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Recommendations on Best Practices in Performance-Based Contracting (Aug. 2015)

The March 10, 2015 Presidential Memorandum, “A Student Aid Bill of Rights to Help Ensure Affordable Loan Repayment” (Presidential Memorandum), directed an interagency task force (Task Force) consisting of the Department of the Treasury, Department of Education, Office of Management and Budget, and Domestic Policy Council to monitor trends in the student loan portfolio, budget costs, and borrower assistance efforts.

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Solicitation No. ED-FSA-17-R-0001, Combined Synopsis/Solicitation (Apr. 4, 2016)

Responses to questions submitted that were relevant to responding to the solicitation have been provided herein.

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Secretary DeVos Announces Intent to Enhance FSA’s Next Generation Processing and Servicing Environment (Aug. 1, 2017)

U.S. Secretary of Education Betsy DeVos announced her intent to transform how Federal Student Aid (FSA) provides customer service to more than 42 million student loan borrowers. The anticipated FSA Next Generation Processing and Servicing Environment will provide for a single data processing platform to house all student loan information while at the same time allowing for customer account servicing to be performed either by a single contract servicer or by multiple contract servicers.

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In re Elite Academy of Beauty Arts, No. 15-60-SP (Nov. 27, 2017)

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In re Maurice Charles Academy of Hair Styling, No. 91-18-ST (May 17, 1993)

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Briggs v. Strategic Fin. Sols., No. 1:22-cv-03705 (N.D. Ill. July 18, 2022)

This is a class action complaint against a debt settlement organization that used the attorney model. It alleges common law fraud, violation of the Illinois Consumer Fraud Act, unjust enrichment, violation of the Illinois Rules of Professional Conduct (for attorneys), and the Illinois Debt Settlement Consumer Protection Act. The facts of the complaint provide an extensive description of how debt settlement operators attempt to evade laws regulating debt relief services by attempting to use attorneys as a front for their operations.

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Sweet v. Cardona, No. 3:19-cv-03674-WHA (N.D. Cal. July 25, 2022)

Defendants’ Consolidated Opposition to Motions for Intervention

This class action lawsuit presents a dispute between student loan borrowers and the U.S. Department of Education (“Department”) regarding the Department’s process for reviewing and adjudicating borrowers’ applications for the Department to relieve them of their loan repayment obligations based on the alleged misconduct of the schools they attended.

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Sample FOIA Complaint (National Consumer Law Center v. U.S. Dep't of Educ. )

This is an action under the Freedom of Information Act (“FOIA”), 5 U.S.C. § 552, to enforce the public’s right to documents governing the relationship between the United States Department of Education (“ED” or “Department”) and private student loan servicing companies with whom ED contracts to handle billing and other services for the federal student loans of over 40 million Americans.

Summary of Notices of Error and Requests for Information Found on the NCLC Digital Library

This document summarizes where on the NCLC Digital Library can be found various types of sample Notices of Error or Request for Information, sent pursuant to RESPA rights.

Mortgage Servicing and Loan Modifications Appx E.2 contains nine RESPA notices of error and requests for information, that can be copy/pasted, downloaded as pdfs, and emailed.

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Consent Order and Order to Pay, In re World’s Foremost Bank, Sidney, Neb., FDIC-10-775b, FDIC-10-777k (Dep’t of Treasury, Federal Deposit Ins. Corp. Mar. 8, 2011)

In In re World’s Foremost Bank, the bank agreed to pay $10.1 million in restitution to injured consumers and $250,000 in penalties for assessing two consecutive over-the-limit fees. The banks would assess an over-the-limit fee during the billing cycle in which the consumer went over their limit, then assess a second over-the-limit fee on the first day of next billing cycle, before the consumer had a chance to make a payment in order to get back under the limit.

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Consent Order and Order to Pay, In re 1st Fin. Bank USA Dakota Dunes, South Dakota, FDIC-09-307b, FDIC-09-309k (Dep’t of Treasury, Federal Deposit Ins. Corp. Dec. 30, 2009)

In In re 1st Fin. Bank USA, the bank agreed to pay $10 million in restitution to injured consumers and $140,000 in penalties for assessing two consecutive over-the-limit fees. The banks would assess an over-the-limit fee during the billing cycle in which the consumer went over their limit, then assess a second over-the-limit fee on the first day of next billing cycle, before the consumer had a chance to make a payment in order to get back under the limit.

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Marinello Schools of Beauty (Los Angeles, CA) Denial Letter

Denial of Recertification Application to Participate in Federal Student Financial Assitance Programs

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Marinello Schools of Beauty (Moreno Valley, CA) Denial Letter

Denial of Recertification Application to Participate in Federal Student Financial Assitance Programs

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Marinello Schools of Beauty (Sacramento, CA) Denial Letter

Denial of Recertification Application to Participate in Federal Student Financial Assitance Programs

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Recommendations on False Certification (Ability-to-Benefit) Discharge Policies and Regulations

Memorandum to Biden Transition Team and Dep't of Education (Dec. 9, 2020)

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Sample Privacy Act Request to Dep't of Treasury (Aug. 23, 2022)

Re: Tax refund intercepts

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Sample FOIA Request to Dep't of Education re ITT Tech (Dec. 17, 2018)

Re ITT Technical Institute closure date

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Sample FOIA Request re Florida Career College, UEI College, and UEI Campuses Outside California (Mar. 3, 2022)

Re false certification discharge based on ATB

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FOIA Request Re United Education Institute (Dec. 2, 2021)

Re false certification discharge based on ATB

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Sample FOIA Request Re National Business Academy (Dec. 16, 2021)

Re unpaid refund discharge

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Sample FOIA Request Re United Education Institute (Apr. 9, 2020)

Re ATB, HS diploma fraud, false certification