; and (B) a loan made, insured, or guaranteed under title IV of the Higher Education Act of 1965. ; and (2) in subsection (c)(2), by striking subsection (b) of this section and inserting subsection (b) or (f) of this section (including any regulations issued thereunder) . 4. Institutional certification (a) In general Section 128(e) of the Truth in Lending Act ( 15 U.S.C. 1638(e) ) is amended— (1) by striking paragraph (3) and inserting the following: (3) Private loan certification required (A) In general Except as provided in subparagraph (B), a private educational lender shall, before consummating any loan with respect to a student attending an institution of higher education, obtain, from the institution of higher education the student intends to attend, a private loan certification as described in subparagraph (E). (B) Exception A private educational lender may consummate a private education loan with respect to a student attending an institution of higher education without obtaining a private loan certification as required in subparagraph (A) if, in, before the end of the 15-day period following the date on which the private educational lender requests a certification from such institution, such institution does not— (i) notify the private educational lender of the refusal of the institution to provide such certification; or (ii) notify the private educational lender that more time will be needed to comply with the request for the private loan certification. (C) Private loan certification contents Any private loan certification provided by an institution of higher education pursuant to subparagraph (A) shall include— (i) the enrollment status of the student; (ii) the cost of attendance at the institution for the student as determined by the institution under part F of title IV of the Higher Education Act of 1965; and (iii) the difference between— (I) such cost of attendance