[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-0-en-105":3,"doc-seo-587523-105":59,"doc-detail-587523-en":130},{"code":4,"msg":5,"data":6},0,"success",[7,13,18,23,28,33,38,43,48,51,55],{"id":8,"doc_module":4,"doc_module_name":9,"category_name":10,"show_sort_weight":11,"slug":12},1,"Document","Story & Novel",90,"story-novel",{"id":14,"doc_module":4,"doc_module_name":9,"category_name":15,"show_sort_weight":16,"slug":17},2,"Literature",80,"literature",{"id":19,"doc_module":4,"doc_module_name":9,"category_name":20,"show_sort_weight":21,"slug":22},4,"Exam",70,"exam",{"id":24,"doc_module":4,"doc_module_name":9,"category_name":25,"show_sort_weight":26,"slug":27},5,"Comic",60,"comic",{"id":29,"doc_module":4,"doc_module_name":9,"category_name":30,"show_sort_weight":31,"slug":32},6,"Technology",50,"technology",{"id":34,"doc_module":4,"doc_module_name":9,"category_name":35,"show_sort_weight":36,"slug":37},7,"Healthcare",40,"healthcare",{"id":39,"doc_module":4,"doc_module_name":9,"category_name":40,"show_sort_weight":41,"slug":42},8,"Research & Report",30,"research-report",{"id":44,"doc_module":4,"doc_module_name":9,"category_name":45,"show_sort_weight":46,"slug":47},9,"Religion & Spirituality",20,"religion-spirituality",{"id":46,"doc_module":4,"doc_module_name":9,"category_name":49,"show_sort_weight":46,"slug":50},"World Cup","world-cup",{"id":52,"doc_module":4,"doc_module_name":9,"category_name":53,"show_sort_weight":52,"slug":54},10,"Lifestyle","lifestyle",{"id":56,"doc_module":4,"doc_module_name":9,"category_name":57,"show_sort_weight":24,"slug":58},19,"General","general",{"code":4,"msg":60,"data":61},"ok",{"site_id":62,"language":63,"slug":64,"title":65,"keywords":66,"description":67,"schema_data":68,"social_meta":123,"head_meta":125,"extra_data":127,"updated_unix":129},105,"en","stop-student-debt-relief-scams-act-of-2019","Stop Student Debt Relief Scams Act of 2019","","Stop Student Debt Relief Scams Act of 2019 establishes criminal penalties for knowingly accessing Department of Education information technology systems through unauthorized access devices used for fraud, commercial advantage, or private financial gain. It also directs the Secretary to issue compliance guidance and clarifies when penalties take effect. The Act strengthens loan counseling requirements and adds safeguards limiting improper third-party access to data systems, defining conditions, authorized entities, and consent-based access controls for repayment assistance.",{"@graph":69,"@context":122},[70,84,105],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":40,"@type":76,"position":81},"https://docshare.wps.com/document/research-report/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/stop-student-debt-relief-scams-act-of-2019/587523/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/stop-student-debt-relief-scams-act-of-2019/587523.png","ImageObject",300,407,{"name":92,"@type":93},"นรินทร์","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-11-09","2026-10-15",true,{"@type":102,"interactionType":103,"userInteractionCount":24},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118],{"name":109,"@type":110,"acceptedAnswer":111},"What does the Act’s short title specify?","Question",{"text":112,"@type":113},"The Act may be cited as the “Stop Student Debt Relief Scams Act of 2019.”","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"What conduct triggers criminal penalties under the Act?",{"text":117,"@type":113},"Knowingly using an access device—issued to another person or obtained by fraud or false statement—to access Department information technology systems for fraud-related purposes, including commercial advantage or private financial gain, can result in fines, imprisonment, or both.",{"name":119,"@type":110,"acceptedAnswer":120},"How does the Act restrict third-party access to data systems for loan repayment help?",{"text":121,"@type":113},"It prevents improper access used to assist students with loan repayment or benefits unless access meets defined requirements, including compliance standards, use of properly issued devices, and access through separate entry points with consent from the relevant student, borrower, or parent.","https://schema.org",{"og:url":83,"og:type":124,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":126,"canonical":83},"index,follow",{"doc_id":128,"site_id":62},587523,1792062058,{"code":4,"msg":5,"data":131},{"doc_id":128,"user_id":132,"nickname":92,"user_avatar":133,"doc_module":4,"category_id":39,"category_name":40,"doc_title":65,"doc_description":67,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":24,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":19,"language":139,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":140,"faqs":141,"seo_title":142,"seo_description":67,"update_tm":129,"read_time":52,"preview_page_count":4},2336475104957,"https://ap-avatar.wpscdn.com/avatar/22000c4c6bd8a5076e1?x-image-process=image/resize,m_fixed,w_180,h_180&k=1787554080175789136","PUBLIC LAW 116–251—DEC. 22, 2020 134 STAT. 1129  \nPublic Law 116–251 116th Congress  \nAn Act  \nTo explicitly make unauthorized access to Department of Education information technology systems and the misuse of identification devices issued by the Department of Education a criminal act.  \nBe it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,  \nSECTION 1. SHORT TITLE.  \nThis Act may be cited as the ‘‘Stop Student Debt Relief Scams Act of 2019’’.  \nSEC. 2. CRIMINAL PENALTIES.  \n(a) IN GENERAL.—Section 490 of the Higher Education Act of 1965 (20 U.S.C. 1097) is amended by adding at the end the following:  \n‘‘(e) ACCESS TO DEPARTMENT OF EDUCATION INFORMATION TECHNOLOGY SYSTEMS FOR FRAUD, COMMERCIAL ADVANTAGE, OR PRIVATE FINANCIAL GAIN.—Any person who knowingly uses an access device, as defined in section 1029(e)(1) of title 18, United States Code, issued to another person or obtained by fraud or false statement to access Department information technology systems for purposes of obtaining commercial advantage or private financial gain, orin furtherance of any criminal or tortious act in violation of the Constitution or laws of the United States or of any State, shall be fined not more than $20,000, imprisoned for not more than 5 years, or both.’’.  \n(b) GUIDANCE.—The Secretary shall issue guidance regarding the use of access devices in a manner that complies with this Act, and the amendments made by this Act.  \n(c) EFFECTIVE DATE OF PENALTIES.—Notwithstanding section 6, the penalties described in section 490(e) of the Higher Education Act of 1965 (20 U.S.C. 1097), as added by subsection (a), shall take effect the day after the date on which the Secretary issues guidance regarding the use of access devices, as described in subsection (b) .  \nSEC. 3. LOAN COUNSELING.  \nSection 485(b) of the Higher Education Act of 1965 (20 U.S.C. 1092(b)) is amended—  \n(1) in clause (viii), by striking ‘‘and’’ after the semicolon; and  \n(2) by adding at the end the following:  \n‘‘(x) an explanation that—  \n Dec. 22, 2020   \n[S. 1153]  \nStop Student Debt Relief Scams Act of 2019.  \n20 USC 1001 note.  \n20 USC 1097 note.  \n20 USC 1097 note.  \n134 STAT. 1130 PUBLIC LAW 116–251—DEC. 22, 2020  \nFederal Register, publication.  \nDefinition.  \nDeterminations.  \n‘‘(I) the borrower may be contacted during therepayment period by third-party student debt relief companies;  \n‘‘(II) the borrower should use caution when dealing with those companies; and  \n‘‘(III) the services that those companies typically provide are already offered to borrowers free of charge through the Department or the borrower’s servicer; and’’.  \nSEC. 4. PREVENTION OF IMPROPER ACCESS.  \nSection 485B of the Higher Education Act of 1965 (20 U.S.C. 1092b) is amended—  \n(1) by redesignating subsections (e) through (h) as subsections (f) through (i), respectively;  \n(2) in subsection (d)—  \n(A) in paragraph (5)(C), by striking ‘‘and’’ after the semicolon;  \n(B) in paragraph (6)(C), by striking the period at the end and inserting‘‘; and’’; and  \n(C) by adding at the end the following:  \n‘‘(7) preventing access to the data system and any other system used to administer a program under this title by any person or entity for the purpose of assisting a student in managing loan repayment or applying for any repayment plan, consolidation loan, or other benefit authorized by this title, unless such access meets the requirements described in subsection (e).’’;  \n(3) by inserting after subsection (d) the following:‘‘(e) REQUIREMENTS FOR THIRD-PARTY DATA SYSTEM ACCESS.—  \n‘‘(1) IN GENERAL.—As provided in paragraph (7) of subsection (d), an authorized person or entity described in paragraph (2) may access the data system and any other system used to administer a program under this title if that access—  \n‘‘(A) is in compliance with terms of service, information security standards, and a code of conduct which shall be established by the Secretary and pub","cbCaipE5hPhmU94j","https://ap.wps.com/l/cbCaipE5hPhmU94j","pdf",244007,"English","# Section 1. Short Title\n# Sec. 2. Criminal Penalties\n## (a) In General\n## (b) Guidance\n## (c) Effective Date of Penalties\n# Sec. 3. Loan Counseling\n# Sec. 4. Prevention of Improper Access","[{\"question\":\"What does the Act’s short title specify?\",\"answer\":\"The Act may be cited as the “Stop Student Debt Relief Scams Act of 2019.”\"},{\"question\":\"What conduct triggers criminal penalties under the Act?\",\"answer\":\"Knowingly using an access device—issued to another person or obtained by fraud or false statement—to access Department information technology systems for fraud-related purposes, including commercial advantage or private financial gain, can result in fines, imprisonment, or both.\"},{\"question\":\"How does the Act restrict third-party access to data systems for loan repayment help?\",\"answer\":\"It prevents improper access used to assist students with loan repayment or benefits unless access meets defined requirements, including compliance standards, use of properly issued devices, and access through separate entry points with consent from the relevant student, borrower, or parent.\"}]","Stop Student Debt Relief Scams Act of 2019 | PDF"]