“The Dodd-Frank Wall Street Reform and Consumer Protection Act requires the Director of the Consumer Financial Protection Bureau and the Secretary of Education to submit a Report on private student loans. This Report addresses the following topics, as set forth in the Act:

• The private lenders, their market and their products, as they have evolved and performed over time,
• The consumers of these products, their characteristics, and shopping, usage and repayment behaviors,
• Consumer protections, including recent changes and possible gaps,
• Fair lending compliance information currently available and its implications, and
• Statutory or legislative recommendations to improve consumer protections.