I 

116TH CONGRESS 

1ST SESSION H. R. 2129 

To amend the loan counseling requirements under the Higher Education 

Act of 1965, and for other purposes. 

IN THE HOUSE OF REPRESENTATIVES 

APRIL 8, 2019 

Mr. GUTHRIE (for himself and Ms. BONAMICI) introduced the following bill; 

which was referred to the Committee on Education and Labor 

A BILL 

To amend the loan counseling requirements under the Higher 

Education Act of 1965, and for other purposes. 

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled, 

3 SECTION 1. SHORT TITLE. 

4 This Act may be cited as the ‘‘Empowering Students 

5 Through Enhanced Financial Counseling Act’’. 

6 SEC. 2. ANNUAL COUNSELING. 

7 Section 485(l) of the Higher Education Act of 1965 

8 (20 U.S.C. 1092(l)) is amended to read as follows: 

9 ‘‘(l) ANNUAL FINANCIAL AID COUNSELING.— 

10 ‘‘(1) ANNUAL DISCLOSURE REQUIRED.— 


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1 ‘‘(A) IN GENERAL.—Each eligible institu2 tion shall ensure that each individual who re3 ceives a Federal Pell Grant or a loan made 

4 under part D (other than a Federal Direct Con5 solidation Loan) receives comprehensive infor6 mation on the terms and conditions of such 

7 Federal Pell Grant or loan and the responsibil8 ities the individual has with respect to such 

9 Federal Pell Grant or loan. Such information 

10 shall be provided, for each award year for which 

11 the individual receives such Federal Pell Grant 

12 or loan, in a simple and understandable man13 ner— 

14 ‘‘(i) during a counseling session con15 ducted in-person; 

16 ‘‘(ii) online, with the individual ac17 knowledging receipt of the information; or 

18 ‘‘(iii) through the use of the online 

19 counseling tool described in subsection 

20 (n)(1)(B). 

21 ‘‘(B) USE OF INTERACTIVE PROGRAMS.— 

22 In the case of institutions not using the online 

23 counseling tool described in subsection 

24 (n)(1)(B), the Secretary shall require such in25 stitutions to carry out the requirements of subVerDate Sep 11 2014 02:44 Apr 17, 2019 Jkt 089200 PO 00000 Frm 00002 Fmt 6652 Sfmt 6201 E:\BILLS\H2129.IH H2129

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1 paragraph (A) through the use of interactive 

2 programs, during an annual counseling session 

3 that is in-person or online, that test the individ4 ual’s understanding of the terms and conditions 

5 of the Federal Pell Grant or loan awarded to 

6 the individual, using simple and understandable 

7 language and clear formatting. 

8 ‘‘(2) ALL INDIVIDUALS.—The information to be 

9 provided under paragraph (1)(A) to each individual 

10 receiving counseling under this subsection shall in11 clude the following: 

12 ‘‘(A) An explanation of how the individual 

13 may budget for typical educational expenses 

14 and a sample budget based on the cost of at15 tendance for the institution. 

16 ‘‘(B) An explanation that an individual has 

17 a right to annually request a disclosure of infor18 mation collected by a consumer reporting agen19 cy pursuant to section 612(a) of the Fair Credit 

20 Reporting Act (15 U.S.C. 1681j(a)). 

21 ‘‘(C) Based on the most recent data avail22 able from the American Community Survey 

23 available from the Department of Commerce, 

24 the estimated average income and percentage of 


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1 employment in the State of domicile of the indi2 vidual for individuals with— 

3 ‘‘(i) a high school diploma or equiva4 lent; 

5 ‘‘(ii) some post-secondary education 

6 without completion of a degree or certifi7 cate; and 

8 ‘‘(iii) a bachelor’s degree. 

9 ‘‘(D) An introduction to the financial man10 agement resources provided by the Financial 

11 Literacy and Education Commission. 

12 ‘‘(E) An explanation of how the student 

13 may seek additional financial assistance from 

14 the institution’s financial aid office due to a 

15 change in the student’s financial circumstances, 

16 and the contact information for such office. 

17 ‘‘(3) STUDENTS RECEIVING FEDERAL PELL

18 GRANTS.—The information to be provided under 

19 paragraph (1)(A) to each student receiving a Fed20 eral Pell Grant shall include the following: 

21 ‘‘(A) An explanation of the terms and con22 ditions of the Federal Pell Grant. 

23 ‘‘(B) An explanation of approved edu24 cational expenses for which the student may use 

25 the Federal Pell Grant. 


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1 ‘‘(C) An explanation of why the student 

2 may have to repay the Federal Pell Grant. 

3 ‘‘(D) An explanation of the maximum 

4 number of semesters or equivalent for which the 

5 student may be eligible to receive a Federal Pell 

6 Grant, and a statement of the amount of time 

7 remaining for which the student may be eligible 

8 to receive a Federal Pell Grant. 

9 ‘‘(E) An explanation that, in the case of a 

10 student who transfers to another institution, 

11 the amount of time remaining for which a stu12 dent may be eligible to receive a Federal Pell 

13 Grant, as provided under subparagraph (D), 

14 will not change, regardless of whether all of the 

15 courses completed by such student are accepted 

16 for purposes of meeting specific degree or pro17 gram requirements by the institution to which 

18 such student transfers. 

19 ‘‘(4) BORROWERS RECEIVING LOANS MADE

20 UNDER PART D (OTHER THAN PARENT PLUS

21 LOANS).—The information to be provided under 

22 paragraph (1)(A) to a borrower of a loan made 

23 under part D (other than a Federal Direct PLUS 

24 Loan made on behalf of a dependent student) shall 

25 include the following: 


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1 ‘‘(A) To the extent practicable, the effect 

2 of accepting the loan to be disbursed on the eli3 gibility of the borrower for other forms of stu4 dent financial assistance. 

5 ‘‘(B) An explanation of the use of the mas6 ter promissory note. 

7 ‘‘(C) An explanation that the borrower is 

8 not required to accept the full amount of the 

9 loan offered to the borrower. 

10 ‘‘(D) An explanation that the borrower 

11 should consider accepting any grant, scholar12 ship, or State or Federal work-study jobs for 

13 which the borrower is eligible prior to accepting 

14 Federal student loans. 

15 ‘‘(E) A recommendation to the borrower to 

16 exhaust the borrower’s Federal student loan op17 tions prior to taking out private education 

18 loans, an explanation that Federal student 

19 loans typically offer better terms and conditions 

20 than private education loans, an explanation of 

21 treatment of loans made under part D and pri22 vate education loans in bankruptcy, and an ex23 planation that if a borrower decides to take out 

24 a private education loan— 


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1 ‘‘(i) the borrower has the ability to se2 lect a private educational lender of the bor3 rower’s choice; 

4 ‘‘(ii) the proposed private education 

5 loan may impact the borrower’s potential 

6 eligibility for other financial assistance, in7 cluding Federal financial assistance under 

8 this title; and 

9 ‘‘(iii) the borrower has a right— 

10 ‘‘(I) to accept the terms of the 

11 private education loan within 30 cal12 endar days following the date on 

13 which the application for such loan is 

14 approved and the borrower receives 

15 the required disclosure documents, 

16 pursuant to section 128(e) of the 

17 Truth in Lending Act (15 U.S.C. 

18 1638(e)); and 

19 ‘‘(II) to cancel such loan within 3 

20 business days of the date on which the 

21 loan is consummated, pursuant to sec22 tion 128(e)(7) of such Act (15 U.S.C. 

23 1638(e)(7)). 


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1 ‘‘(F) An explanation of the approved edu2 cational expenses for which the borrower may 

3 use a loan made under part D. 

4 ‘‘(G) Information on the annual and aggre5 gate loan limits for Federal Direct Stafford 

6 Loans and Federal Direct Unsubsidized Staf7 ford Loans. 

8 ‘‘(H) An explanation that, in the case of a 

9 student who transfers to another institution, 

10 the loan amounts such student received before 

11 such transfer shall be used in determining the 

12 aggregate loan amount of the student, regard13 less of whether all of the courses completed by 

14 such student are accepted for purposes of meet15 ing specific degree or program requirements by 

16 the institution to which such student transfers. 

17 ‘‘(I) Information on how interest accrues 

18 and is capitalized during periods when the in19 terest is not paid by either the borrower or the 

20 Secretary. 

21 ‘‘(J) In the case of a Federal Direct PLUS 

22 Loan or a Federal Direct Unsubsidized Staf23 ford Loan, the option of the borrower to pay 

24 the interest while the borrower is in school. 


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1 ‘‘(K) The definition of half-time enrollment 

2 at the institution, during regular terms and 

3 summer school, if applicable, and the con4 sequences of not maintaining at least half-time 

5 enrollment. 

6 ‘‘(L) An explanation of the importance of 

7 contacting the appropriate offices at the institu8 tion of higher education if the borrower with9 draws prior to completing the borrower’s pro10 gram of study so that the institution can pro11 vide exit counseling, including information re12 garding the borrower’s repayment options and 

13 loan consolidation. 

14 ‘‘(M) For a first-time borrower— 

15 ‘‘(i) a statement of the anticipated 

16 balance on the loan for which the borrower 

17 is receiving counseling under this sub18 section; 

19 ‘‘(ii) based on such anticipated bal20 ance, the anticipated monthly payment 

21 amount under, at minimum— 

22 ‘‘(I) the standard repayment 

23 plan; and 

24 ‘‘(II) the income-driven repay25 ment plans the borrower is eligible 


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1 for, as determined using regionally 

2 available data from the Bureau of 

3 Labor Statistics of the average start4 ing salary for the occupation in which 

5 the borrower has an interest in or in6 tends to be employed; and 

7 ‘‘(iii) an estimate of the projected 

8 monthly payment amount under each re9 payment plan described in clause (ii), 

10 based on the average cumulative indebted11 ness at graduation for borrowers of loans 

12 made under part D who are in the same 

13 program of study as the borrower. 

14 ‘‘(N) For a borrower with an outstanding 

15 balance of principal or interest due on a loan 

16 made under this title— 

17 ‘‘(i) a current statement of the 

18 amount of such outstanding balance and 

19 interest accrued; 

20 ‘‘(ii) based on such outstanding bal21 ance, the anticipated monthly payment 

22 amount under, at minimum, the standard 

23 repayment plan and, using regionally avail24 able data from the Bureau of Labor Sta25 tistics of the average starting salary for 


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1 the occupation the borrower intends to be 

2 employed, the income-driven repayment 

3 plans the borrower is eligible for; and 

4 ‘‘(iii) an estimate of the projected 

5 monthly payment amount under each re6 payment plan described in clause (ii), 

7 based on— 

8 ‘‘(I) the outstanding balance de9 scribed in clause (i); 

10 ‘‘(II) the anticipated outstanding 

11 balance on the loan for which the stu12 dent is receiving counseling under this 

13 subsection; and 

14 ‘‘(III) a projection for any other 

15 loans made under part D that the 

16 borrower is reasonably expected to ac17 cept during the borrower’s program of 

18 study based on at least the expected 

19 increase in the cost of attendance of 

20 such program. 

21 ‘‘(O) The obligation of the borrower to 

22 repay the full amount of the loan, regardless of 

23 whether the borrower completes or does not 

24 complete the program in which the borrower is 


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1 enrolled within the regular time for program 

2 completion. 

3 ‘‘(P) The likely consequences of default on 

4 the loan, including adverse credit reports, delin5 quent debt collection procedures under Federal 

6 law, and litigation, and a notice of the institu7 tion’s most recent cohort default rate (defined 

8 in section 435(m)), an explanation of the cohort 

9 default rate, the most recent national average 

10 cohort default rate, and the most recent na11 tional average cohort default rate for the cat12 egory of institution described in section 

13 435(m)(4) to which the institution belongs. 

14 ‘‘(Q) Information on the National Student 

15 Loan Data System and how the borrower can 

16 access the borrower’s records. 

17 ‘‘(R) The contact information for the insti18 tution’s financial aid office or other appropriate 

19 office at the institution the borrower may con20 tact if the borrower has any questions about the 

21 borrower’s rights and responsibilities or the 

22 terms and conditions of the loan. 

23 ‘‘(5) BORROWERS RECEIVING PARENT PLUS

24 LOANS FOR DEPENDENT STUDENTS.—The informa25 tion to be provided under paragraph (1)(A) to a borVerDate Sep 11 2014 02:44 Apr 17, 2019 Jkt 089200 PO 00000 Frm 00012 Fmt 6652 Sfmt 6201 E:\BILLS\H2129.IH H2129

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1 rower of a Federal Direct PLUS Loan made on be2 half of a dependent student shall include the fol3 lowing: 

4 ‘‘(A) The information described in sub5 paragraphs (A) through (C) and (O) through 

6 (R) of paragraph (4). 

7 ‘‘(B) A notification that some students 

8 may qualify for other financial aid and an ex9 planation that the student for whom the bor10 rower is taking out the loan should consider ac11 cepting any grant, scholarship, or State or Fed12 eral work-study jobs for which such student is 

13 eligible prior to borrowing Parent PLUS Loans. 

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

15 loan— 

16 ‘‘(i) a statement of the anticipated 

17 balance on the loan for which the borrower 

18 is receiving counseling under this sub19 section; 

20 ‘‘(ii) based on such anticipated bal21 ance, the anticipated monthly payment 

22 amount under the standard repayment 

23 plan; and 

24 ‘‘(iii) an estimate of the projected 

25 monthly payment amount under the standVerDate Sep 11 2014 02:44 Apr 17, 2019 Jkt 089200 PO 00000 Frm 00013 Fmt 6652 Sfmt 6201 E:\BILLS\H2129.IH H2129

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1 ard repayment plan, based on the average 

2 cumulative indebtedness of other borrowers 

3 of Federal Direct PLUS Loans made on 

4 behalf of dependent students who are in 

5 the same program of study as the student 

6 on whose behalf the borrower borrowed the 

7 loan. 

8 ‘‘(D) For a borrower with an outstanding 

9 balance of principal or interest due on such 

10 loan— 

11 ‘‘(i) a statement of the amount of 

12 such outstanding balance; 

13 ‘‘(ii) based on such outstanding bal14 ance, the anticipated monthly payment 

15 amount under the standard repayment 

16 plan; and 

17 ‘‘(iii) an estimate of the projected 

18 monthly payment amount under the stand19 ard repayment plan, based on— 

20 ‘‘(I) the outstanding balance de21 scribed in clause (i); 

22 ‘‘(II) the anticipated outstanding 

23 balance on the loan for which the bor24 rower is receiving counseling under 

25 this subsection; and 


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1 ‘‘(III) a projection for any other 

2 Federal Direct PLUS Loan made on 

3 behalf of the dependent student that 

4 the borrower is reasonably expected to 

5 accept during the program of study of 

6 such student based on at least the ex7 pected increase in the cost of attend8 ance of such program. 

9 ‘‘(E) Debt management strategies that are 

10 designed to facilitate the repayment of such in11 debtedness. 

12 ‘‘(F) An explanation that the borrower has 

13 the options to prepay each loan, pay each loan 

14 on a shorter schedule, pay each loan while the 

15 dependent child is still in school, pay the inter16 est on the loan while the loan is in deferment, 

17 and change repayment plans. 

18 ‘‘(G) For each Federal Direct PLUS Loan 

19 made on behalf of a dependent student for 

20 which the borrower is receiving counseling 

21 under this subsection, the contact information 

22 for the loan servicer of the loan and a link to 

23 such servicer’s Website. 

24 ‘‘(6) ANNUAL LOAN ACCEPTANCE.—Prior to 

25 making the first disbursement of a loan made under 


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1 part D (other than a Federal Direct Consolidation 

2 Loan) to a borrower for an award year, an eligible 

3 institution, shall, as part of carrying out the coun4 seling requirements of this subsection for the loan, 

5 ensure that after receiving the applicable counseling 

6 under paragraphs (2), (4), and (5) for the loan the 

7 borrower accepts the loan for such award year and 

8 for such amount as is specified by the borrower by— 

9 ‘‘(A) signing the master promissory note 

10 for the loan; 

11 ‘‘(B) signing and returning to the institu12 tion a separate written statement that affirma13 tively states that the borrower accepts the loan; 

14 or 

15 ‘‘(C) electronically signing an electronic 

16 version of the statement described in subpara17 graph (B). 

18 ‘‘(7) CONSTRUCTION.—Nothing in this section 

19 shall be construed to prohibit an eligible institution 

20 from providing additional information and coun21 seling services to recipients of Federal student aid 

22 under this title, provided that any additional infor23 mation and counseling services for recipients of Fed24 eral student aid shall not preclude or be considered 

25 a condition for disbursement of such aid. 


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1 ‘‘(8) COUNSELING SESSIONS CONDUCTED IN2 PERSON.—Institutions of higher education may en3 courage individuals to attend in-person loan coun4 seling sessions under paragraph (1)(A).’’. 

5 SEC. 3. EXIT COUNSELING. 

6 Section 485(b) of the Higher Education Act of 1965 

7 (20 U.S.C. 1092(b)) is amended— 

8 (1) in paragraph (1)(A)— 

9 (A) in the matter preceding clause (i), by 

10 striking ‘‘through financial aid offices or other11 wise’’ and inserting ‘‘through the use of an 

12 interactive program, during an exit counseling 

13 session that is in-person or online, or through 

14 the use of the online counseling tool described 

15 in subsection (n)(1)(A)’’; 

16 (B) by redesignating clauses (i) through 

17 (ix) as clauses (v) through (xiii), respectively; 

18 (C) by inserting before clause (v), as so re19 designated, the following: 

20 ‘‘(i) a summary of the outstanding balance of 

21 principal and interest due on the loans made to the 

22 borrower under part B, D, or E; 

23 ‘‘(ii) an explanation of the grace period pre24 ceding repayment and the expected date that the 

25 borrower will enter repayment; 


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1 ‘‘(iii) an explanation that the borrower has the 

2 option to pay any interest that has accrued while the 

3 borrower was in school or that may accrue during 

4 the grace period preceding repayment or during an 

5 authorized period of deferment or forbearance, prior 

6 to the capitalization of the interest; and 

7 ‘‘(iv) an explanation that the borrower may be 

8 approached during the repayment process by third9 party student debt relief companies, that they should 

10 use caution in any such dealings, and that the typ11 ical services provided by these companies are already 

12 offered to borrowers free of charge through 

13 servicers;’’; 

14 (D) in clause (v), as so redesignated— 

15 (i) by striking ‘‘sample information 

16 showing the average’’ and inserting ‘‘infor17 mation, based on the borrower’s out18 standing balance described in clause (i), 

19 showing the borrower’s’’; and 

20 (ii) by striking ‘‘of each plan’’ and in21 serting ‘‘of at least the standard repay22 ment plan and the income-driven repay23 ment plans the borrower is eligible for’’; 

24 (E) in clause (x), as so redesignated— 


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1 (i) by inserting ‘‘decreased credit 

2 score,’’ after ‘‘credit reports,’’; and 

3 (ii) by inserting ‘‘reduced ability to 

4 rent or purchase a home or car, potential 

5 difficulty in securing employment,’’ after 

6 ‘‘Federal law,’’; 

7 (F) in clause (xi), as so redesignated, by 

8 striking ‘‘consolidation loan under section 428C 

9 or a’’; 

10 (G) in clauses (xii) and (xiii), as so redes11 ignated, by striking ‘‘and’’ at the end; and 

12 (H) by adding at the end the following: 

13 ‘‘(xiv) for each of the borrower’s loans made 

14 under part B, D, or E for which the borrower is re15 ceiving counseling under this subsection, the contact 

16 information for the loan servicer of the loan and a 

17 link to such servicer’s Website; and 

18 ‘‘(xv) an explanation that an individual has a 

19 right to annually request a disclosure of information 

20 collected by a consumer reporting agency pursuant 

21 to section 612(a) of the Fair Credit Reporting Act 

22 (15 U.S.C. 1681j(a)).’’; 

23 (2) in paragraph (1)(B)— 

24 (A) by inserting ‘‘online or’’ before ‘‘in 

25 writing’’; and 


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1 (B) by adding before the period at the end 

2 the following: ‘‘, except that in the case of an 

3 institution using the online counseling tool de4 scribed in subsection (n)(1)(A), the Secretary 

5 shall attempt to provide such information to the 

6 student in the manner described in subsection 

7 (n)(3)(C)’’; and 

8 (3) in paragraph (2)(C), by inserting ‘‘, such as 

9 the online counseling tool described in subsection 

10 (n)(1)(A),’’ after ‘‘electronic means’’. 

11 SEC. 4. ONLINE COUNSELING TOOLS. 

12 Section 485 of the Higher Education Act of 1965 (20 

13 U.S.C. 1092) is further amended by adding at the end 

14 the following: 

15 ‘‘(n) ONLINE COUNSELING TOOLS.— 

16 ‘‘(1) IN GENERAL.—Beginning not later than 1 

17 year after the date of enactment of the Empowering 

18 Students Through Enhanced Financial Counseling 

19 Act, the Secretary shall maintain— 

20 ‘‘(A) an online counseling tool that pro21 vides the exit counseling required under sub22 section (b) and meets the applicable require23 ments of this subsection; and 

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1 section (l) and meets the applicable require2 ments of this subsection. 

3 ‘‘(2) REQUIREMENTS OF TOOLS.—In maintain4 ing the online counseling tools described in para5 graph (1), the Secretary shall ensure that each such 

6 tool is— 

7 ‘‘(A) consumer tested, in consultation with 

8 other relevant Federal agencies, to ensure that 

9 the tool is effective in helping individuals under10 stand their rights and obligations with respect 

11 to borrowing a loan made under part D or re12 ceiving a Federal Pell Grant; 

13 ‘‘(B) understandable to students receiving 

14 Federal Pell Grants and borrowers of loans 

15 made under part D; and 

16 ‘‘(C) freely available to all eligible institu17 tions. 

18 ‘‘(3) RECORD OF COUNSELING COMPLETION.— 

19 The Secretary shall— 

20 ‘‘(A) use each online counseling tool de21 scribed in paragraph (1) to keep a record of 

22 which individuals have received counseling using 

23 the tool, and notify the applicable institutions 

24 of the individual’s completion of such coun25 seling; 


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1 ‘‘(B) in the case of a borrower who re2 ceives annual counseling for a loan made under 

3 part D using the tool described in paragraph 

4 (1)(B), notify the borrower by when the bor5 rower should accept, in a manner described in 

6 subsection (l)(6), the loan for which the bor7 rower has received such counseling; and 

8 ‘‘(C) in the case of a borrower described in 

9 subsection (b)(1)(B) at an institution that uses 

10 the online counseling tool described in para11 graph (1)(A) of this subsection, the Secretary 

12 shall attempt to provide the information de13 scribed in subsection (b)(1)(A) to the borrower 

14 through such tool.’’. 

15 SEC. 5. LONGITUDINAL STUDY ON THE EFFECTIVENESS OF 

16 STUDENT LOAN COUNSELING. 

17 (a) IN GENERAL.—Not later than 1 year after the 

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

19 acting through the Director of the Institute of Education 

20 Sciences, shall begin conducting a rigorous, longitudinal 

21 study of the impact and effectiveness of the student loan 

22 counseling— 

23 (1) provided under subsections (b), (l), and (n) 

24 of section 485 of the Higher Education Act of 1965 

25 (20 U.S.C. 1092), as amended by this Act; and 


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1 (2) provided through such other means as the 

2 Secretary of Education may determine. 

3 (b) CONTENTS.— 

4 (1) BORROWER INFORMATION.—The longitu5 dinal study carried out under subsection (a) shall in6 clude borrower information, in the aggregate and 

7 disaggregated by race, ethnicity, gender, income, and 

8 status as an individual with a disability, on— 

9 (A) student persistence; 

10 (B) degree attainment; 

11 (C) program completion; 

12 (D) successful entry into student loan re13 payment; 

14 (E) cumulative borrowing levels; and 

15 (F) such other factors as the Secretary of 

16 Education may determine. 

17 (2) EXCEPTION.—The disaggregation under 

18 paragraph (1) shall not be required in a case in 

19 which the number of borrowers in a category is in20 sufficient to yield statistically reliable information or 

21 the results would reveal personally identifiable infor22 mation about an individual borrower. 

23 (c) INTERIM REPORTS.—Not later than 18 months 

24 after the commencement of the study under subsection 

25 (a), and annually thereafter, the Secretary of Education 


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1 shall evaluate the progress of the study and report any 

2 short-term findings to the appropriate committees of Con3 gress. 

4 SEC. 6. AVAILABILITY OF FUNDS. 

5 (a) USE OF EXISTING FUNDS.—Of the amount au6 thorized to be appropriated for maintaining the Depart7 ment of Education’s Financial Awareness Counseling 

8 Tool, $2,000,000 shall be available to carry out this Act 

9 and the amendments made by this Act. 

10 (b) NO ADDITIONAL FUNDS AUTHORIZED.—No 

11 funds are authorized to be appropriated by this Act to 

12 carry out this Act or the amendments made by this Act. 

Æ 


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