II 115th CONGRESS 2d Session S. 3205 IN THE SENATE OF THE UNITED STATES July 12, 2018 Mr. Durbin (for himself, Ms. Smith , Mr. Reed , Ms. Baldwin , Mr. Brown , and Mr. Cardin ) introduced the following bill; which was read twice and referred to the Committee on Health, Education, Labor, and Pensions A BILL To amend the Truth in Lending Act and the Higher Education Act of 1965 to require certain creditors to obtain certifications from institutions of higher education, and for other purposes.