; (D) the term Director means the Director of the Bureau; and (E) the term Secretary means the Secretary of Education. ; (x) in paragraph (15), as redesignated by clause (v), by striking paragraph (5) and inserting paragraph (9) ; and (xi) by adding at the end the following: (16) Student loan borrower bill of rights (A) Definitions In this paragraph: (i) Borrower The term borrower means the person to whom a postsecondary education loan is extended. (ii) Charge off The term charge off means charge to profit and loss, or subject to any similar action. (iii) Qualified written request (I) In general The term qualified written request means a written correspondence of a borrower (other than notice on a payment medium supplied by the postsecondary educational lender or servicer) transmitted by mail, facsimile, or electronically through an email address or website designated by the postsecondary educational lender or servicer to receive communications from borrowers that— (aa) includes, or otherwise enables the postsecondary educational lender or servicer to identify, the name and account of the borrower; and (bb) includes, to the extent applicable— (AA) sufficient detail regarding the information sought by the borrower