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S. 256 - the Federal Bankruptcy Abuse Prevention and Consumer Protection Act of 2005

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  • S. 256 (2005)
  • Amends U.S. Code, Title 28-Bankruptcy
  • PDF Format eBook (Fully searchable)
  • Report: 781 pages
  • 250 Exhibits: 24,596 pages (includes all documents from the 106th - 109th Congresses)
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Hard Copy Report

  • S. 256 (2005)
  • Amends U.S. Code, Title 28-Bankruptcy
  • Report: 781 pages
  • Exhibits CD includes all documents from the 106th - 109th Congresses in PDF format (250 Exhibits-24,596 pages)
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Abstract

The Bankruptcy Abuse Prevention and Consumer Protection Act was first filed in the 104th Congress in 1995 by Sen. Kohl. During the 105th, 107th, and 108th Congresses, the House and the Senate passed bankruptcy legislation but were unable to resolve their differences. During the 106th Congress, legislation was filed and finally enacted, but President Clinton pocket vetoed the bill. Finally in 2005, the 109th Congress passed S. 256, and President Bush signed it into law on April 20, 2005.

This report follows the Bankruptcy Abuse Prevention and Consumer Protection Act from its initial filing through final passage. It includes the congressional discussions on the bill in a summarized form from 1995 to 2004. The 2005 deliberations are fully reproduced in the body of this report. Copies of all of the bills, reports, Congressional Record excerpts, Congressional Research Service summaries, Congressional Budget Office cost estimates, and other congressional documents are included on the Exhibits CD. A copy of this report in a fully searchable PDF is also included on the CD.

Upon the bill's signing by President Bush on April 20, the bill sponsor, Sen. Grassley, issued the following statement which reviewed the bill's history and summarized its provisions:

  • Comprehensive bankruptcy reform legislation championed by Sen. Chuck Grassley was signed into law today. Grassley first began investigating possible reform to the bankruptcy code in 1994 when he coauthored a law with the late Sen. Howell Heflin, of Alabama, that created the National Bankruptcy Review Commission.
  • "I’ve been working for years to make common sense reforms to the current bankruptcy system so that people who are responsible and pay their bills on time don’t have to subsidize the irresponsible actions of a few," Grassley said. "The President signing this bill into law is the product of many years of hard work."
  • The bankruptcy bill sets up a flexible means test to assess an individual's ability to repay their debts. The formula takes into account whether the filer earns more than the state median income and can repay at least $100 a month of their unsecured debt over five years. Legitimate expenses, such as food, shelter, clothing, medical, transportation, attorneys' fees and charitable contributions, are taken into account in this analysis.
  • The means test allows every consumer to show "special circumstances," so that they wouldn’t have to enter a repayment plan if they are in bankruptcy by no fault of their own. The means test also allows battered women to deduct domestic violence expenses and protects their privacy.
  • "The bankruptcy bill preserves a fresh start for people who are overwhelmed by medical debts, loss of a job, or sudden unforeseen emergencies. It also makes sure that the poor are protected by exempting entirely people who earn less than the median income for their state. The end result is that people who earn below the median income can still file under Chapter 7, but the free ride is over for people who have higher incomes and can repay their debts." Grassley said.
  • The bill also strengthens protections for child support and alimony payments by giving family support obligations a higher priority in bankruptcy. In the bill, parents and state child support enforcement collection agencies are given notice when a debtor who owes child support or alimony files for bankruptcy. It also requires bankruptcy trustees to notify child support creditors of their right to use state child support enforcement agencies to collect outstanding amounts due.
  • Grassley also included a provision to make a Chapter 12 a permanent section of the bankruptcy code. Chapter 12 is tailored to help farmers reorganize debt and stay in the business of farming.
  • Chapter 12 was first written to help family farmers survive the Great Depression. The law expired in the early 1950s. During the farm crisis in the mid-1980s, Grassley worked to bring back this safety net for family farmers facing economic collapse.
  • It addresses the unique risks associated with a family farming operation. Chapter 12 gives financially-strapped farmers a cushion to reorganize debt without the consent of creditors. And unlike Chapter 7, which is a form of liquidation under the bankruptcy code, a farmer seeking bankruptcy protection doesn't have to surrender the farm to creditors if he is able to make rental payments.
  • The bill would also expand family farmer eligibility for Chapter 12 bankruptcy protection and reduce the capital gains tax burden for farm assets sold as part of a reorganization plan. This would allow farmers to sell grain, livestock and other farm assets to generate cash flow which is essential to maintaining a farm operation.
  • The bill also requires credit card companies to disclose the dangers of making only minimum payments and prohibits deceptive advertising of low introductory rates. It strengthens enforcement and penalties against abusive creditors for predatory debt collection practices. And, it establishes new education and counseling programs to teach financial management and punishes IRS and other creditors who refuse to negotiate out-of-court repayment plans.

Exhibits

104th Congress (1995-1996)

S. 769

1. THOMAS Bill Summary & Status Record, S. 769, 104th Cong. (1995-1996)

2. S. 769, As Introduced, 104th Cong., 1st S. (1995)

3. CONGRESSIONAL RESEARCH SERVICE, Summary of S. 679, Bankruptcy Abuse Prevention Act of 1995 (Introduced)

105th Congress (1995-1996)

H.R. 2500

4. THOMAS Bill Summary & Status Record, H.R. 2500, 105th Cong. (1997-1998)

5. H.R. 2500, As Introduced, 105th Cong., 1st S. (1997)

6. CONGRESSIONAL RESEARCH SERVICE, Summary of H.R. 2500 (Introduced)

7. 144 Cong. Rec. H2994 (daily ed. May 7, 1998) (Bankruptcy Reform)

H.R. 3146

8. THOMAS Bill Summary & Status Record, H.R. 3146, 105th Cong. (1998)

9. H.R. 3146, As Introduced, 105th Cong., 1st S. (1998)

10. CONGRESSIONAL RESEARCH SERVICE, Summary of H.R. 3146 (Introduced)

S. 1301

11. THOMAS Bill Summary & Status Record, S. 1301, 105th Cong. (1998)

12. S. 1301, As Introduced, 105th Cong., 1st S. (1998)

13. S. 1301, Senate Reported, 105th Cong., 1st S. (1998)

14. CONGRESSIONAL RESEARCH SERVICE, Summary of S. 1301 (Introduced)

15. CONGRESSIONAL RESEARCH SERVICE, Summary of S. 1301 (Senate Reported)

16. CONGRESSIONAL BUDGET OFFICE, Cost Estimate, S. 1301, As Reported by the Senate Committee on the Judiciary (June 18, 1998)

17. CONGRESSIONAL BUDGET OFFICE, Private-Sector Mandates Statement, S. 1301, As Reported by the Senate Committee on the Judiciary (June 18, 1998)

18. S. Rep. No. 253, 105th Cong., 2nd Sess.

19. 144 Cong. Rec. S9917 (daily ed. September 3, 1998) (Unanimous Consent Request – S. 1301)

20. 144 Cong. Rec. S9951 (daily ed. September 8, 1998) (Consumer Bankruptcy Reform Act)

21. 144 Cong. Rec. S10090 (daily ed. September 9, 1998) (Consumer Bankruptcy Reform Act – Motion to Proceed)

22. 144 Cong. Rec. S10183 (daily ed. September 10, 1998) (Consumer Bankruptcy Reform Act of 1998)

23. 144 Cong. Rec. S10236 (daily ed. September 11, 1998) (Unanimous Consent Agreement – S. 1301)

24. 144 Cong. Rec. S10452 (daily ed. September 17, 1998) (Consumer Bankruptcy Reform Act of 1998)

25. 144 Cong. Rec. S10567 (daily ed. September 18, 1998) (Consumer Bankruptcy Reform Act of 1998)

26. 144 Cong. Rec. S10647 (daily ed. September 21, 1998) (Minimum Wage)

27. 144 Cong. Rec. S10673 (daily ed. September 22, 1998) (Consumer Bankruptcy Reform Act of 1998)

28. 144 Cong. Rec. S10739 (daily ed. September 23, 1998) (Consumer Bankruptcy Reform Act of 1998)

H.R.. 3150

29. THOMAS Bill Summary & Status Record, H.R. 3150, 105th Cong. (1998)

30. H.R. 3150, Introduced, 105th Cong., 1st S. (1998)

31. H.R. 3150, House Reported, 105th Cong., 1st S. (1998)

32. H.R. 3150, Engrossed, 105th Cong., 1st S. (1998)

33. H.R. 3150, Placed on Senate Calendar, 105th Cong., 1st S. (1998)

34. H.R. 3150, EAS, 105th Cong., 1st S. (1998)

35. CONGRESSIONAL RESEARCH SERVICE, Summary of H.R. 3150, 105th Cong. (Introduced)

36. CONGRESSIONAL RESEARCH SERVICE, Summary of H.R. 3150, 105th Cong. (House Reported)

37. CONGRESSIONAL RESEARCH SERVICE, Summary of H.R. 3150, 105th Cong. (Passed House)

38. CONGRESSIONAL RESEARCH SERVICE, Summary of H.R. 3150, 105th Cong. (Passed Senate)

39. CONGRESSIONAL RESEARCH SERVICE, Summary of H.R. 3150, 105th Cong. (Conference Report)

40. CONGRESSIONAL BUDGET OFFICE, Cost Estimate, H.R. 3150, As Reported by the House Committee on the Judiciary (June 5, 1998)

41. CONGRESSIONAL BUDGET OFFICE, Private-Sector Mandates Statement, H.R. 3150, As Reported by the House Committee on the Judiciary (June 10, 1998)

42. Hearings on the Bankruptcy Reform Act of 1998 Before the Subcommittee on Commercial and Administrative Law of the Senate Committee on the Judiciary, 105th Cong., 2nd Sess. (March 10, 1998)

43. Hearings on the Bankruptcy Reform Act of 1998 Before the Subcommittee on Commercial and Administrative Law of the Senate Committee on the Judiciary, 105th Cong., 2nd Sess. (March 12, 1998)

44. Hearings on the Bankruptcy Reform Act of 1998 Before the Subcommittee on Commercial and Administrative Law of the Senate Committee on the Judiciary, 105th Cong., 2nd Sess. (March 18, 1998)

45. Hearings on the Bankruptcy Reform Act of 1998 Before the Subcommittee on Commercial and Administrative Law of the Senate Committee on the Judiciary, 105th Cong., 2nd Sess. (March 19, 1998)

46. House Committee on the Judiciary, Committee Print – Amendment in the Nature of a Substitute to H.R. 3150 by Rep. Gekas (April 22, 1998)

47 H. Rep. No. 540, 105th Cong., 2nd Sess.

48. Rep. No. 794, 105th Cong., 2nd Sess.

49. THOMAS Bill Summary & Status Record, H.Res. 462, 105th Cong. (1998)

50. H.Res. 462, 105th Cong. (1998)

51. THOMAS Bill Summary & Status Record, H.Res. 586, 105th Cong. (1998)

52. H.Res. 586, 105th Cong. (1998)

53. CONGRESSIONAL RESEARCH SERVICE, Summary of H.Res. 586, 105th Cong. (Introduced)

54. 144 Cong. Rec. E78 (daily ed. February 4, 1998) (Introduction of H.R. 3150 – The Bankruptcy Reform Act of 1998)

55. 144 Cong. Rec. H4343 (daily ed. June 10, 1998) (Personal Explanation)

56. 144 Cong. Rec. H10224 (daily ed. October 9, 1998) (Conference Report on H.R. 3150, the Bankruptcy Reform Act of 1998)

57. 144 Cong. Rec. S12140 (daily ed. October 9, 1998) (Bankruptcy Reform Act of 1998-Conference Report)

106th Congress (1999-2000)

H.R. 1282

58. THOMAS Bill Summary & Status Record, H.R. 1282, 106th Cong. (1999-2000)

59. H.R. 1282, As Introduced, 106th Cong. (1999)

60. CONGRESSIONAL RESEARCH SERVICE, Summary of H.R. 1282, 106th Cong. (Introduced)

S. 586

61. THOMAS Bill Summary & Status Record, S. 586, 106th Cong. (1999-2000)

62. S. 586, As Introduced, 106th Cong. (1999)

63. CONGRESSIONAL RESEARCH SERVICE, Summary of S. 586, 106th Cong. (Introduced)

S. 945

64. THOMAS Bill Summary & Status Record, S. 945, 106th Cong. (1999-2000)

65. S. 945, As Introduced, 106th Cong. (1999)

66. CONGRESSIONAL RESEARCH SERVICE, Summary of S. 945, 106th Cong. (Introduced)

67. 145 Cong. Rec. S4583 (daily ed. May 3, 1999) (Introduction of Bills-Consumer Bankruptcy Reform Act of 1999)

S. 3046

68. THOMAS Bill Summary & Status Record, S. 3046, 106th Cong. (1999-2000)

69. S. 3046, As Introduced, 106th Cong. (1999)

70. CONGRESSIONAL RESEARCH SERVICE, Summary of S. 3046, 106th Cong. (Introduced)

S. 3186

71. THOMAS Bill Summary & Status Record, S. 3186, 106th Cong. (1999-2000)

72. S. 3186, As Introduced, 106th Cong. (1999)

73. CONGRESSIONAL RESEARCH SERVICE, Summary of S. 3186, 106th Cong. (Introduced)

S. 625

74. THOMAS Bill Summary & Status Record, S. 625, 106th Cong. (1999-2000)

75. S. 625, As Introduced, 106th Cong. (1999)

76. S. 625, Senate Reported, 106th Cong. (1999)

77. CONGRESSIONAL RESEARCH SERVICE, Summary of S. 625, 106th Cong. (Introduced)

78. CONGRESSIONAL RESEARCH SERVICE, Summary of S. 625, 106th Cong. (Reported to Senate, Amended)

79. CONGRESSIONAL BUDGET OFFICE, Cost Estimate, S. 625, As Reported by the Senate Committee on the Judiciary (May 10, 1999)

80 S. Rep. No. 49, 106th Cong., 1s Sess.

81. 145 Cong. Rec. S13930 (daily ed. November 4, 1999) (Banking [sic] Reform Act of 1999)

82. 145 Cong. Rec. S14052 (daily ed. November 5, 1999) (Bankruptcy Reform Act of 1999)

83. 145 Cong. Rec. S14244 (daily ed. November 8, 1999) (Bankruptcy Reform Act of 1999-Resumed)

84. 145 Cong. Rec. S14340 (daily ed. November 9, 1999) (Bankruptcy Reform Act of 1999)

85. 145 Cong. Rec. S14439 (daily ed. November 10, 1999) (Bankruptcy Reform Act of 1999)

86. 145 Cong. Rec. S14605 (daily ed. November 16, 1999) (Bankruptcy Reform Act of 1999)

87. 145 Cong. Rec. S14654 (daily ed. November 17, 1999) (Bankruptcy Reform Act of 1999)

88. 146 Cong. Rec. S49 (daily ed. January 26, 2000) (Bankruptcy Reform Act of 1999)

89. 146 Cong. Rec. S135 (daily ed. January 31, 2000) (Bankruptcy Reform Act of 1999)

90. 146 Cong. Rec. S167 (daily ed. February 1, 2000) (Bankruptcy Reform Act of 1999)

91. 146 Cong. Rec. S225 (daily ed. February 2, 2000) (Bankruptcy Reform Act of 1999)

H.R. 833

92. THOMAS Bill Summary & Status Record, H.R. 833, 106th Cong. (1999-2000)

93. H.R. 833, Introduced in House, 106th Cong. (1999)

94. H.R. 833, Reported in House, 106th Cong. (1999)

95. H.R. 833, Engrossed, 106th Cong. (1999)

96. H.R. 833, Placed on Calendar in Senate, 106th Cong. (1999)

97. H.R. 833, Engrossed Amendment as Agreed to by Senate, 106th Cong. (1999)

98. CONGRESSIONAL RESEARCH SERVICE, Summary of H.R. 833, 106th Cong. (Introduced)

99. CONGRESSIONAL RESEARCH SERVICE, Summary of H.R. 833, 106th Cong. (Reported to House, Amended)

100. CONGRESSIONAL RESEARCH SERVICE, Summary of H.R. 833, 106th Cong. (Passed House, Amended)

101. CONGRESSIONAL RESEARCH SERVICE, Summary of H.R. 833, 106th Cong. (Passed Senate, Amended)

102. CONGRESSIONAL BUDGET OFFICE, Cost Estimate, H.R. 833, As Reported by the House Committee on the Judiciary (May 5, 1999)

103. THOMAS Bill Summary & Status Record, H.Res. 158, 106th Cong. (1999-2000)

104. H.Res. 158, Reported, 106th Cong. (1999)

105. H.Res. 158, Engrossed, 106th Cong. (1999)

106. CONGRESSIONAL RESEARCH SERVICE, Summary of H.Res. 158, 106th Cong. (Introduced)

107. H.Con.Res. 427, ATH, 106th Cong. (1999)

108. H.Con.Res. 427, Engrossed, 106th Cong. (1999)

109. Joint Hearings on the Bankruptcy Reform Before the Subcommittee on Commercial and Administrative Law of the House Committee on the Judiciary and the Subcommittee on Administrative Oversight and the Courts of the Senate Committee on the Judiciary, 106th Cong., 1st Sess. (March 11, 1999)

110. Hearings on the Bankruptcy Reform Act of 2002 Before the Subcommittee on Commercial and Administrative Law of the House Committee on the Judiciary, 106th Cong., 1st Sess. (Part 1-March 16, 1999)

111. Hearings on the Bankruptcy Reform Act of 2002 Before the Subcommittee on Commercial and Administrative Law of the House Committee on the Judiciary, 106th Cong., 1st Sess. (Part 2-March 17, 1999)

112. Hearings on the Bankruptcy Reform Act of 2002 Before the Subcommittee on Commercial and Administrative Law of the House Committee on the Judiciary, 106th Cong., 1st Sess. (Part 3-March 18, 1999)

113. H. Rep. No. 123-Part 1, 106th Cong., 1st Sess.

114. H. Rep. No. 126, 106th Cong., 1st Sess.

115. 145 Cong. Rec. H2655 (daily ed. May 5, 1999) (Bankruptcy Reform Act of 1999)

H.R. 2415

116. THOMAS Bill Summary & Status Record, H.R. 2415, 106th Cong. (1999-2000)

117. Rep. No. 970, 106th Cong., 2nd Sess.

118. CONGRESSIONAL RESEARCH SERVICE, Summary of H.R. 2415, 106th Cong. (Conference Report Filed in the House)

119. 146 Cong. Rec. H9788 (daily ed. October 11, 2000) (Motion To Go To Conference on H.R. 2415-the American Embassy Security Act of 1999)

120. 146 Cong. Rec. H9826 (daily ed. October 12, 2000) (Conference Report on H.R. 2415-the Bankruptcy Reform Act of 2000)

121. 146 Cong. Rec. S11205 (daily ed. October 27, 2000) (Bankruptcy Reform Act of 2000–Motion to Proceed)

122. 146 Cong. Rec. S11378 (daily ed. October 30, 2000) (Bankruptcy Reform Act of 2000–Conference Report–Resumed)

123. 146 Cong. Rec. S11552 (daily ed. December 5, 2000) (Bankruptcy Reform Act of 2000–Conference Report–Resumed)

124. 146 Cong. Rec. S11621 (daily ed. December 6, 2000) (Bankruptcy Reform Act of 2000–Conference Report–Resumed)

125. 146 Cong. Rec. S11683 (daily ed. December 7, 2000) (Bankruptcy Reform Act of 2000–Conference Report)

126. Weekly Compilation of Presidential Documents, Vol. 36, No. 51, 3130, Memorandum of Disapproval on the Bankruptcy Reform Act of 2000 (December 19, 2000)

107th Congress (2001-2002)

S. 220

127. THOMAS Bill Summary & Status Record, S. 220, 107th Cong. (2001)

128. S. 220, Placed on Senate Calendar, 107th Cong. (2001)

129. CONGRESSIONAL RESEARCH SERVICE, Summary of S. 220, 107th Cong. (Introduced)

S. 2996

130. THOMAS Bill Summary & Status Record, S. 2996, 107th Cong. (2002)

131. S. 2996, As Introduced, 107th Cong. (2002)

132. CONGRESSIONAL RESEARCH SERVICE, Summary of S. 2996, 107th Cong. (Introduced)

133. 148 Cong. Rec. S9117, S9122 (daily ed. September 24, 2002) (Statements on Introduced Bills and Resolutions

H.R. 5744

134. THOMAS Bill Summary & Status Record, H.R. 5744, 107th Cong. (2001)

135. H.R. 5744, As Introduced, 107th Cong. (2001)

136. CONGRESSIONAL RESEARCH SERVICE, Summary of H.R. 5744, 107th Cong. (Introduced)

H.R. 5745

137. THOMAS Bill Summary & Status Record, H.R. 5745, 107th Cong. (2001)

138. H.R. 5745, As Introduced, 107th Cong. (2001)

139. CONGRESSIONAL RESEARCH SERVICE, Summary of H.R. 5745, 107th Cong. (Introduced)

S. 420

140. THOMAS Bill Summary & Status Record, S. 420, 107th Cong. (2001)

141. S. 420, Placed on Senate Calendar, 107th Cong. (2001)

142. S. 420, Engrossed, 107th Cong. (2001)

143. CONGRESSIONAL RESEARCH SERVICE, Summary of S. 420, 107th Cong. (Introduced)

144. CONGRESSIONAL RESEARCH SERVICE, Summary of S. 420, 107th Cong. (Reported Senate Committee)

145. CONGRESSIONAL RESEARCH SERVICE, Summary of S. 420, 107th Cong. (Passed Senate)

146. CONGRESSIONAL BUDGET OFFICE, Cost Estimate, S. 420, As Reported by the Senate Committee on the Judiciary (March 1, 2001)

147. 147 Cong. Rec. S1925 (daily ed. March 7, 2001) (Bankruptcy Reform Act of 2001-Resumed)

148. 147 Cong. Rec. S2018 (daily ed. March 8, 2001) (Bankruptcy Reform Act of 2001)

149. 147 Cong. Rec. S2105 (daily ed. March 9, 2001) (Bankruptcy Reform Act of 2001)

150. 147 Cong. Rec. S2142 (daily ed. March 12, 2001) (Bankruptcy Reform Act of 2001)

151. 147 Cong. Rec. S2172 (daily ed. March 13, 2001) (Bankruptcy Reform Act of 2001)

152. 147 Cong. Rec. S2273 (daily ed. March 14, 2001) (Bankruptcy Reform Act of 2001-Resumed)

153. 147 Cong. Rec. S2324 (daily ed. March 15, 2001) (Bankruptcy Reform Act of 2001)

154. 147 Cong. Rec. S2531 (daily ed. March 19, 2001) (Unanimous Consent Agreement-S. 420)

H.R. 333

155. THOMAS Bill Summary & Status Record, H.R. 333, 107th Cong. (2001)

156. H.R. 333, As Introduced, 107th Cong. (2001)

157. H.R. 333, Reported House, 107th Cong. (2001)

158. H.R. 333, Engrossed, 107th Cong. (2001)

159. H.R. 333, Placed on Calendar in Senate, 107th Cong. (2001)

160. H.R. 333, Engrossed Amendment Agreed by Senate, 107th Cong. (2001)

161. CONGRESSIONAL RESEARCH SERVICE, Summary of H.R. 333, 107th Cong. (Introduced)

162. CONGRESSIONAL RESEARCH SERVICE, Summary of H.R. 333, 107th Cong. (Reported to House)

163. CONGRESSIONAL RESEARCH SERVICE, Summary of H.R. 333, 107th Cong. (Passed House)

164. CONGRESSIONAL RESEARCH SERVICE, Summary of H.R. 333, 107th Cong. (Passed Senate)

165. CONGRESSIONAL RESEARCH SERVICE, Summary of H.R. 333, 107th Cong. (Conference Report)

166. CONGRESSIONAL BUDGET OFFICE, Cost Estimate, S. 420, As Reported by the House Committee on the Judiciary (February 27, 2001)

167. Bankruptcy Abuse Prevention and Consumer Protection Act of 2001: Hearing Before the House Committee on the Judiciary, 107th Cong., 1st Sess. (2001)

168. H. Rep. No. 3, 107th Cong., 1st Sess. (2001)

169. H. Rep. No. 4, 107th Cong., 1st Sess. (2001)

170. Bankruptcy Reform Act of 2001: Hearing Before the Senate Committee on the Judiciary, 107th Cong., 1st Sess. (2001)

171. H. Rep. No. 617, 107th Cong., 1st Sess. (2001)

172. 147 Cong. Rec. H133 (daily ed. January 31, 2001) (Bankruptcy Abuse Prevention and Consumer Protection Act of 2001)

173. 147 Cong. Rec. H517 (daily ed. March 1, 2001) (Bankruptcy Abuse Prevention and Consumer Protection Act of 2001)

174. 147 Cong. Rec. S7361 (daily ed. July 9, 2001) (Bankruptcy Abuse Prevention and Consumer Protection Act of 2001–Motion to Proceed)

175. 147 Cong. Rec. S7539 (daily ed. July 12, 2001) (Bankruptcy Abuse Prevention and Consumer Protection Act of 2001–Motion to Proceed)

176. 147 Cong. Rec. S7721 (daily ed. July 17, 2001) (Bankruptcy Abuse Prevention and Consumer Protection Act of 2001)

177. 147 Cong. Rec. H4953 (daily ed. July 31, 2001) (Appointment of Conferees on H.R. 333, Bankruptcy Abuse Prevention and Consumer Protection Act of 2001)

178. 147 Cong. Rec. H133 (daily ed. November 14, 2002) (Concurring in Senate Amendment, With an Amendment, To H.R. 333, Bankruptcy Abuse Prevention and Consumer Protection Act of 2001)

108th Congress (2003-2004)

S. 1970

179. THOMAS Bill Summary & Status Record, S. 1970, 108th Cong. (2003)

180. S. 1970, As Introduced, 108th Cong. (2003)

181. CONGRESSIONAL RESEARCH SERVICE, Summary of S. 1970, 108th Cong. (Introduced)

182. 149 Cong. Rec. S16014 (daily ed. November 25, 2003) (Statements on Introduced Bills and Joint Resolutions)

S. 1920

183. THOMAS Bill Summary & Status Record, S. 1920, 108th Cong. (2003)

184. S. 1920, As Introduced, 108th Cong. (2003)

185. S. 1920, Engrossed Senate, 108th Cong. (2003)

186. S. 1920, Reported House, 108th Cong. (2003)

187. S. 1920, Engrossed As Amended, House, 108th Cong. (2003)

188. CONGRESSIONAL RESEARCH SERVICE, Summary of S. 1920, 108th Cong. (Introduced)

189. CONGRESSIONAL RESEARCH SERVICE, Summary of S. 1920, 108th Cong. (Passed Senate)

190. CONGRESSIONAL RESEARCH SERVICE, Summary of S. 1920, 108th Cong. (Passed House)

191. 149 Cong. Rec. S16062 (daily ed. November 25, 2003) (Bankruptcy Extension)

192. 150 Cong. Rec. H148 (daily ed. January 28, 2004) (Bankruptcy Abuse Prevention and Consumer Protection Act of 2003)

H.R. 975

193. THOMAS Bill Summary & Status Record, H.R. 975, 108th Cong. (2003)

194. H.R. 975, As Introduced, 108th Cong. (2003)

195. H.R. 975, Reported House, 108th Cong. (2003)

196. H.R. 975, Engrossed, 108th Cong. (2003)

197. H.R. 975, Placed on Senate Calendar, House, 108th Cong. (2003)

198. CONGRESSIONAL RESEARCH SERVICE, Summary of H.R. 975, 108th Cong. (Introduced)

199. CONGRESSIONAL RESEARCH SERVICE, Summary of H.R. 975, 108th Cong. (Reported House)

200. CONGRESSIONAL RESEARCH SERVICE, Summary of H.R. 975, 108th Cong. (Passed House)

201. CONGRESSIONAL BUDGET OFFICE, Cost Estimate, H.R. 975, As Reported by the House Committee on the Judiciary (March 18, 2003)

202. Bankruptcy Abuse Prevention and Consumer Protection Act of 2003 and the Need for Bankruptcy Reform: Hearings Before the Subcommittee on Commercial and Administrative Law of the House Committee on the Judiciary, 108th Cong., 1st Sess. (2003)

203. H. Rep. No. 40-Part 1, 108th Cong., 1st Sess. (2001)

204. H. Rep. No. 42, 108th Cong., 1st Sess. (2001)

205. 149 Cong. Rec. H1991 (daily ed. March 19, 2003) (Bankruptcy Abuse Prevention and Consumer Protection Act of 2003)

H.R. 1529

206. THOMAS Bill Summary & Status Record, H.R. 1529, 108th Cong. (2003)

207. H.R. 1529, As Introduced, 108th Cong. (2003)

208. H.R. 1529, Reported House, 108th Cong. (2003)

209. H.R. 1529, Engrossed, 108th Cong. (2003)

210. H.R. 1529, Referred Senate Committee, 108th Cong. (2003)

211. CONGRESSIONAL RESEARCH SERVICE, Summary of H.R. 1529, 108th Cong. (Introduced)

212. CONGRESSIONAL RESEARCH SERVICE, Summary of H.R. 1529, 108th Cong. (Reported House)

213. CONGRESSIONAL RESEARCH SERVICE, Summary of H.R. 1529, 108th Cong. (Passed House)

214. CONGRESSIONAL BUDGET OFFICE, Cost Estimate, H.R. 1529, As Reported by the House Committee on the Judiciary (May 16, 2003)

215. H. Rep. No. 110, 108th Cong., 1st Sess. (2001)

216. 149 Cong. Rec. H5103 (daily ed. June 10, 2003) (Involuntary Bankruptcy Improvement Act of 2003)

109th Congress (2005-2006)

H.R. 685

217. THOMAS Bill Summary & Status Record, H.R. 685, 109th Cong. (2005-2006)

218. H.R. 685, As Introduced, 109th Cong., 1st S. (2005)

219. CONGRESSIONAL RESEARCH SERVICE, Summary of H. 516 (Introduced)

S. 256

220. THOMAS Bill Summary & Status Record, S. 256, 109th Cong. (2005-2006)

221. S. 256, As Introduced, 109th Cong., 1st Sess. (2005)

222. S. 256, Reported, 109th Cong., 1st Sess. (2005)

223. S. 256, Engrossed in Senate, 109th Cong., 1st Sess. (2005)

224. S. 256, Referred to Committee in House, 109th Cong., 1st Sess. (2005)

225. S. 256, Reported in House, 109th Cong., 1st Sess. (2005)

227. CONGRESSIONAL RESEARCH SERVICE, Summary of S. 256, 109th Cong. (Introduced)

228. CONGRESSIONAL RESEARCH SERVICE, Summary of S. 256, 109th Cong. (Reported to Senate, Amended)

228. CONGRESSIONAL RESEARCH SERVICE, Summary of S. 256, 109th Cong. (Passed Senate, Amended)

229. CONGRESSIONAL BUDGET OFFICE, Cost Estimate, S. 256, As Reported by the Senate Committee on the Judiciary (February 28, 2005)

230. CONGRESSIONAL BUDGET OFFICE, Cost Estimate, S. 256, As Reported by the House Committee on the Judiciary (April 4, 2005)

231. Senate Hearing Transcript [Omitted– Not yet available]

232. S. Rep. 14, 109th Cong., 1st Sess. [Omitted– Not yet available]

233. H. Rep. No. 31-Part 1, 109th Cong., 1st Sess. (2005)

234. H. Rep. No. 43, 109th Cong., 1st Sess. (2005)

235. 151 Cong. Rec. S740, S768 (daily ed. February 1, 2005) (Statements on Introduction of Bills and Joint Resolutions)

236. 151 Cong. Rec. S1726 (daily ed. February 28, 2005) (Bankruptcy Abuse Prevention and Consumer Protection Act of 2005)

237. 151 Cong. Rec. S1814 (daily ed. March 1, 2005) (Bankruptcy Reform)

238. 151 Cong. Rec. S1892 (daily ed. March 2, 2005) (Bankruptcy Abuse Prevention and Consumer Protection Act of 2005)

239. 151 Cong. Rec. S1979 (daily ed. March 3, 2005) (Bankruptcy Abuse Prevention and Consumer Protection Act of 2005)

240. 151 Cong. Rec. S2053 (daily ed. March 4, 2005) (Bankruptcy Abuse Prevention and Consumer Protection Act of 2005)

241. 151 Cong. Rec. S2111 (daily ed. March 7, 2005) (Bankruptcy Abuse Prevention and Consumer Protection Act of 2005)

242. 151 Cong. Rec. S2199 (daily ed. March 8, 2005) (Bankruptcy Reform)

243. 151 Cong. Rec. S2306 (daily ed. March 9, 2005) (Bankruptcy Abuse Prevention and Consumer Protection Act of 2005)

244. 151 Cong. Rec. S2416 (daily ed. March 10, 2005) (Bankruptcy Abuse Prevention and Consumer Protection Act of 2005)

245. 151 Cong. Rec. S2531 (daily ed. March 11, 2005) (Bankruptcy Abuse Prevention and Consumer Protection Act of 2005)

246. 151 Cong. Rec. H1974 (daily ed. April 14, 2005) (Providing for Consideration of S. 256, Bankruptcy Abuse Prevention and Consumer Protection Act of 2005)

247. Office of the President, Press Release, President Signs Bankruptcy Abuse Prevention, Consumer Protection Act (April 20, 2005)

248. Office of the Sen. Chuck Grassley, Press Release, Grassley Praises President For Signing Comprehensive Bankruptcy Reform Legislation (April 20, 2005)

249. Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, Pub. L. No. 109-008 (2005)

250. Implementation of the Bankruptcy Reform Act of 2005 Before the Subcommittee on Commercial and Administrative Law of the House Committee on the Judiciary, 106th Cong., 1st Sess. (July 26, 2005)