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    <number>4635</number>
    <updateDate>2025-07-21T19:44:15Z</updateDate>
    <updateDateIncludingText>2025-07-21T19:44:15Z</updateDateIncludingText>
    <originChamber>House</originChamber>
    <originChamberCode>H</originChamberCode>
    <type>HR</type>
    <introducedDate>2023-07-13</introducedDate>
    <congress>118</congress>
    <cdata>
      <constitutionalAuthorityStatementText>&lt;pre&gt;[Congressional Record Volume 169, Number 120 (Thursday, July 13, 2023)][House]From the Congressional Record Online through the Government Publishing Office [&lt;a href="https://www.gpo.gov"&gt;www.gpo.gov&lt;/a&gt;]By Ms. ROSS:H.R. 4635.Congress has the power to enact this legislation pursuantto the following:Article I, Section 8, Clause 18 of the United StatesConstitution.The single subject of this legislation is:To amend the Higher Education Act of 1965 to remove therecord of default on a loan made, insured, or guaranteedunder title IV from a borrower's credit history uponrepayment of the full amount due on such loan.[Page H3577]&lt;/pre&gt;</constitutionalAuthorityStatementText>
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            <date>2023-07-13T14:00:05Z</date>
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        <title>Student Loan Borrower Bill of Rights</title>
        <congress>118</congress>
        <number>3404</number>
        <type>S</type>
        <latestAction>
          <actionDate>2023-12-05</actionDate>
          <text>Read twice and referred to the Committee on Health, Education, Labor, and Pensions. (text: CR S5751-5761)</text>
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        <actionDate>2023-07-13</actionDate>
        <text>Referred to the House Committee on Education and the Workforce.</text>
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    <sponsors>
      <item>
        <bioguideId>R000305</bioguideId>
        <fullName>Rep. Ross, Deborah K. [D-NC-2]</fullName>
        <firstName>Deborah</firstName>
        <lastName>Ross</lastName>
        <party>D</party>
        <state>NC</state>
        <middleName>K.</middleName>
        <district>2</district>
        <isByRequest>N</isByRequest>
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        <fullName>Rep. Stevens, Haley M. [D-MI-11]</fullName>
        <firstName>Haley</firstName>
        <lastName>Stevens</lastName>
        <party>D</party>
        <state>MI</state>
        <middleName>M.</middleName>
        <district>11</district>
        <sponsorshipDate>2023-07-13</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>W000788</bioguideId>
        <fullName>Rep. Williams, Nikema [D-GA-5]</fullName>
        <firstName>Nikema</firstName>
        <lastName>Williams</lastName>
        <party>D</party>
        <state>GA</state>
        <district>5</district>
        <sponsorshipDate>2023-07-13</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>A000370</bioguideId>
        <fullName>Rep. Adams, Alma S. [D-NC-12]</fullName>
        <firstName>Alma</firstName>
        <lastName>Adams</lastName>
        <party>D</party>
        <state>NC</state>
        <middleName>S.</middleName>
        <district>12</district>
        <sponsorshipDate>2023-07-13</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
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        <bioguideId>J000288</bioguideId>
        <fullName>Rep. Johnson, Henry C. "Hank," Jr. [D-GA-4]</fullName>
        <firstName>Henry</firstName>
        <lastName>Johnson</lastName>
        <party>D</party>
        <state>GA</state>
        <middleName>C. "Hank"</middleName>
        <district>4</district>
        <sponsorshipDate>2023-07-26</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>N000147</bioguideId>
        <fullName>Del. Norton, Eleanor Holmes [D-DC-At Large]</fullName>
        <firstName>ELEANOR</firstName>
        <lastName>NORTON</lastName>
        <party>D</party>
        <state>DC</state>
        <middleName>HOLMES</middleName>
        <district>0</district>
        <sponsorshipDate>2023-07-26</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>M001227</bioguideId>
        <fullName>Rep. McClellan, Jennifer L. [D-VA-4]</fullName>
        <firstName>Jennifer</firstName>
        <lastName>McClellan</lastName>
        <party>D</party>
        <state>VA</state>
        <middleName>L.</middleName>
        <district>4</district>
        <sponsorshipDate>2023-08-08</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>D000631</bioguideId>
        <fullName>Rep. Dean, Madeleine [D-PA-4]</fullName>
        <firstName>Madeleine</firstName>
        <lastName>Dean</lastName>
        <party>D</party>
        <state>PA</state>
        <district>4</district>
        <sponsorshipDate>2023-08-29</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>P000618</bioguideId>
        <fullName>Rep. Porter, Katie [D-CA-47]</fullName>
        <firstName>Katie</firstName>
        <lastName>Porter</lastName>
        <party>D</party>
        <state>CA</state>
        <district>47</district>
        <sponsorshipDate>2024-02-06</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
    </cosponsors>
    <policyArea>
      <name>Education</name>
    </policyArea>
    <subjects>
      <legislativeSubjects/>
      <policyArea>
        <name>Education</name>
        <updateDate>2023-08-23T17:15:20Z</updateDate>
      </policyArea>
    </subjects>
    <summaries>
      <summary>
        <versionCode>00</versionCode>
        <actionDate>2023-07-13</actionDate>
        <actionDesc>Introduced in House</actionDesc>
        <updateDate>2023-11-21T20:10:14Z</updateDate>
        <cdata>
          <text>&lt;p&gt;&lt;b&gt;Clean Slate through Repayment Act of &lt;/b&gt;&lt;strong&gt;&lt;/strong&gt;&lt;b&gt;2023&lt;/b&gt;&lt;/p&gt; &lt;p&gt;This bill provides for the removal of any adverse credit history related to a defaulted federal student loan from a borrower's credit history once the borrower has repaid in full the amount due on the loan.&lt;/p&gt;</text>
        </cdata>
      </summary>
    </summaries>
    <title>Clean Slate through Repayment Act of 2023</title>
    <titles>
      <item>
        <titleType>Display Title</titleType>
        <titleTypeCode>45</titleTypeCode>
        <title>Clean Slate through Repayment Act of 2023</title>
        <updateDate>2024-07-24T15:20:59Z</updateDate>
      </item>
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        <titleType>Short Title(s) as Introduced</titleType>
        <titleTypeCode>101</titleTypeCode>
        <title>Clean Slate through Repayment Act of 2023</title>
        <updateDate>2024-05-24T13:37:44Z</updateDate>
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        <titleType>Official Title as Introduced</titleType>
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        <title>To amend the Higher Education Act of 1965 to remove the record of default on a loan made, insured, or guaranteed under title IV from a borrower's credit history upon repayment of the full amount due on such loan.</title>
        <updateDate>2024-03-18T21:09:15Z</updateDate>
        <billTextVersionName>Introduced in House</billTextVersionName>
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        <type>Introduced in House</type>
        <date>2023-07-13T04:00:00Z</date>
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            <url>https://www.govinfo.gov/content/pkg/BILLS-118hr4635ih/xml/BILLS-118hr4635ih.xml</url>
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    <latestAction>
      <actionDate>2023-07-13</actionDate>
      <text>Referred to the House Committee on Education and the Workforce.</text>
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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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