; (B) on or after March 1, 2020, entered repayment for the first time; (C) on or after March 1, 2020, was in default; (D) during the 2-year period preceding March 1, 2020, missed a payment or payments for a period of not less than 60 days; (E) submitted an application for one-time student debt cancellation (as described by the Department of Education in the Federal Register on October 12, 2022 (87 Fed. Reg. 61513 et seq.)); or (F) received a refund from the Department of Education for any payment made during the period beginning on March 1, 2020, and ending on August 31, 2023, that, pursuant to a waiver or modification described by the Department of Education in the Federal Register on October 12, 2022 (87 Fed. Reg. 61513 et seq.), was not required. (b) Federal preemption Section 456 ( 20 U.S.C. 1087f ) is amended by adding at the end the following: (c) Federal Preemption (1) In general Covered activities shall not be subject to any law or other requirement of any State or political subdivision of a State with respect to— (A) disclosure requirements; (B) requirements or restrictions on the content, time, quantity, or frequency of communications with borrowers, endorsers, or references with respect to such loans; or (C) any other requirement relating to the servicing or collection of a loan made under this title. (2) Covered activities defined In this subsection, the term covered activities means any of the following activities, as carried out by a qualified entity: (A) Origination of a loan made under this title. (B) Servicing of a loan made under this title. (C) Collection of a loan made under this title. (D) Any other activity related to the activities described in subparagraphs (A) through (C). . (c) Procurement flexibility Section 142 ( 20 U.S.C. 1018a ) is amended— (1) by redesignating subsection (l) as subsection (m)