; model disclosure forms. Sec. 104. Truth in Lending Act. Sec. 105. Consent to continuing release of taxpayer information under income share agreement. Title II—Treatment of Income-Share Agreements Under State Law Sec. 201. Lawfulness of contracts; preemption of State law. Sec. 202. Preemption of State law with respect to usury. Sec. 203. Preemption pre-existing State laws with respect to ability-to-repay and licensing laws. Title III—Qualified Education Loan Sec. 301. Qualified education loan. Title IV—Federal Individual Assistance Treatment of Income-Share Agreements Sec. 401. Proceeds not treated as income in calculation of financial need under the Higher Education Act of 1965. Title V—Treatment Under Securities Laws Sec. 501. Income-share agreements not treated as securities. Sec. 502. Businesses making income-share agreements excluded from investment company treatment. Title VI—Treatment under Federal consumer finance laws Sec. 601. Income-share agreement anti-discrimination protections. Sec. 602. Prohibition on requiring preauthorized electronic fund transfers. Sec. 603. Treatment under the Fair Credit Reporting Act. Sec. 604. Application of the Military Lending Act. Sec. 605. Application of the Servicemembers Civil Relief Act. Sec. 606. Rulemaking. Title VII—Treatment under other laws Sec. 701. Insurance and wagering. Sec. 702. Payments not considered prepayments. 2. Definitions For purposes of this Act: (1) Comparable loan The term comparable loan means, with respect to an income-share agreement, a loan that— (A) has an original principal amount such that, after any origination fees on the loan are paid, the amount of loan financing received by the individual is equal to the total amount of funding provided under the income-share agreement to or on behalf of the individual subject to the agreement; (B) has the same term to maturity as the duration of the income-share agreement