利益冲突 and 行为准则

Listed below is the code of conduct policy for financial aid professionals.

• 目的

  • 这项政策的目的是禁止在涉及学生经济援助的情况下的利益冲突，并为负责学生经济援助的员工建立行为标准.

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• 适用性
  
  • 本政策适用于在学生经济援助办公室工作的所有员工，以及与教育贷款或其他形式的学生经济援助有关的所有其他大学员工.
  • 负责教育贷款或其他学生经济援助的大学代理也应遵守本政策的条款.

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• 定义
  
  • 利益冲突:当雇员的经济利益或其他个人利益的机会可能妥协时，就存在利益冲突, or reasonable appear to compromise, 员工在澳门合法赌场官网履行职责时的独立判断能力.
  • 礼物:任何小费, 忙, 折扣, 娱乐, 热情好客, 贷款, or other item having a monetary value of more than a de minimus amount. The term includes a gift of services, 运输, 住宿, 或者吃饭, 是否以实物提供, 通过购买门票, 预付款, or reimbursement after the expense has been incurred. The term "gift" does not include any of the following:
    
    • 标准材料, 活动, or programs on issues related to 贷款 default aversion, 默认的预防, 或者金融知识, 比如宣传册, 一个车间, 或培训.
    • 提供给澳门合法赌场官网的培训或信息材料，作为旨在改善贷款人服务的培训课程的组成部分, 担保人, or 服务机构 of educational 贷款s to the University, if such training contributes to the professional development of the University's employees.
    • 有利的条件, 条件, 及向大学聘用的学生或学生的父母雇员(如有)提供的教育贷款的借款人福利, 条件, 或福利与提供给大学所有学生的福利相当，而不是因为学生或家长在大学工作而提供的福利.
    • 为借款人提供入学和离校咨询服务，以履行联邦法律规定的大学入学和离校咨询的责任, so long as the ISU employees are in control of the counseling, and such counseling does not promote the products or services of any specific lender.
    • Philanthropic contributions to an institution from a lender, 服务机构, (三)与教育贷款无关的教育贷款担保人或者出借人的出资, 担保人, or 服务机构 that is not made in exchange for any advantage related to education 贷款s.
    • State education grants, scholarships, or financial aid funds administered by or on behalf of a State.
  • 机会池贷款:由贷款人向在大学就读的学生或该学生的家庭成员提供的私人教育贷款，需要付款, 直接, 或间接地, by the University of points, 保费, 额外的利益, 或向贷款人提供经济支持，以便贷款人向学生或家庭提供信贷.
  • Revenue-sharing arrangement: An arrangement between the University and a lender under which (a) a lender provides or issues a 贷款 to students attending the University and a lender or to their families; and (b) the University recommends the lender or the 贷款 products of the lender and in exchange, the lender pays a fee or provides other materials, 好处, including revenue or profit sharing, to the University or its employees.

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• Institutional Policy Regarding Education Loans and Student 金融援助
  
  • Revenue Sharing Arrangements
    • 澳门合法赌场官网 will not enter into any revenue-sharing arrangements with any lender.
  • 与借款人互动
    
    • When participating in the Federal Family Education Loan Program (FFELP), the University will not assign a first-time borrower's federal 贷款, through award packaging or other methods, 给一个特定的贷款人. Indiana State will not refuse to certify, 或者延迟认证, any federal 贷款 based on the borrower's selection or a particular lender or guaranty agency.
    • When participating in the Federal Direct Loan Program, Indiana State will assign a first-time borrower's federal 贷款 to the Federal Government as the lender.
    • 在任何情况下，大学都不会将学生的私人学生贷款分配给特定的贷款人, or refuse to certify 或者延迟认证 any private 贷款, based upon the borrower's selection of lender or guaranty agency.
  • 私人贷款
    
    • 澳门合法赌场官网不会要求或接受任何贷款人提供的用于私人教育贷款的资金,2 including funds for an opportunity pool 贷款, to students in exchange for the University providing concession or promises regarding providing the lender with (i) a specified number of federal 贷款s; (ii) a specified federal 贷款 volume; or (iii) a preferred lender arrangement for federal 贷款s.
    • As defined in the federal Truth In Lending Act, 15 USCA § 1631 et seq. 3
  • 联合品牌
    
    • Indiana State will not permit a private educational lender3to use the University's name, 会徽, 吉祥物, logo, 或者换句话说, 图片, 或与大学有关的符号，以暗示贷款人对私人教育贷款的认可.
    • As defined in the federal Truth In Lending Act, 15 USCA § 1631 et seq. 3
    • For the purposes of this policy, a "relative" is defined as an individual with whom an employee has a relationship by blood, 婚姻, 采用, 国内合作伙伴, or other personal relationships in which objectivity might be impaired.
  • 人员协助
    
    • 大学不会要求或接受任何贷款人在呼叫中心人员配置或财务援助办公室人员配置方面的任何帮助. 这部分没有内容, however prevents the University from accepting assistance from a lender related to (i) professional development training for its staff; (ii) providing educational counseling materials, financial literacy materials, or debt management materials to borrowers, provided that such materials disclose to borrowers the identification of any lender that assisted in preparing or providing such materials; or (iii) staffing services on a short-term non-recurring basis to assist the University with financial aid-related functions during emergencies, including State-declared or federally declared natural disasters, federally declared national disasters, and other localized disasters and emergencies identified by the Secretary of Education.

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• 行为准则
  
  • 利益冲突
    • 任何员工都不得在其负责的任何教育贷款或其他学生经济援助方面存在利益冲突
    • 任何雇员不得处理与他/她本人或亲属的经济援助资格有关的任何交易.
  • 礼物
    
    • No employee may accept any gift from a lender, 担保人, or 服务机构 of education 贷款s. 如果送给员工的礼物是在员工知情和默许的情况下赠送的，并且员工有理由相信该礼物是由于员工在大学的职位而赠送的，则该礼物应被视为送给员工的礼物.
    • Token awards from professional associations (state, 区域, or national) which recognize professional milestones or extraordinary service to parents and students, or scholarships for conference attendance or other professional development opportunities, 可以接受.
  • Prohibited Contracting Agreements
    
    • No employee shall accept from any lender or affiliate of any lender any fee, 付款, 或其他经济利益(包括购买股票的机会)，作为向贷款人或代表贷款人提供与教育贷款有关的任何类型的咨询或其他服务合同的补偿.
  • 顾问委员会薪酬
    
    • No employee who serves on an advisory board, 委员会, or group established by a lender, 担保人, or group of lenders or 担保人s may receive anything of value from the lender, 担保人, or group of lenders or 担保人s in return for that service.
  • 发还开支
    
    • Expenses incurred while attending professional association meetings, 会议, or in connection with service on an advisory board, 委员会, or group described in Section V.D. of this policy must be paid by the University. Entertainment expenses such as concert or sports tickets or greens fees may not be accepted. 员工应根据学校政策亲自支付这些费用或向ISU申请报销.
  • 餐
    
    • 员工 may occasionally need to share meals with employees of lenders, 担保机构, 印第安纳州, or other colleges or universities in the course of business. 餐 offered as part of meetings, 会议, 如果为会议或活动的所有参与者提供膳食，或者膳食已作为注册费的一部分包含，则可以接受其他活动.

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• 违反政策
  
  • Violations of this Policy may result in disciplinary action, up to, and including dismissal.

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• 历史
  
  • This policy was created in April, 2009, in order to comply with HEOA Act of 2008.