The Higher Education Opportunity Act (HEOA) of 2008 requires that an institution participating in a Federal Title IV 贷款 program must develop, 发布, 管理, 并执行行为准则.
亚虎 has adopted the following code of conduct, 哪些适用于军官, 员工, and agents of the institution and is inclusive of the following:
- A ban on revenue-sharing arrangements with any lender.
The HEOA defines “revenue-sharing arrangement” as any arrangement between an institution and a lender under which the lender makes Title IV 贷款s to students attending the institution (or to the families of those students), the institution recommends the lender or the 贷款 products of the lender and, 作为交换, the lender pays a fee or provides other material benefits, 包括收入或利润分成, 对机构或其官员, 员工, 或代理商;
- A ban on 员工 of the 亚虎 金融援助 Office receiving gifts from a lender, 担保机构或贷款服务机构.
No officer or employee of the 亚虎 金融援助 Office (or an employee or agent who otherwise has responsibilities with respect to educational 贷款s) may solicit or accept any gift from a lender, 担保人, 或教育贷款服务商. “礼物”的定义是任何小费, 忙, 折扣, 娱乐, 热情好客, 贷款, or other item having monetary value of more than a de minimus amount. 然而, a gift does not include (1) standard material, activities or programs on issues relating to a 贷款, 默认的厌恶, 或者金融知识, 比如宣传册, workshop or 培训; (2) food, 点心, 培训, 或信息
material provided as part of a 培训 session designed to improve the service of a lender, 担保人, or servicer if the 培训 contributes to the professional development of the institution’s officer, employee or agent; (3) 忙able terms and benefits on an education 贷款 provided to a student employed by the institution if those terms and benefits are comparable to those provided to all students at the institution; (4) entrance and exit counseling services provided to borrowers as long as the institution’s staff are in control of the counseling and the counseling does not promote the services of a specific lender; (5) philanthropic contributions from a lender, 担保人, or servicer that are unrelated to education 贷款s or any contribution that is not made 作为交换 for any advantage related to education 贷款s, and; (6) State education grants,
scholarships, or financial aid funds 管理ed by or on behalf of a State;
- 禁止签订合同.
No officer or employee of 亚虎 who is employed in the 金融援助 Office (or an employee or agent who otherwise has responsibilities with respect to education 贷款s) may accept from a lender, 或任何贷方的附属机构, 任何费用, 付款, or other financial benefit as compensation for any type of consulting arrangement or contract to provide services to or on behalf of a lender relating to education 贷款s;
- A prohibition against steering borrowers to particular lenders or delaying 贷款 certifications.
任何首次借款者, 亚虎 does not assign, through the award packaging or other methods, the borrower’s 贷款 to a particular lender. 除了, 亚虎 will not refuse to certify, 或者延迟认证, of any 贷款 based on the borrower’s selection of a particular lender or guaranty agency;
- A prohibition on offers of funds for private 贷款s.
亚虎 will not request or accept from any lender any offer of funds for private 贷款s, including funds for an opportunity pool 贷款, to students 作为交换 for providing concessions or promises to the lender for a specific number of Title IV 贷款s made, 被保险人, 或担保, 指定的贷款额, 或者优先贷款人安排. An “opportunity pool 贷款” is defined as a private education 贷款 made by a lender to a student (or the student’s family) that involves a 付款 by the institution to the lender for extending credit to the student;
- 禁止人员协助.
亚虎 will not request or accept from any lender any assistance with call center staffing or financial aid office staffing. 然而, a lender may provide professional development 培训, educational counseling materials (as long as the materials identify the lender that assisted in preparing the materials), 或者短期招聘服务, nonrecurring basis during emergencies or disasters; and
- 禁止顾问委员会的薪酬.
An employee of the 亚虎 金融援助 Office (or employee who otherwise has responsibilities with respect to education 贷款s or financial aid) who serves on an advisory board, 委员会, 或组 established by a lender or 担保人 (or a group of lenders or 担保人s) is prohibited from receiving anything of value from the lender, 担保人, 或组, except for reimbursement for reasonable expenses incurred by the employee for serving on the board.