I 
115TH CONGRESS 
1ST SESSION H. R. 3554 
To amend the Higher Education Act of 1965 to provide for the automatic 
recertification of income for income-driven repayment plans, and for 
other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
JULY 28, 2017 
Ms. BONAMICI (for herself, Mr. COSTELLO of Pennsylvania, Mr. MOULTON, 
and Mr. MEEHAN) introduced the following bill; which was referred to the 
Committee on Education and the Workforce, and in addition to the Com-
mittee on Ways and Means, for a period to be subsequently determined 
by the Speaker, in each case for consideration of such provisions as fall 
within the jurisdiction of the committee concerned 
A BILL 
To amend the Higher Education Act of 1965 to provide 
for the automatic recertification of income for income- 
driven repayment plans, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Streamlining Income- 
driven, Manageable Payments on Loans for Education 
Act’’ or the ‘‘SIMPLE Act’’. 
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SEC. 2. AUTOMATIC INCOME MONITORING PROCEDURES 
AFTER 
A 
TOTAL 
AND 
PERMANENT 
DIS-
ABILITY DISCHARGE. 
Section 437(a) of the Higher Education Act of 1965 
(20 U.S.C. 1087(a)) is amended by adding at the end the 
following: 
‘‘(3) AUTOMATIC INCOME MONITORING.— 
‘‘(A) IN GENERAL.—Not later than 2 years 
after the date of enactment of the Streamlining 
Income-driven, Manageable Payments on Loans 
for Education Act, the Secretary shall establish 
and implement, with respect to any borrower 
described in subparagraph (B), procedures to— 
‘‘(i) obtain (for each year of the in-
come-monitoring period described in sub-
paragraph (B) and without further action 
by the borrower) such information as is 
reasonably necessary regarding the income 
of such borrower (and the borrower’s 
spouse, if applicable) for the purpose of de-
termining the borrower’s continued eligi-
bility for the loan discharge described in 
subparagraph (B) for such year, and any 
other information necessary to determine 
such continued eligibility of the borrower 
for such year, except that— 
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‘‘(I) in the case of a borrower 
whose returns and return information 
indicate that the borrower has no 
earned income for any year of such 
income-monitoring period, such bor-
rower shall be treated as not having 
earned income in excess of the poverty 
line for such year; and 
‘‘(II) this clause shall be subject 
to clause (ii); 
‘‘(ii) allow the borrower, at any time, 
to opt out of clause (i) and prevent the 
Secretary 
from 
obtaining 
information 
under such clause without further action 
by the borrower; and 
‘‘(iii) provide the borrower with an op-
portunity to update the information ob-
tained under clause (i) before the deter-
mination of the borrower’s continued eligi-
bility for such loan discharge for such 
year. 
‘‘(B) APPLICABILITY.—Subparagraph (A) 
shall apply— 
‘‘(i) to each borrower of a covered 
loan (defined in section 455(d)(8)) that is 
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discharged under this subsection or section 
464(c)(1)(F) due to the permanent and 
total disability of the borrower; and 
‘‘(ii) during the income-monitoring pe-
riod under this subsection, defined in this 
paragraph as the period— 
‘‘(I) beginning on the date on 
which such loan is so discharged; and 
‘‘(II) during which the Secretary 
determines whether a reinstatement of 
the obligation of, and resumption of 
collection on, such loan may be nec-
essary. 
‘‘(C) AVAILABILITY OF RETURNS AND RE-
TURN INFORMATION.—Returns and return in-
formation may be obtained under subparagraph 
(A)(i) only to the extent authorized by section 
6103(l)(13) of the Internal Revenue Code of 
1986. 
‘‘(D) DEFINITION.—In this paragraph, the 
term ‘returns and return information’ has the 
meaning given the term in section 6103 of the 
Internal Revenue Code of 1986.’’. 
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SEC. 3. NOTIFICATION AND AUTOMATIC ENROLLMENT 
PROCEDURES FOR BORROWERS WHO ARE 
DELINQUENT ON LOANS AND FOR BOR-
ROWERS WHO REHABILITATED DEFAULTED 
LOANS. 
(a) AMENDMENTS.— 
(1) NOTIFICATION
AND
AUTOMATIC
ENROLL-
MENT PROCEDURES.—Section 455(d) of the Higher 
Education Act of 1965 (20 U.S.C. 1087e(d)) is 
amended by adding at the end the following: 
‘‘(6) NOTIFICATION AND AUTOMATIC ENROLL-
MENT PROCEDURES FOR BORROWERS WHO ARE DE-
LINQUENT ON LOANS.— 
‘‘(A) AUTHORITY TO OBTAIN INCOME IN-
FORMATION.— 
‘‘(i) IN GENERAL.—In the case of any 
borrower who is at least 60 days delin-
quent on a covered loan, the Secretary may 
obtain such information as is reasonably 
necessary regarding the income and family 
size of the borrower (and the borrower’s 
spouse, if applicable). 
‘‘(ii) AVAILABILITY OF RETURNS AND 
RETURN INFORMATION.—Returns and re-
turn information (as defined in section 
6103 of the Internal Revenue Code of 
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1986) may be obtained under this subpara-
graph only to the extent authorized by sec-
tion 6103(l)(13) of such Code. 
‘‘(B) BORROWER NOTIFICATION.—With re-
spect to each borrower of a covered loan who is 
at least 60 days delinquent on such loan and 
who has not been subject to the procedures 
under this paragraph for such loan in the pre-
ceding 120 days, the Secretary shall, as soon as 
practicable after such 60-day delinquency, pro-
vide to the borrower the following: 
‘‘(i) Notification that the borrower is 
at least 60 days delinquent on at least 1 
covered loan, and a description of all delin-
quent covered loans, nondelinquent covered 
loans, and noncovered loans of the bor-
rower. 
‘‘(ii) A brief description of the repay-
ment plans for which the borrower is eligi-
ble and the covered loans and noncovered 
loans of the borrower that may be eligible 
for such plans, based on information avail-
able to the Secretary. 
‘‘(iii) Clear and simple instructions on 
how to select the repayment plans. 
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tionary income in such a manner that 
an individual not required under sec-
tion 6012(a)(1) of the Internal Rev-
enue Code of 1986 to file a return 
with respect to income taxes imposed 
by subtitle A of such Code may have 
a calculated monthly payment greater 
than $0, the borrower will be required 
to provide the Secretary with other 
documentation of income satisfactory 
to the Secretary, which documentation 
the Secretary may use to determine 
an appropriate repayment schedule; 
and 
‘‘(II) if the borrower selects to 
repay such loans pursuant to an in-
come-driven repayment plan that is 
not described in subclause (I), the 
borrower will not be required to pro-
vide the Secretary with such other 
documentation of income, and the bor-
rower will have a calculated monthly 
payment of $0. 
‘‘(vi) An explanation that the Sec-
retary shall take the actions under sub-
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paragraph (C) with respect to such bor-
rower, if— 
‘‘(I) the borrower is 120 days de-
linquent on one or more covered loans 
and has not selected a new repayment 
plan for the covered loans of the bor-
rower; and 
‘‘(II) in the case of such a bor-
rower whose repayment plan for the 
covered loans of the borrower is not 
an income-driven repayment plan, the 
monthly payments under such repay-
ment plan are higher than such 
monthly payments would be under an 
income-driven repayment plan for 
such loans. 
‘‘(vii) Instructions on updating the in-
formation of the borrower obtained under 
subparagraph (A). 
‘‘(C) SECRETARY’S INITIAL SELECTION OF 
PLAN.—With respect to each borrower de-
scribed in subparagraph (B) who has a repay-
ment plan for the covered loans of the borrower 
that meets the requirements of clause (vi)(II) of 
subparagraph (B) and has not selected a new 
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repayment plan for such loans in accordance 
with the notice received under such subpara-
graph, and who is at least 120 days delinquent 
on such a loan, the Secretary shall, as soon as 
practicable— 
‘‘(i) in a case in which any of the bor-
rower’s covered loans are eligible for an in-
come-driven repayment plan— 
‘‘(I)(aa) provide the borrower 
with the income-driven repayment 
plan that requires the lowest monthly 
payment amount for each covered loan 
of the borrower, compared to any 
other such plan for which the bor-
rower is eligible; or 
‘‘(bb) if more than one income- 
driven repayment plan would offer the 
borrower the same lowest monthly 
payment amount, provide the bor-
rower with the income-driven repay-
ment plan that has the most favorable 
terms for the borrower; 
‘‘(II) if the plan selected under 
subclause (I) is not the income-driven 
repayment plan that would have the 
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lowest monthly payment amount if the 
borrower were eligible for such plan 
for the borrower’s covered loans and 
noncovered loans, notify the borrower 
of the actions, if any, the borrower 
may take to become eligible for such 
income-driven repayment plan; and 
‘‘(III) authorize the borrower to 
change the Secretary’s selection of a 
plan under this clause to any plan de-
scribed in paragraph (1) for which the 
borrower is eligible; and 
‘‘(ii) in a case in which none of the 
borrower’s covered loans are eligible for an 
income-driven repayment plan, notify the 
borrower of the actions, if any, the bor-
rower may take for such loans to become 
eligible for such a plan. 
‘‘(D) SECRETARY’S
ADDITIONAL
SELEC-
TION OF PLAN.— 
‘‘(i) IN
GENERAL.—With respect to 
each borrower of a covered loan who se-
lects a new repayment plan in accordance 
with the notice received under subpara-
graph (B) and who continues to be delin-
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quent on such loan for a period described 
in clause (ii), the Secretary shall, as soon 
as practicable after such period, carry out 
the procedures described in clauses (i) and 
(ii) of subparagraph (C) for the covered 
loans of the borrower, if such procedures 
would result in lower monthly repayment 
amounts on such loan. 
‘‘(ii) DESCRIPTION OF PERIOD.—The 
duration of the period described in clause 
(i) shall be the amount of time that the 
Secretary determines is sufficient to indi-
cate that the borrower may benefit from 
repaying such loan under a new repayment 
plan, but in no case shall such period be 
less than 60 days. 
‘‘(E) OPT-OUT.—A borrower of a covered 
loan shall have the right to opt out of the pro-
cedures under this paragraph. 
‘‘(F) PROCEDURES.—The Secretary shall 
establish procedures as are necessary to effec-
tively implement this paragraph. 
‘‘(7) NOTIFICATION AND AUTOMATIC ENROLL-
MENT PROCEDURES FOR BORROWERS WHO ARE RE-
HABILITATING DEFAULTED LOANS.— 
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‘‘(A) AUTHORITY TO OBTAIN INCOME IN-
FORMATION.— 
‘‘(i) IN GENERAL.—In the case of any 
borrower who is rehabilitating a covered 
loan pursuant to section 428F(a), the Sec-
retary may obtain such information as is 
reasonably necessary regarding the income 
and family size of the borrower (and the 
borrower’s spouse, if applicable). 
‘‘(ii) AVAILABILITY OF RETURNS AND 
RETURN INFORMATION.—Returns and re-
turn information (as defined in section 
6103 of the Internal Revenue Code of 
1986) may be obtained under this subpara-
graph only to the extent authorized by sec-
tion 6103(l)(13) of such Code. 
‘‘(B) 
BORROWER
NOTIFICATION.—Not 
later than 30 days after a borrower makes the 
6th payment required for the loan rehabilitation 
described in subparagraph (A), the Secretary 
shall notify the borrower of the process under 
subparagraph (C) with respect to such loan. 
‘‘(C) SECRETARY’S SELECTION OF PLAN.— 
With respect to each borrower who has made 
the 9th payment required for the loan rehabili-
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tation described in subparagraph (A), the Sec-
retary shall, as soon as practicable after such 
payment— 
‘‘(i) in a case in which any of the bor-
rower’s covered loans, without regard to 
whether the loan has been so rehabilitated, 
is eligible for an income-driven repayment 
plan— 
‘‘(I)(aa) provide the borrower 
with the income-driven repayment 
plan that requires the lowest monthly 
payment amount for each covered loan 
of the borrower, compared to any 
other such plan for which the bor-
rower is eligible; or 
‘‘(bb) if more than one income- 
driven repayment plan would offer the 
borrower the same lowest monthly 
payment amount, provide the bor-
rower with the income-driven repay-
ment plan that has the most favorable 
terms for the borrower; and 
‘‘(II) if the plan selected under 
subclause (I) is not the income-driven 
repayment plan that would have the 
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‘‘(A) COVERED LOAN.—The term ‘covered 
loan’ means— 
‘‘(i) a loan made under this part; 
‘‘(ii) a loan purchased under section 
459A; or 
‘‘(iii) a loan that has been assigned to 
the Secretary under section 428(c)(8) or 
part E. 
‘‘(B) 
INCOME-DRIVEN
REPAYMENT 
PLAN.—The term ‘income-driven repayment 
plan’ means a plan described in subparagraph 
(D) or (E) of paragraph (1). 
‘‘(C) 
NONCOVERED
LOAN.—The 
term 
‘noncovered loan’ means a loan made, insured, 
or guaranteed under this title that is not a cov-
ered loan.’’. 
(3) CHANGING PLANS.—Section 493C(b)(8) of 
the Higher Education Act of 1965 (20 U.S.C. 
1098e(b)(8)) is amended to read as follows: 
‘‘(8) a borrower who is repaying a loan made, 
insured, or guaranteed under part B or D pursuant 
to income-based repayment may elect, at any time, 
to terminate repayment pursuant to income-based 
repayment and repay such loan under any repay-
ment plan for which the loan is eligible in accord-
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ance with the requirements of part B or part D, re-
spectively; and’’. 
(b) EFFECTIVE DATE; APPLICATION.— 
(1) AUTOMATIC
ENROLLMENT.—The amend-
ments made by paragraphs (1) and (2) of subsection 
(a) shall— 
(A) take effect as soon as the Secretary of 
Education determines practicable after the Sec-
retary finalizes the procedures under section 5, 
but not later than 2 years after the date of en-
actment of this Act; and 
(B) apply to all borrowers of covered loans 
(as defined in section 455(d)(8) of the Higher 
Education Act of 1965, as added by subsection 
(a)). 
(2) CHANGING PLANS.—The amendment made 
by subsection (a)(3) shall take effect on the date of 
enactment of this Act. 
SEC. 4. AUTOMATIC RECERTIFICATION OF INCOME. 
(a) INCOME
CONTINGENT
REPAYMENT.—Section 
455(e) of the Higher Education Act of 1965 (20 U.S.C. 
1087e(e)) is amended— 
(1) in paragraph (3)— 
(A) by striking ‘‘does not reasonably re-
flect the borrower’s current income’’ and insert-
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ing ‘‘whose income has decreased relative to the 
adjusted gross income available to the Sec-
retary’’; and 
(B) by inserting ‘‘, consistent with the pro-
cedures 
established 
under 
paragraph 
(8)(B)(iv)’’ before the period at the end; and 
(2) by adding at the end the following: 
‘‘(8) AUTOMATIC RECERTIFICATION.— 
‘‘(A) DEFINITION.—In this paragraph, the 
term ‘covered loan’ has the meaning given the 
term in subsection (d)(8). 
‘‘(B) IN GENERAL.—Beginning as soon as 
the Secretary determines practicable after the 
Secretary finalizes the procedures under section 
5 of the Streamlining Income-driven, Manage-
able Payments on Loans for Education Act, but 
not later than 2 years after the date of enact-
ment of such Act, the Secretary shall establish 
and implement, with respect to any borrower 
described in subparagraph (C), procedures to— 
‘‘(i) obtain (for each year of repay-
ment and without further action by the 
borrower) such information as is reason-
ably necessary regarding the income of 
such borrower (and the borrower’s spouse, 
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if applicable), for the purpose of deter-
mining the repayment obligation of the 
borrower for such year, including informa-
tion with respect to the borrower’s family 
size in accordance with the procedures 
under section 5 of the Streamlining In-
come-driven, Manageable Payments on 
Loans for Education Act, subject to clause 
(ii); 
‘‘(ii) allow the borrower, at any time, 
to opt out of clause (i) and prevent the 
Secretary 
from 
obtaining 
information 
under such clause without further action 
by the borrower; 
‘‘(iii) provide the borrower with an op-
portunity to update the information ob-
tained under clause (i) before the deter-
mination of the annual repayment obliga-
tion of the borrower; and 
‘‘(iv) in the case of a borrower for 
whom adjusted gross income is unavail-
able— 
‘‘(I) if the borrower has selected 
to repay the covered loans of such 
borrower pursuant to an income con-
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tingent repayment plan that defines 
discretionary income in such a man-
ner that an individual not required 
under section 6012(a)(1) of the Inter-
nal Revenue Code of 1986 to file a re-
turn with respect to income taxes im-
posed by subtitle A of such Code may 
have a calculated monthly payment 
greater than $0, the borrower will be 
required to provide the Secretary with 
other documentation of income satis-
factory to the Secretary, which docu-
mentation the Secretary may use to 
determine an appropriate repayment 
schedule; or 
‘‘(II) if the borrower has selected 
to repay such loans pursuant to an in-
come contingent repayment that is not 
described in subclause (I), the bor-
rower will not be required to provide 
the Secretary with such other docu-
mentation of income, and the bor-
rower will have a calculated monthly 
payment of $0. 
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‘‘(C) APPLICABILITY.—Subparagraph (B) 
shall apply to each borrower of a covered loan 
who, on or after the date on which the Sec-
retary establishes procedures under such sub-
paragraph— 
‘‘(i) selects, or for whom the Secretary 
selects under subparagraph (C) or (D) of 
paragraph (6) or paragraph (7)(C) of sub-
section (d), or section 428(m)(1), an in-
come contingent repayment plan; or 
‘‘(ii) recertifies income and family size 
under such plan. 
‘‘(D) AVAILABILITY OF RETURNS AND RE-
TURN INFORMATION.—Returns and return in-
formation (as defined in section 6103 of the In-
ternal Revenue Code of 1986) may be obtained 
under subparagraph (B)(i) only to the extent 
authorized by section 6103(l)(13) of such Code. 
‘‘(E) OTHER REQUIREMENTS.—The proce-
dures established by the Secretary under this 
paragraph shall be consistent with the require-
ments of paragraphs (1) through (7), except as 
otherwise provided in this paragraph.’’. 
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(b) INCOME-BASED REPAYMENT.—Section 493C(c) 
of the Higher Education Act of 1965 (20 U.S.C. 1098e(c)) 
is amended— 
(1) by striking ‘‘The Secretary shall establish’’ 
and inserting the following: 
‘‘(1) IN GENERAL.—The Secretary shall estab-
lish’’; 
(2) by striking ‘‘The Secretary shall consider’’ 
and inserting the following: 
‘‘(2) PROCEDURES FOR ELIGIBILITY.—The Sec-
retary shall— 
‘‘(A) consider’’; and 
(3) by striking ‘‘428C(b)(1)(E).’’ and inserting 
the following: ‘‘428C(b)(1)(E); and 
‘‘(B) beginning as soon as the Secretary 
determines practicable after the Secretary final-
izes the procedures under section 5 of the 
Streamlining Income-driven, Manageable Pay-
ments on Loans for Education Act, but not 
later than 2 years after the date of enactment 
of such Act, carry out, with respect to bor-
rowers of any covered loan (as defined in sec-
tion 455(d)(8)), procedures for income-based 
repayment plans that are equivalent to the pro-
cedures carried out under section 455(e)(8) 
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with respect to income contingent repayment 
plans.’’. 
SEC. 5. STUDY AND PROCEDURES ON DETERMINING FAM-
ILY SIZE. 
(a) IN GENERAL.—Not later than 1 year after the 
date of enactment of this Act, the Secretary of Education 
shall— 
(1) jointly with the Secretary of the Treasury, 
conduct a study, which meets the specifications de-
scribed in subsection (b), on the effect of using data 
from the Internal Revenue Service on the deduction 
for personal exemptions provided by section 151 of 
the Internal Revenue Code of 1986 for a proxy for 
family size in an income-driven repayment plan, and 
publish such study in the Federal Register; 
(2) use the results of the study conducted under 
paragraph (1) to develop procedures for determining 
family size for the automatic recertification of in-
come for an income-driven repayment plan in a man-
ner that minimizes burdens and unintended harm to 
borrowers; 
(3) publish the procedures developed under 
paragraph (2) in the Federal Register; and 
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(4) after a notice and comment period on such 
procedures, use such comments to finalize the proce-
dures. 
(b) SPECIFICATIONS.—The study conducted under 
subsection (a)(1) shall— 
(1) determine how closely such personal exemp-
tions match the family size that borrowers report on 
their income-driven repayment plan request form; 
(2) compare the borrower’s actual monthly pay-
ment amount with the monthly payment amount 
borrowers would have using family size information 
derived from tax returns; and 
(3) use data from more than one year, where 
possible, to analyze how much family size changes 
over time. 
(c) DEFINITION.—The term ‘‘income-driven repay-
ment plan’’ has the meaning given the term in section 
455(d)(8) of the Higher Education Act of 1965, as 
amended by this Act. 
SEC. 6. DISCLOSURE OF TAX RETURN INFORMATION TO 
CARRY OUT CERTAIN HIGHER EDUCATION 
LOAN PROGRAMS. 
(a) IN GENERAL.—Paragraph (13) of section 6103(l) 
of the Internal Revenue Code of 1986 is amended to read 
as follows: 
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‘‘(13) DISCLOSURE OF RETURNS AND RETURN 
INFORMATION
FOR
PURPOSES
OF
STUDENT
LOAN 
ADMINISTRATION.— 
‘‘(A) IN GENERAL.—The Secretary, subject 
to such requirements and conditions as the Sec-
retary may prescribe, shall upon written request 
from the Secretary of Education disclose to offi-
cers and employees of the Department of Edu-
cation returns and return information with re-
spect to a taxpayer who has received an appli-
cable student loan. 
‘‘(B) RESTRICTION ON USE OF DISCLOSED 
INFORMATION.—Return information disclosed 
under subparagraph (A) may be used by offi-
cers and employees of the Department of Edu-
cation only for the purposes of, and to the ex-
tent necessary for purposes of— 
‘‘(i) carrying out income monitoring 
under section 437(a) of the Higher Edu-
cation Act of 1965 (20 U.S.C. 1087(a)), 
‘‘(ii) establishing the appropriate in-
come contingent repayment amount in con-
nection with an applicable student loan, 
‘‘(iii) establishing the appropriate re-
payment amount under an applicable in-
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come-driven repayment plan (as defined in 
section 455(d)(8) of such Act (20 U.S.C. 
1087e(d))) in connection with an applica-
ble student loan for— 
‘‘(I) borrowers who have selected 
such a plan, and 
‘‘(II) in the case of any recertifi-
cation under section 455(e)(8) or 
493C(c)(2)(B) of the Higher Edu-
cation Act of 1965 (20 U.S.C. 
1087e(e); 1098e(c)), borrowers who 
are enrolled in such a plan, 
‘‘(iv) in the case of borrowers who are 
at least 60 days delinquent on an applica-
ble student loan— 
‘‘(I) providing notice of eligibility 
for an income-driven repayment plan 
(as so defined) pursuant to section 
455(d)(6)(B) of the Higher Education 
Act of 1965 (20 U.S.C. 1087e(d)), 
and 
‘‘(II) automatic enrollment in 
such an income-driven repayment plan 
after such borrowers are at least 120 
days delinquent on such a loan pursu-
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ant to section 455(d)(6)(C) of such 
Act (20 U.S.C. 1087e(d)), and 
‘‘(v) in the case of borrowers who are 
rehabilitating defaulted loans, providing 
notice of eligibility for an income-driven re-
payment plan (as so defined) and auto-
matic enrollment in such a plan pursuant 
to section 455(d)(7) of the Higher Edu-
cation Act of 1965 (20 U.S.C. 1087e(d)). 
‘‘(C) DISCLOSURE TO CERTAIN CONTRAC-
TORS.—Officers and employees of the Depart-
ment of Education may disclose the information 
described in subparagraph (A) to persons 
awarded contracts by the Secretary of Edu-
cation under section 456 of the Higher Edu-
cation Act of 1965 (20 U.S.C. 1087f) to the ex-
tent necessary for the purposes described in 
subparagraph (B). 
‘‘(D) SPOUSAL
INFORMATION
FOR
MAR-
RIED
INDIVIDUALS
FILING
SEPARATE
RE-
TURNS.—For purposes of this paragraph, in the 
case of a married individual filing a separate re-
turn, the term ‘taxpayer’ includes the spouse of 
that individual if the Secretary of Education re-
quests information from the spouse of that indi-
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(b) CONFORMING AMENDMENTS.— 
(1) Section 6103(a)(3) of such Code is amended 
by inserting ‘‘(13),’’ after ‘‘(12),’’. 
(2) Section 6103(p)(4) of such Code is amend-
ed by inserting ‘‘(13),’’ after ‘‘(l)(10),’’ each place it 
occurs. 
(c) EFFECTIVE DATE.—The amendments made by 
this section shall apply to disclosures made after the date 
of enactment of this Act. 
Æ 
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