; (2) after reviewing any public comments provided under paragraph (1), conduct the study and publish the results of the study in the Federal Register; (3) use the results of the study conducted under paragraph (1) to develop procedures for determining family size for the automatic recertification of income for an income-driven repayment plan in a manner that minimizes burdens and unintended harm to borrowers; (4) publish the procedures developed under paragraph (3) in the Federal Register; and (5) after a notice and comment period on such procedures, use such comments to finalize the procedures. (b) Specifications The study conducted under subsection (a) shall— (1) be completed, with the results published pursuant to subsection (a)(2), not later than 3 years after the date of enactment of this Act; (2) determine how closely personal exemptions, filing status, or child tax credits match the family size that borrowers report on their income-driven repayment plan request form; (3) compare the borrower's actual monthly payment amount with the monthly payment amount borrowers would have using family size information derived from tax returns; (4) include data from tax year 2018 or later tax years; and (5) use data from more than one year, where possible, to analyze how much family size changes over time. (c) Definition The term income-driven repayment plan has the meaning given the term in section 6103(l)(13)(F) of the Internal Revenue Code of 1986, as amended by section 106. II Ending interest capitalization and origination fees 201. Ending interest capitalization for Federal Direct Loans (a) In general Section 455 ( 20 U.S.C. 1087e ) is amended— (1) in subsection (b)— (A) in the subsection heading, by inserting and Practices after Rate