; (2) loans made or purchased under part D; and (3) loans referred, transferred, or assigned to the Secretary under part E. . 4631. Removal of record of default Part G of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1088 et seq.), as amended by the preceding sections, is further amended by adding at the end the following: 493G. Removal of record of default Upon repaying in full the amount due on a defaulted loan made, insured, or guaranteed under this title, the Secretary, guaranty agency, or other holder of the loan shall request any consumer reporting agency to which the Secretary, guaranty agency or holder, as applicable, reported the default of the loan, to remove any adverse item of information relating to a delinquent or defaulted loan made, insured, or guaranteed under this title from the borrower’s credit history. . 4632. Amendments to terms and conditions of borrower defenses (a) In general Part G of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1088 et seq.), as amended by the preceding sections, is further amended by adding at the end the following: 493H. Borrower defenses (a) In general Notwithstanding any other provision of State or Federal law, a defense to repayment of a loan under this title includes— (1) a substantial misrepresentation; (2) an act or omission that would give rise to a cause of action against an institution of higher education under applicable State law, to the extent that such act or omission relates to— (A) a loan received by a borrower under this title; or (B) educational services for which such a loan was received