United States · Law · S
S. 256 (109th)
Bankruptcy Abuse Prevention and Consumer Protection Act of 2005
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
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 February 2005
Introduced
Read twice and referred to the Committee on the Judiciary. (text of measure as introduced: CR S768-821)
Source: IntroReferral
1 February 2005
Introduced
Introduced in Senate
Source: IntroReferral
10 February 2005
Committee
Committee on the Judiciary. Hearings held. Hearings printed: S.Hrg. 109-1014.
Source: Committee
17 February 2005
Calendars
Placed on Senate Legislative Calendar under General Orders. Calendar No. 14.
Source: Calendars
17 February 2005
Reported
Committee on the Judiciary. Reported by Senator Hatch for Senator Specter with amendments. Without written report.
Source: Committee
17 February 2005
Reported
Committee on the Judiciary. Ordered to be reported with amendments favorably.
Source: Committee
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
1 March 2005
Floor
Considered by Senate. (consideration: CR S1820-1831, S1834-1857)
Source: Floor
2 March 2005
Floor
Considered by Senate. (consideration: CR S1892-1927)
Source: Floor
3 March 2005
Floor
Considered by Senate. (consideration: CR S1979-1997)
Source: Floor
4 March 2005
Floor
Considered by Senate. (consideration: CR S2053-2081)
Source: Floor
7 March 2005
Floor
Considered by Senate. (consideration: CR S2111-2143)
Source: Floor
8 March 2005
Floor
Considered by Senate. (consideration: CR S2200-2216, S2216-2230)
Source: Floor
9 March 2005
Floor
Considered by Senate. (consideration: CR S2306-2342)
Source: Floor
10 March 2005
Floor
Considered by Senate. (consideration: CR S2416-2417, S2424-2428, S2459-2462, S2462-2474)
Source: Floor
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
14 March 2005
Floor
Message on Senate action sent to the House.
Source: Floor
14 March 2005
Floor
Held at the desk.
Source: Floor
14 March 2005
Floor
Received in the House.
Source: Floor
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
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
16 March 2005
Vote
Ordered to be Reported by the Yeas and Nays: 22 - 13.
Source: Committee
16 March 2005
Committee
Committee Consideration and Mark-up Session Held.
Source: Committee
8 April 2005
Calendars
Placed on the Union Calendar, Calendar No. 14.
Source: Calendars
8 April 2005
Discharge
Committee on Financial Services discharged.
Source: Discharge
8 April 2005
Committee
Committee on Financial Services discharged.
Source: Committee
8 April 2005
Reported
Reported by the Committee on Judiciary. H. Rept. 109-31, Part I.
Source: Committee
8 April 2005
Reported
Reported by the Committee on Judiciary. H. Rept. 109-31, Part I.
Source: Committee
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
14 April 2005
Action
Cleared for White House.
14 April 2005
Passed
Motion to reconsider laid on the table Agreed to without objection.
Source: Floor
14 April 2005
Vote
On passage Passed by the Yeas and Nays: 302 - 126 (Roll no. 108). (text: CR H1993-2047)
Source: Floor
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
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
14 April 2005
Floor
The previous question on the motion to recommit with instructions was ordered without objection.
Source: Floor
14 April 2005
Floor
Ms. Schakowsky moved to recommit with instructions to Judiciary.
Source: Floor
14 April 2005
Floor
The previous question was ordered pursuant to the rule.
Source: Floor
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
14 April 2005
Floor
Considered under the provisions of rule H. Res. 211. (consideration: CR H1993-2077)
Source: Floor
14 April 2005
Passed
Rule H. Res. 211 passed House.
Source: Floor
15 April 2005
Floor
Presented to President.
Source: Floor
15 April 2005
President
Presented to President.
Source: President
20 April 2005
Became law
Became Public Law No: 109-8.
Source: President
20 April 2005
Became law
Signed by President.
Source: BecameLaw
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
- Sen. Allard, Wayne [R-CO]Yea
- Sen. Specter, Arlen [R-PA]Yea
- Sen. Obama, Barack [D-IL]Nay
- Sen. Boxer, Barbara [D-CA]Nay
Showing the first 4 recorded positions. Vote totals above are complete.
Versions
- Enrolled Bill · 22 April 2005 · Download file
- Public Law · 20 April 2005 · Download file
- Reported in House · 8 April 2005 · Download file
- Referred in House · 15 March 2005 · Download file
- Engrossed in Senate · 10 March 2005 · Download file
- Reported to Senate · 17 February 2005 · Download file
- Introduced in Senate · 1 February 2005 · Download file
Documents
20 official files
Enrolled Bill (text)
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Enrolled Bill (text)
Enrolled Bill · EN · 22 April 2005
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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Sponsors
- Sen. Grassley, Chuck [R-IA] · R · Sponsor
- Sen. Hatch, Orrin G. [R-UT] · R · Sponsor
- Sen. Sessions, Jeff [R-AL] · R · Sponsor
- Sen. Thune, John [R-SD] · R · Sponsor
- Sen. Carper, Thomas R. [D-DE] · D · Sponsor
- Sen. Nelson, Ben [D-NE] · D · Sponsor
- Sen. Shelby, Richard C. [R-AL] · R · Sponsor
- Sen. Enzi, Michael B. [R-WY] · R · Sponsor
- Sen. Sununu, John E. [R-NH] · R · Cosponsor
- Sen. DeMint, Jim [R-SC] · R · Cosponsor
- Sen. Crapo, Mike [R-ID] · R · Cosponsor
- Sen. Vitter, David [R-LA] · R · Cosponsor
- Sen. Hagel, Chuck [R-NE] · R · Cosponsor
- · hsba00 · Standing
- · hsju00 · Standing
- · ssju00 · Standing
Related records
- related to → Bankruptcy Abuse Prevention and Consumer Protection Act of 2005
- related to → Providing for consideration of the bill (S. 256) to amend title 11 of the United States Code, and for other purposes.
- amends ← SAMDT 18
- amends ← SAMDT 22
- amends ← SAMDT 27
- amends ← SAMDT 39
- amends ← SAMDT 35
- amends ← SAMDT 14
- amends ← SAMDT 20
- amends ← SAMDT 79
Showing 10 of 127 related records.
Related across the Repo ecosystem
Direct relationships are identifier-backed. Topic context means shared TopicMembership — not a citation and not causation.
Direct relationships
- Legal framework · Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 · S. 256 (109th) · US
- Identifier matchPROJECTS_FROM
Same us record 109-s-256 projected from PoliticalRepo US row.
Bankruptcy Abuse Prevention and Consumer Protection Act of 2005
Sources
PoliticalRepo is an index and interpretation layer, not the authoritative legal source.
- Official source: https://www.congress.gov/bill/109th-congress/senate-bill/256
- Open data entity: https://api.congress.gov/v3/bill/109/s/256
- us · 109-s-256 · source updated 10 August 2026