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    <number>685</number>
    <updateDate>2022-02-03T05:34:38Z</updateDate>
    <updateDateIncludingText>2022-02-03T05:34:38Z</updateDateIncludingText>
    <originChamber>House</originChamber>
    <originChamberCode>H</originChamberCode>
    <type>HR</type>
    <introducedDate>2005-02-09</introducedDate>
    <congress>109</congress>
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        <systemCode>hsba00</systemCode>
        <name>Financial Services Committee</name>
        <chamber>House</chamber>
        <type>Standing</type>
        <subcommittees>
          <item>
            <systemCode>hsba15</systemCode>
            <name>Consumer Protection and Financial Institutions Subcommittee</name>
            <activities>
              <item>
                <name>Referred to</name>
                <date>2005-05-13T15:55:44Z</date>
              </item>
            </activities>
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        <activities>
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            <date>2005-02-09T15:06:35Z</date>
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        <name>Judiciary Committee</name>
        <chamber>House</chamber>
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            <systemCode>hsju09</systemCode>
            <name>Commercial and Administrative Law Subcommittee</name>
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              <item>
                <name>Referred to</name>
                <date>2005-04-04T18:17:03Z</date>
              </item>
            </activities>
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        <activities>
          <item>
            <name>Referred to</name>
            <date>2005-02-09T15:06:30Z</date>
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        </activities>
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    <relatedBills>
      <item>
        <title>Bankruptcy Abuse Prevention and Consumer Protection Act of 2005</title>
        <congress>109</congress>
        <number>256</number>
        <type>S</type>
        <latestAction>
          <actionDate>2005-04-20</actionDate>
          <text>Became Public Law No: 109-8.</text>
        </latestAction>
        <relationshipDetails>
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            <type>Related bill</type>
            <identifiedBy>CRS</identifiedBy>
          </item>
          <item>
            <type>Text similarities</type>
            <identifiedBy>House</identifiedBy>
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        <actionDate>2005-05-13</actionDate>
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            <systemCode>hsba15</systemCode>
            <name>Consumer Protection and Financial Institutions Subcommittee</name>
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        <text>Referred to the Subcommittee on Financial Institutions and Consumer Credit.</text>
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      <item>
        <actionDate>2005-04-04</actionDate>
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            <systemCode>hsju09</systemCode>
            <name>Commercial and Administrative Law Subcommittee</name>
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          <code>1</code>
          <name>House committee actions</name>
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        <text>Referred to the Subcommittee on Commercial and Administrative Law.</text>
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      </item>
      <item>
        <actionDate>2005-02-09</actionDate>
        <text>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.</text>
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            <name>Financial Services Committee</name>
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      <item>
        <actionDate>2005-02-09</actionDate>
        <text>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.</text>
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          <code>9</code>
          <name>Library of Congress</name>
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      <item>
        <actionDate>2005-02-09</actionDate>
        <text>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.</text>
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        <text>Introduced in House</text>
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        <actionDate>2005-02-09</actionDate>
        <text>Introduced in House</text>
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        <actionCode>1000</actionCode>
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          <code>9</code>
          <name>Library of Congress</name>
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    </actions>
    <sponsors>
      <item>
        <bioguideId>S000244</bioguideId>
        <fullName>Rep. Sensenbrenner, F. James, Jr. [R-WI-5]</fullName>
        <firstName>F.</firstName>
        <lastName>SENSENBRENNER</lastName>
        <party>R</party>
        <state>WI</state>
        <middleName>JAMES</middleName>
        <district>5</district>
        <isByRequest>N</isByRequest>
      </item>
    </sponsors>
    <cosponsors>
      <item>
        <bioguideId>A000358</bioguideId>
        <fullName>Rep. Akin, W. Todd [R-MO-2]</fullName>
        <firstName>W.</firstName>
        <lastName>AKIN</lastName>
        <party>R</party>
        <state>MO</state>
        <middleName>TODD</middleName>
        <district>2</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>B000575</bioguideId>
        <fullName>Rep. Blunt, Roy [R-MO-7]</fullName>
        <firstName>ROY</firstName>
        <lastName>BLUNT</lastName>
        <party>R</party>
        <state>MO</state>
        <district>7</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>B001149</bioguideId>
        <fullName>Rep. Burton, Dan [R-IN-5]</fullName>
        <firstName>DAN</firstName>
        <lastName>BURTON</lastName>
        <party>R</party>
        <state>IN</state>
        <district>5</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>B001203</bioguideId>
        <fullName>Rep. Buyer, Steve [R-IN-4]</fullName>
        <firstName>STEPHEN</firstName>
        <lastName>BUYER</lastName>
        <party>R</party>
        <state>IN</state>
        <middleName>E.</middleName>
        <district>4</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>C000116</bioguideId>
        <fullName>Rep. Cannon, Chris [R-UT-3]</fullName>
        <firstName>CHRIS</firstName>
        <lastName>CANNON</lastName>
        <party>R</party>
        <state>UT</state>
        <district>3</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>C001046</bioguideId>
        <fullName>Rep. Cantor, Eric [R-VA-7]</fullName>
        <firstName>ERIC</firstName>
        <lastName>CANTOR</lastName>
        <party>R</party>
        <state>VA</state>
        <district>7</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>C000243</bioguideId>
        <fullName>Rep. Castle, Michael N. [R-DE-At Large]</fullName>
        <firstName>MICHAEL</firstName>
        <lastName>CASTLE</lastName>
        <party>R</party>
        <state>DE</state>
        <middleName>N.</middleName>
        <district>0</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>C000266</bioguideId>
        <fullName>Rep. Chabot, Steve [R-OH-1]</fullName>
        <firstName>STEVE</firstName>
        <lastName>CHABOT</lastName>
        <party>R</party>
        <state>OH</state>
        <district>1</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>C000556</bioguideId>
        <fullName>Rep. Coble, Howard [R-NC-6]</fullName>
        <firstName>HOWARD</firstName>
        <lastName>COBLE</lastName>
        <party>R</party>
        <state>NC</state>
        <district>6</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>D000492</bioguideId>
        <fullName>Rep. Dreier, David [R-CA-26]</fullName>
        <firstName>DAVID</firstName>
        <lastName>DREIER</lastName>
        <party>R</party>
        <state>CA</state>
        <district>26</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>E000187</bioguideId>
        <fullName>Rep. English, Phil [R-PA-3]</fullName>
        <firstName>PHIL</firstName>
        <lastName>ENGLISH</lastName>
        <party>R</party>
        <state>PA</state>
        <district>3</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>G000280</bioguideId>
        <fullName>Rep. Goode, Virgil H., Jr. [R-VA-5]</fullName>
        <firstName>VIRGIL</firstName>
        <lastName>GOODE</lastName>
        <party>R</party>
        <state>VA</state>
        <middleName>H.</middleName>
        <district>5</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>H001033</bioguideId>
        <fullName>Rep. Hart, Melissa A. [R-PA-4]</fullName>
        <firstName>MELISSA</firstName>
        <lastName>HART</lastName>
        <party>R</party>
        <state>PA</state>
        <middleName>A.</middleName>
        <district>4</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>F000448</bioguideId>
        <fullName>Rep. Franks, Trent [R-AZ-2]</fullName>
        <firstName>Trent</firstName>
        <lastName>Franks</lastName>
        <party>R</party>
        <state>AZ</state>
        <district>2</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>H000807</bioguideId>
        <fullName>Rep. Hostettler, John N. [R-IN-8]</fullName>
        <firstName>JOHN</firstName>
        <lastName>HOSTETTLER</lastName>
        <party>R</party>
        <state>IN</state>
        <district>8</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>J000082</bioguideId>
        <fullName>Rep. Jenkins, William L. [R-TN-1]</fullName>
        <firstName>WILLIAM</firstName>
        <lastName>JENKINS</lastName>
        <party>R</party>
        <state>TN</state>
        <middleName>L.</middleName>
        <district>1</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>K000362</bioguideId>
        <fullName>Rep. King, Steve [R-IA-5]</fullName>
        <firstName>Steve</firstName>
        <lastName>King</lastName>
        <party>R</party>
        <state>IA</state>
        <district>5</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>K000358</bioguideId>
        <fullName>Rep. Kennedy, Mark R. [R-MN-6]</fullName>
        <firstName>MARK</firstName>
        <lastName>KENNEDY</lastName>
        <party>R</party>
        <state>MN</state>
        <middleName>R.</middleName>
        <district>6</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>K000306</bioguideId>
        <fullName>Rep. Kolbe, Jim [R-AZ-8]</fullName>
        <firstName>JIM</firstName>
        <lastName>KOLBE</lastName>
        <party>R</party>
        <state>AZ</state>
        <district>8</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>L000553</bioguideId>
        <fullName>Rep. LaTourette, Steven C. [R-OH-14]</fullName>
        <firstName>STEVEN</firstName>
        <lastName>LATOURETTE</lastName>
        <party>R</party>
        <state>OH</state>
        <middleName>C.</middleName>
        <district>14</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>O000166</bioguideId>
        <fullName>Rep. Otter, C. L. (Butch) [R-ID-1]</fullName>
        <firstName>C. L.</firstName>
        <lastName>OTTER</lastName>
        <party>R</party>
        <state>ID</state>
        <district>1</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>P000555</bioguideId>
        <fullName>Rep. Pryce, Deborah [R-OH-15]</fullName>
        <firstName>DEBORAH</firstName>
        <lastName>PRYCE</lastName>
        <party>R</party>
        <state>OH</state>
        <district>15</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>R000569</bioguideId>
        <fullName>Rep. Reynolds, Thomas M. [R-NY-26]</fullName>
        <firstName>THOMAS</firstName>
        <lastName>REYNOLDS</lastName>
        <party>R</party>
        <state>NY</state>
        <middleName>M.</middleName>
        <district>26</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>R000572</bioguideId>
        <fullName>Rep. Rogers, Mike J. [R-MI-8]</fullName>
        <firstName>Mike</firstName>
        <lastName>Rogers</lastName>
        <party>R</party>
        <state>MI</state>
        <district>8</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>R000487</bioguideId>
        <fullName>Rep. Royce, Edward R. [R-CA-40]</fullName>
        <firstName>ED</firstName>
        <lastName>ROYCE</lastName>
        <party>R</party>
        <state>CA</state>
        <district>40</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>R000566</bioguideId>
        <fullName>Rep. Ryun, Jim [R-KS-2]</fullName>
        <firstName>JIM</firstName>
        <lastName>RYUN</lastName>
        <party>R</party>
        <state>KS</state>
        <district>2</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>S000250</bioguideId>
        <fullName>Rep. Sessions, Pete [R-TX-32]</fullName>
        <firstName>PETE</firstName>
        <lastName>SESSIONS</lastName>
        <party>R</party>
        <state>TX</state>
        <district>32</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>S001148</bioguideId>
        <fullName>Rep. Simpson, Michael K. [R-ID-2]</fullName>
        <firstName>MICHAEL</firstName>
        <lastName>SIMPSON</lastName>
        <party>R</party>
        <state>ID</state>
        <middleName>K.</middleName>
        <district>2</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>S000583</bioguideId>
        <fullName>Rep. Smith, Lamar [R-TX-21]</fullName>
        <firstName>LAMAR</firstName>
        <lastName>SMITH</lastName>
        <party>R</party>
        <state>TX</state>
        <district>21</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>W000119</bioguideId>
        <fullName>Rep. Wamp, Zach [R-TN-3]</fullName>
        <firstName>ZACH</firstName>
        <lastName>WAMP</lastName>
        <party>R</party>
        <state>TN</state>
        <district>3</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>M001139</bioguideId>
        <fullName>Rep. Miller, Gary G. [R-CA-42]</fullName>
        <firstName>GARY</firstName>
        <lastName>MILLER</lastName>
        <party>R</party>
        <state>CA</state>
        <district>42</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>T000459</bioguideId>
        <fullName>Rep. Terry, Lee [R-NE-2]</fullName>
        <firstName>LEE</firstName>
        <lastName>TERRY</lastName>
        <party>R</party>
        <state>NE</state>
        <district>2</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>B000657</bioguideId>
        <fullName>Rep. Boucher, Rick [D-VA-9]</fullName>
        <firstName>RICK</firstName>
        <lastName>BOUCHER</lastName>
        <party>D</party>
        <state>VA</state>
        <district>9</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>A000210</bioguideId>
        <fullName>Rep. Andrews, Robert E. [D-NJ-1]</fullName>
        <firstName>ROBERT</firstName>
        <lastName>ANDREWS</lastName>
        <party>D</party>
        <state>NJ</state>
        <middleName>E.</middleName>
        <district>1</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>G000289</bioguideId>
        <fullName>Rep. Goodlatte, Bob [R-VA-6]</fullName>
        <firstName>ROBERT</firstName>
        <lastName>GOODLATTE</lastName>
        <party>R</party>
        <state>VA</state>
        <middleName>W.</middleName>
        <district>6</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>L000517</bioguideId>
        <fullName>Rep. Lungren, Daniel E. [R-CA-3]</fullName>
        <firstName>DANIEL</firstName>
        <lastName>LUNGREN</lastName>
        <party>R</party>
        <state>CA</state>
        <middleName>EDWARD</middleName>
        <district>3</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>F000447</bioguideId>
        <fullName>Rep. Feeney, Tom [R-FL-24]</fullName>
        <firstName>Tom</firstName>
        <lastName>Feeney</lastName>
        <party>R</party>
        <state>FL</state>
        <district>24</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>L000321</bioguideId>
        <fullName>Rep. Linder, John [R-GA-7]</fullName>
        <firstName>JOHN</firstName>
        <lastName>LINDER</lastName>
        <party>R</party>
        <state>GA</state>
        <district>7</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>B000589</bioguideId>
        <fullName>Rep. Boehner, John A. [R-OH-8]</fullName>
        <firstName>JOHN</firstName>
        <lastName>BOEHNER</lastName>
        <party>R</party>
        <state>OH</state>
        <middleName>A.</middleName>
        <district>8</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>P000585</bioguideId>
        <fullName>Rep. Platts, Todd Russell [R-PA-19]</fullName>
        <firstName>TODD</firstName>
        <lastName>PLATTS</lastName>
        <party>R</party>
        <state>PA</state>
        <middleName>RUSSELL</middleName>
        <district>19</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>O000163</bioguideId>
        <fullName>Rep. Oxley, Michael G. [R-OH-4]</fullName>
        <firstName>MICHAEL</firstName>
        <lastName>OXLEY</lastName>
        <party>R</party>
        <state>OH</state>
        <middleName>G.</middleName>
        <district>4</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>P000587</bioguideId>
        <fullName>Rep. Pence, Mike [R-IN-6]</fullName>
        <firstName>MIKE</firstName>
        <lastName>PENCE</lastName>
        <party>R</party>
        <state>IN</state>
        <district>6</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>L000293</bioguideId>
        <fullName>Rep. Lewis, Ron [R-KY-2]</fullName>
        <firstName>RON</firstName>
        <lastName>LEWIS</lastName>
        <party>R</party>
        <state>KY</state>
        <district>2</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>K000361</bioguideId>
        <fullName>Rep. Keller, Ric [R-FL-8]</fullName>
        <firstName>RIC</firstName>
        <lastName>KELLER</lastName>
        <party>R</party>
        <state>FL</state>
        <district>8</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>F000238</bioguideId>
        <fullName>Rep. Foley, Mark [R-FL-16]</fullName>
        <firstName>MARK</firstName>
        <lastName>FOLEY</lastName>
        <party>R</party>
        <state>FL</state>
        <district>16</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>C001038</bioguideId>
        <fullName>Rep. Crowley, Joseph [D-NY-7]</fullName>
        <firstName>JOSEPH</firstName>
        <lastName>CROWLEY</lastName>
        <party>D</party>
        <state>NY</state>
        <district>7</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>S000510</bioguideId>
        <fullName>Rep. Smith, Adam [D-WA-9]</fullName>
        <firstName>ADAM</firstName>
        <lastName>SMITH</lastName>
        <party>D</party>
        <state>WA</state>
        <district>9</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>B001232</bioguideId>
        <fullName>Rep. Biggert, Judy [R-IL-13]</fullName>
        <firstName>JUDY</firstName>
        <lastName>BIGGERT</lastName>
        <party>R</party>
        <state>IL</state>
        <district>13</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>I000056</bioguideId>
        <fullName>Rep. Issa, Darrell E. [R-CA-49]</fullName>
        <firstName>DARRELL</firstName>
        <lastName>ISSA</lastName>
        <party>R</party>
        <state>CA</state>
        <middleName>E.</middleName>
        <district>49</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>B000072</bioguideId>
        <fullName>Rep. Baker, Richard H. [R-LA-6]</fullName>
        <firstName>RICHARD</firstName>
        <lastName>BAKER</lastName>
        <party>R</party>
        <state>LA</state>
        <middleName>H.</middleName>
        <district>6</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>B001243</bioguideId>
        <fullName>Rep. Blackburn, Marsha [R-TN-7]</fullName>
        <firstName>Marsha</firstName>
        <lastName>Blackburn</lastName>
        <party>R</party>
        <state>TN</state>
        <district>7</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>D000114</bioguideId>
        <fullName>Rep. Davis, Jim [D-FL-11]</fullName>
        <firstName>JIM</firstName>
        <lastName>DAVIS</lastName>
        <party>D</party>
        <state>FL</state>
        <district>11</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>H000762</bioguideId>
        <fullName>Rep. Hooley, Darlene [D-OR-5]</fullName>
        <firstName>DARLENE</firstName>
        <lastName>HOOLEY</lastName>
        <party>D</party>
        <state>OR</state>
        <district>5</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>G000210</bioguideId>
        <fullName>Rep. Gillmor, Paul E. [R-OH-5]</fullName>
        <firstName>PAUL</firstName>
        <lastName>GILLMOR</lastName>
        <party>R</party>
        <state>OH</state>
        <middleName>E.</middleName>
        <district>5</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>D000604</bioguideId>
        <fullName>Rep. Dent, Charles W. [R-PA-15]</fullName>
        <firstName>Charles</firstName>
        <lastName>Dent</lastName>
        <party>R</party>
        <state>PA</state>
        <middleName>W.</middleName>
        <district>15</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>B000208</bioguideId>
        <fullName>Rep. Bartlett, Roscoe G. [R-MD-6]</fullName>
        <firstName>ROSCOE</firstName>
        <lastName>BARTLETT</lastName>
        <party>R</party>
        <state>MD</state>
        <middleName>G.</middleName>
        <district>6</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>B000013</bioguideId>
        <fullName>Rep. Bachus, Spencer [R-AL-6]</fullName>
        <firstName>SPENCER</firstName>
        <lastName>BACHUS</lastName>
        <party>R</party>
        <state>AL</state>
        <district>6</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>N000081</bioguideId>
        <fullName>Rep. Ney, Robert W. [R-OH-18]</fullName>
        <firstName>BOB</firstName>
        <lastName>NEY</lastName>
        <party>R</party>
        <state>OH</state>
        <district>18</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>M001152</bioguideId>
        <fullName>Rep. Musgrave, Marilyn N. [R-CO-4]</fullName>
        <firstName>Marilyn</firstName>
        <lastName>Musgrave</lastName>
        <party>R</party>
        <state>CO</state>
        <middleName>N.</middleName>
        <district>4</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>T000462</bioguideId>
        <fullName>Rep. Tiberi, Patrick J. [R-OH-12]</fullName>
        <firstName>PATRICK</firstName>
        <lastName>TIBERI</lastName>
        <party>R</party>
        <state>OH</state>
        <middleName>J.</middleName>
        <district>12</district>
        <sponsorshipDate>2005-02-09</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>L000169</bioguideId>
        <fullName>Rep. Leach, James A. [R-IA-2]</fullName>
        <firstName>JIM</firstName>
        <lastName>LEACH</lastName>
        <party>R</party>
        <state>IA</state>
        <district>2</district>
        <sponsorshipDate>2005-02-17</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>P000583</bioguideId>
        <fullName>Rep. Paul, Ron [R-TX-14]</fullName>
        <firstName>RON</firstName>
        <lastName>PAUL</lastName>
        <party>R</party>
        <state>TX</state>
        <district>14</district>
        <sponsorshipDate>2005-02-17</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>B001235</bioguideId>
        <fullName>Rep. Brown, Henry E., Jr. [R-SC-1]</fullName>
        <firstName>HENRY</firstName>
        <lastName>BROWN</lastName>
        <party>R</party>
        <state>SC</state>
        <middleName>E.</middleName>
        <district>1</district>
        <sponsorshipDate>2005-02-17</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>M001159</bioguideId>
        <fullName>Rep. McMorris, Cathy [R-WA-5]</fullName>
        <firstName>Cathy</firstName>
        <lastName>McMorris</lastName>
        <party>R</party>
        <state>WA</state>
        <district>5</district>
        <sponsorshipDate>2005-02-17</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>R000571</bioguideId>
        <fullName>Rep. Rehberg, Dennis R. [R-MT-At Large]</fullName>
        <firstName>DENNIS</firstName>
        <lastName>REHBERG</lastName>
        <party>R</party>
        <state>MT</state>
        <middleName>R.</middleName>
        <district>0</district>
        <sponsorshipDate>2005-02-17</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>B001250</bioguideId>
        <fullName>Rep. Bishop, Rob [R-UT-1]</fullName>
        <firstName>Rob</firstName>
        <lastName>Bishop</lastName>
        <party>R</party>
        <state>UT</state>
        <district>1</district>
        <sponsorshipDate>2005-02-17</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>F000444</bioguideId>
        <fullName>Rep. Flake, Jeff [R-AZ-6]</fullName>
        <firstName>JEFF</firstName>
        <lastName>FLAKE</lastName>
        <party>R</party>
        <state>AZ</state>
        <district>6</district>
        <sponsorshipDate>2005-02-17</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>K000220</bioguideId>
        <fullName>Rep. Kingston, Jack [R-GA-1]</fullName>
        <firstName>JACK</firstName>
        <lastName>KINGSTON</lastName>
        <party>R</party>
        <state>GA</state>
        <district>1</district>
        <sponsorshipDate>2005-02-17</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>G000021</bioguideId>
        <fullName>Rep. Gallegly, Elton [R-CA-24]</fullName>
        <firstName>ELTON</firstName>
        <lastName>GALLEGLY</lastName>
        <party>R</party>
        <state>CA</state>
        <district>24</district>
        <sponsorshipDate>2005-02-17</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>T000458</bioguideId>
        <fullName>Rep. Tancredo, Thomas G. [R-CO-6]</fullName>
        <firstName>THOMAS</firstName>
        <lastName>TANCREDO</lastName>
        <party>R</party>
        <state>CO</state>
        <middleName>G.</middleName>
        <district>6</district>
        <sponsorshipDate>2005-02-17</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>P000323</bioguideId>
        <fullName>Rep. Pickering, Charles W. "Chip" [R-MS-3]</fullName>
        <firstName>CHARLES</firstName>
        <lastName>PICKERING</lastName>
        <party>R</party>
        <state>MS</state>
        <middleName>W.</middleName>
        <district>3</district>
        <sponsorshipDate>2005-02-17</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>M001157</bioguideId>
        <fullName>Rep. McCaul, Michael T. [R-TX-10]</fullName>
        <firstName>Michael</firstName>
        <lastName>McCaul</lastName>
        <party>R</party>
        <state>TX</state>
        <middleName>T.</middleName>
        <district>10</district>
        <sponsorshipDate>2005-02-17</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>M001156</bioguideId>
        <fullName>Rep. McHenry, Patrick T. [R-NC-10]</fullName>
        <firstName>Patrick</firstName>
        <lastName>McHenry</lastName>
        <party>R</party>
        <state>NC</state>
        <district>10</district>
        <sponsorshipDate>2005-02-17</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>H000413</bioguideId>
        <fullName>Rep. Hayworth, J. D. [R-AZ-5]</fullName>
        <firstName>J.</firstName>
        <lastName>HAYWORTH</lastName>
        <party>R</party>
        <state>AZ</state>
        <middleName>D.</middleName>
        <district>5</district>
        <sponsorshipDate>2005-02-17</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>E000268</bioguideId>
        <fullName>Rep. Everett, Terry [R-AL-2]</fullName>
        <firstName>TERRY</firstName>
        <lastName>EVERETT</lastName>
        <party>R</party>
        <state>AL</state>
        <district>2</district>
        <sponsorshipDate>2005-02-17</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>U000031</bioguideId>
        <fullName>Rep. Upton, Fred [R-MI-6]</fullName>
        <firstName>FRED</firstName>
        <lastName>UPTON</lastName>
        <party>R</party>
        <state>MI</state>
        <district>6</district>
        <sponsorshipDate>2005-03-09</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>K000288</bioguideId>
        <fullName>Rep. Knollenberg, Joe [R-MI-9]</fullName>
        <firstName>JOE</firstName>
        <lastName>KNOLLENBERG</lastName>
        <party>R</party>
        <state>MI</state>
        <district>9</district>
        <sponsorshipDate>2005-03-09</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>M001150</bioguideId>
        <fullName>Rep. Miller, Candice S. [R-MI-10]</fullName>
        <firstName>Candice</firstName>
        <lastName>Miller</lastName>
        <party>R</party>
        <state>MI</state>
        <middleName>S.</middleName>
        <district>10</district>
        <sponsorshipDate>2005-03-09</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>W000795</bioguideId>
        <fullName>Rep. Wilson, Joe [R-SC-2]</fullName>
        <firstName>Joe</firstName>
        <lastName>Wilson</lastName>
        <party>R</party>
        <state>SC</state>
        <district>2</district>
        <sponsorshipDate>2005-03-09</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>N000143</bioguideId>
        <fullName>Rep. Northup, Anne M. [R-KY-3]</fullName>
        <firstName>ANNE</firstName>
        <lastName>NORTHUP</lastName>
        <party>R</party>
        <state>KY</state>
        <middleName>M.</middleName>
        <district>3</district>
        <sponsorshipDate>2005-03-09</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>H000676</bioguideId>
        <fullName>Rep. Hoekstra, Peter [R-MI-2]</fullName>
        <firstName>PETER</firstName>
        <lastName>HOEKSTRA</lastName>
        <party>R</party>
        <state>MI</state>
        <district>2</district>
        <sponsorshipDate>2005-03-09</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>C001055</bioguideId>
        <fullName>Rep. Case, Ed [D-HI-2]</fullName>
        <firstName>Ed</firstName>
        <lastName>Case</lastName>
        <party>D</party>
        <state>HI</state>
        <district>2</district>
        <sponsorshipDate>2005-03-09</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>S001143</bioguideId>
        <fullName>Rep. Souder, Mark E. [R-IN-3]</fullName>
        <firstName>MARK</firstName>
        <lastName>SOUDER</lastName>
        <party>R</party>
        <state>IN</state>
        <middleName>EDWARD</middleName>
        <district>3</district>
        <sponsorshipDate>2005-03-09</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>W000267</bioguideId>
        <fullName>Rep. Weldon, Dave [R-FL-15]</fullName>
        <firstName>DAVE</firstName>
        <lastName>WELDON</lastName>
        <party>R</party>
        <state>FL</state>
        <district>15</district>
        <sponsorshipDate>2005-03-17</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>S000303</bioguideId>
        <fullName>Rep. Shaw, E. Clay, Jr. [R-FL-22]</fullName>
        <firstName>E.</firstName>
        <lastName>SHAW</lastName>
        <party>R</party>
        <state>FL</state>
        <middleName>CLAY</middleName>
        <district>22</district>
        <sponsorshipDate>2005-03-17</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>D000299</bioguideId>
        <fullName>Rep. Diaz-Balart, Lincoln [R-FL-21]</fullName>
        <firstName>LINCOLN</firstName>
        <lastName>DIAZ-BALART</lastName>
        <party>R</party>
        <state>FL</state>
        <district>21</district>
        <sponsorshipDate>2005-03-17</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>I000047</bioguideId>
        <fullName>Rep. Istook, Ernest J., Jr. [R-OK-5]</fullName>
        <firstName>ERNEST</firstName>
        <lastName>ISTOOK</lastName>
        <party>R</party>
        <state>OK</state>
        <middleName>JIM</middleName>
        <district>5</district>
        <sponsorshipDate>2005-03-17</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>M001142</bioguideId>
        <fullName>Rep. Matheson, Jim [D-UT-2]</fullName>
        <firstName>JIM</firstName>
        <lastName>MATHESON</lastName>
        <party>D</party>
        <state>UT</state>
        <district>2</district>
        <sponsorshipDate>2005-03-17</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
    </cosponsors>
    <notes>
      <item>
        <text><![CDATA[For further action, see S.256, which became Public Law 109-8 on 4/20/2005.]]></text>
      </item>
    </notes>
    <policyArea>
      <name>Finance and Financial Sector</name>
    </policyArea>
    <subjects>
      <legislativeSubjects>
        <item>
          <name>Accounting</name>
        </item>
        <item>
          <name>Administrative procedure</name>
        </item>
        <item>
          <name>Advertising</name>
        </item>
        <item>
          <name>Agriculture and Food</name>
        </item>
        <item>
          <name>Alabama</name>
        </item>
        <item>
          <name>Alimony</name>
        </item>
        <item>
          <name>Alternative dispute resolution</name>
        </item>
        <item>
          <name>Animals</name>
        </item>
        <item>
          <name>Appellate courts</name>
        </item>
        <item>
          <name>Appellate procedure</name>
        </item>
        <item>
          <name>Aquaculture</name>
        </item>
        <item>
          <name>Auditing</name>
        </item>
        <item>
          <name>Automobiles</name>
        </item>
        <item>
          <name>Bank failures</name>
        </item>
        <item>
          <name>Bank records</name>
        </item>
        <item>
          <name>Bankruptcy</name>
        </item>
        <item>
          <name>Bankruptcy courts</name>
        </item>
        <item>
          <name>Books</name>
        </item>
        <item>
          <name>Branch banking</name>
        </item>
        <item>
          <name>Brokers</name>
        </item>
        <item>
          <name>Business records</name>
        </item>
        <item>
          <name>California</name>
        </item>
        <item>
          <name>Caregivers</name>
        </item>
        <item>
          <name>Cemeteries and funerals</name>
        </item>
        <item>
          <name>Change of venue</name>
        </item>
        <item>
          <name>Charities</name>
        </item>
        <item>
          <name>Child health</name>
        </item>
        <item>
          <name>Child support</name>
        </item>
        <item>
          <name>Chronically ill</name>
        </item>
        <item>
          <name>Civil Rights and Liberties, Minority Issues</name>
        </item>
        <item>
          <name>Civil actions and liability</name>
        </item>
        <item>
          <name>Civil service retirement</name>
        </item>
        <item>
          <name>Close corporations</name>
        </item>
        <item>
          <name>Clothing</name>
        </item>
        <item>
          <name>Collection of accounts</name>
        </item>
        <item>
          <name>College costs</name>
        </item>
        <item>
          <name>Commerce</name>
        </item>
        <item>
          <name>Compensation for victims of crime</name>
        </item>
        <item>
          <name>Conflict of interests</name>
        </item>
        <item>
          <name>Congress</name>
        </item>
        <item>
          <name>Congressional investigations</name>
        </item>
        <item>
          <name>Congressional reporting requirements</name>
        </item>
        <item>
          <name>Consumer credit</name>
        </item>
        <item>
          <name>Consumer education</name>
        </item>
        <item>
          <name>Consumer goods</name>
        </item>
        <item>
          <name>Consumer protection</name>
        </item>
        <item>
          <name>Contracts</name>
        </item>
        <item>
          <name>Cooperative housing</name>
        </item>
        <item>
          <name>Corporate debt</name>
        </item>
        <item>
          <name>Corporate reorganizations</name>
        </item>
        <item>
          <name>Counseling</name>
        </item>
        <item>
          <name>Court records</name>
        </item>
        <item>
          <name>Credit cards</name>
        </item>
        <item>
          <name>Credit unions</name>
        </item>
        <item>
          <name>Crime and Law Enforcement</name>
        </item>
        <item>
          <name>Criminal investigation</name>
        </item>
        <item>
          <name>Curricula</name>
        </item>
        <item>
          <name>Custody of children</name>
        </item>
        <item>
          <name>Damages</name>
        </item>
        <item>
          <name>Data banks</name>
        </item>
        <item>
          <name>Debit cards</name>
        </item>
        <item>
          <name>Debt limit</name>
        </item>
        <item>
          <name>Debtor and creditor</name>
        </item>
        <item>
          <name>Delaware</name>
        </item>
        <item>
          <name>Department of Justice</name>
        </item>
        <item>
          <name>Deposit insurance</name>
        </item>
        <item>
          <name>Derivative securities</name>
        </item>
        <item>
          <name>Disabled</name>
        </item>
        <item>
          <name>District courts</name>
        </item>
        <item>
          <name>Divorce</name>
        </item>
        <item>
          <name>Driver licenses</name>
        </item>
        <item>
          <name>Drug abuse</name>
        </item>
        <item>
          <name>Drug traffic</name>
        </item>
        <item>
          <name>Drunk driving</name>
        </item>
        <item>
          <name>Easements</name>
        </item>
        <item>
          <name>Economics and Public Finance</name>
        </item>
        <item>
          <name>Education</name>
        </item>
        <item>
          <name>Education savings accounts</name>
        </item>
        <item>
          <name>Electronic commerce</name>
        </item>
        <item>
          <name>Electronic government information</name>
        </item>
        <item>
          <name>Elementary and secondary education</name>
        </item>
        <item>
          <name>Elementary education</name>
        </item>
        <item>
          <name>Employee benefit plans</name>
        </item>
        <item>
          <name>Energy</name>
        </item>
        <item>
          <name>Eviction</name>
        </item>
        <item>
          <name>Evidence (Law)</name>
        </item>
        <item>
          <name>Excise tax</name>
        </item>
        <item>
          <name>Families</name>
        </item>
        <item>
          <name>Family farms</name>
        </item>
        <item>
          <name>Family violence</name>
        </item>
        <item>
          <name>Farm income</name>
        </item>
        <item>
          <name>Farm produce</name>
        </item>
        <item>
          <name>Farmers</name>
        </item>
        <item>
          <name>Federal Deposit Insurance Corporation</name>
        </item>
        <item>
          <name>Federal Reserve System</name>
        </item>
        <item>
          <name>Federal advisory bodies</name>
        </item>
        <item>
          <name>Federal law enforcement officers</name>
        </item>
        <item>
          <name>Federally-assisted loans</name>
        </item>
        <item>
          <name>Federally-guaranteed loans</name>
        </item>
        <item>
          <name>Financial planning</name>
        </item>
        <item>
          <name>Financial statements</name>
        </item>
        <item>
          <name>Fines (Penalties)</name>
        </item>
        <item>
          <name>Fisheries</name>
        </item>
        <item>
          <name>Fishing boats</name>
        </item>
        <item>
          <name>Florida</name>
        </item>
        <item>
          <name>Foreclosure</name>
        </item>
        <item>
          <name>Foreign Trade and International Finance</name>
        </item>
        <item>
          <name>Foreign banks and banking</name>
        </item>
        <item>
          <name>Fraud</name>
        </item>
        <item>
          <name>Fringe benefits</name>
        </item>
        <item>
          <name>Frivolous lawsuits</name>
        </item>
        <item>
          <name>Fuel</name>
        </item>
        <item>
          <name>Futures trading</name>
        </item>
        <item>
          <name>Georgia</name>
        </item>
        <item>
          <name>Government Operations and Politics</name>
        </item>
        <item>
          <name>Government corporations</name>
        </item>
        <item>
          <name>Government paperwork</name>
        </item>
        <item>
          <name>Government publicity</name>
        </item>
        <item>
          <name>Government trust funds</name>
        </item>
        <item>
          <name>Governmental investigations</name>
        </item>
        <item>
          <name>Health</name>
        </item>
        <item>
          <name>Health care industry</name>
        </item>
        <item>
          <name>Health facilities</name>
        </item>
        <item>
          <name>Health insurance</name>
        </item>
        <item>
          <name>Higher education</name>
        </item>
        <item>
          <name>Home care services</name>
        </item>
        <item>
          <name>Homeowners' associations</name>
        </item>
        <item>
          <name>Homestead law</name>
        </item>
        <item>
          <name>Hospitals</name>
        </item>
        <item>
          <name>Households</name>
        </item>
        <item>
          <name>Housing and Community Development</name>
        </item>
        <item>
          <name>Housing finance</name>
        </item>
        <item>
          <name>Identification devices</name>
        </item>
        <item>
          <name>Immigration</name>
        </item>
        <item>
          <name>Income</name>
        </item>
        <item>
          <name>Income tax</name>
        </item>
        <item>
          <name>Individual retirement accounts</name>
        </item>
        <item>
          <name>Injunctions</name>
        </item>
        <item>
          <name>Interest</name>
        </item>
        <item>
          <name>Interest rates</name>
        </item>
        <item>
          <name>International Affairs</name>
        </item>
        <item>
          <name>International cooperation</name>
        </item>
        <item>
          <name>Internet</name>
        </item>
        <item>
          <name>Investment banking</name>
        </item>
        <item>
          <name>Investors</name>
        </item>
        <item>
          <name>Judges</name>
        </item>
        <item>
          <name>Judicial districts</name>
        </item>
        <item>
          <name>Judicial review</name>
        </item>
        <item>
          <name>Judicial statistics</name>
        </item>
        <item>
          <name>Judicial tenure</name>
        </item>
        <item>
          <name>Jurisdiction</name>
        </item>
        <item>
          <name>Labor and Employment</name>
        </item>
        <item>
          <name>Landlord and tenant</name>
        </item>
        <item>
          <name>Law</name>
        </item>
        <item>
          <name>Leases</name>
        </item>
        <item>
          <name>Legal education</name>
        </item>
        <item>
          <name>Legal ethics</name>
        </item>
        <item>
          <name>Legal fees</name>
        </item>
        <item>
          <name>Legislation</name>
        </item>
        <item>
          <name>Licenses</name>
        </item>
        <item>
          <name>Liens</name>
        </item>
        <item>
          <name>Limitation of actions</name>
        </item>
        <item>
          <name>Livestock</name>
        </item>
        <item>
          <name>Loan defaults</name>
        </item>
        <item>
          <name>Loans</name>
        </item>
        <item>
          <name>Local employees</name>
        </item>
        <item>
          <name>Local finance</name>
        </item>
        <item>
          <name>Local taxation</name>
        </item>
        <item>
          <name>Long-term care</name>
        </item>
        <item>
          <name>Margins (Security trading)</name>
        </item>
        <item>
          <name>Marine and coastal resources, fisheries</name>
        </item>
        <item>
          <name>Marketing</name>
        </item>
        <item>
          <name>Married people</name>
        </item>
        <item>
          <name>Maryland</name>
        </item>
        <item>
          <name>Medical records</name>
        </item>
        <item>
          <name>Medicare</name>
        </item>
        <item>
          <name>Michigan</name>
        </item>
        <item>
          <name>Mississippi</name>
        </item>
        <item>
          <name>Mortgages</name>
        </item>
        <item>
          <name>Negligence</name>
        </item>
        <item>
          <name>Nevada</name>
        </item>
        <item>
          <name>New Jersey</name>
        </item>
        <item>
          <name>New York State</name>
        </item>
        <item>
          <name>North Carolina</name>
        </item>
        <item>
          <name>Nursing homes</name>
        </item>
        <item>
          <name>Ombudsman</name>
        </item>
        <item>
          <name>Options (Contract)</name>
        </item>
        <item>
          <name>Partnerships</name>
        </item>
        <item>
          <name>Passports</name>
        </item>
        <item>
          <name>Paternity</name>
        </item>
        <item>
          <name>Patients' rights</name>
        </item>
        <item>
          <name>Pennsylvania</name>
        </item>
        <item>
          <name>Pension funds</name>
        </item>
        <item>
          <name>Personal budgets</name>
        </item>
        <item>
          <name>Photography</name>
        </item>
        <item>
          <name>Professional fees</name>
        </item>
        <item>
          <name>Profit</name>
        </item>
        <item>
          <name>Property insurance</name>
        </item>
        <item>
          <name>Property tax</name>
        </item>
        <item>
          <name>Public prosecutors</name>
        </item>
        <item>
          <name>Public utilities</name>
        </item>
        <item>
          <name>Puerto Rico</name>
        </item>
        <item>
          <name>Punitive damages</name>
        </item>
        <item>
          <name>Quality of care</name>
        </item>
        <item>
          <name>Real estate appraisal</name>
        </item>
        <item>
          <name>Real property</name>
        </item>
        <item>
          <name>Recognition (International law)</name>
        </item>
        <item>
          <name>Rental housing</name>
        </item>
        <item>
          <name>Retiree health benefits</name>
        </item>
        <item>
          <name>Right of privacy</name>
        </item>
        <item>
          <name>Science, Technology, Communications</name>
        </item>
        <item>
          <name>Secondary education</name>
        </item>
        <item>
          <name>Securities</name>
        </item>
        <item>
          <name>Securities fraud</name>
        </item>
        <item>
          <name>Securities regulation</name>
        </item>
        <item>
          <name>Separation (Law)</name>
        </item>
        <item>
          <name>Severance pay</name>
        </item>
        <item>
          <name>Small business</name>
        </item>
        <item>
          <name>Social Welfare</name>
        </item>
        <item>
          <name>Social security numbers</name>
        </item>
        <item>
          <name>South Carolina</name>
        </item>
        <item>
          <name>State courts</name>
        </item>
        <item>
          <name>State employees</name>
        </item>
        <item>
          <name>State taxation</name>
        </item>
        <item>
          <name>Stock exchanges</name>
        </item>
        <item>
          <name>Stockholders</name>
        </item>
        <item>
          <name>Stocks</name>
        </item>
        <item>
          <name>Storage</name>
        </item>
        <item>
          <name>Student loan funds</name>
        </item>
        <item>
          <name>Students</name>
        </item>
        <item>
          <name>Support of dependents</name>
        </item>
        <item>
          <name>Surety and fidelity</name>
        </item>
        <item>
          <name>Swaps (Finance)</name>
        </item>
        <item>
          <name>Tariff</name>
        </item>
        <item>
          <name>Tax administration</name>
        </item>
        <item>
          <name>Tax courts</name>
        </item>
        <item>
          <name>Tax deductions</name>
        </item>
        <item>
          <name>Tax evasion</name>
        </item>
        <item>
          <name>Tax exclusion</name>
        </item>
        <item>
          <name>Tax liens</name>
        </item>
        <item>
          <name>Tax penalties</name>
        </item>
        <item>
          <name>Tax preparers</name>
        </item>
        <item>
          <name>Tax refunds</name>
        </item>
        <item>
          <name>Tax returns</name>
        </item>
        <item>
          <name>Tax-deferred compensation plans</name>
        </item>
        <item>
          <name>Tax-exempt organizations</name>
        </item>
        <item>
          <name>Taxation</name>
        </item>
        <item>
          <name>Teaching materials</name>
        </item>
        <item>
          <name>Telephone</name>
        </item>
      </legislativeSubjects>
      <policyArea>
        <name>Finance and Financial Sector</name>
      </policyArea>
    </subjects>
    <summaries>
      <summary>
        <versionCode>00</versionCode>
        <actionDate>2005-02-09</actionDate>
        <actionDesc>Introduced in House</actionDesc>
        <updateDate>2005-03-01T15:54:10Z</updateDate>
        <text><![CDATA[ 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. <p>Reenacts Chapter 12, Adjustment of Debts of a Family Farmer with Regular Annual Income.<p>Brings family fishermen within the purview of Federal bankruptcy protection.<p>Prescribes guidelines for insolvent health care businesses and related patients' rights. <p>Bankruptcy Judgeship Act of 2005 - Amends the Federal Judicial Code to mandate appointments for additional temporary bankruptcy judgeships in designated States. <p>Prescribes additional consumer credit disclosures, including open end credit plans and introductory rates.]]></text>
      </summary>
    </summaries>
    <title>Bankruptcy Abuse Prevention and Consumer Protection Act of 2005</title>
    <titles>
      <item>
        <titleType>Short Titles as Introduced</titleType>
        <title>Bankruptcy Abuse Prevention and Consumer Protection Act of 2005</title>
      </item>
      <item>
        <titleType>Short Titles as Introduced for portions of this bill</titleType>
        <title>Bankruptcy Judgeship Act of 2005</title>
      </item>
      <item>
        <titleType>Display Title</titleType>
        <title>Bankruptcy Abuse Prevention and Consumer Protection Act of 2005</title>
      </item>
      <item>
        <titleType>Official Title as Introduced</titleType>
        <title>To amend title 11 of the United States Code, and for other purposes.</title>
      </item>
    </titles>
    <textVersions>
      <item>
        <type>Introduced in House</type>
        <date>2005-02-09T05:00:00Z</date>
        <formats/>
      </item>
    </textVersions>
    <latestAction>
      <actionDate>2005-05-13</actionDate>
      <text>Referred to the Subcommittee on Financial Institutions and Consumer Credit.</text>
    </latestAction>
  </bill>
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    <dc:rights>Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.</dc:rights>
    <dc:contributor>Congressional Research Service, Library of Congress</dc:contributor>
    <dc:description>This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.</dc:description>
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