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EFC Technology Conference
Gov’t E-Commerce Initiatives and E-Sign Status
Charlie ColemanFSA / Education
May 5, 2003
Gov’t E-Commerce InitiativeseLoans
E-Authentication
E-Sign Status
Q & A’s … ???
Today’s Outline…
EFC Technology Conference
E-Gov Initiatives
Original Release Date 10/25/01, Status As of 12/02
EFC Technology Conference
E-Gov’t Act of 2002
• “…Put Legislative Teeth Into [President Bush’s] Goals…for More Internet-friendly Government Services.” – Paul Festa, CNET News
• Established an OMB / Office of Information, Run by a Federal CIO
• Established a CIO Council to Improve Interagency Information Sharing Around Required Standards
• “We want to get to a point where e-government means government, and there’s no distinction” – Harris Miller, President, Information Technology Association of America
Became Public Law 12/17/02
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How Might This Affect You…
August, 2002
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eLoan Opportunities
1. eLoans Gateway
2. B2G Lender Reporting Improvements
3. Electronic Lender Payments to Agencies (pay.gov)
4. Sharing Lender / Citizen Data
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eLoans Gateway
Lead Agency: ED, Lynda Folwick, 202-377-3514
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B2G Lender Reporting Improvements
Sharing best practices to enhance current lender reporting processes.
(1) Loan Guarantee Application (2) Portfolio Status Reporting
Current Status Primarily a paper-based process. VA offers EDI capability, but only 14% of lenders participate. SBA drafted standards and negotiated agreements with lenders/software vendors for XML data library. HUD has plans to automate. ED does not process/issue guarantees.
A mix of paper-based and electronic. USDA, SBA and HUD receive loan level reporting. ED receives summary level data initially with loan level data submitted later through guarantee agencies. VA does not require regular reporting.
Interested Agencies
USDA, SBA, VA, HUD USDA, SBA, VA, HUD, ED
Approach • Share best practices for improving lender data collections• Explore opportunities to coordinate and automate lender reporting
around common technologies and processes.• Explore opportunities to develop common data definitions
Lead Agency SBA, Steve Kucharski, 202-205-7551
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Electronic Lender Payments
Exploring coordination of and sharing best practices for electronic collection of lender payments to agencies.
Current Status: • Agencies use a variety of methods to collect payments from lenders (e.g.,
VA uses pay.gov). Possible payments considered under this best practice include guarantee fees (VA, USDA, SBA) and loan consolidation rebate fees, overpayments, etc (ED).
Interested Agencies: ED, HUD, SBA, USDA, VA
Approach: • Explore opportunities to coordinate implementation of electronic processes
and systems (such as pay.gov) to automate/simplify the collection of lender payments
Lead Agency: VA, Bill White, 202-273-7372
EFC Technology Conference
Sharing Lender / Citizen Data
Sharing citizen default data and lender performance data
Current Status: • Citizen data – HUD developed CAIVRS for the purpose of tracking and
reporting borrower government credit history. All agencies use CAIVRS in some capacity in their loan programs.
• Lender data – HUD’s FHA has an automated process to notify VA and USDA when a lender loses program eligibility so that other agencies can determine if similar action is warranted.
Interested Agencies: All Agencies
Approach: • Maximize effective use of CAIVRS, (i.e., reporting defaults and using
CAIVRS to identify at-risk loans in an agency’s portfolio)• Enable online access to CAIVRS • Explore opportunities to automate the sharing of lender performance
information across agencies.
Lead Agency: HUD, Kathy Picot, 202-708-0614 ext. 2290
EFC Technology Conference
E-Authentication
E-Authentication Objective:To allow the public to obtain electronic government services with a credential (based on OMB’s 4 assurance levels) across government agencies.
Participating Agencies (14):
• GSA• DoC• DoD• DoED
• NASA• HHS• SSA• Treasury
• USDA• HUD• DoL
• VA• EPA• State
EFC Technology Conference
Possible E-Authentication Pilot
Possible Pilot w/ Student Aid:Test the benefits of the E-Authentication Gateway using
the FSA PIN to obtain Title IV and HHS Title VII and VIII nursing and health professions loans.
Participants: ED, HHS, GSA, SSA, OMB…and a few schools,
lenders, and students
Lead Agency: ED, Neil Sattler, 202-377-3513
E-Sign Status
Now…Let’s Go To…
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E-Sign Laws / Standards
UETA – Uniform Electronic Transactions Act (1999)
GPEA – Government Paperwork Elimination Act (10/98)
E-Sign – Electronic Signatures in Commerce (6/00)
ED Loan Standards (04/01)
FUTURE STANDARDS…?Non-Loan Transactions
Etc.
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Direct Loan E-Sign Processhttps://lo-online.ed.gov/empn/unsecure/index.jsp
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DL eMPN Transaction History
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STAN Hits
As of 04/30/03
Monthly FFEL and DL Volumes
0
20,000
40,000
60,000
80,000
100,000
120,000
140,000
160,000
Month
Vo
lum
e
DL Consol
DL Orig
FFEL
Total STAN Hits 1,417,416
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Top STAN Clients
Guaranty Agencies
• AIU Online
• Educaid
• Great Lakes Higher Education
• Kentucky Higher Education
• NYS HESC
• PHEAA
• University Accounting Service
Banks
• Bank of America
• Student Loan Corp (Citibank)
• Wells Fargo
FSA
• Direct Loan Origination
• Direct Loan Consolidation
EFC Member / Affiliate
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0
20000
40000
60000
80000
100000
120000
140000
160000
Jul-01
Aug-01
Sep-01
Oct-01
Nov-01
Dec-01
Jan-02
Feb-02
Mar-02
Apr-02
May-02
Jun-02
Jul-02
Aug-02
Sep-02
Oct-02
Nov-02
Dec-02
Jan-03
Feb-03
Mar-03
Apr-03
Electronic
Paper
DL Paper vs. E-MPNs
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Other E-Sign Business
• FAFSA• Perkins• Direct Loan eServicing
– Electronic Bill Presentment and Payment (BPP)
– Electronic Correspondence– Electronic Debit Account (EDA)– Deferments – Forbearances
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Perkins E-Note
Overview: In July of 2002, FSA worked with COHEAO to provide HTML and PDF versions of the Perkins Loan promissory notes.
Early Notes Notes % Technology Adopters Signed E-Signed
Penn State 4,991 4,059 81% ColdFusion 5.0, (Since 7/02) running on
Windows 4.0 and IIS 1.1servers
U of Minnesota 3,054 2,210 72% Java 1.1.8 with an (Since 8/02) Oracle back end
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Future…???
• STAN II
• Future E-Sign Uses
• eGov / E-Authentication