; and (5) work to ensure the Bureau and the Department understand the respective reporting categories and definitions of each agency and how such categories and definition relate to each other for comparison. (b) Sharing of information (1) Bureau access to Department databases For the purpose of the Bureau’s congressional reporting, research, market analysis, complaint resolution, enforcement, supervision, financial education, engagement, and rulemaking needs, the Secretary shall work with the Bureau to provide the Bureau with access to Department databases, as applicable. (2) Consumer complaints (A) Bureau access to Department consumer complaints The Director may request and obtain information from the Secretary concerning consumer complaints and other information pertaining to specific entities or classes of entities that are relevant to the exercise of the Bureau’s supervisory, enforcement, or regulatory functions. (B) Sharing of student loan borrower complaints (i) In general The Director and the Secretary shall transfer each complaint received by their agency from student loan borrowers to the other agency. (ii) Deadline for sharing certain complaints With respect to a complaint received by the Bureau related to the origination, disbursement, or servicing of a title IV loan or a complaint received by the Department related to a private education loan, the applicable agency shall direct the complaint to the other agency within 10 days of receipt of the complaint. (C) Addressing complaints related to defaulted title IV loans The Director and the Secretary shall establish an efficient collaborative process to address complaints received by the Bureau about private collection agency actions related to defaulted title IV loans. (D) Standards for the format and sharing of complaint data (i) Format In providing complaint data described under this paragraph, the Director and the Secretary shall provide the complaint data in a secure, digital format. (ii) Process The Director and the Secretary shall establish an