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United States · Law · S

S. 256 (109th)

Bankruptcy Abuse Prevention and Consumer Protection Act of 2005

enactedUnited States· United States Congress· EN

Introduced

1 February 2005

Last action

20 April 2005 · President

Status

Became Public Law No: 109-8.

Sponsors

Sen. Grassley, Chuck [R-IA], Sen. Hatch, Orrin G. [R-UT], Sen. Sessions, Jeff [R-AL], Sen. Thune, John [R-SD], Sen. Carper, Thomas R. [D-DE], Sen. Nelson, Ben [D-NE], Sen. Shelby, Richard C. [R-AL], Sen. Enzi, Michael B. [R-WY], Sen. Sununu, John E. [R-NH], Sen. DeMint, Jim [R-SC], Sen. Crapo, Mike [R-ID], Sen. Vitter, David [R-LA], Sen. Hagel, Chuck [R-NE]

Subjects

Healthcare, Taxation

Source updated

10 August 2026

Healthcare · Taxation

Summary

Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 - Amends Federal bankruptcy law governing: (1) conversion of bankruptcy petitions; (2) abusive creditor practices; (3) domestic support obligations; (4) consumer protections, including protection of personally identifiable information; (5) measures to discourage bankruptcy abuse, including reduction of the homestead exemption for fraud; (6) guidelines for general and small business bankruptcies, including appointment of a committee of retired employees; (7) bankruptcy data dissemination and bankruptcy tax provisions; (8) ancillary and other cross-border cases to incorporate the Model Law on Cross-Border Insolvency; and (9) financial contracts and transfers entered into with an insolvent insured depository institution before its conservatorship or receivership. Reenacts Chapter 12, Adjustment of Debts of a Family Farmer with Regular Annual Income. Brings family fishermen within the purview of Federal bankruptcy protection. Prescribes guidelines for insolvent health care businesses and related patients' rights. Bankruptcy Judgeship Act of 2005 - Amends the Federal Judicial Code to mandate appointments for additional temporary bankruptcy judgeships in designated States. Prescribes additional consumer credit disclosures, including open end credit plans and introductory rates.

This text is taken from the official record. PoliticalRepo does not editorialize.

Timeline

  1. 1 February 2005

    Introduced

    Read twice and referred to the Committee on the Judiciary. (text of measure as introduced: CR S768-821)

    Source: IntroReferral

  2. 1 February 2005

    Introduced

    Introduced in Senate

    Source: IntroReferral

  3. 10 February 2005

    Committee

    Committee on the Judiciary. Hearings held. Hearings printed: S.Hrg. 109-1014.

    Source: Committee

  4. 17 February 2005

    Calendars

    Placed on Senate Legislative Calendar under General Orders. Calendar No. 14.

    Source: Calendars

  5. 17 February 2005

    Reported

    Committee on the Judiciary. Reported by Senator Hatch for Senator Specter with amendments. Without written report.

    Source: Committee

  6. 17 February 2005

    Reported

    Committee on the Judiciary. Ordered to be reported with amendments favorably.

    Source: Committee

  7. 28 February 2005

    Reported

    Measure laid before Senate by unanimous consent. (consideration: CR S1726-1788; text of measure as reported in Senate: CR S1726-1779)

    Source: Floor

  8. 1 March 2005

    Floor

    Considered by Senate. (consideration: CR S1820-1831, S1834-1857)

    Source: Floor

  9. 2 March 2005

    Floor

    Considered by Senate. (consideration: CR S1892-1927)

    Source: Floor

  10. 3 March 2005

    Floor

    Considered by Senate. (consideration: CR S1979-1997)

    Source: Floor

  11. 4 March 2005

    Floor

    Considered by Senate. (consideration: CR S2053-2081)

    Source: Floor

  12. 7 March 2005

    Floor

    Considered by Senate. (consideration: CR S2111-2143)

    Source: Floor

  13. 8 March 2005

    Floor

    Considered by Senate. (consideration: CR S2200-2216, S2216-2230)

    Source: Floor

  14. 9 March 2005

    Floor

    Considered by Senate. (consideration: CR S2306-2342)

    Source: Floor

  15. 10 March 2005

    Floor

    Considered by Senate. (consideration: CR S2416-2417, S2424-2428, S2459-2462, S2462-2474)

    Source: Floor

  16. 10 March 2005

    Vote

    Passed/agreed to in Senate: Passed Senate with amendments by Yea-Nay. 74 - 25. Record Vote Number: 44.(text: CR 3/11/2005 S2531-2585)

    Source: Floor

  17. 14 March 2005

    Floor

    Message on Senate action sent to the House.

    Source: Floor

  18. 14 March 2005

    Floor

    Held at the desk.

    Source: Floor

  19. 14 March 2005

    Floor

    Received in the House.

    Source: Floor

  20. 15 March 2005

    Introduced

    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.

    Source: IntroReferral

  21. 15 March 2005

    Introduced

    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.

    Source: IntroReferral

  22. 16 March 2005

    Vote

    Ordered to be Reported by the Yeas and Nays: 22 - 13.

    Source: Committee

  23. 16 March 2005

    Committee

    Committee Consideration and Mark-up Session Held.

    Source: Committee

  24. 8 April 2005

    Calendars

    Placed on the Union Calendar, Calendar No. 14.

    Source: Calendars

  25. 8 April 2005

    Discharge

    Committee on Financial Services discharged.

    Source: Discharge

  26. 8 April 2005

    Committee

    Committee on Financial Services discharged.

    Source: Committee

  27. 8 April 2005

    Reported

    Reported by the Committee on Judiciary. H. Rept. 109-31, Part I.

    Source: Committee

  28. 8 April 2005

    Reported

    Reported by the Committee on Judiciary. H. Rept. 109-31, Part I.

    Source: Committee

  29. 13 April 2005

    Reported

    Rules Committee Resolution H. Res. 211 Reported to House. Rule provides for consideration of S. 256 with 1 hour of general debate. Previous question shall be considered as ordered without intervening motions except motion to recommit with or without instructions. The rule waives all points of order against the bill and against its consideration. Measure will be considered read. Bill is closed to amendments.

    Source: Floor

  30. 14 April 2005

    Action

    Cleared for White House.

  31. 14 April 2005

    Passed

    Motion to reconsider laid on the table Agreed to without objection.

    Source: Floor

  32. 14 April 2005

    Vote

    On passage Passed by the Yeas and Nays: 302 - 126 (Roll no. 108). (text: CR H1993-2047)

    Source: Floor

  33. 14 April 2005

    Vote

    Passed/agreed to in House: On passage Passed by the Yeas and Nays: 302 - 126 (Roll no. 108).(text: CR H1993-2047)

    Source: Floor

  34. 14 April 2005

    Vote

    On motion to recommit with instructions Failed by the Yeas and Nays: 200 - 229 (Roll no. 107). (consideration: CR H2074)

    Source: Floor

  35. 14 April 2005

    Floor

    The previous question on the motion to recommit with instructions was ordered without objection.

    Source: Floor

  36. 14 April 2005

    Floor

    Ms. Schakowsky moved to recommit with instructions to Judiciary.

    Source: Floor

  37. 14 April 2005

    Floor

    The previous question was ordered pursuant to the rule.

    Source: Floor

  38. 14 April 2005

    Floor

    Rule provides for consideration of S. 256 with 1 hour of general debate. Previous question shall be considered as ordered without intervening motions except motion to recommit with or without instructions. The rule waives all points of order against the bill and against its consideration. Measure will be considered read. Bill is closed to amendments.

    Source: Floor

  39. 14 April 2005

    Floor

    Considered under the provisions of rule H. Res. 211. (consideration: CR H1993-2077)

    Source: Floor

  40. 14 April 2005

    Passed

    Rule H. Res. 211 passed House.

    Source: Floor

  41. 15 April 2005

    Floor

    Presented to President.

    Source: Floor

  42. 15 April 2005

    President

    Presented to President.

    Source: President

  43. 20 April 2005

    Became law

    Became Public Law No: 109-8.

    Source: President

  44. 20 April 2005

    Became law

    Signed by President.

    Source: BecameLaw

  45. 20 April 2005

    President

    Signed by President.

    Source: President

Votes

10 March 2005 · Bill Passed · On Passage of the Bill S. 256 · Bill Passed · Official source

Yes 74 · No 25 · Abstain — · Absent/not voting 1

Showing the first 4 recorded positions. Vote totals above are complete.

Versions

Documents

20 official files

Enrolled Bill (text)

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  • Enrolled Bill (text)

    Enrolled Bill · EN · 22 April 2005

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  • Enrolled Bill (PDF)

    Enrolled Bill · EN · 22 April 2005

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  • Public Law (text)

    Public Law · EN · 20 April 2005

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  • Public Law (PDF)

    Public Law · EN · 20 April 2005

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  • Public Law

    summary · EN · 20 April 2005

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  • Passed House without amendment

    summary · EN · 14 April 2005

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  • Reported in House (text)

    Reported in House · EN · 8 April 2005

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  • Reported in House (PDF)

    Reported in House · EN · 8 April 2005

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  • Reported to House without amendment, Part I

    summary · EN · 8 April 2005

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  • Referred in House (text)

    Referred in House · EN · 15 March 2005

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  • Referred in House (PDF)

    Referred in House · EN · 15 March 2005

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  • Engrossed in Senate (text)

    Engrossed in Senate · EN · 10 March 2005

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  • Engrossed in Senate (PDF)

    Engrossed in Senate · EN · 10 March 2005

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  • Passed Senate amended

    summary · EN · 10 March 2005

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  • Reported to Senate (text)

    Reported to Senate · EN · 17 February 2005

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  • Reported to Senate (PDF)

    Reported to Senate · EN · 17 February 2005

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  • Reported to Senate with amendment(s)

    summary · EN · 17 February 2005

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  • Introduced in Senate (text)

    Introduced in Senate · EN · 1 February 2005

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  • Introduced in Senate (PDF)

    Introduced in Senate · EN · 1 February 2005

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  • Introduced in Senate

    summary · EN · 1 February 2005

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