20 U.S.C. § 1080a

Reports to consumer reporting agencies and institutions of higher education

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(a) Agreements to exchange informationFor the purpose of promoting responsible repayment of loans covered by Federal loan insurance pursuant to this part or covered by a guaranty agreement pursuant to section 1078 of this title, the Secretary and each guaranty agency, eligible lender, and subsequent holder shall enter into an agreement with each consumer reporting agency to exchange information concerning student borrowers, in accordance with the requirements of this section. For the purpose of assisting such consumer reporting agencies in complying with the Fair Credit Reporting Act [15 U.S.C. 1681 et seq.], such agreements may provide for timely response by the Secretary (concerning loans covered by Federal loan insurance) or by a guaranty agency, eligible lender, or subsequent holder (concerning loans covered by a guaranty agreement), or to requests from such consumer reporting agencies for responses to objections raised by borrowers. Subject to the requirements of subsection (c), such agreements shall require the Secretary or the guaranty agency, eligible lender, or subsequent holder, as appropriate, to disclose to such consumer reporting agencies, with respect to any loan under this part that has not been repaid by the borrower—(1) that the loan is an education loan (as such term is defined in section 1019 of this title);(2) the total amount of loans made to any borrower under this part and the remaining balance of the loans;(3) information concerning the repayment status of the loan for inclusion in the file of the borrower, except that nothing in this subsection shall be construed to affect any otherwise applicable provision of the Fair Credit Reporting Act (15 U.S.C. 1681 et seq.);(4) information concerning the date of any default on the loan and the collection of the loan, including information concerning the repayment status of any defaulted loan on which the Secretary has made a payment pursuant to section 1080(a) of this title or the guaranty agency has made a payment to the previous holder of the loan; and(5) the date of cancellation of the note upon completion of repayment by the borrower of the loan or payment by the Secretary pursuant to section 1087 of this title.(b) Additional information

Such agreements may also provide for the disclosure by such consumer reporting agencies to the Secretary or a guaranty agency, whichever insures or guarantees a loan, upon receipt of a notice under subsection (a)(4) that such a loan is in default, of information concerning the borrower’s location or other information which may assist the Secretary, the guaranty agency, the eligible lender, or the subsequent holder in collecting the loan.

(c) Contents of agreementsAgreements entered into pursuant to this section shall contain such provisions as may be necessary to ensure that—(1) no information is disclosed by the Secretary or the guaranty agency, eligible lender, or subsequent holder unless its accuracy and completeness have been verified and the Secretary or the guaranty agency has determined that disclosure would accomplish the purpose of this section;(2) as to any information so disclosed, such consumer reporting agencies will be promptly notified of, and will promptly record, any change submitted by the Secretary, the guaranty agency, eligible lender, or subsequent holder with respect to such information, or any objections by the borrower with respect to any such information, as required by section 611 of the Fair Credit Reporting Act (15 U.S.C. 1681i);(3) no use will be made of any such information which would result in the use of collection practices with respect to such a borrower that are not fair and reasonable or that involve harassment, intimidation, false or misleading representations, or unnecessary communication concerning the existence of such loan or concerning any such information; and(4) with regard to notices of default under subsection (a)(4) of this section, except for disclosures made to obtain the borrower’s location, the Secretary, or the guaranty agency, eligible lender, or subsequent holder whichever is applicable (A) shall not disclose any such information until the borrower has been notified that such information will be disclosed to consumer reporting agencies unless the borrower enters into repayment of his or her loan, but (B) shall, if the borrower has not entered into repayment within a reasonable period of time, but not less than 30 days, from the date such notice has been sent to the borrower, disclose the information required by this subsection.(d) Contractor status of participants

A guaranty agency, eligible lender, or subsequent holder or consumer reporting agency which discloses or receives information under this section shall not be considered a Government contractor within the meaning of section 552a of title 5.

(e) Disclosure to institutions

The Secretary and each guaranty agency, eligible lender, and subsequent holder of a loan are authorized to disclose information described in subsections (a) and (b) concerning student borrowers to the eligible institutions such borrowers attend or previously attended. To further the purpose of this section, an eligible institution may enter into an arrangement with any or all of the holders of delinquent loans made to borrowers who attend or previously attended such institution for the purpose of providing current information regarding the borrower’s location or employment or for the purpose of assisting the holder in contacting and influencing borrowers to avoid default.

(f) Duration of authorityNotwithstanding paragraphs (4) and (5) of subsection (a) of section 605 of the Fair Credit Reporting Act (15 U.S.C. 1681c(a)(4), (a)(5)), a consumer reporting agency may make a report containing information received from the Secretary or a guaranty agency, eligible lender, or subsequent holder regarding the status of a borrower’s defaulted account on a loan guaranteed under this part until—(1) 7 years from the date on which the Secretary or the agency paid a claim to the holder on the guaranty;(2) 7 years from the date the Secretary, guaranty agency, eligible lender, or subsequent holder first reported the account to the consumer reporting agency; or(3) in the case of a borrower who reenters repayment after defaulting on a loan and subsequently goes into default on such loan, 7 years from the date the loan entered default such subsequent time.(Pub. L. 89–329, title IV, § 430A, as added Pub. L. 99–498, title IV, § 402(a), Oct. 17, 1986, 100 Stat. 1398; amended Pub. L. 100–50, § 10(v), June 3, 1987, 101 Stat. 346; Pub. L. 102–325, title IV, § 424, July 23, 1992, 106 Stat. 543; Pub. L. 103–208, § 2(c)(52), Dec. 20, 1993, 107 Stat. 2467; Pub. L. 110–315, title IV, § 432(a), Aug. 14, 2008, 122 Stat. 3245; Pub. L. 111–39, title IV, § 402(f)(8), July 1, 2009, 123 Stat. 1944.)Editorial NotesReferences in Text

The Fair Credit Reporting Act, referred to in subsec. (a), is title VI of Pub. L. 90–321, as added by Pub. L. 91–508, title VI, § 601, Oct. 26, 1970, 84 Stat. 1127, which is classified generally to subchapter III (§ 1681 et seq.) of chapter 41 of Title 15, Commerce and Trade. For complete classification of this Act to the Code, see Short Title note set out under section 1601 of Title 15 and Tables.

Prior Provisions

A prior section 1080a, Pub. L. 89–329, title IV, § 430A, as added Pub. L. 99–272, title XVI, § 16023, Apr. 7, 1986, 100 Stat. 349; amended Pub. L. 99–320, § 2(c), May 23, 1986, 100 Stat. 491, related to reports to credit bureaus and institutions of higher education, prior to the general revision of this part by Pub. L. 99–498.

Amendments

2009—Subsec. (f). Pub. L. 111–39, in introductory provisions, substituted “and (5)” for “and (6)” and “(a)(5)” for “(a)(6)”.

2008—Pub. L. 110–315, § 432(a)(1), substituted “consumer reporting agencies” for “credit bureaus” in section catchline.

Subsec. (a). Pub. L. 110–315, § 432(a)(2)(B)–(D), added pars. (1) and (3) and redesignated former pars. (1), (2) and (3) as (2), (4) and (5), respectively.

Pub. L. 110–315, § 432(a)(2)(A), in introductory provisions, substituted “the Secretary and” for “the Secretary,” and “an agreement with each consumer reporting agency” for “agreements with credit bureau organizations” in first sentence, “such consumer reporting agencies” for “such organizations” in two places and “insurance) or by” for “insurance), by” in second sentence, and “Secretary or” for “Secretary,” and “consumer reporting agencies” for “organizations” in third sentence.

Subsec. (b). Pub. L. 110–315, § 432(a)(3), substituted “consumer reporting agencies” for “organizations” and “subsection (a)(4)” for “subsection (a)(2)”.

Subsec. (c)(2). Pub. L. 110–315, § 432(a)(4)(A), substituted “consumer reporting agencies” for “organizations”.

Subsec. (c)(4). Pub. L. 110–315, § 432(a)(4)(B)(i), substituted “subsection (a)(4)” for “subsection (a)(2)”.

Subsec. (c)(4)(A). Pub. L. 110–315, § 432(a)(4)(B)(ii), substituted “consumer reporting agencies” for “credit bureau organizations”.

Subsec. (d). Pub. L. 110–315, § 432(a)(5), substituted “consumer reporting agency” for “credit bureau organization”.

1993—Subsec. (f)(1). Pub. L. 103–208 substituted a semicolon for the comma at end.

1992—Subsec. (f). Pub. L. 102–325 struck out “or” at end of par. (1), added pars. (2) and (3), and struck out former par. (2) which read as follows: “with regard to an account on a loan on which the Secretary or the guaranty agency has paid a claim but not reported the account to a consumer reporting agency on or before October 1, 1985, 7 years from that date.”

1987—Subsec. (e). Pub. L. 100–50 inserted sentence at end permitting an eligible institution to enter into arrangements with holders of delinquent loans made to borrowers for purpose of providing current information on borrower’s location or employment or to assist holder in contacting and influencing borrower to avoid default.

Statutory Notes and Related SubsidiariesEffective Date of 2009 Amendment

Amendment by Pub. L. 111–39 effective as if enacted on the date of enactment of Pub. L. 110–315 (Aug. 14, 2008), see section 3 of Pub. L. 111–39, set out as a note under section 1001 of this title.

Effective Date of 1993 Amendment

Amendment by Pub. L. 103–208 effective as if included in the Higher Education Amendments of 1992, Pub. L. 102–325, except as otherwise provided, see section 5(a) of Pub. L. 103–208, set out as a note under section 1051 of this title.

Effective Date of 1987 Amendment

Amendment by Pub. L. 100–50 effective as if enacted as part of the Higher Education Amendments of 1986, Pub. L. 99–498, see section 27 of Pub. L. 100–50, set out as a note under section 1001 of this title.

Notes of Decisions

Cited in 12 cases (2 in the last 5 years), 1994–2024 · leading case: Bryana Bible v. United Student Aid Funds, Inc., 799 F.3d 633 (7th Cir. 2015).

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Bryana Bible v. United Student Aid Funds, Inc., 799 F.3d 633 (7th Cir. 2015). · cites it 6× “410 (b)(5)(vi)(G); 20 U.S.C. § 1080a(c)( 4). Al- though the borrower may avoid the report of her default in this way, she is still in default and therefore must pay collec- tion costs: “a borrower who has defaulted on a loan made under this subchapter … shall be required to pay…”

Anthony Robinson v. US Dep't of Educ., 917 F.3d 799 (4th Cir. 2019). “The Department represents that "[i]n fiscal year 2017, for example, the delinquent non-tax debt owed to the federal government totaled $185 billion." Brief for Appellee, at 23. It notes that federal agencies sometimes are required by law to report delinquent debts to the…”

Pirouzian v. SLM Corp., 396 F. Supp. 2d 1124 (S.D. Cal. 2005). · cites it 2× “The CFDCPA claims that are based on Defendant’s reporting of negative credit information about Plaintiff are further preempted by 20 U.S.C. § 1080a(a). Under section 1080a(a), “each guarantee agency, eligible lender, and subsequent holder [of federally insured student loans]…”

Mooneyham v. Equifax Info. Servs., LLC, 99 F. Supp. 3d 720 (W.D. Ky. 2015). · cites it 2× “The Department claims 20 U.S.C. § 1080a relieves it of all legal obligations once loans have been repaid.”

Fischer v. UNIPAC Serv. Corp., 519 N.W.2d 793 (Iowa 1994). “20 U.S.C. § 1080a. Likewise, Fischer’s claim of defamation must fail.”

Seamans v. Temple Univ., 901 F. Supp. 2d 584 (E.D. Pa. 2012). · cites it 2× “For example, 20 U.S.C. § 1080a(f) provides for a longer reporting period than would otherwise apply under the FCRA for information regarding Family Federal Education Loans.”

Davis v. United Student Aid Funds, Inc., 45 F. Supp. 2d 1104 (D. Kan. 1998). “20 U.S.C. §§ 1080a(c)(4), 1085(f) (1990).”

Microcomputer Tech. Inst. v. Riley, 139 F.3d 1044 (5th Cir. 1998). “” 20 U.S.C. § 1080a(b)(3). The statute further defined “cost of attendance” as “the tuition and uniform compulsory fees normally charged a full-time student at the institution,” 20 U.”

Badger v. CUNY Graduate Ctr. (S.D.N.Y. 2023). “” 20 U.S.C. § 1080a(a). about what CUNY did or failed to do that violated his rights under the HEA, as amended by the HEOA.”

Ainsworth v. U.S. Dep't of Educ. (N.D. Okla. 2019). “20 U.S.C. § 1080a(a). Defendant is required to disclose (1) whether the loan is an education loan; (2) the total amount of the loan and any remaining balance; (3) the repayment status of the loan; (4) the date of default of the loan; and (5) the date of cancellation of the note…”

Kaetz v. Educ. Credit Mgmt. Corp. (D.N.J. 2019). “59-1 at 3 (citing 20 U.S.C. §1080a; 34 C.F.R. § 682.410 (b)(5)).”

Williams v. Trans Union, LLC (D. Conn. 2024). “Specifically, Williams cites 20 U.S.C. § 1080a(f)(2), which forbids consumer reporting agencies from including in a credit report information received from the Department of Education that is 7 years or more from the date that the account was first reported to the consumer…”

— 20 U.S.C. § 1080a(a) — 3 cases

Pirouzian v. SLM Corp., 396 F. Supp. 2d 1124 (S.D. Cal. 2005). “The CFDCPA claims that are based on Defendant’s reporting of negative credit information about Plaintiff are further preempted by 20 U.S.C. § 1080a(a). Under section 1080a(a), “each guarantee agency, eligible lender, and subsequent holder [of federally insured student loans]…”

Badger v. CUNY Graduate Ctr. (S.D.N.Y. 2023). “” 20 U.S.C. § 1080a(a). about what CUNY did or failed to do that violated his rights under the HEA, as amended by the HEOA.”

— 20 U.S.C. § 1080a(a)(3) — 1 case

Mooneyham v. Equifax Info. Servs., LLC, 99 F. Supp. 3d 720 (W.D. Ky. 2015). “The Department claims 20 U.S.C. § 1080a relieves it of all legal obligations once loans have been repaid.”

— 20 U.S.C. § 1080a(a)(l) — 1 case

— 20 U.S.C. § 1080a(b)(3) — 1 case

— 20 U.S.C. § 1080a(c) — 1 case

Bryana Bible v. United Student Aid Funds, Inc., 799 F.3d 633 (7th Cir. 2015). “410 (b)(5)(vi)(G); 20 U.S.C. § 1080a(c)( 4). Al- though the borrower may avoid the report of her default in this way, she is still in default and therefore must pay collec- tion costs: “a borrower who has defaulted on a loan made under this subchapter … shall be required to pay…”

— 20 U.S.C. § 1080a(c)(4) — 2 cases

Davis v. United Student Aid Funds, Inc., 45 F. Supp. 2d 1104 (D. Kan. 1998). “20 U.S.C. §§ 1080a(c)(4), 1085(f) (1990).”

— 20 U.S.C. § 1080a(f) — 1 case

Seamans v. Temple Univ., 901 F. Supp. 2d 584 (E.D. Pa. 2012). “For example, 20 U.S.C. § 1080a(f) provides for a longer reporting period than would otherwise apply under the FCRA for information regarding Family Federal Education Loans.”

— 20 U.S.C. § 1080a(f)(2) — 1 case

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