1. Short title This Act may be cited as the Relief for Defrauded Students Act of 2019 . 2. Amendments to terms and conditions of borrower defenses Section 455(h) of the Higher Education Act of 1965 ( 20 U.S.C. 1087e(h) ) is amended to read as follows: (h) Borrower defenses (1) In general Notwithstanding any other provision of State or Federal law, a defense to repayment of a loan under this part shall include— (A) a substantial misrepresentation under by an institution of higher education described in section 487(c)(3); (B) an act or omission of an institution of higher education that would give rise to a cause of action against such institution of higher education under applicable State law; or (C) any other act or omission by an institution of higher education that the Secretary specifies in the regulations under paragraph (3). (2) Procedures (A) In general The Secretary shall, for each borrower who submits to the Secretary an application asserting a defense to repayment of a loan made under this part— (i) provide an expeditious and fair process to consider such application (without regard to whether the application is submitted by an individual borrower, a group of borrowers, or a representative of such individual or group)