Pauses the Secretary’s authority to garnish wages until the Secretary certifies that certain borrower protections and employer verification systems are in place (or determines garnishment will not apply). The certification cannot occur earlier than one year after enactment and requires fast refunds for improper garnishments, the Secretary’s ability to stop garnishment, and employer verification of garnishment data. If certified, a centralized garnishment database must be created, the Secretary must report to Congress, employers can face liability, wrongfully garnished borrowers receive double damages, and loans subject to garnishment are limited to a 10-year period.