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118-hr-10500Committee
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Consumer Bankruptcy Reform Act of 2024

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Summary

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The Consumer Bankruptcy Reform Act of 2024 would replace the current dual-track bankruptcy system (Chapters 7 and 13) with a single Chapter 10 for individual debtors, streamlining the filing process and reducing costs. The bill would allow debtors to modify mortgages on all residences and car loans based on vehicle market value, permit discharge of student loan debt on equal terms with other debts, and establish a simplified process for routine cases. It also includes amendments to consumer financial protection laws and would increase bankruptcy filing fees and trustee compensation to fund the system.

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Bill details

Congress
118
Bill type
hr
Introduced
December 18, 2024
Sponsor
Not yet available
Last action
December 18, 2024— Referred to the Committee on the Judiciary, and in addition to the Committee on Financial Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

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