bill, add the following new section: 

SEC. ll. STUDY ON USE OF INDIVIDUAL INCOME TAX RETURNS AS 

PRIMARY APPLICATION FOR FEDERAL STUDENT AID. 

Section 483 of the Higher Education Act of 1965 (20 U.S.C. 1090) 

is amended by adding at the end the following new subsection: 

‘‘(i) STUDY ON USE OF INDIVIDUAL INCOME TAX RETURNS AS PRI- MARY APPLICATION FOR FEDERAL STUDENT AID.— ‘‘(4) STUDY.—The Secretary of Education, in consultation 

with the Commissioner of Internal Revenue, shall conduct a 

study on the feasibility and advantages and disadvantages of 

using individual income tax returns as the primary form of application for student aid under the Higher Education Act of 

1965 (20 U.S.C. 1001 et seq.). 

‘‘(5) REPORT.—Not later than one year after the date of the 

enactment of this subsection, the Secretary, in consultation 

with the Commissioner, shall submit to Congress a report containing the results of the study conducted under subsection 

(a).’’. 

PART B—TEXT OF AMENDMENTS TO H.R. 4984 MADE IN ORDER

1. AN AMENDMENT TO BE OFFERED BY REPRESENTATIVE KLINE OF

MINNESOTA OR HIS DESIGNEE, DEBATABLE FOR 10 MINUTES

Page 2, line 7, strike ‘‘borrower’’ and insert ‘‘individual’’. 

Beginning page 7, line 12, amend subparagraph (L) to read as 

follows: 

‘‘(L) For a first-time borrower— 

‘‘(i) a statement of the anticipated balance on the 

loan for which the borrower is receiving counseling 

under this subsection; 

‘‘(ii) based on such anticipated balance, the anticipated monthly payment amount under, at minimum— 


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‘‘(I) the standard repayment plan; and 

‘‘(II) an income-based repayment plan under 

section 493C, as determined using regionally 

available data from the Bureau of Labor Statistics 

of the average starting salary for the occupation 

in which the borrower has an interest in or intends to be employed; and 

‘‘(iii) an estimate of the projected monthly payment 

amount under each repayment plan described in 

clause (ii), based on the average cumulative indebtedness at graduation for borrowers of loans made under 

part D who are in the same program of study as the 

borrower.’’. 

Page 11, beginning line 7, amend subparagraph (C) to read as 

follows: 

‘‘(C) For a first-time borrower of such loan— 

‘‘(i) a statement of the anticipated balance on the 

loan for which the borrower is receiving counseling 

under this subsection; 

‘‘(ii) based on such anticipated balance, the anticipated monthly payment amount under the standard 

repayment plan; and 

‘‘(iii) an estimate of the projected monthly payment 

amount under the standard repayment plan, based on 

the average cumulative indebtedness of other borrowers of Federal Direct PLUS Loans made on behalf 

of dependent students who are in the same program of 

study as the student on whose behalf the borrower 

borrowed the loan.’’. 

Page 13, line 17, insert ‘‘after receiving the applicable counseling 

under paragraphs (2), (4), and (5) for the loan’’ after ‘‘ensure that’’. 

Page 19, beginning line 1, redesignate section 5 as section 6. 

Page 18, after line 24, insert the following: 

SEC. 5. LONGITUDINAL STUDY ON THE EFFECTIVENESS OF STUDENT 

LOAN COUNSELING. 

(a) IN GENERAL.—Not later than 1 year after the date of enactment of this Act, the Secretary of Education, acting through the Director of the Institute of Education Sciences, shall begin conducting 

a rigorous, longitudinal study of the impact and effectiveness of the 

student loan counseling— 

(1) provided under subsections (b), (l), and (n) of section 485 

of the Higher Education Act of 1965 (20 U.S.C. 1092), as 

amended by this Act; and 

(2) provided through such other means as the Secretary of 

Education may determine. 

(b) CONTENTS.— 

(1) BORROWER INFORMATION.—The longitudinal study carried 

out under subsection (a) shall include borrower information, in 

the aggregate and disaggregated by race, ethnicity, gender, income, and status as an individual with a disability, on— 

(A) student persistence; 

(B) degree attainment; 

(C) program completion; 

(D) successful entry into student loan repayment; 

(E) cumulative borrowing levels; and 


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(F) such other factors as the Secretary of Education may 

determine. 

(2) EXCEPTION.—The disaggregation under paragraph (1) 

shall not be required in a case in which the number of borrowers in a category is insufficient to yield statistically reliable 

information or the results would reveal personally identifiable 

information about an individual borrower. 

(c) INTERIM REPORTS.—Not later than 18 months after the commencement of the study under subsection (a), and annually thereafter, the Secretary of Education shall evaluate the progress of the 

study and report any short-term findings to the appropriate committees of Congress. 

2. AN AMENDMENT TO BE OFFERED BY REPRESENTATIVE KILMER OF

WASHINGTON OR HIS DESIGNEE, DEBATABLE FOR 10 MINUTES

Page 3, after line 11, insert the following: 

‘‘(C) An introduction to the financial management resources provided by the Financial Literacy and Education 

Commission. 

3. AN AMENDMENT TO BE OFFERED BY REPRESENTATIVE MURPHY

OF FLORIDA OR HIS DESIGNEE, DEBATABLE FOR 10 MINUTES

Page 3, after line 11, insert the following: 

‘‘(C) Based on the most recent data available from the 

American Community Survey available from the Department of Commerce, the estimated average income and percentage of employment in the State of domicile of the borrower for persons with— 

‘‘(i) a high school diploma or equivalent; 

‘‘(ii) some post-secondary education without completion of a degree or certificate; and 

‘‘(iii) a bachelor’s degree. 

4. AN AMENDMENT TO BE OFFERED BY REPRESENTATIVE SANCHEZ

OF CALIFORNIA OR HER DESIGNEE, DEBATABLE FOR 10 MINUTES

Page 4, line 4, strike ‘‘(E)’’ and insert ‘‘(F)’’. 

Page 4, after line 3, insert the following: 

‘‘(E) An explanation that if the student transfers to another institution not all of the student’s courses may be acceptable in transfer toward meeting specific degree or program requirements at such institution, but the amount of 

time remaining for which a student may be eligible to receive a Federal Pell Grant, as provided under subparagraph (D), will not change.’’. 

5. AN AMENDMENT TO BE OFFERED BY REPRESENTATIVE COHEN OF

TENNESSEE OR HIS DESIGNEE, DEBATABLE FOR 10 MINUTES

Page 5, line 10, insert at the end the following: ‘‘an explanation 

of treatment of loans made under part D and private education 

loans in bankruptcy,’’. 


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6. AN AMENDMENT TO BE OFFERED BY REPRESENTATIVE HAHN OF

CALIFORNIA OR HER DESIGNEE, DEBATABLE FOR 10 MINUTES

Page 10, line 5, strike ‘‘and the’’ and insert ‘‘the most recent national average cohort default rate, and the’’. 

7. AN AMENDMENT TO BE OFFERED BY REPRESENTATIVE PETERS OF

MICHIGAN OR HIS DESIGNEE, DEBATABLE FOR 10 MINUTES

Page 15, after line 16, insert the following new subparagraph, 

and redesignate the succeeding subparagraphs accordingly: 

(E) in clause (ix), as so redesignated— 

(i) by inserting ‘‘decreased credit score,’’ after ‘‘credit 

reports,’’; and 

(ii) by inserting ‘‘reduced ability to rent or purchase 

a home or car, potential difficulty in securing employment,’’ after ‘‘Federal law,’’; 

Æ 


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