II 116th CONGRESS 1st Session S. 2184 IN THE SENATE OF THE UNITED STATES July 18, 2019 Mr. Durbin (for himself, Mr. Reed , Mr. Brown , Mr. Cardin , Ms. Baldwin , and Ms. Smith ) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs A BILL To amend the Truth in Lending Act and the Higher Education Act of 1965 to require certain creditors to obtain certifications from institutions of higher education, and for other purposes.