; (III) fail to take reasonable steps to avail the borrower of all possible alternative repayment arrangements to avoid default; (IV) fail to perform the obligations required under title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1070 et seq. ); (V) fail to respond within 10 business days to a request from a borrower to provide the name, address, and other relevant contact information of the loan holder of the borrower’s postsecondary education loan or, for a Federal Direct Loan or a Federal Perkins Loan, the Secretary of Education, or the institution of higher education who made the loan, respectively; (VI) fail to comply with any applicable requirement of the Servicemembers Civil Relief Act ( 50 U.S.C. 3901 et seq. ); (VII) charge a convenience, processing, or any other fee for payments made electronically or by telephone; (VIII) fail to comply with any other obligation that the Bureau, by regulation, has determined to be appropriate to carry out the consumer protection purposes of this paragraph; (IX) fail to perform other standard servicing duties and functions