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ED/OPE RIN: 1840-AD53 Publication ID: Fall 2022 
Title: Borrower Defense(Completion of a Section 610 Review) 

The Secretary published final regulations in 34 CFR parts 30, 668, 674, 682, 685, and 686 that determine what acts or omissions of an institution of higher education a borrower may assert as a defense to repayment of a loan made under the Federal Direct Loan and Federal Family Education Loan Programs and specify the consequences of such borrower defenses for borrowers, institutions, and the Secretary. Further, the regulations prohibit the mandatory use of class-action lawsuits and pre-dispute arbitration agreements for matters pertaining to borrower defense claims by schools receiving title IV assistance under the Higher Education Act of 1965, as amended (HEA).

Agency: Department of Education(ED)  Priority: Economically Significant 
RIN Status: Previously published in the Unified Agenda Agenda Stage of Rulemaking: Completed Actions 
Major: Yes  Unfunded Mandates: No 
RFA Section 610 Review: Completion of a Section 610 Review 
CFR Citation: 34 CFR 30    34 CFR 668    34 CFR 674    34 CFR 682    34 CFR 685    34 CFR 686   
Legal Authority: 20 U.S.C. 1082(a)(5), (a)(6)    20 U.S.C. 1087(a)    20 U.S.C. 1087e(h)    20 U.S.C. 1221e-3    20 U.S.C. 1226a-1    20 U.S.C. 1234(a)    31 U.S.C. 3711   
Legal Deadline:  None
Action Date FR Cite
Notice of Intent to Commence Negotiated Rulemaking  05/26/2021  86 FR 28299   
NPRM  07/13/2022  87 FR 41878   
NPRM Comment Period End  08/12/2022 
Final Action  11/01/2022  87 FR 65904   
Regulatory Flexibility Analysis Required: No  Government Levels Affected: None 
Federalism: No 
Included in the Regulatory Plan: No 
RIN Data Printed in the FR: Yes 
Agency Contact:
Tamy Abernathy
Department of Education
Office of Postsecondary Education
400 Maryland Avenue SW, 2C-232,
Washington, DC 20202
Phone:202 987-0385