; or (2) the consumer or an individual acting on behalf of or as a personal representative of the consumer or a class of consumers has submitted a valid defense to repayment claim with respect to such loan, as determined by the Secretary of Education. . (b) Table of contents amendment The table of contents of the Fair Credit Reporting Act is amended by inserting after the item relating to section 605C (as added by section 404) the following new item: 605D. Private education loan credit restoration for defrauded student borrowers who attend certain proprietary educational institution or career education programs. . 406. Establishes right for victims of financial abuse to have adverse information associated with an abuser’s fraudulent activity removed from their consumer reports (a) In general The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq.), as amended by section 301, is further amended by inserting after section 605E the following new section: 605F. Financial abuse prevention For a consumer who is the victim of intentionally abusive or harmful financial behavior, as determined by a court of competent jurisdiction including a family court, juvenile court, or other court with personal jurisdiction, that was conducted by a spouse, family or household member, caregiver, or person with whom such consumer had a dating relationship in a manner which resulted in the inclusion of an adverse item of information on the consumer report of the consumer, and the consumer did not participate in or consent to such behavior, the consumer may apply to a court of competent jurisdiction, including a family court, juvenile court, or other court with personal jurisdiction, for an order to require the removal of such adverse information from the consumer’s file maintained by any consumer reporting agency. . (b) Table of contents amendment The table of contents of the Fair Credit Reporting Act is amended by inserting after the item relating to section 605E (as added by section 301) the following new item: 605F. Financial abuse