DE HB351

I cannot provide a summary for HB351 based on the full text provided. The document you've shared contains the full text of House Bill No. 349 (relating to student loans), not House Bill No. 351 (relating to alcoholic liquors).

If you'd like a summary of HB 349, here it is:

• Establishes a Student Loan Ombudsman position within the Office of the State Bank Commissioner to assist Delaware student loan borrowers with complaints and questions.
• Ombudsman responsibilities include receiving and resolving complaints, compiling complaint data, assisting borrowers in understanding their rights, and monitoring federal, state, and local student loan policies.
• Requires the Ombudsman to establish a student loan borrower education course by March 31, 2017 covering loan terms, documentation, payment obligations, income-based repayment options, loan forgiveness, and disclosure requirements.
• Mandates annual reports to the General Assembly standing committees on banking beginning January 1, 2018, covering implementation, effectiveness, and recommendations for further borrower protections.
• Student loan borrower complaints are exempted from public records disclosure under Delaware law.
• Effective date: January 1, 2017.

If you have the correct full text for HB 351, please provide it and I can summarize that bill instead.