[House Report 113-546]
[From the U.S. Government Publishing Office]


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.
    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.

           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 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)''.
  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.--
                          ``(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 
                        competency-based 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:
  (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 Minutes

  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 two-year 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 
                recommendations 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. __. 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 
Primary 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--
                                  ``(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
                  (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,''.
                              ----------                              


 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,'';

                                  
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