; and (ii) the results of the consumer testing under subparagraph (B). (D) Issuance, use, updates (i) Issuance Not later than 1 year after the date of enactment of the Student Aid Improvement Act of 2019 , the Secretary shall publish in the Federal Register and make publicly available the final established names, definitions, summaries, terms, and conditions, as described in subparagraph (A) and contained in the report under subparagraph (C). (ii) Use by institutions As soon as practicable, and not later than for the 2022–2023 award year, each eligible institution shall use the final established names, definitions, summaries, and terms and conditions, as published in accordance with clause (i), for any communication that is required under this subsection. (iii) Use by the department As soon as practicable, the Department of Education shall use the final established names, definitions, summaries, terms, and conditions, as published in accordance with clause (i), for any communication regarding programs under this title. (iv) Updates The Secretary shall— (I) issue updates to the items listed in subparagraph (A) as necessary and appropriate; (II) issue such updates in a manner that is consistent with and sensitive to established institutional financial aid processes; (III) issue significant updates only after conducting additional consumer testing in accordance with subparagraph (B); and (IV) publish any such updates in the Federal Register and make them publicly available. . 9. Creating fairness in loan repayment Section 455(d) ( 20 U.S.C. 1087e(d) ) is amended— (1) by redesignating paragraphs (2) through (5) as paragraphs (3) through (6), respectively; (2) in paragraph (4), as redesignated by paragraph (1), by striking paragraph (2) and inserting paragraph (3)