{"data":{"id":"us-dc/d.c.-code-31-106.02a","jurisdiction":"us-dc","citation":"D.C. Code § 31-106.02a","heading":"Prohibited conduct – student loan servicers.","body":"(a)\nNo student loan servicer shall:\n(1)\nDirectly or indirectly employ any scheme, device, or artifice to defraud a student loan borrower;\n(2)\nDirectly or indirectly employ any scheme, device, or artifice to mislead a student loan borrower;\n(3)\nEngage in any unfair or deceptive practice toward any person or misrepresent or omit any material information in connection with the servicing of a student education loan, including an abusive act and practice;\n(4)\nObtain property by fraud;\n(5)\nObtain property by misrepresentation;\n(6)\nMisapply student education loan payments to the outstanding balance of a student education loan;\n(7)\nProvide inaccurate information to a credit bureau, harming a student loan borrower's creditworthiness;\n(8)\nFail to report both the favorable and unfavorable payment history of the student loan borrower to a nationally recognized consumer credit bureau at least annually if the student loan servicer regularly reports information to a credit bureau;\n(9)\nRefuse to communicate with an authorized representative of the student loan borrower who provides a written authorization signed by the student loan borrower; except, that the student loan servicer may adopt procedures reasonably related to verifying that the representative is authorized to act on behalf of the student loan borrower;\n(10)\nMake a false statement or make an omission of a material fact in connection with any information or report filed with a governmental agency or in connection with any investigation conducted by the Commissioner or another governmental agency;\n(11)\nFail to respond within 15 business days to a communication from the Department, or the Office of the Attorney General, or within such shorter reasonable period of time as may be requested by the Department or the Attorney General; or\n(12)\n(A)\nFail to respond within 15 business days to a consumer complaint submitted to the student loan servicer by the Department or the Office of the Attorney General.\n(B)\nA student loan servicer may request additional time to respond to the complaint, up to a maximum of 45 business days, provided that the request is accompanied by an explanation as to why additional time is reasonable and necessary.","path":["Title 31. Insurance and Securities.","Chapter 1. Department of Insurance, Securities, and Banking.","Subchapter I. Establishment of the Department of Insurance, Securities, and Banking."],"source_url":"https://code.dccouncil.gov/us/dc/council/code/sections/31-106.02a","current_through":"2026-08-20 (D.C. Law 26-175)","vintage":"","retrieved_at":"2026-08-29T05:44:07Z","sha256":"159e99a035d9d9d9e978e0e809245d6848cfa62f46b331de97096b32ebbfbc62","source_id":"us-dc","stale":false,"prev":"us-dc/d.c.-code-31-106.02","next":"us-dc/d.c.-code-31-106.02b"},"notice":"GroundRules: Original legal text. Not legal advice."}