efc technology conference gov’t e-commerce initiatives and e-sign status charlie coleman fsa /...

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…


E-Gov Initiatives

Original Release Date 10/25/01, Status As of 12/02


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


How Might This Affect You…

August, 2002


eLoan Opportunities

1. eLoans Gateway

2. B2G Lender Reporting Improvements

3. Electronic Lender Payments to Agencies (pay.gov)

4. Sharing Lender / Citizen Data


eLoans Gateway

Lead Agency: ED, Lynda Folwick, 202-377-3514


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


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


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


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


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…


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.


Direct Loan E-Sign Processhttps://lo-online.ed.gov/empn/unsecure/index.jsp


DL eMPN Transaction History


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


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


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


Other E-Sign Business

• FAFSA• Perkins• Direct Loan eServicing

– Electronic Bill Presentment and Payment (BPP)

– Electronic Correspondence– Electronic Debit Account (EDA)– Deferments – Forbearances


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


Future…???

• STAN II

• Future E-Sign Uses

• eGov / E-Authentication


…that’s all folks!

Charlie Coleman202 377-3512

[email protected]

efc technology conference gov’t e-commerce initiatives and e-sign status charlie coleman fsa /...

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