117 S4980 IS: Consumer Bankruptcy Reform Act of 2022
U.S. Senate
2022-09-28
text/xml
EN
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.
1.This Act may be cited as the Consumer Bankruptcy Reform Act of 2022
.2.The table of contents for this Act is as follows:Sec. 1. Short title.Sec. 2. Table of contents.TITLE I—Chapter 10 individual bankruptcySec. 101. Findings and purpose.Sec. 102. Chapter 10 individual bankruptcy.Sec. 103. Repeal of chapter 13.Sec. 104. Other amendments to the Bankruptcy Code.Sec. 105. Data collection.Sec. 106. Electronic signatures.Sec. 107. Judicial education.Sec. 108. Conforming amendments to other laws.TITLE II—Consumer financial protection amendmentsSec. 201. Amendments to the Consumer Financial Protection Act of 2010.Sec. 202. Amendments to the Truth in Lending Act.Sec. 203. Amendments to the Fair Credit Reporting Act.Sec. 204. Amendments to the Equal Credit Opportunity Act.Sec. 205. Amendments to the Fair Debt Collection Practices Act.Sec. 206. Amendments to the Electronic Fund Transfers Act.TITLE III—Bankruptcy rulesSec. 301. Rules Enabling Act amendments.Sec. 302. Bankruptcy rules amendments.Sec. 303. Sense of Congress.TITLE IV—Funding the bankruptcy systemSec. 401. Bankruptcy fees.Sec. 402. Trustee compensation.TITLE V—MiscellaneousSec. 501. Effective date.Sec. 502. Transition.Sec. 503. Severability.<enum>I</enum><header>Chapter 10 individual bankruptcy</header><section id="id6f20349dd066492c82fddcb67d5ac02a"><enum>101.</enum><header>Findings and purpose</header><subsection id="id11fe7f0f481d428fb54078b82616b3eb"><enum>(a)</enum><header>Findings</header><text>Congress finds that—</text><paragraph id="idcf3216a3e7964572a80f97377b11aa3a"><enum>(1)</enum><text>individuals and families are often in financial distress for reasons outside of their control, such as job loss, medical bills, or educational debt, and an effective bankruptcy system not only provides those individuals and families with a fresh start but also ensures that they can participate fully in the United States economy;</text></paragraph><paragraph id="idc1ded80a0d7e43c8b771942471477589"><enum>(2)</enum><text>the Bankruptcy Code was adopted in 1978, and, since then, consumer lending has grown dramatically and been transformed by technology and the preemption of State usury and consumer protection laws for certain types of lenders;</text></paragraph><paragraph id="id3cace5aea4f0463394ad38903419b496"><enum>(3)</enum><text>unnecessary paperwork and overly complex laws increase the cost of bankruptcy and prevent individuals and families in the United States who need help from accessing the bankruptcy system;</text></paragraph><paragraph id="id7aefb765dc1d48859a469cf23e5fe519"><enum>(4)</enum><text>many consumer debtors cannot afford bankruptcy counsel and must instead save up to pay an attorney to file their bankruptcy petitions;</text></paragraph><paragraph id="idb3312b145e6c4a9bae28aeda4f91c5d6"><enum>(5)</enum><text>the dual-track bankruptcy system produces racially disparate outcomes that disadvantage people of color;</text></paragraph><paragraph id="id62c591d0c16b4240a43afbe4ff7ebb5c"><enum>(6)</enum><text>student loan debt burdens are creating distortions in the labor and housing market;</text></paragraph><paragraph id="id489f98a7bf034275a43a3bd82f855219"><enum>(7)</enum><text>the nondischargeability of private student loan debt has not resulted in lower financing costs for student loan borrowers;</text></paragraph><paragraph id="id1721a8e70a3140a7a9b58cee5df9e74d"><enum>(8)</enum><text>the inability of debtors to restructure home mortgage loans has led to unnecessary foreclosures that have created hardships for individuals and families and their communities without reducing costs of mortgage financing;</text></paragraph><paragraph id="id77f0dc114c3c48ff8f801732d72599e4"><enum>(9)</enum><text>individuals and families often rely on their cars to get to work and to get dependents to school and medical appointments but often cannot retain their cars in bankruptcy without paying substantially more than the car is worth;</text></paragraph><paragraph id="id2e4c938b3bdd482d935e6143234b5dd2"><enum>(10)</enum><text>the difficulty of enforcing the discharge injunction has enabled illegal debt collection activity that undercuts the fresh start policy of bankruptcy;</text></paragraph><paragraph id="idF8B4C3D5A6A342BC9FF0BFECE3ED6085"><enum>(11)</enum><text>existing law does not provide a sufficient deterrent to predatory creditors that harm individuals and families in bankruptcy by violating consumer financial laws or failing to comply with bankruptcy rules; and</text></paragraph><paragraph id="idbbec72e647a34bb39df5eb1550e6cec9"><enum>(12)</enum><text>well-counseled, affluent debtors can avoid repaying creditors through asset protection planning.</text></paragraph></subsection><subsection id="id3fdae0f15e954d97a53bbbb75ab78524"><enum>(b)</enum><header>Purpose</header><text>The purpose of the Act is to establish a bankruptcy system that helps individuals and families in the United States regain financial stability and protects against abusive and predatory behavior by—</text><paragraph id="id51646b23e8234c7f89fa8bb925303b17"><enum>(1)</enum><text>streamlining the process of filing for bankruptcy, simplifying court procedures in bankruptcy, and lowering the cost of bankruptcy for both consumers and creditors;</text></paragraph><paragraph id="id7b5beb6c335d40598f99b68ca01e1652"><enum>(2)</enum><text>creating a single-chapter consumer bankruptcy system that allows consumers greater flexibility in addressing their debts and prevents disparate treatment of similarly situated consumers;</text></paragraph><paragraph id="id5BA5B293ADC8441A907238BBC1C76450"><enum>(3)</enum><text>offering consumers more and better options to deal with debts, while ensuring the fair treatment of creditors;</text></paragraph><paragraph id="ide35ce1bfe39b44f39d25ad943c3bf808"><enum>(4)</enum><text>making it easier for consumers to pay an attorney for counsel or representation in a bankruptcy case;</text></paragraph><paragraph id="id43b73d45a89c428ab010867d458b6698"><enum>(5)</enum><text>simplifying the identification and treatment of cases by expanding the number of routine cases that are handled by the court in which there is no chance of a reasonable payment to creditors and reducing paperwork requirements in those routine cases;</text></paragraph><paragraph id="idac0918cc7ed94afd9a4dc78226324793"><enum>(6)</enum><text>allowing the modification of mortgages on all residences;</text></paragraph><paragraph id="idfe0d185313c742eab9585c7f90a0ad03"><enum>(7)</enum><text>allowing the modification of car loans based on the market value of a car;</text></paragraph><paragraph id="id7101d67f090342ae951c4640ff6c516d"><enum>(8)</enum><text>allowing the discharge of student loan debt on equal terms with most other types of debt;</text></paragraph><paragraph id="id5e77f97aaef54bf8953376d189b0577c"><enum>(9)</enum><text>reducing racial, gender, and other harmful disparities in the availability, accessibility, costs, and outcomes with respect to the bankruptcy process;</text></paragraph><paragraph id="id53302bb355494947921e5a53c41e5d0f"><enum>(10)</enum><text>ensuring the fair treatment of claimants for domestic support obligations;</text></paragraph><paragraph id="id3879b7ebdb22456395670fec7f5e9b81"><enum>(11)</enum><text>reducing abusive creditor behavior; and</text></paragraph><paragraph id="idbcb6b9d4b63b4b728b5fb7aa9558268b"><enum>(12)</enum><text>closing bankruptcy loopholes that allow the wealthy to exploit the bankruptcy process.</text></paragraph></subsection></section><section id="idba5ee2d638044853965e1cd6a52eff9a"><enum>102.</enum><header>Chapter 10 individual bankruptcy</header><subsection id="ide8c09b7d24fe4365baf00d2e2cbfb29c"><enum>(a)</enum><header>In general</header><text>Title 11, United States Code, is amended by inserting after section 946 the following:</text><quoted-block style="USC" display-inline="no-display-inline" id="id1cc91cda242e420d94b47deede8240d9"><chapter id="id252c4c19159d4afe8548ea7940a01c4a"><enum>10</enum><header>Individual bankruptcy</header><toc><toc-entry level="subchapter" idref="id2AB603DD7E864EE0A5795DAD29FAFD22">SUBCHAPTER I—General provisions</toc-entry><toc-entry bold="off" level="section">Sec. </toc-entry><toc-entry level="section" idref="id467e54bbdaa842909382b568e0f9e128">1001. Trustee. </toc-entry><toc-entry level="section" idref="id259FB56BD59444C788F020D92BD3B486">1002. Rights and powers of debtor. </toc-entry><toc-entry level="section" idref="idb32725aeafe04f8c918692fa9347ee0e">1003. Debtor engaged in business. </toc-entry><toc-entry level="section" idref="id2de3888e6a3b456c874085d71830b2f9">1004. Possession of property of the estate. </toc-entry><toc-entry level="section" idref="idf6798d167b3044b2918706c1098ab141">1005. Conversion or dismissal. </toc-entry><toc-entry level="section" idref="idb2ba6fbf1828451f92b6c8ba92aca94e">1006. Treatment of certain contracts and leases. </toc-entry><toc-entry level="section" idref="idf28102c418ac4a1699e5c91e761f1d02">1007. Treatment of rental purchase agreements. </toc-entry><toc-entry level="section" idref="id815a62ceb55443a7ba2d5b6b01a9048d">1008. Obtaining credit. </toc-entry><toc-entry level="section" idref="idfedb4991574b4256a429aeef9396ffec">1009. Stay of action against codebtor. </toc-entry><toc-entry level="section" idref="idd3e2a96b6c0a40a88615b567002e40a0">1010. Interpretive principle. </toc-entry><toc-entry level="subchapter" idref="id7d36f3e40cbb4faf80ba2588bccfba73">SUBCHAPTER II—Plans </toc-entry><toc-entry level="section" idref="id68a34cc668b04a08b7f18103ecb35a2a">1021. Filing of plans. </toc-entry><toc-entry level="section" idref="idcb8d3f6b9d214dcebe519781b3953978">1022. Contents of plans. </toc-entry><toc-entry level="section" idref="idfff1b94249c4431baa9b985795101a2f">1023. Plan confirmation hearing. </toc-entry><toc-entry level="section" idref="id799223d68af0462dbfbb11c99b9bc89e">1024. Confirmation of plans. </toc-entry><toc-entry level="section" idref="id89d44db999f64c77a19ddc157c30f506">1025. Payments under a repayment plan. </toc-entry><toc-entry level="section" idref="id0b2ab64ed5404389b36c51f49295b340">1026. Payments under a residence plan or property plan. </toc-entry><toc-entry level="section" idref="idbb051e4cad944e48876ba69c4bfa762b">1027. Protection of lessors and purchase money lenders. </toc-entry><toc-entry level="section" idref="idea93c407d02e402dae48e7c82e65776c">1028. Effect of confirmation. </toc-entry><toc-entry bold="off" level="section">1029. Modification of repayment plan.</toc-entry><toc-entry level="subchapter" idref="iddca588d5ca10466daf9efc6fec2deafc">SUBCHAPTER III—Discharge </toc-entry><toc-entry level="section" idref="id15ab815232fe4492828cadfee927c031">1031. Discharge; scope and timing. </toc-entry><toc-entry level="section" idref="id793239faecb9408cae6e0ef029afdf5f">1032. Revocation of discharge or order of confirmation. </toc-entry><toc-entry level="subchapter" idref="idae40d8187acd4daaa18f498e4bf1af8d">SUBCHAPTER IV—Avoidance actions </toc-entry><toc-entry level="section" idref="id869b165075ab4f5cbde8176d8f506a65">1041. Treatment of certain liens. </toc-entry><toc-entry level="section" idref="id2165448eb70d4e8db00d08a84aff27cf">1042. Limitations on avoidance actions. </toc-entry><toc-entry level="subchapter">SUBCHAPTER V—Limited proceedings </toc-entry><toc-entry level="section" idref="id9a9a28f8c203486c9484d479d78386ce">1051. Election of limited proceeding. </toc-entry><toc-entry level="section" idref="id74bd040fc00a43ea8d45fe9c315e2b0f">1052. Effect of limited proceeding. </toc-entry><toc-entry level="section" idref="id62fab76d70c844b3a590c75dc03756f3">1053. Dismissal or conversion of limited proceedings. </toc-entry></toc><subchapter commented="no" level-type="subsequent" id="id2AB603DD7E864EE0A5795DAD29FAFD22"><enum>I</enum><header display-inline="yes-display-inline">General provisions</header><section id="id467e54bbdaa842909382b568e0f9e128"><enum>1001.</enum><header>Trustee</header><subsection id="iddc0488de98a341428cbe1811c8b52f0d"><enum>(a)</enum><header>Appointment</header><text>Except as provided by section 1052, in a case under this chapter, the United States trustee—</text><paragraph id="idb6ec31193a4841f785597271563ee390"><enum>(1)</enum><text>shall appoint 1 disinterested individual to serve as trustee from the panel of private trustees under section 586(a) of title 28 or a standing trustee under subsection (b) of that section who meets the requirements of a trustee under section 522 of this title; or</text></paragraph><paragraph id="id53d9fe30cb3847ee95d5d7011fb5398d"><enum>(2)</enum><text>may serve as trustee.</text></paragraph></subsection><subsection id="id1d3dcd13f75d4d0b80c06521ab45cf95"><enum>(b)</enum><header>Duties</header><text>The trustee shall—</text><paragraph id="idd4f2b25010a34d64822bbc06750e41d6"><enum>(1)</enum><text>perform the duties required under paragraphs (2) through (5) and (7) of section 704;</text></paragraph><paragraph id="id699e4373757845a596d692d8d219a3d6"><enum>(2)</enum><text>appear and be heard at any hearing that concerns—</text><subparagraph id="idbf9d66e5b1e742f7982c607786152cb4"><enum>(A)</enum><text>the value of property subject to a lien; or</text></subparagraph><subparagraph id="id066fae324cb346c7b46e4508cd3330d6"><enum>(B)</enum><text>confirmation of a repayment plan, a residence plan, or a property plan;</text></subparagraph></paragraph><paragraph id="idd768841d00ab460b8ad21bb4344e97a9"><enum>(3)</enum><text>advise, other than on legal matters, and assist the debtor in the formulation of, and performance under, any plan;</text></paragraph><paragraph id="idd103221c6004415594ab9dee0a8fbdb1"><enum>(4)</enum><text>ensure that the debtor commences making timely payments under section 1025;</text></paragraph><paragraph id="id66ba9a6fa21144ffabb4f40d8a108c29"><enum>(5)</enum><text>in the case of a debtor against whom there is a claim for a domestic support obligation, provide the notices required under subsection (d); and</text></paragraph><paragraph id="id37c4ae1ce74a4a65b0c1b7377925676a"><enum>(6)</enum><text>in the case of a debtor engaged in business as described in section 1003(a), perform the duties required under paragraphs (3) and (4) of section 1106(a).</text></paragraph></subsection><subsection id="id3bde2cdf292a42dbb7d340cc0b495afb"><enum>(c)</enum><header>Prohibitions</header><text>The trustee may not—</text><paragraph id="ida8af5c6f02684832934ae2054afd4e9e"><enum>(1)</enum><text>serve as an advocate for debtors or creditors;</text></paragraph><paragraph id="id893c40dc230b4d1eb222703f57015e89"><enum>(2)</enum><text>advise debtors or creditors on legal matters; or</text></paragraph><paragraph id="id9b7f0175e2934f9eb58b304b3832841e"><enum>(3)</enum><text>raise an objection to a plan filed under section 1021 solely on the basis of the treatment of a secured claim under the plan.</text></paragraph></subsection><subsection id="id1d11161f08524fbea886549913e31a18"><enum>(d)</enum><header>Domestic support claim notice</header><paragraph id="ideabd34bbda9741648d764257ae99d03d"><enum>(1)</enum><header>Definition of state or local child support enforcement agency</header><text>In this subsection, the term <term>State or local child support enforcement agency</term> means any agency of a State or political subdivision thereof operating pursuant to a plan described in section 454 of the Social Security Act (<external-xref legal-doc="usc" parsable-cite="usc/42/654">42 U.S.C. 654</external-xref>) that has been approved by the Secretary of Health and Human Services under part D of title IV of such Act (<external-xref legal-doc="usc" parsable-cite="usc/42/651">42 U.S.C. 651 et seq.</external-xref>).</text></paragraph><paragraph id="id8e004d1e4ef8436580f5d318fcb18dd8"><enum>(2)</enum><header>Additional duties</header><text>In the case of a debtor against whom there is a claim for a domestic support obligation, the trustee shall—</text><subparagraph id="id5057f768a45643a68cde8b439c055dee"><enum>(A)</enum><text>provide written notice of the claim to the holder of the domestic support obligation that includes—</text><clause id="id0bfcd160f5d7443fb7720b75f7eba79f"><enum>(i)</enum><text>a notice of the right of the holder to use the services of a State or local child support enforcement agency for assistance in collecting child support during and after the case; and</text></clause><clause id="id99bd396cba69476bae42bed33c63f9cf"><enum>(ii)</enum><text>the address and telephone number of the State or local child support enforcement agency of the State or political subdivision thereof in which the holder resides;</text></clause></subparagraph><subparagraph id="id4f0a897136b146949cf56945bf2a0c0d"><enum>(B)</enum><text>provide written notice of the claim to the State or local child support enforcement agency of the State or political subdivision thereof in which the holder resides that includes the name, address, and telephone number of the holder of the domestic support obligation; and</text></subparagraph><subparagraph id="ida235a14953da42e6ab2d07d55a7c9a8b"><enum>(C)</enum><text>on the date on which the debtor is granted a discharge under section 1031, provide written notice to the holder of the domestic support obligation and the State or local child support enforcement agency of the State or political subdivision thereof in which the holder resides of—</text><clause id="idee4a7f699f9443268e66c8b49aea87ed"><enum>(i)</enum><text>the granting of the discharge;</text></clause><clause id="iddcaeb3919f7648d5977279bbfc113e9a"><enum>(ii)</enum><text>the most recent known address of the debtor;</text></clause><clause id="ideeaa7c9ed9454107896423a45c072a99"><enum>(iii)</enum><text>the most recent known name and address of the most recent known employer of the debtor; and</text></clause><clause id="id731f991c6ce24565a3a4826f2ec14d83"><enum>(iv)</enum><text>the name of each creditor that holds a claim that is not discharged under paragraph (2) or (4) of section 523(a).</text></clause></subparagraph></paragraph><paragraph id="id2c3e4f79b86443a882c374df26fcbb98"><enum>(3)</enum><header>Address request</header><subparagraph id="id78f42dd8147c47c09b3bc197790ecdb1"><enum>(A)</enum><header>In general</header><text>The holder of a claim for domestic support against the debtor or a State or local child support enforcement agency of the State or political subdivision thereof in which the holder resides may request from a creditor described in paragraph (2)(C)(iv) the most recent known address of the debtor.</text></subparagraph><subparagraph id="id9f9e05c1775e439780131cfe67d8e284"><enum>(B)</enum><header>No liability</header><text>Notwithstanding any other provision of law, a creditor that makes a disclosure in connection with a request made under subparagraph (A) shall not be liable for making the disclosure.</text></subparagraph></paragraph></subsection></section><section id="id259FB56BD59444C788F020D92BD3B486"><enum>1002.</enum><header>Rights and powers of debtor</header><subsection id="iddf36a277b4d84e339413cd333d2f9a90"><enum>(a)</enum><header>In general</header><text>Subject to any limitations of a trustee under this chapter, the debtor shall have, exclusive of the trustee, the rights and powers of a trustee under—</text><paragraph id="idC22E172B2CD74FBEA27A4D950D10130B"><enum>(1)</enum><text>subsections (b), (c), (d), (f), and (l) of section 363; and</text></paragraph><paragraph id="id32A6A9201485449884870C3C2C540CAF"><enum>(2)</enum><text>section 364.</text></paragraph></subsection><subsection id="idc9903168b514431f9b0a460f44d5ec83"><enum>(b)</enum><header>Avoidance of transfers</header><text>The debtor may avoid a transfer of property of the debtor or recover a setoff if—</text><paragraph id="id1ce30ee72e8f495b93ea59008f8cef9b"><enum>(1)</enum><subparagraph commented="no" display-inline="yes-display-inline" id="id9D1809D374214C87926F0BD1DFCDEDEE"><enum>(A)</enum><text>the transfer is avoidable by the trustee under section 544, 545, 547, 548, 549, or 1041 or recoverable by the trustee under section 553; and</text></subparagraph><subparagraph id="id4c8f8cb508ce461ab7fb2e81394df04e" indent="up1"><enum>(B)</enum><text>the trustee does not attempt to avoid the transfer; or</text></subparagraph></paragraph><paragraph id="id1E5C5284D39F4EB1AF8D4B321F8B26E5"><enum>(2)</enum><text>section 1042 prohibits the trustee from avoiding the transfer.</text></paragraph></subsection></section><section id="idb32725aeafe04f8c918692fa9347ee0e"><enum>1003.</enum><header>Debtor engaged in business</header><subsection id="id47b53821579b41cca3c137d0e2ff5f7d"><enum>(a)</enum><header>In general</header><text>For the purposes of this chapter, a debtor is engaged in business if the debtor is—</text><paragraph id="idFDE8BA7AFFE04BFBBCDE7610CD2B49DD"><enum>(1)</enum><text>self-employed; and</text></paragraph><paragraph id="id13CF10C005BC457A9D7A8A238C8C3343"><enum>(2)</enum><text>required to withhold taxes under <external-xref legal-doc="usc" parsable-cite="usc/26/3402">section 3402</external-xref> of the Internal Revenue Code of 1986.</text></paragraph></subsection><subsection id="iddd7f5af10d1942f59f690f78904b8ce5"><enum>(b)</enum><header>Rights</header><text>Unless the court orders otherwise, a debtor engaged in business may operate the business of the debtor and, subject to any limitations on a trustee under sections 363(c) and 364 and to such limitations or conditions as the court prescribes, shall have, exclusive of the trustee, the rights and powers of the trustee under such sections.</text></subsection><subsection id="id8680bbda208f4db39b4f38feb0aaf6be"><enum>(c)</enum><header>Duties</header><text>A debtor engaged in business—</text><paragraph id="id7CCE56FEFB9048A0BD8D3C46FD415E99"><enum>(1)</enum><text>shall perform the duties of the trustee required under section 704(7); and</text></paragraph><paragraph id="id583F91D53836490DB3424CFB276DAB71"><enum>(2)</enum><text>is not subject to the provisions of section 308.</text></paragraph></subsection></section><section id="id2de3888e6a3b456c874085d71830b2f9"><enum>1004.</enum><header>Possession of property of the estate</header><text display-inline="no-display-inline">The debtor shall remain in possession of all property of the estate, unless—</text><paragraph id="id390e7cc201374fb3bcbffa94998b14dd"><enum>(1)</enum><text>a confirmed plan or an order confirming a plan provides otherwise; or</text></paragraph><paragraph id="id65ca77d5d34f43f38d1ddb1bf8d7e0cd"><enum>(2)</enum><text>the court, for cause, orders otherwise.</text></paragraph></section><section id="idf6798d167b3044b2918706c1098ab141"><enum>1005.</enum><header>Conversion or dismissal</header><subsection id="ida72e293121c946699b4ea844036c6e1f"><enum>(a)</enum><header>Conversion on request of debtor</header><text>At any time, the debtor may convert a case under this chapter to a case under—</text><paragraph id="id14d5b59f210d4a3eb7e92d34b3d1748d"><enum>(1)</enum><text>chapter 11, if the debtor is eligible under section 109(e); or</text></paragraph><paragraph id="idb1e3571422244c3b9f400f83f323fcf4"><enum>(2)</enum><text>chapter 12, if the debtor is eligible under section 109(f).</text></paragraph></subsection><subsection id="id9e458bb0a598454b99418a26244dcf68"><enum>(b)</enum><header>Conversion or dismissal on request of other parties</header><text>After notice and a hearing, the court, on its own motion, or on a motion by a creditor, the United States trustee, the trustee, or any other party in interest, may, for cause, dismiss a case under this chapter or, with the consent of the debtor, convert a case under this chapter to a case under chapter 11 or 12, including—</text><paragraph id="idf96fba4612dc4ee8b87dcc2966762cd8"><enum>(1)</enum><text>unreasonable delay by the debtor that is prejudicial to creditors;</text></paragraph><paragraph id="id67bab15bc4b84c8ead86dafa378e10f1"><enum>(2)</enum><text>nonpayment of any fees or costs required under section 1930 of title 28;</text></paragraph><paragraph id="id85baccf546b9451ab8400a8240328a39"><enum>(3)</enum><text>failure to timely file a plan under section 1021, unless the debtor is eligible for a discharge without a plan under section 1031;</text></paragraph><paragraph id="id887d3713a0434578bb32cb3fbbfce32a"><enum>(4)</enum><text>failure to commence making timely payments required under section 1025 if the debtor files a repayment plan;</text></paragraph><paragraph id="id49f4036488a24a51828c19321b7e258e"><enum>(5)</enum><text>denial of confirmation of a plan under section 1024 and denial of a request for additional time for filing another plan;</text></paragraph><paragraph id="id5e60462ffd6149969591d7eb6df6133a"><enum>(6)</enum><text>except as provided by section 1052(8), and only on request of the United States trustee, failure of the debtor in a voluntary case to file, not later than 14 days after the date of the commencement of the case, or additional time as the court may allow, the information required under section 521(a)(1); and</text></paragraph><paragraph id="idb38747f71b224a728b747de144ea452a"><enum>(7)</enum><text>failure to file a repayment plan, if required, by the deadline prescribed under section 1021(e).</text></paragraph></subsection><subsection id="id1d57218d2e8c4303a2ed224dd73f0d16"><enum>(c)</enum><header>Dismissal</header><paragraph id="id5EF6EA5B305549B3847CA401A26FFEAA"><enum>(1)</enum><header>Dismissal for manifestly improper use of the bankruptcy system</header><subparagraph id="id9D60C5B181294B8F81FEFB53C9371602"><enum>(A)</enum><header>In general</header><text>Notwithstanding subsection (b), after notice and a hearing, the court, on its own motion or on a motion by the United States trustee or the trustee, may dismiss a case on grounds that the granting of relief would be a manifestly improper use of the bankruptcy system.</text></subparagraph><subparagraph id="id2CCD82E1D3D0446886BB09AD180A9F98"><enum>(B)</enum><header>Manifestly improper use of the bankruptcy system</header><text>For the purpose of subparagraph (A), the failure of a debtor to pay an amount that is greater than the minimum payment obligation under a repayment plan alone does not constitute a manifestly improper use of the bankruptcy system.</text></subparagraph></paragraph><paragraph id="idde4739f059344ca3a6b606d6983215a9"><enum>(2)</enum><header>Dismissal at request of debtor</header><subparagraph id="id53d0ccca8fc94414b97f20090b824771" commented="no"><enum>(A)</enum><header>In general</header><text>With respect to a case that has not been converted under subsection (a)—</text><clause id="ideb5911be56824ce3b7683b57792f4701" commented="no"><enum>(i)</enum><text>at the request of the debtor before any plan is confirmed under section 1024, the court shall dismiss the case; and</text></clause><clause id="id55cf06166f85441981819e5675a0b5cf" commented="no"><enum>(ii)</enum><text>at the request of the debtor after any plan is confirmed under section 1024, the court shall dismiss the case, unless the United States trustee or the trustee establishes that dismissal would not be in the best interest of creditors.</text></clause></subparagraph><subparagraph id="id5cc5be07fc1c40208264f938b7c71f53"><enum>(B)</enum><header>Waiver unenforceable</header><text>A waiver of the right to dismiss a case under this section shall be unenforceable.</text></subparagraph><subparagraph id="id5f7e3cac049042498f44be9b55f7b920"><enum>(C)</enum><header>No discharge</header><text>In any case dismissed under this paragraph—</text><clause id="idd9ae70900ad149fda3336092b1de301b"><enum>(i)</enum><text>the court shall not issue a discharge; and</text></clause><clause id="id8c8367caa2534ad3928c3d64c30e9707"><enum>(ii)</enum><text>any discharge previously issued is revoked.</text></clause></subparagraph></paragraph></subsection></section><section id="idb2ba6fbf1828451f92b6c8ba92aca94e"><enum>1006.</enum><header>Treatment of certain contracts and leases</header><text display-inline="no-display-inline">Notwithstanding a provision in any contract or unexpired lease, or in applicable law, with respect to any contract or unexpired lease of the debtor, the contract or lease and any right or obligation under the contract or lease may not be terminated or modified, and neither the debtor nor any individual liable on such contract or unexpired lease with the debtor may be declared in default under the contract or lease at any time during or after the case, solely because of a provision in the contract or lease that is conditioned on—</text><paragraph id="id977b3aea119f4c9d86cacb9f049bbe90"><enum>(1)</enum><text>the insolvency or financial condition of the debtor at any time before the closing of the case;</text></paragraph><paragraph id="id2bd075002fb8433a9a26d9cd24baf9f6"><enum>(2)</enum><text>the commencement of a case under this title;</text></paragraph><paragraph id="id0e35f60cb6c54cb1b114cd308c33de56"><enum>(3)</enum><text>the appointment of, or taking possession by—</text><subparagraph id="idec368c2e48454d969ffe0ade14beb108"><enum>(A)</enum><text>a trustee in a case under this title; or</text></subparagraph><subparagraph id="id57e9a2bd62d24fd78bebc9555261358d"><enum>(B)</enum><text>a custodian before the commencement of a case under this title; or</text></subparagraph></paragraph><paragraph id="id934e7d50e4f54175a1db0961c7ae3076"><enum>(4)</enum><text>the filing of a plan or the exercise of any other right under this title.</text></paragraph></section><section id="idf28102c418ac4a1699e5c91e761f1d02"><enum>1007.</enum><header>Treatment of rental purchase agreements</header><subsection id="idc0e93d0e75a64bdbbf8c574bbae2b381"><enum>(a)</enum><header>Definition of rental-Purchase agreement</header><text>In this section, the term <term>rental-purchase agreement</term> means an agreement, irrespective of form—</text><paragraph id="id5ce42d308f3047edbac909140cb5b425"><enum>(1)</enum><text>for the use of personal property, other than a vehicle, by the debtor for personal, family, or household purposes;</text></paragraph><paragraph id="idc7ea5bf2d2224dfcb64222d3e32cd5ad"><enum>(2)</enum><text>that is renewable with each payment; and</text></paragraph><paragraph id="id6f09834997a045c395bf44e318fdfdd2"><enum>(3)</enum><text>that permits, but does not obligate, the debtor to become the owner of the property that is the subject of the agreement.</text></paragraph></subsection><subsection id="id875173658dec4fa19ac83860c90a673b"><enum>(b)</enum><header>No interest in property</header><text>For the purpose of this chapter and notwithstanding applicable nonbankruptcy law, the lessor on a rental-purchase agreement does not have an interest in the property covered by the rental-purchase agreement.</text></subsection><subsection id="idea5a4bfe74ab411481ad0a72d6f767d0"><enum>(c)</enum><header>Election To retain property</header><text>Notwithstanding section 365, in a case under this chapter, the debtor may elect to retain the property covered by a rental-purchase agreement.</text></subsection><subsection id="id4f4f1c61005e4f24912f99993e46a678"><enum>(d)</enum><header>Claims of lessor-Seller</header><text>Notwithstanding sections 365 and 503 and subject to section 502, if the debtor elects to retain the property covered by a rental-purchase agreement, the liability of the debtor to a lessor-seller under the rental-purchase agreement shall—</text><paragraph id="id9A104A44FEE84311A74B3C1FD235033C"><enum>(1)</enum><text>be treated as if the liability arose immediately before the date of the filing of the petition;</text></paragraph><paragraph id="id65467DCA67E945F4B4939E94E4E346B7"><enum>(2)</enum><text>not be treated as an administrative expense; and</text></paragraph><paragraph id="id548FFE7495F04005BFC729C816989179"><enum>(3)</enum><text>be limited to the sum of—</text><subparagraph id="id78ec943657934c5f92d642a0f4efb5d7"><enum>(A)</enum><text>accrued and unpaid rent under the rental-purchase agreement; and</text></subparagraph><subparagraph id="id3ba38c8b606946f08d10cd37f9054aee"><enum>(B)</enum><text>future rent and other payments due under the rental-purchase agreement.</text></subparagraph></paragraph></subsection><subsection id="iddad79a78dc814c4db4beaf1493327ff3"><enum>(e)</enum><header>Termination</header><text>Nothing in this section shall be construed to prohibit the debtor from terminating a rental-purchase agreement.</text></subsection><subsection id="ida8ce7361990c4c5d86eb13251b30f71d"><enum>(f)</enum><header>Post-Discharge exercise of lessor-Seller's rights prohibited</header><text>Any attempt to exercise the rights of a lessor-seller under a rental-purchase agreement or applicable nonbankruptcy law after the issuance of a discharge under section 1028 shall be deemed to be a violation of section 524(a).</text></subsection></section><section id="id815a62ceb55443a7ba2d5b6b01a9048d"><enum>1008.</enum><header>Obtaining credit</header><subsection id="id013486542A3C480CB5A4D85A8233B558"><enum>(a)</enum><header>Definition of credit</header><text>In this section, the term <term>credit</term> has the meaning given the term in section 103 of the Truth in Lending Act (<external-xref legal-doc="usc" parsable-cite="usc/15/1602">15 U.S.C. 1602</external-xref>).</text></subsection><subsection id="idEF55AAFEF5BC4C30A7B862B601C01B8D"><enum>(b)</enum><header>Obtaining credit</header><paragraph id="id9029C91A65E247849534AE26D30DF7EF"><enum>(1)</enum><header>In general</header><text>The debtor in a case under this chapter may not obtain credit outside the ordinary course of the affairs of the debtor without prior authorization by the court.</text></paragraph><paragraph id="idBCC6C483253E4ECF9483B866ACD6D383"><enum>(2)</enum><header>Court approval</header><text>After notice and a hearing, the court shall authorize the debtor to obtain credit under paragraph (1) or incur debt only if it is in the best interests of the debtor.</text></paragraph><paragraph id="id34C18A9DCCCB498D860C721A9FE0713C"><enum>(3)</enum><header>Voiding of other post-petition credit incurred</header><text>Any credit obtained or debt incurred by a debtor not in accordance with this subsection is void.</text></paragraph><paragraph id="id1a573cb5b7c54a3a94bb30eac96bb5ef"><enum>(4)</enum><header>Credit rate limit</header><text>In no event may the court authorize the debtor to obtain credit with an annual percentage rate that exceeds the annual percentage rate described in section 987(b) of title 10.</text></paragraph><paragraph id="id7b2ae25c869a4f1792d852c6fb3413e7"><enum>(5)</enum><header>Compliance with nonbankruptcy law</header><text>Credit obtained by a debtor pursuant to this section shall comply with applicable nonbankruptcy law.</text></paragraph></subsection><subsection id="id4167f6f7c264472d82e56e043d91162d"><enum>(c)</enum><header>Application of section</header><text>This section shall apply to credit obtained by a debtor until the date on which the case is closed under section 350.</text></subsection></section><section id="idfedb4991574b4256a429aeef9396ffec"><enum>1009.</enum><header>Stay of action against codebtor</header><subsection id="idbd658a4adc6f4555b40f53bbbcf1cd0b"><enum>(a)</enum><header>Collection of debt</header><text>Except as provided in subsections (b) and (c) of this section, after the entry of the order for relief under this chapter, a creditor may not act or commence or continue any civil action to collect all or any part of a consumer debt of the debtor from any individual that is liable on the consumer debt with the debtor or that secured the consumer debt, unless—</text><paragraph id="idee684e97f2a04779b1b5a1404d48b72d"><enum>(1)</enum><text>the individual became liable on, or secured, the consumer debt in the ordinary course of business of the individual; or</text></paragraph><paragraph id="idaf46b819322b44bba6826a06d085ee40"><enum>(2)</enum><text>the case is closed, dismissed, or converted to a case under chapter 11 or 12 of this title.</text></paragraph></subsection><subsection id="id27eadb94364747c3ab6db951153cfdbe"><enum>(b)</enum><header>Negotiable instruments</header><text>A creditor may present a negotiable instrument, and may give notice of dishonor of such an instrument.</text></subsection><subsection id="id5075b4740baa4049b25ec7ff336bf09d"><enum>(c)</enum><header>Relief from stay</header><text>On request of a party in interest and after notice and a hearing, the court shall grant relief from the stay provided under subsection (a) with respect to a creditor, to the extent that—</text><paragraph id="id6be7a4b9b0384034b8ce93d3252de857"><enum>(1)</enum><text>as between the debtor and the individual protected under subsection (a), the individual received consideration for the claim held by the creditor;</text></paragraph><paragraph id="id8c67d6e065224d239846668807b55412"><enum>(2)</enum><text>the plan filed by the debtor does not propose to pay the claim; or</text></paragraph><paragraph id="idc34aec6415944b8e813b426f62c4cda9"><enum>(3)</enum><text>the interest of the creditor would be irreparably harmed by a continuation of the stay.</text></paragraph></subsection><subsection id="idc3f100d64d794538a4a3bad19c0723db"><enum>(d)</enum><header>Termination of stay</header><text>On the date that is 20 days after the date on which a party in interest files a request under subsection (c) for relief from the stay provided under subsection (a), the stay shall be terminated with respect to the party in interest, unless the debtor or any individual that is liable on the consumer debt with the debtor files and serves upon the party in interest a written objection to the proposed relief from the stay.</text></subsection></section><section id="idd3e2a96b6c0a40a88615b567002e40a0"><enum>1010.</enum><header>Interpretive principle</header><text display-inline="no-display-inline">In cases in under this chapter, the provisions of this title shall be interpreted liberally in favor of relief for consumer debtors.</text></section></subchapter><subchapter id="id7d36f3e40cbb4faf80ba2588bccfba73"><enum>II</enum><header>Plans</header><section id="id68a34cc668b04a08b7f18103ecb35a2a"><enum>1021.</enum><header>Filing of plans</header><subsection id="id1be8fb6e1f29486cb6ae717fc38656d7"><enum>(a)</enum><header>In general</header><text>Except as provided in subsection (c), the debtor may file—</text><paragraph id="idd8afb4e092104887904dd09a682a63b0"><enum>(1)</enum><text>a repayment plan that solely provides for the treatment of unsecured claims;</text></paragraph><paragraph id="idc2a44831711d41e7ac2f4e7ee4b58f18"><enum>(2)</enum><text>a residence plan that solely provides for the treatment of claims secured by the debtor's principal residence; or</text></paragraph><paragraph id="id89b6f35a4f15481f937b405bbb7676ae"><enum>(3)</enum><text>a property plan that solely provides for the treatment of claims secured by property that is not the debtor's principal residence.</text></paragraph></subsection><subsection id="id20203b6ff21b4797a488dd4458f9eccd"><enum>(b)</enum><header>Debtors with no minimum payment obligation</header><paragraph id="ide56def3ed96142b4bf8eea141912df22"><enum>(1)</enum><header>In general</header><text>A debtor that has a minimum payment obligation of $0 shall receive a discharge under section 1031 without filing a plan if the debtor is otherwise eligible to receive a discharge under this chapter.</text></paragraph><paragraph id="ida93613594107476b8136c8ec03dd3ab5"><enum>(2)</enum><header>Optional plans</header><text>A debtor that has no minimum payment obligation may elect to file 1 or more plans under subsection (a). </text></paragraph></subsection><subsection id="idb548f9e07b1d418888126a8f441493e2"><enum>(c)</enum><header>Multiple plans</header><paragraph id="id64868c41a1424a618807d4f70f5088d9"><enum>(1)</enum><header>In general</header><subparagraph id="id7bbedd8bf43b4ad3b84bc53bca211311"><enum>(A)</enum><header>More than 1 plan</header><text>Subject to subparagraph (B), the debtor may file 1 or more plans.</text></subparagraph><subparagraph id="id5f5e100a01e94784bb2569b77545fd8b"><enum>(B)</enum><header>Prohibition</header><text>If the court confirms a repayment plan of a debtor, the debtor may not file an additional repayment plan in a case under this chapter.</text></subparagraph></paragraph><paragraph id="idec0a55800976480f8d146fc45c1c03de"><enum>(2)</enum><header>Separate treatment</header><text>Except as provided in section 1023(a), each plan shall be treated separately for purposes of confirmation, discharge, and revocation of an order of confirmation or discharge.</text></paragraph></subsection><subsection id="id688fefd9e8144c9ba0c4ddae76abb544"><enum>(d)</enum><header>Involuntary cases</header><text>In a case commenced under section 303—</text><paragraph id="id32857fa867e549cc8e61208bfdd72f4a"><enum>(1)</enum><text>a petitioning creditor may file only a repayment plan under which the minimum payment obligation of the debtor shall be calculated to exclude any amounts required by clause (ii) or (iii) of section 101(54)(B);</text></paragraph><paragraph id="id6ff14c548d8b4d24985575e663929d8d"><enum>(2)</enum><text>the debtor may file a repayment plan, which shall supersede any repayment plan filed under paragraph (1); and</text></paragraph><paragraph id="id643337db0b0648a5b986cb167621fe1f"><enum>(3)</enum><text>if more than 1 petitioning creditor files a repayment plan under paragraph (1) and the debtor does not file a repayment plan under paragraph (2), the court shall confirm the repayment plan that is in the best interest of creditors.</text></paragraph></subsection><subsection id="idbdc267b8933e4cb7a195f408d980c08b"><enum>(e)</enum><header>Filing deadline</header><text>The debtor shall promptly file a plan within such period of time as permitted in a rule prescribed the Judicial Conference of the United States, except that the court may extend such time period for cause.</text></subsection></section><section id="idcb8d3f6b9d214dcebe519781b3953978"><enum>1022.</enum><header>Contents of plans</header><subsection id="idb4cd73b23f144dd0ab83251bcdbf8633"><enum>(a)</enum><header>Repayment plans</header><paragraph id="id9F9E374835A94F6994CFA6CEC6DC9FC5"><enum>(1)</enum><header>In general</header><text>A repayment plan—</text><subparagraph id="id8ab0f74fab4d4fac98db4a151553f1c9"><enum>(A)</enum><text>shall provide that—</text><clause id="id58e7064671ed40e28f87d450c2715731"><enum>(i)</enum><text>the debtor shall satisfy the minimum payment obligation by—</text><subclause id="id5954546119564c27a9aa084fd2560edb"><enum>(I)</enum><text>making deferred cash payments; or</text></subclause><subclause id="id37ce67e1cf504c769a65765b27b20f63"><enum>(II)</enum><text>upon request of the trustee, and subject to paragraph (2), tendering to the trustee all property of the estate that is not exempt under section 522 not later than 30 days after the date on which the court confirms the plan, unless the court orders a later date;</text></subclause></clause><clause id="idbcaae0aa2efb4674afbc6727b01e6ccf"><enum>(ii)</enum><text>any payments under the repayment plan occur during a period not to exceed 36 months from the date on which the first payment is due under a repayment plan under section 1025(b)(1); and</text></clause><clause id="id620b386613f94de4b7d5d13ee3b88dc9"><enum>(iii)</enum><text>any payment under a repayment plan, other than the final payment, shall be in an amount that is not less than the payments required for 36 equal monthly installments, unless the court orders otherwise for cause, which may include the irregular or seasonal nature of the debtor's income; and</text></clause></subparagraph><subparagraph id="idc6950dcffc1b413289c74311330d4241"><enum>(B)</enum><text>may—</text><clause id="idb5a1c635699e46eca06cef79dd5c7223"><enum>(i)</enum><text>pursuant to section 365, provide for the assumption, rejection, or assignment of any executory contract or unexpired lease of the debtor that has not previously been assumed or rejected under that section;</text></clause><clause id="id4ab7e0e100cf479a907a30ed6e7757ff"><enum>(ii)</enum><text>provide for the payment in full, in deferred cash payments, over the duration of the repayment plan, of any claim based on a debt of a kind described in section 523 if the plan also provides for the payment in full, in deferred cash payments, of all claims entitled to priority under section 507, other than the claim of a holder that is based on a debt described in section 507 that agrees to a different treatment of that claim;</text></clause><clause id="id1d62401c17894e4f9fff795ada9afa1e"><enum>(iii)</enum><text>provide for the exercise of any other power of the debtor or the trustee under this title;</text></clause><clause id="idf092b1ecbc644235a6fb364bc5880d17"><enum>(iv)</enum><text>provide for an order garnishing the earnings of the debtor or ordering the authorization of electronic fund transfers from a deposit account of the debtor during the duration of the repayment plan; and</text></clause><clause id="id36f55e4c4fb247cb89799aa1b2908077"><enum>(v)</enum><text>include any other appropriate provision not inconsistent with this title.</text></clause></subparagraph></paragraph><paragraph commented="no" id="id0f7d6ffe439e4284b05e4bfd195291ba"><enum>(2)</enum><header>Request for tender by trustee</header><subparagraph commented="no" id="idD5D715FD5427404F81EFEB36436F32D2"><enum>(A)</enum><header>In general</header><text>The trustee shall request the tender of property of the estate that is not exempt under section 522 only if the liquidation of such property would be reasonably likely to produce a meaningful distribution to creditors.</text></subparagraph><subparagraph commented="no" id="id8D909E07462F462785604DB3DF4FC21E"><enum>(B)</enum><header>Installment redemption as an alternative to tender</header><text>In lieu of tendering nonexempt property of the estate under paragraph (1)(A)(i)(II), the debtor may elect to pay to the trustee under the repayment plan an amount equal to the value of the interest of the debtor in such property that is in excess of the sum of—</text><clause commented="no" id="id8DD3AD5FF1CA40309C27D13999937338"><enum>(i)</enum><text>any allowed secured claims that are secured by that property; and</text></clause><clause commented="no" id="id0A3F5C6A17D04164B76C2638DF80B08A"><enum>(ii)</enum><text>any exemption applicable under section 522(b).</text></clause></subparagraph><subparagraph id="ida5eee2ca86f042d1b7dffe7b1577e604"><enum>(C)</enum><header>Execution of documents to perfect or record security interest</header><text>To satisfy the debtor’s obligation under paragraph (1)(A)(i)(II) and under this paragraph, the plan must provide that the debtor will execute any documents and cooperate with the trustee as necessary to perfect or record the security interest created by section 1028(i). </text></subparagraph></paragraph></subsection><subsection id="id4802d91a39d844a48a513158bebdc7e9"><enum>(b)</enum><header>Residence plans</header><text>A residence plan may—</text><paragraph id="id837e7b6d96bf43cb97d1d8404e1d47d2"><enum>(1)</enum><text>modify or leave unaffected the rights of a holder of a claim secured by the debtor's principal residence;</text></paragraph><paragraph id="id38c42fba062c41a7a4831fc94a36aa30"><enum>(2)</enum><text>provide for the waiving or curing within a reasonable time of any default on any claim secured by the debtor's principal residence in accordance with subsection (d);</text></paragraph><paragraph id="idd4fb265670f04bf19e488612f66de5ca"><enum>(3)</enum><text>provide for payment of any allowed secured claim secured by the debtor's principal residence;</text></paragraph><paragraph id="idf3c075173e704d64b8e26133b2a10606"><enum>(4)</enum><text>authorize the debtor to sell any property that is the debtor's principal residence free and clear of any liens not earlier than 60 days and not later than 180 days after the date of confirmation if the plan provides that—</text><subparagraph id="idab4260a6346b4fafb3a862dcd2d8fa9e"><enum>(A)</enum><text>the debtor shall tender the property that is the debtor's principal residence to the holder of the first-priority lien, subject to a lien secured by any allowed secured claim of a junior lienholder;</text></subparagraph><subparagraph id="idc16dba380a4f463290a4580ca4d28d02"><enum>(B)</enum><text>upon acceptance of the tender described in subparagraph (A), the debtor shall transfer the debtor's principal residence to the holder of the first-priority lien not later than 14 days after acceptance of the tender; and</text></subparagraph><subparagraph id="ida1d5bb68ca4d4b0da4860b9b5dbdd770"><enum>(C)</enum><text>if there is not a timely acceptance of the tender of the principal residence—</text><clause id="id2bc6119b6a524a5eb0f008900e8cc8f6"><enum>(i)</enum><text>a sale free and clear of liens of the debtor's principal residence shall be conducted in a commercially reasonable manner; and</text></clause><clause id="id7598c07692a24f0aaf06c4f1522ec1c2"><enum>(ii)</enum><text>after deducting the costs of the sale, any liens against the debtor's principal residence shall attach to the proceeds of the sale;</text></clause></subparagraph></paragraph><paragraph id="idd49d2cf927094fa4abc13e06698e3be1"><enum>(5)</enum><text>provide for an order garnishing the earnings of the debtor or authorizing electronic fund transfers from a deposit account of the debtor during the duration of the residence plan, but only to the extent necessary to cure any default on a claim secured by the debtor's principal residence in accordance with subsection (d); and</text></paragraph><paragraph id="id9013b1f9dccb432ba244f4c09e87d2f8"><enum>(6)</enum><text>include any other appropriate provision not inconsistent with this title.</text></paragraph></subsection><subsection id="id8d08641419c54d6f9463cc9a1b689cf5"><enum>(c)</enum><header>Property plans</header><text>A property plan may—</text><paragraph id="id933748aa2c4d4b6490575b07b9fff74c"><enum>(1)</enum><text>modify or leave unaffected the rights of holders of claims secured by the property, other than property that is the debtor's principal residence;</text></paragraph><paragraph id="id82694ef958744eebb968598e043bf5da"><enum>(2)</enum><text>provide for the curing or waiving within a reasonable time of any default on any claim secured by the property of the debtor that is not the debtor's principal residence in accordance with subsection (d)(2);</text></paragraph><paragraph id="id641d378b1a8d446b8a7dec57c27834f6"><enum>(3)</enum><text>provide for payment of any allowed secured claim secured by the property of the debtor that is not the debtor's principal residence;</text></paragraph><paragraph id="id581e24bb73f642c5b8e78e7e7e6578e3"><enum>(4)</enum><text>subject to section 522(e), treat as the holder of a secured claim—</text><subparagraph id="id6c4475dd2fb341aeaaf4cf005c4f74c2"><enum>(A)</enum><text>the seller or assignee of an installment sales contract for personal property or the equivalent of such a contract;</text></subparagraph><subparagraph id="id6108d14414ef4b30974e0d93c811bf29"><enum>(B)</enum><text>the lessor of a lease of personal property, the term of which extends beyond the remaining economic life of the property; or</text></subparagraph><subparagraph id="id8feeaa4bd53e49f9bca377d3d3b41279"><enum>(C)</enum><text>a party to an agreement, irrespective of form, that is a security interest in personal property under applicable nonbankruptcy law;</text></subparagraph></paragraph><paragraph id="id2fc30db5906447fdbf84b535f4c2ee63"><enum>(5)</enum><text>provide for an order garnishing the earnings of the debtor or ordering the authorization of electronic fund transfers from a deposit account of the debtor during the duration of the property plan; and</text></paragraph><paragraph id="id94de0a01e62045b6a1d43a7dc59d9373"><enum>(6)</enum><text>include any other appropriate provision not inconsistent with this title.</text></paragraph></subsection><subsection id="id484b1cc6329f4b55ab4e7719d78a7dcc"><enum>(d)</enum><header>Cure of default</header><paragraph id="id9bf7e3aeee894957bbad91588d09606d"><enum>(1)</enum><header>Principal residence</header><text>Notwithstanding any applicable nonbankruptcy law, a default with respect to, or that gives rise to, a lien on the property that is the debtor's principal residence may be cured by a residence plan under subsection (a)(2)(B) until the debtor ceases to have rights, including a right of redemption, in the property.</text></paragraph><paragraph id="id1616d4c5e2304a509f472ae7e15d6c68"><enum>(2)</enum><header>Amount to cure</header><subparagraph id="idd4c464b14e8744cc96cc964b90148425"><enum>(A)</enum><header>In general</header><text>Notwithstanding section 506(b), if a repayment plan, a residence plan, or a property plan provides for the curing of a default, the amount necessary to cure the default shall be determined in accordance with the underlying agreement and applicable nonbankruptcy law.</text></subparagraph><subparagraph id="id672979becb954418896b63f7a78f1d7e"><enum>(B)</enum><header>Prohibition</header><text>The cure of a default under subparagraph (A) may not require—</text><clause id="id0e80c3760fd94ca7a5906c7b791ea9f3"><enum>(i)</enum><text>interest on arrearages; or</text></clause><clause id="id80b2b94468784d479f73cc7eff7c406a"><enum>(ii)</enum><text>the payment of any penalty rate, late fee, or payment required under a penalty provision or a similar provision.</text></clause></subparagraph></paragraph></subsection></section><section id="idfff1b94249c4431baa9b985795101a2f"><enum>1023.</enum><header>Plan confirmation hearing</header><subsection id="id78a8e5d8828545cdadb4a6f59dbbfa1f"><enum>(a)</enum><header>In general</header><text>If the trustee, the United States trustee, or a creditor objects to confirmation of a plan filed under section 1021, the court shall hold a hearing on confirmation of the plan within such period of time as permitted in a rule prescribed the Judicial Conference of the United States, except that the court may extend such time period for cause.</text></subsection><subsection id="id824a61086ecf415c843db131a1dbdab4"><enum>(b)</enum><header>Confirmation without hearing</header><text>If no objection is raised, the court shall, upon notice, promptly confirm a plan that complies with section 1024(a) without a hearing.</text></subsection><subsection id="id18b4fa14a4a6417b90b2b8aef1860075"><enum>(c)</enum><header>Multiple plans</header><text>If the debtor files more than 1 plan under section 1021, the court shall hold a single hearing on confirmation on all of the plans, unless—</text><paragraph id="id8B7F41621A2146ECB96C123E1AE0E4E4"><enum>(1)</enum><text>the court orders otherwise for cause; or</text></paragraph><paragraph id="id759E744DF29F4CE89D67B555E715EFBF"><enum>(2)</enum><text>no hearing is required under subsection (b).</text></paragraph></subsection></section><section id="id799223d68af0462dbfbb11c99b9bc89e"><enum>1024.</enum><header>Confirmation of plans</header><subsection id="id900288adfe064a2eac88e0a80316f5e4"><enum>(a)</enum><header>Plan requirements</header><text>Subject to subsections (b) through (d), the court shall confirm a plan under this section if all of the following requirements are met:</text><paragraph id="idfa1e2471c7444444807b93154787d89c"><enum>(1)</enum><text>The plan complies with the applicable provisions of this title, other than section 1022(a)(1).</text></paragraph><paragraph id="idd756f34419df47c08f9d0c3f42cfb0e8"><enum>(2)</enum><text>Any fee, charge, or amount that is required to be paid before confirmation under <external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/28/123">chapter 123</external-xref> of title 28 or the plan has been paid.</text></paragraph><paragraph id="idea1470ca90d341138f4c4602e726d581"><enum>(3)</enum><text>The plan has not been proposed—</text><subparagraph id="id533F6D390228481A945ABCB28563BB1D"><enum>(A)</enum><text>in bad faith, which may not be demonstrated solely by the amount of payments proposed by the debtor under a repayment plan; or</text></subparagraph><subparagraph id="idF0B0DC60451849F6B17C4AF202F80814"><enum>(B)</enum><text>by any means forbidden by law.</text></subparagraph></paragraph><paragraph id="id3d57229762ca4c8e8645bdb64c839158"><enum>(4)</enum><text>The debtor is likely to be able to make all payments under the plan and to comply with the plan.</text></paragraph><paragraph id="id0f5b10b565734f60903689797174e33b"><enum>(5)</enum><text>In the case of a debtor that is required by a judicial or administrative order or by a statute to pay a domestic support obligation, the debtor has paid all amounts required by such domestic support obligation that first became payable after the date of the filing of the petition.</text></paragraph></subsection><subsection id="ida08e4e888fa5405bafff87311fc7d171"><enum>(b)</enum><header>Objection to repayment plan</header><paragraph id="idFC4A3644492A43058840EB6F1DE9345C"><enum>(1)</enum><header>In general</header><text>Subject to paragraph (2), if the trustee or the holder of an allowed unsecured claim objects to a repayment plan that complies with subsection (a), the court shall confirm the repayment plan only if the plan satisfies the requirements of section 1022(a)(1).</text></paragraph><paragraph id="id819CBF52FB914ACBBCDF2EF812D2B47D"><enum>(2)</enum><header>Reduced minimum payment obligation</header><text>If the court finds that the debtor is unable to pay the full minimum payment obligation due to reasonably necessary expenses, including medical expenses, child care expenses, high local housing costs, special education needs, expenses for the care of an elderly, chronically ill, or disabled household member or member of the debtor’s family, child or spousal support, or business or employment-related expenses, the court shall confirm a plan with an appropriately reduced minimum payment obligation that reflects the debtor’s ability to repay.</text></paragraph></subsection><subsection id="idc3eb622e905d42379aeadf3e0df59ed1"><enum>(c)</enum><header>Objection to residence plan</header><text>If the holder of an allowed secured claim secured by the debtor's principal residence objects to the confirmation of a residence plan, the court shall confirm the residence plan only if, for any such allowed secured claim of which the holder has objected to the confirmation, the residence plan provides that—</text><paragraph id="idd016b11f590c4302a7654481f4c8ed4f"><enum>(1)</enum><text>the holder retains the lien securing the claim;</text></paragraph><paragraph id="id2729821472ed4792a4af72681795962a"><enum>(2)</enum><text>the value, as of the effective date of the residence plan, of the payments to be distributed under the residence plan on account of the claim is not less than the allowed amount of the secured claim;</text></paragraph><paragraph id="id55a6c245bd2c480fb4beebc53a4701b3"><enum>(3)</enum><text>payments on all claims under the residence plan are in equal monthly amounts, other than payments to cure a default under section 1022(a)(2)(B);</text></paragraph><paragraph id="id263df9b19a674c9bbb8fb9ac02060a49"><enum>(4)</enum><text>except as provided in paragraph (5), default under the residence plan constitutes default under any security agreement that creates a security interest in the debtor's principal residence;</text></paragraph><paragraph id="ide5dd348e190146ff985018ed8c609383"><enum>(5)</enum><text>the debtor will be in default for a late payment under the plan and any security agreement that creates a security interest in the debtor's principal residence only if the debtor is more than 120-days delinquent on any payment under the residence plan;</text></paragraph><paragraph id="ida8b53e39c67e4a74b5b8a3048820db0c"><enum>(6)</enum><text>the holders of any judicial lien or statutory lien created before the order for relief cannot exercise any remedies under applicable nonbankruptcy law, unless the debtor is 120-days delinquent on any payment under the residence plan;</text></paragraph><paragraph id="id61fd5b26387342fea70972fd5cb39ed4"><enum>(7)</enum><text>the last payment on account of the secured claim is due on a date that is not later than the later of—</text><subparagraph id="id408ac7676fd94968af96e9b4e1032049"><enum>(A)</enum><text>15 years after the date of confirmation of the residence plan; or</text></subparagraph><subparagraph id="id0b3ad9f0b18a432d9a329627ab8df628"><enum>(B)</enum><text>5 years after the original maturity date of the loan relating to the claim; and</text></subparagraph></paragraph><paragraph id="id13e890e92e264b25a054c98acb36f816"><enum>(8)</enum><text>the debt secured by the debtor's principal residence that is dealt with by the residence plan has not been previously provided for by a residence plan that was—</text><subparagraph id="id634bdcc02bc74287b4a2ce16e8dfe4f4"><enum>(A)</enum><text>confirmed on a date that is not more than 6 years before the date of the filing of the petition; and</text></subparagraph><subparagraph id="id03a8ea34578a4b468fb60b8829ca5187"><enum>(B)</enum><text>completed.</text></subparagraph></paragraph></subsection><subsection id="idf4449829d7fc429ea3566bc3fac40c25"><enum>(d)</enum><header>Objection to property plan</header><text>If the holder of an allowed secured claim that is secured by property that is not the debtor's principal residence objects to the confirmation of a property plan, the court shall confirm the property plan only if—</text><paragraph id="idd511285988b34246bd46fd615e69cc17"><enum>(1)</enum><text>the property plan provides that—</text><subparagraph id="idada86b3ad4cc43f49e19ec3f442effaf"><enum>(A)</enum><text>the holder of the claim retains the lien securing the allowed secured claim;</text></subparagraph><subparagraph id="id41df3e0bf23e4e559bb2e4dc9487a5bf"><enum>(B)</enum><text>the value, as of the effective date of the property plan, of the property to be distributed under the property plan on account of the claim is not less than the amount of the allowed secured claim, unless—</text><clause id="id8cbe02c77ede420687071a7e166bde85"><enum>(i)</enum><text>the property securing the claim is a motor vehicle that was acquired by the debtor within the 90-day period immediately preceding the date of the filing of the petition; and</text></clause><clause id="idb54fd0dcec364f459de29922b9ba1d64"><enum>(ii)</enum><text>the lien securing the claim is a purchase-money security interest;</text></clause></subparagraph><subparagraph id="ida21659dfb3cc482bbb4403fefeb624e5"><enum>(C)</enum><text>the value, as of the effective date of the property plan, of property to be distributed on account of a claim described in clauses (i) through (iii) of subparagraph (B) is not less than the allowed amount of the claim, as calculated under section 502;</text></subparagraph><subparagraph id="idd71392be267d419ca994c13c5fe880fe"><enum>(D)</enum><text>payments on all claims under the property plan are in equal monthly amounts;</text></subparagraph><subparagraph id="idb86f56cbf50f4c868d11957f3c3df250"><enum>(E)</enum><text>except as provided in subparagraph (F), default under the property plan constitutes default under any security agreement that creates a security interest in the property subject to the property plan;</text></subparagraph><subparagraph id="idf90b6feda77d43b8aa076a99319f08a4"><enum>(F)</enum><text>the debtor is in default for a late payment under the plan and any security agreement that creates a security interest in the property subject to the property plan only if the debtor is not less than 90 days delinquent on payment to the holder of the security interest under the property plan;</text></subparagraph><subparagraph id="ida2f6622ed0c34509930814f888f99384"><enum>(G)</enum><text>the property plan provides that the holder of a judicial lien or statutory lien created before the date of the order for relief cannot exercise any remedies relating to the judicial lien or statutory lien under applicable nonbankruptcy law, unless the debtor is not less than 90 days delinquent on any payment to the lienholder under the property plan;</text></subparagraph><subparagraph id="id809b94030c424fbc8960a66278aef934"><enum>(H)</enum><text>the last payment due under the property plan is due on a date that is not later than the later of—</text><clause id="id34d3085fb5ea4c7c8873dbdd0355c3dc"><enum>(i)</enum><text>5 years after the date of confirmation of the property plan; or</text></clause><clause id="id2a5329fdce9f4caabddc9446c00b323a"><enum>(ii)</enum><text>the original maturity date of loan; and</text></clause></subparagraph><subparagraph id="iddaadfe5ad97647899ba18e1add2414b6"><enum>(I)</enum><text>the debt secured by the property that is dealt with by the property plan has not been previously provided for by a property plan that was—</text><clause id="idc96e706605d647c7b25bced244b55635"><enum>(i)</enum><text>confirmed on a date that is not more than 6 years before the date of the filing of the petition; and</text></clause><clause id="id090c58c20b1840ec8ac9adf520ef22f3"><enum>(ii)</enum><text>completed;</text></clause></subparagraph></paragraph><paragraph id="id8e86dbf641fa473f9b1eda840aa10ba3"><enum>(2)</enum><text>if the property securing the claim of the objecting holder is a motor vehicle—</text><subparagraph id="ida073ddf729bb4bb6a5e4fc218770c1bd"><enum>(A)</enum><text>the debtor has provided the holder of any security interest in the motor vehicle with reasonable evidence of the maintenance of any required insurance coverage on the motor vehicle securing the claim sufficient to protect the interest of the holder in the motor vehicle; and</text></subparagraph><subparagraph id="ida2e4832bfe6b40758345c6ac23bf4b53"><enum>(B)</enum><text>the motor vehicle is—</text><clause id="idc5170e5f34dc46bdab936693e89b7f1e"><enum>(i)</enum><text>used regularly as a means of transportation for the debtor or a dependent of the debtor; or</text></clause><clause id="idf788518134544c9e83d318e40c9ba3bb"><enum>(ii)</enum><text>used by the debtor or a dependent of the debtor in business; and</text></clause></subparagraph></paragraph><paragraph id="id835dd1030eb145579c4901fd707ecccb"><enum>(3)</enum><text>if the property securing the claim of the objecting holder is not a motor vehicle—</text><subparagraph id="idf71a9238d9ff47e1b6a76ee305d3b9ee"><enum>(A)</enum><text>the property is reasonably necessary for the support or maintenance of the debtor or a dependent of the debtor; or</text></subparagraph><subparagraph id="id9f2d8dcf82d84b29bc86050796dcbe47"><enum>(B)</enum><text>the property is reasonably necessary for the continuation, preservation, and operation of a business owned or operated by the debtor or a dependent of the debtor.</text></subparagraph></paragraph></subsection><subsection id="id8136e7b5e329483d8c41dcecd753829c"><enum>(e)</enum><header>Impairment</header><paragraph id="id8724535778f346f69d378938e59a7feb"><enum>(1)</enum><header>In general</header><text>The holder of an allowed secured claim that is not impaired under a plan may not object to a residence plan under subsection (c) or a property plan under subsection (d).</text></paragraph><paragraph id="id5bd491c562494a24ba3393a49a7a00dc"><enum>(2)</enum><header>Determination</header><text>For the purpose of this subsection, impairment shall be determined under section 1124.</text></paragraph></subsection><subsection id="id0e6564100ad44f1783fddeef9480bb7b"><enum>(f)</enum><header>Denial of motion</header><paragraph id="id70332966A1274EE681385CB614894880"><enum>(1)</enum><header>In general</header><text>A denial of a motion to confirm a plan shall constitute a final, appealable order.</text></paragraph><paragraph id="id63EAAE2A5D8B48E89A25195E169F359D"><enum>(2)</enum><header>Plan modification</header><text>Nothing in this section shall be construed to prevent a debtor from proposing to modify a plan that has been denied confirmation.</text></paragraph></subsection><subsection id="id7e0e0e1c7e404e018ff0075d11250f79"><enum>(g)</enum><header>Multiple plans</header><text>If the debtor has filed multiple plans, any party in interest may request that the confirmation of any plan be stayed until the date on which the court confirms or denies any other plan.</text></subsection><subsection id="id90bf28560e064c279cd47455a64fe25d"><enum>(h)</enum><header>Interest rate</header><text>The rate of interest that shall be used to calculate the value of property distributed under a plan, as of the effective date of the plan, shall be—</text><paragraph id="id2f8b1295b0d346efb402a6d33192c0dd"><enum>(1)</enum><text>for the purpose of subsection (c)(2)—</text><subparagraph id="idf2735bdefb76420fafa73f9ede48ecc4"><enum>(A)</enum><text>in the case of a first priority lien, the current average prime offer rate (as defined in section 1026.35(a)(2) of title 12, Code of Federal Regulations) for a loan of the most similar duration and rate type; and</text></subparagraph><subparagraph id="id1545e81974a346e181fe377221b4e58c"><enum>(B)</enum><text>in the case of any other lien, a rate that is 300 basis points greater than the current average prime offer rate (as defined in section 1026.35(a)(2) of title 12, Code of Federal Regulations) for a loan of the most similar duration and rate type; and</text></subparagraph></paragraph><paragraph id="id2d1781d838684722b5dbde0bf560e1bf"><enum>(2)</enum><text>for the purpose of subsection (d)(2), the current average prime offer rate for motor vehicle financing of the most similar duration and rate type, as determined by the Bureau of Consumer Financial Protection under section 201(e) of the Consumer Bankruptcy Reform Act of 2020.</text></paragraph></subsection></section><section id="id89d44db999f64c77a19ddc157c30f506"><enum>1025.</enum><header>Payments under a repayment plan</header><subsection id="id695f97a2db5b4e7682fbd82756adec1d"><enum>(a)</enum><header>Duties of trustee</header><text>The trustee shall—</text><paragraph id="idb07060088529472493a1b07cb3b7c822"><enum>(1)</enum><text>collect and be accountable for any future income of the debtor that is designated for a payment to a creditor under a repayment plan;</text></paragraph><paragraph id="idf9d97461ac6249f79faa1f3458e6b768"><enum>(2)</enum><text>accept and be accountable for any property of the estate tendered by the debtor pursuant to a repayment plan under section 1022(a)(1)(A)(i)(II); and</text></paragraph><paragraph id="id482b2432c6fe4a128c679e4594970de0"><enum>(3)</enum><text>reduce to money and be accountable for any property of the estate tendered by the debtor under the repayment plan as expeditiously as is compatible with the best interests of the parties in interest.</text></paragraph></subsection><subsection id="id06e446b0e1ac46f89c54245da72fc8af"><enum>(b)</enum><header>Payments</header><paragraph id="id3b82c54af3704dfa9c74222c486926ca"><enum>(1)</enum><header>In general</header><text>Except as provided by section 1027 and unless the court orders otherwise, not later than 30 days after the date of the order for relief under this chapter, the debtor shall—</text><subparagraph id="id978b3c0f4a944f56a3ae24bf29b53e69"><enum>(A)</enum><text>commence making payments in the amount proposed to be made under a repayment plan; and</text></subparagraph><subparagraph id="id13e9d858b2d54046a88674cbe3ff194d"><enum>(B)</enum><text>tender to the trustee any relevant property of the estate requested by the trustee under section 1022(a)(1)(A)(i)(II), unless the debtor has elected under section 1022(a)(2)(B) to pay the trustee for the value of such property under a repayment plan.</text></subparagraph></paragraph><paragraph id="id3d54f6c4c13e4a93a5fd8edd5e6ae7df"><enum>(2)</enum><header>Action by trustee</header><subparagraph id="id58dd6ac0f0814904adb0f76a4a2556ff"><enum>(A)</enum><header>Retention of payments pending plan confirmation</header><text>The trustee shall retain a payment made under paragraph (1) until the date on which the repayment plan is confirmed or denied under section 1024.</text></subparagraph><subparagraph id="id854563d949f2411d89233e187a0ba936"><enum>(B)</enum><header>Distribution of payments</header><text>If a repayment plan is confirmed under section 1024, the trustee shall distribute any payments retained under subparagraph (A) in accordance with the repayment plan as soon as is practicable.</text></subparagraph><subparagraph id="id1f9cd30255854b279341559e431ad7b0"><enum>(C)</enum><header>Return of payments</header><text>The trustee, after deducting the sum of each allowed administrative expense under section 503(b), shall return to the debtor any payments retained under paragraph (1) if the case is dismissed or converted.</text></subparagraph></paragraph><paragraph id="id92f612969986460291e416825c825345"><enum>(3)</enum><header>Modification</header><text>Subject to section 363, pending confirmation of a repayment plan, the court, after notice and a hearing, may for cause modify, increase, or reduce the payments required under this subsection.</text></paragraph></subsection><subsection id="id86815e3012b64b94b399c9fd2dc1d6cf"><enum>(c)</enum><header>Payments to creditors</header><paragraph id="id47c9021f048a4188a011a8ae8a34e4ed"><enum>(1)</enum><header>In general</header><text>Except as otherwise provided in the repayment plan or in the order confirming the repayment plan, after confirmation of the plan, the trustee shall make payments to creditors under the repayment plan.</text></paragraph><paragraph id="idec56858ac7cc4534adce895f20a406ea"><enum>(2)</enum><header>Prohibition</header><text>Except as provided in subsection (d), the trustee may not make a payment described in section 1022(a)(1)(B)(ii) under a repayment plan until the date on which the trustee makes every payment on all claims entitled to priority under section 507, other than a claim that is based on a debt described in section 507, the holder of which agrees to a different treatment of such claim.</text></paragraph></subsection><subsection id="id38b04e9d59744f11a6fc91e2dde6fcd7"><enum>(d)</enum><header>Priority of payments</header><paragraph id="id88557613a2484c0ab6aa6b39e66a24b7"><enum>(1)</enum><header>In general</header><text>Subject to paragraphs (2) and (3), all payments made by the trustee under this section shall be disbursed according to the order of priority in section 726.</text></paragraph><paragraph id="idf50b0ae4348c4bc883a7820918c752b1"><enum>(2)</enum><header>Administrative expenses and fees</header><text>Before or at the time of each payment to a creditor under a repayment plan, the trustee shall pay any unpaid claim of a kind specified in section 507(a)(2).</text></paragraph><paragraph id="id0e34115d6da0477dac89eebd4952a591"><enum>(3)</enum><header>Exceptions</header><text>In disbursing payments under this section, the trustee shall, at the time of each disbursement, pay—</text><subparagraph id="id197678f464bf4364b79550b2c7f35aa6"><enum>(A)</enum><text>any unpaid claim of the kind described in section 507(a)(2); and</text></subparagraph><subparagraph id="id4a4e62994e6543b48c50d41b452de4b6"><enum>(B)</enum><text>if a standing trustee appointed under section 586(b) of title 28 is serving in the case, the percentage fee fixed for the standing trustee under section 586(e) of title 28.</text></subparagraph></paragraph><paragraph id="idda291726610945da99709123d37c3752"><enum>(4)</enum><header>Property recovered in avoidance actions</header><text>Subject to any exemption allowed under section 522, the trustee shall disburse any property the trustee recovers under section 550 in accordance with this subsection.</text></paragraph></subsection><subsection id="idc34e5308c1de416197f545632f09d306"><enum>(e)</enum><header>Enforcement of obligations of debtor</header><paragraph id="idd7fa42f136ad42d49d78fa4536f358dd"><enum>(1)</enum><header>In general</header><text>Subject to paragraph (2), the obligations of a debtor under a repayment plan may be enforced solely by the trustee, which may include the enforcement of the security interest created by section 1028(i).</text></paragraph><paragraph id="id2439730f728c42029cc9457032be9502"><enum>(2)</enum><header>Exception</header><text>The holder of a claim provided for under section 1022(a)(1)(B)(ii) may enforce the debt that is the basis for the claim in accordance with section 1028(b).</text></paragraph><paragraph id="id68839a16cc124f4e905a6824833076a5"><enum>(3)</enum><header>90-day delinquency requirement</header><text>The trustee may not commence any action to enforce an obligation of the debtor under a repayment plan based on a delinquent payment until after the date on which the debtor has been delinquent on the payment for an 90-day period.</text></paragraph><paragraph id="idb1226148dd89484baf6dba81b2066e36"><enum>(4)</enum><header>Plan enforceable by trustee as a simple contract</header><text>Subject to sections 362 and 1029 and paragraph (7), the trustee may enforce an obligation of the debtor under a repayment plan as a simple contract under applicable nonbankruptcy law.</text></paragraph><paragraph id="ide98ef75c74564755b9ae2d2779b96875"><enum>(5)</enum><header>Application of nonbankruptcy law</header><text>Except as provided in section 1029, enforcement of the obligations of a debtor under a repayment plan shall be subject to applicable nonbankruptcy law, including laws relating to the garnishment of the wages of the debtor.</text></paragraph><paragraph id="idef8ee2358958419bbef042724577bb5c"><enum>(6)</enum><header>Inefficient enforcement prohibited</header><text>The trustee may not enforce the obligations of the debtor under a repayment plan if such enforcement would not produce a meaningful distribution to creditors. </text></paragraph><paragraph id="id2EA6B1398ABC47A9BC21E061C448279A"><enum>(7)</enum><header>Inefficient enforcement prohibited</header><subparagraph id="id93658487047D4D47BA731D32680A5F16"><enum>(A)</enum><header>In general</header><text>The trustee may recover from the debtor the reasonable attorneys’ fees and costs of enforcing the debtor’s obligation under a repayment plan in an amount equal to not more than 2 times the minimum payment obligation under the plan.</text></subparagraph><subparagraph id="idCA3BDF19A74D49CB881BB82CFE994DEC"><enum>(B)</enum><header>Debtor's liability</header><text>The debtor’s liability for the fees and costs described in subparagraph (A)—</text><clause id="idCAC9312E457A47419C4CD00E45CD1C0F"><enum>(i)</enum><text>shall be in addition to the minimum payment obligation; and</text></clause><clause id="id3F3518DCE35449CD8BB10E1C0BC1FB6B"><enum>(ii)</enum><text>may be awarded to the trustee notwithstanding any previous compensation to which the trustee might be entitled under section 330.</text></clause></subparagraph></paragraph><paragraph id="id6899B38462904490973F9871AE841C86"><enum>(8)</enum><header>Statute of limitations for trustee enforcement</header><text>An action by the trustee to enforce an obligation of the debtor under a repayment plan may not be commended on a date that is more than 2 years after the earliest date on which the trustee may bring an action under paragraph (3).</text></paragraph><paragraph id="id919F375C7DC2444BA32409A1383B6697"><enum>(9)</enum><header>Trustee’s rights nonassignable</header><text>Any assignment, factoring, or transferring of rights or amounts a debtor owes to a trustee under a repayment plan, or of rights or authority to collect any such amounts, is void.</text></paragraph></subsection></section><section id="id0b2ab64ed5404389b36c51f49295b340"><enum>1026.</enum><header>Payments under a residence plan or property plan</header><subsection id="id99204f9c709c4c1e9ea89bbe17bb6213"><enum>(a)</enum><header>In general</header><text>Payments under a residence plan or a property plan shall be made by the debtor in accordance with the plan.</text></subsection><subsection id="idb3036b034d8e49a8820ba5dd0f280fae"><enum>(b)</enum><header>Cure of default</header><paragraph id="id6A430626809E4BBAB2065BDC0762C8D3"><enum>(1)</enum><header>In general</header><text>If a residence plan or property plan proposes to cure a default on a claim secured by property of the debtor, the debtor may, upon completion of the cure payments due under the plan, send a certification to the holder of such claim that the debtor paid in full the amount to cure any default on the claim using a form prescribed by the Judicial Conference of the United States.</text></paragraph><paragraph id="id642c9c43165844bdb02d56a83d6aad4f"><enum>(2)</enum><header>Final cure order</header><text>The court, on request of the debtor and in accordance with applicable Federal Rules of Bankruptcy Procedure, shall determine whether the debtor has cured the default and paid all required post-petition amounts.</text></paragraph></subsection></section><section id="idbb051e4cad944e48876ba69c4bfa762b"><enum>1027.</enum><header>Protection of lessors and purchase money lenders</header><subsection id="id0a7a840168ac4f00b5339fdaa14703a0"><enum>(a)</enum><header>Lease payments</header><text>The debtor shall timely make any payments scheduled in a lease of personal property directly to the lessor for the portion of the obligation that becomes due after the date of the order for relief under this chapter, unless—</text><paragraph id="id6b2b48dc397941afbe774871a85c706b"><enum>(1)</enum><text>the court orders otherwise;</text></paragraph><paragraph id="id1F7B550E0AF44FE48B775613B358C3C3"><enum>(2)</enum><text>the debtor rejects a lease of personal property under section 365(a); or</text></paragraph><paragraph id="id9415f979e46b4407b4c64aaa3904c401"><enum>(3)</enum><text>the debtor assumes a lease of personal property under section 365(p)(1)(B).</text></paragraph></subsection><subsection id="ideffdc41d39d8482abe03cf73f3c5c9a7"><enum>(b)</enum><header>Insurance coverage</header><text>Not later than 60 days after the date of the order for relief under this chapter, a debtor who has proposed a plan that retains possession of personal property subject to a lease a purchase money security interest shall—</text><paragraph id="id56136bfe61ed4e1a965897b7986c50bc"><enum>(1)</enum><text>provide the lessor or holder of the claim reasonable evidence of the maintenance of any insurance coverage required under the lease or purchase money security agreement with respect to the use or ownership of the property; and</text></paragraph><paragraph id="idc1a366fb04f5461e93d03a768cd6b28b"><enum>(2)</enum><text>continue to provide the reasonable evidence required under paragraph (1) for as long as the debtor retains possession of the property before the date of confirmation of a plan addressing the property.</text></paragraph></subsection></section><section id="idea93c407d02e402dae48e7c82e65776c"><enum>1028.</enum><header>Effect of confirmation</header><subsection id="id4cfa17a056254b7eb244d46a1e1d2026"><enum>(a)</enum><header>Binding effect</header><text>The provisions of a confirmed plan bind the debtor and each creditor of a claim for which the plan provides, regardless of whether the creditor has objected to the plan.</text></subsection><subsection id="id87cc54f5bc2840c5930d517b8e6697e6"><enum>(b)</enum><header>Repayment plan injunction</header><text>Confirmation of a repayment plan shall operate as an injunction against the commencement or continuation of an action, the employment of process, or an act to collect, recover, or offset any debt excepted from discharge under section 523(a) and treated under section 1022(a)(1)(B)(ii) until—</text><paragraph id="idc312aee1980f452a8747109c770c0c19"><enum>(1)</enum><text>the date on which the debtor completes all payments due under the plan; or</text></paragraph><paragraph id="id7ff0f7b79fec437185390be743b9aa0f"><enum>(2)</enum><text>the debtor is not less than 90 days delinquent on a payment required under a repayment plan.</text></paragraph></subsection><subsection id="idc0aba520308c421998244797ab6a6827"><enum>(c)</enum><header>Residence plan injunction</header><text>Except as provided in subsection (e), confirmation of a residence plan shall operate as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect, recover, or offset any debt treated under section 1022(b)(2) or property securing such debt as long as the debtor is not more than 120 days delinquent on a payment required under a residence plan.</text></subsection><subsection id="idaf29dde4af9e4e1bbc9a0ae115b75912"><enum>(d)</enum><header>Property plan injunction</header><text>Except as provided in subsection (e), confirmation of a property plan shall operate as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect, recover, or offset any debt treated under section 1022(c)(2) or property securing such debt as long as the debtor is not more than 90 days delinquent on a payment required under a property plan.</text></subsection><subsection id="id414983e02034477b91855f11a4331e3c"><enum>(e)</enum><header>Request for relief from injunction</header><paragraph id="id9181DB1B16294CD6828CB2DE4BB70FA6"><enum>(1)</enum><header>In general</header><text>A party in interest may request from the court relief from the operation of an injunction under subsection (c) or (d).</text></paragraph><paragraph id="id4AE8DA0C76F7425B9D279845F68122DC"><enum>(2)</enum><header>Granting of relief</header><text>The court shall grant relief requested under paragraph (1) for cause.</text></paragraph></subsection><subsection id="idf01d1e04ceb241fba260c1310f9a5096"><enum>(f)</enum><header>Vesting of property</header><text>Except as otherwise provided in a plan or the order confirming the plan, the confirmation of a plan vests all of the property of the estate in the debtor.</text></subsection><subsection id="idf74b746ca0f44a04adc53ae95f4dfbff"><enum>(g)</enum><header>Free and clear</header><text>Except as otherwise provided in a plan or in the order confirming the plan, the property vesting in the debtor under subsection (f) is free and clear of any claim or interest of any creditor holding a claim provided for by the plan.</text></subsection><subsection id="ida09f888e80fb4600a5e04ebd0ee5f44d"><enum>(h)</enum><header>Secured claims</header><text>Except as provided by section 1031, the confirmation of a repayment plan leaves unaltered the rights of the holder of a secured claim that has not been avoided under this title.</text></subsection><subsection id="idbdb3add483df44a6b6f1a7231c63151a" commented="no"><enum>(i)</enum><header>Security interest created To secure repayment plan obligation</header><paragraph id="id2f7bf7ce4d4e42eab61683ee7c98707b" commented="no"><enum>(1)</enum><header>In general</header><subparagraph commented="no" id="idA3753AFA8C4E46A59D7A08D6DBDC0A0D"><enum>(A)</enum><header>Effect of confirmation</header><text>Except as provided by subparagraph (C), the confirmation of a repayment plan shall create a security interest, which shall be deemed to have arisen by agreement, in favor of the trustee on any nonexempt property of the estate retained by the debtor.</text></subparagraph><subparagraph commented="no" id="id7F8F19E43EDE41B7BBE8C3D0FD44227E"><enum>(B)</enum><header>Function</header><text>The security interest described in subparagraph (A) shall secure payment of the amount the court determines the debtor must pay to satisfy the requirement of section 1025(b).</text></subparagraph><subparagraph commented="no" id="id8B2D4AE65757421AA047307369914542"><enum>(C)</enum><header>Exception</header><text>If a debtor is not required to make payments under section 1025(b), the security interest in subparagraph (A) shall not arise.</text></subparagraph></paragraph><paragraph id="id118d5b26bf9641aa9ea9d2750b20500a" commented="no"><enum>(2)</enum><header>Record of security interest</header><subparagraph commented="no" id="id17BEAA94322546A58B47F5289C0AE7F0"><enum>(A)</enum><header>In general</header><text>The trustee may perfect or record the security interest described in paragraph (1)(A) in the manner directed by applicable nonbankruptcy law for perfecting a security interest in the type of property subject to the trustee’s security interest.</text></subparagraph><subparagraph commented="no" id="id46BC690D99924EAEBA4B5BD9DD999984"><enum>(B)</enum><header>Fee</header><text>The trustee shall pay any customary fee charged under applicable nonbankruptcy law for perfection or recordation of the security interest described in paragraph (1)(A).</text></subparagraph><subparagraph commented="no" id="idCA8605FB16FE477E984FBB58192DC29A"><enum>(C)</enum><header>Tax exemption</header><text>The trustee and any other entity shall be exempt from any recordation tax, transfer tax, or other similar tax that would otherwise accrue to the trustee or any other entity because of perfection or recordation of a security interest under this section, and the failure to pay any such tax shall not be grounds for any filing office or officer to refuse to accept a filing from a trustee seeking to perfect a security interest under this section.</text></subparagraph><subparagraph commented="no" id="id299AE74DF90B4C9194A50A054E31B6A7"><enum>(D)</enum><header>No liability</header><text>The trustee shall incur no liability to creditors or the estate for failure to perfect or record a security interest described in paragraph (1)(A) if the trustee had a reasonable and good faith belief that the costs of perfection or recordation exceeded the benefits.</text></subparagraph><subparagraph commented="no" id="id00378F75A2E144B28AF26AF66DA8B92F"><enum>(E)</enum><header>Perfection by possession</header><text>The trustee may not perfect the security interest created by this section by taking possession of the property unless the debtor consents in writing.</text></subparagraph><subparagraph commented="no" id="idEAB0B035AEF9499FA0D2D1D24CA93D81"><enum>(F)</enum><header>Termination</header><text>Within a reasonable time after satisfaction of the minimum payment obligation, the trustee shall terminate any perfection or recordation of a security interest described in paragraph (1)(A) in the manner directed by applicable nonbankruptcy law for terminating the perfection or recordation of a security interest in the type of property subject to the trustee’s security interest.</text></subparagraph></paragraph><paragraph id="id9ab362c1c181418b9549ac1330fbd3c8" commented="no"><enum>(3)</enum><header>Priority of security interest</header><subparagraph commented="no" id="id43B7A6483FD347739DD5493F30D3C49A"><enum>(A)</enum><header>In general</header><text>The security interest described in paragraph (1)(A) shall have priority as determined by applicable nonbankruptcy law that governs security interests in the type of property subject to the trustee’s security interest.</text></subparagraph><subparagraph commented="no" id="id841FD742AFAD40988FA69E1072103699"><enum>(B)</enum><header>Deeming of value given</header><text>With respect to the security interest described in paragraph (1)(A), for purposes of priority under the applicable nonbankruptcy law, the trustee shall be deemed to have given value under a simple contract and in good faith as of the moment of confirmation.</text></subparagraph><subparagraph id="id6d76f825772a43b6986f3cb08c7770e9" commented="no"><enum>(C)</enum><text>Notwithstanding subparagraph (B), a security interest created under paragraph (1)(A) shall be subordinate to any lien that secures payment of a domestic support obligation.</text></subparagraph></paragraph><paragraph id="id9a374871bb334745b85aae948b11c4df" commented="no"><enum>(4)</enum><header>Sale of property</header><subparagraph commented="no" id="id90DBF60AFC804A52BE7BA28D4F55C073"><enum>(A)</enum><header>In general</header><text>If the debtor sells property covered by the security interest created under paragraph (1)(A), the buyer takes free of the security interest only if the debtor tenders to the trustee the sales proceeds after costs of sale and satisfaction of liens superior to the security interest created by the security interest.</text></subparagraph><subparagraph commented="no" id="id73BB04EDBEAF45A294601B417A37CB94"><enum>(B)</enum><header>Surplus</header><text>If the proceeds of sale tendered to the trustee in accordance with subparagraph (A) exceed the minimum payment obligation, the trustee shall return the surplus to the debtor.</text></subparagraph></paragraph><paragraph id="idc805f0d64d624a8ca69571ae92feaf6e" commented="no"><enum>(5)</enum><header>Enforcement of security interest</header><subparagraph commented="no" id="id536C49D9DC6C496CA86E0F17CCE6550A"><enum>(A)</enum><header>In general</header><text>If the debtor is delinquent on the repayment plan under section 1025(e)(3), the trustee may request that the court order the debtor to turn over any property covered by the security interest created under paragraph (1).</text></subparagraph><subparagraph commented="no" id="id8497E17A94994FF28E420E7A6597ADCE"><enum>(B)</enum><header>Granting of request</header><text>The court shall grant the trustee’s request for turnover under subparagraph (A) unless—</text><clause commented="no" id="id0D7CE0BD18334D9784440068A761BDD7"><enum>(i)</enum><text>the delinquency is because of circumstances that the debtor could not reasonably avoid; and</text></clause><clause commented="no" id="id5783351BEC544A3F95D4D72FDA32914E"><enum>(ii)</enum><text>the debtor shows there is a reasonable probability of curing the delinquency within a reasonable time.</text></clause></subparagraph><subparagraph commented="no" id="id77D2AE133E1D444E80030C37F6038B09"><enum>(C)</enum><header>Sale of property</header><text>After the debtor turns over property under this paragraph, the trustee shall—</text><clause commented="no" id="id5E3775B8C1C34B0090BC8074736E56D1"><enum>(i)</enum><text>sell the property;</text></clause><clause commented="no" id="id730050BF3FE441609D66922E7E4D5B42"><enum>(ii)</enum><text>after deducting costs of the sale, satisfying liens superior to the security interest created by paragraph (1)(A), and satisfying any compensation owed the trustee, apply the sales proceeds to payment of the minimum payment obligation; and</text></clause><clause commented="no" id="idD6B3A31061D346D28F39E4BA16CD2C85"><enum>(iii)</enum><text>return any surplus from the sale above the minimum payment obligation to the debtor.</text></clause></subparagraph><subparagraph commented="no" id="idC71D62CACE5F4E74807C0563066F31FF"><enum>(D)</enum><header>Instrument to transfer</header><text>After a sale in accordance with this paragraph, the debtor or the trustee is authorized to execute, on the debtor’s or the trustee’s behalf, as the case may be, any instrument necessary or ordered by the court to effectuate the transfer to the purchaser.</text></subparagraph></paragraph></subsection><subsection id="ida236c0c49d5e42e587af990c93648caf"><enum>(j)</enum><header>Effect of residence or property plan</header><text>Except to the extent inconsistent with the plan or the provisions of this title, confirmation of a residence plan or a property plan leaves unaltered the rights of the parties under any agreement that is the basis for a claim secured by property provided for by the plan.</text></subsection><subsection id="id094544371db04d868d9e7ebd416df12b"><enum>(k)</enum><header>Certain contract provisions void</header><paragraph id="id0bc21220cca64acaac9df1401ef9fecf"><enum>(1)</enum><header>Ipso facto clauses void</header><text>The confirmation of a plan voids any provision in a contract provided for by the plan that is conditioned on—</text><subparagraph id="idc009dc35a2de47908ba42e00b37e7345"><enum>(A)</enum><text>the insolvency or financial condition of the debtor at any time before the closing of a case;</text></subparagraph><subparagraph id="idb9bdb274658945219c74dc53c54629c3"><enum>(B)</enum><text>the commencement of a case under this title; or</text></subparagraph><subparagraph id="id00e99bcdb68d478c98b07f3cfdb3bdfc"><enum>(C)</enum><text>the appointment of, or taking of possession by, a trustee in a case under this title or a custodian before a case is commenced under this title.</text></subparagraph></paragraph><paragraph id="ide37b2a58f4334bdc8a11a3b25e445d32"><enum>(2)</enum><header>Arbitration and joint-action provisions void</header><text>Notwithstanding any contrary provision of nonbankruptcy law, the confirmation of a plan voids any pre-dispute arbitration agreement or pre-dispute joint-action lawsuit waiver relating to property subject to the plan.</text></paragraph></subsection><subsection id="id458c5618afd642cea54538c41edc602c"><enum>(l)</enum><header>Jurisdiction To resolve disputes</header><text>Upon confirmation of a plan, the court shall retain jurisdiction to resolve any disputes arising under, or relating to, the plan and may order any appropriate relief in such a dispute, including the suspension of the payment obligations of the debtor under the plan.</text></subsection></section><section id="idDC85F78641BE4E288C628BB9ABF94452"><enum>1029.</enum><header>Modification of repayment plan</header><subsection id="id762F54DEC1CB4F979EE0D7BCE8946114"><enum>(a)</enum><header>In general</header><text>After notice and a hearing, the court may, for cause, modify an obligation of the debtor under a repayment plan based on a material change in the financial condition of the debtor that—</text><paragraph id="idA5EF3108BADD4919B118B72E7467F3B8"><enum>(1)</enum><text>occurs after the date of the confirmation of the repayment plan; and</text></paragraph><paragraph id="idCB028E477B654A579F206328C93BD2E6"><enum>(2)</enum><text>would impose a substantial burden on the debtor or a dependent of the debtor.</text></paragraph></subsection><subsection id="id807151BA4CBB484DABE8B5B89EC96157"><enum>(b)</enum><header>Unanticipated attorney's fees</header><text>If the debtor incurs unanticipated attorney’s fees for services provided subsequent to confirmation of a repayment plan, including for services relating to this section, after notice and a hearing, the court may, for cause—</text><paragraph id="id472333DB6895441FBE7E3F30FE703373"><enum>(1)</enum><text>subject to section 502(b)(3), allow the debtor to modify the repayment plan to include treatment of such attorney’s fees; and</text></paragraph><paragraph id="id18A8238C6F034DE48ABE8CC57720779C"><enum>(2)</enum><text>permit the debtor to extend the term of a repayment plan by up to 6 months to facilitate treatment of such attorney’s fees.</text></paragraph></subsection></section></subchapter><subchapter id="iddca588d5ca10466daf9efc6fec2deafc"><enum>III</enum><header>Discharge</header><section id="id15ab815232fe4492828cadfee927c031"><enum>1031.</enum><header>Discharge; scope and timing</header><subsection id="id84bca26361a44efbb6d314404b02b654"><enum>(a)</enum><header>In general</header><text>Subject to subsection (b), the court shall grant the debtor a discharge in accordance with subsection (c) as soon as is practicable after—</text><paragraph id="id60c0b48757434348b66c68a48a2550f3"><enum>(1)</enum><text>the date of confirmation of a repayment plan; or</text></paragraph><paragraph id="id8b02e59372cb4958b55beb9693ba78b3"><enum>(2)</enum><text>in the case of a debtor that has no minimum payment obligation, the date on which the deadline for filing a repayment plan under section 1021(e) expires.</text></paragraph></subsection><subsection id="id108a595acbe54610b0d64ae701df9455"><enum>(b)</enum><header>Exceptions</header><text>The court may not grant a discharge under subsection (a) to a debtor who has—</text><paragraph id="idc59bc3956030438c885952a61937f2a4"><enum>(1)</enum><text>been granted a discharge under this section, under section 1141, 1192, 1128, or under former section 727 or 1328, within 6 years of the date of the filing of the petition;</text></paragraph><paragraph id="id34dc8c4dc57943af977b7783340e651e"><enum>(2)</enum><text>failed to tender the property of the estate that is designated to be tendered under a repayment plan under section 1022(a)(1)(A)(i)(II);</text></paragraph><paragraph id="idb6a6890c7ec24320b3499d964684cfbb"><enum>(3)</enum><subparagraph commented="no" display-inline="yes-display-inline" id="idae0d0cd3754b4d8db35e44e7f3d67f7d"><enum>(A)</enum><text>executed a written waiver of discharge after the date of the order for relief; and</text></subparagraph><subparagraph id="idf24d0385bdef474a83659619346a166e" indent="up1"><enum>(B)</enum><text>appeared at a hearing at which the court determined that the debtor adequately understands the terms and consequences of the waiver described in subparagraph (A);</text></subparagraph></paragraph><paragraph id="id6484943e20d64a05975b5e71d3b8bbce"><enum>(4)</enum><text>with the intent to hinder, delay, or defraud a creditor or an officer of the estate charged with the custody of property under this title, transferred, removed, destroyed, mutilated, concealed, or permitted the transfer, removal, destruction, mutilation, or concealment of—</text><subparagraph id="id41dc49d686494cc7b007a1c8c1779646"><enum>(A)</enum><text>property of the debtor within 1 year of the date of the filing of the petition; or</text></subparagraph><subparagraph id="id440eeb37ef384baab833f0dec612753a"><enum>(B)</enum><text>property of the estate after the date of the filing of the petition;</text></subparagraph></paragraph><paragraph id="id54b64cfc73f74180b13839762a281ee0"><enum>(5)</enum><text>concealed, destroyed, mutilated, falsified, or failed to keep or preserve any recorded information from which the financial condition or business transactions of the debtor might have been ascertained, unless such act or failure was justified under all of the circumstances of the case;</text></paragraph><paragraph id="id5042a1cfe37d45c4a635941e1948c165"><enum>(6)</enum><text>knowingly and fraudulently, in the case or in connection with the case—</text><subparagraph id="id76314eae223a4bea861b780e7a149653"><enum>(A)</enum><text>made a false oath or account;</text></subparagraph><subparagraph id="ide310e2218b0649048fef05a7f3eb3d08"><enum>(B)</enum><text>presented or used a false claim;</text></subparagraph><subparagraph id="id02eaa377a99d497884f6d3707f75ba9a"><enum>(C)</enum><text>gave, offered, received, or attempted to obtain money, property, or advantage, or a promise of money, property, or advantage, for acting or forbearing to act; or</text></subparagraph><subparagraph id="ide918f7aaff9447d4a41e52cbe561b2f1"><enum>(D)</enum><text>withheld from the trustee any recorded information, including books, documents, records, and papers, relating to the property or financial affairs of the debtor;</text></subparagraph></paragraph><paragraph id="id6636ccf6716f4843b8cfcbdb6306b776"><enum>(7)</enum><text>failed to satisfactorily explain, before the determination of denial of discharge under this paragraph, any loss of assets or deficiency of assets to meet the liabilities of the debtor; or</text></paragraph><paragraph id="id0a146ebc6b584246a4ae306718992e4a"><enum>(8)</enum><text>refused in the case—</text><subparagraph id="id86fc2a569c2a4aeb974491336d33240a"><enum>(A)</enum><text>to obey any lawful order of the court, other than an order to respond to a material question or to testify;</text></subparagraph><subparagraph id="id0b0ffe8a67cf4820bef24c0b739749fb"><enum>(B)</enum><text>on the ground of privilege against self-incrimination, to respond to a material question approved by the court or to testify after the debtor has been granted immunity with respect to the matter concerning which the privilege was invoked; or</text></subparagraph><subparagraph id="id057b86e7556c44fa8cae143d81b0bb5b"><enum>(C)</enum><text>on a ground other than a properly invoked privilege against self-incrimination, to respond to a material question approved by the court or to testify.</text></subparagraph></paragraph></subsection><subsection id="idbb5fed4f55af4d7d9a9c91683a9aa017"><enum>(c)</enum><header>Debts discharged</header><text>Except as provided in section 523, a discharge under subsection (a) discharges the debtor from all debts that arose before the date of the order for relief under this chapter and any liability on a claim that is determined under section 502 as if such debt or claim had arisen before the commencement of the case, whether or not—</text><paragraph id="idFB917454A8CD4CF09816160F0B3B84DC"><enum>(1)</enum><text>a proof of claim based on any such debt or liability is filed under section 501; or</text></paragraph><paragraph id="idDD2985621E6B4928AE1B4E62387FF324"><enum>(2)</enum><text>a claim based on any such debt or liability is allowed under section 502.</text></paragraph></subsection><subsection id="idac4bd73cf3cc45d2b86818266a4a89b7"><enum>(d)</enum><header>Notice of debtor's rights</header><text>Upon granting a discharge under subsection (a), the court shall include in the discharge order provided to the debtor on a form prescribed by the Judicial Conference of the United States in accordance with rule 9009 of the Federal Rules of Bankruptcy Procedure a conspicuous notice of—</text><paragraph id="idE4255C50EF6043B3853D5F3082149296"><enum>(1)</enum><text>the right to bring an action for contempt or a civil action under section 524(c); and</text></paragraph><paragraph id="id46A190079D2C4C8CAFFE79A8F8837441"><enum>(2)</enum><text>the existence of other Federal or State laws that may provide additional remedies to the debtor in the event a person violates section 524.</text></paragraph></subsection><subsection id="id04704fcd9dc244219e9cbe03952e13fb" commented="no"><enum>(e)</enum><header>Scope of discharge with respect to taxes</header><paragraph commented="no" id="id0883D7943D0048839BEB0F9009B79FDA"><enum>(1)</enum><header>In general</header><text>Subject to paragraph (2), if the debtor pays through a repayment plan all tax debts entitled to priority under section 507(a)(8), the discharge under subsection (a) shall apply to all debts described in section 523(a)(1).</text></paragraph><paragraph commented="no" id="id8E3FAC2A4C2948388B39B9E3745265AA"><enum>(2)</enum><header>Exception</header><text>Paragraph (1) shall not apply to a debt incurred through fraud.</text></paragraph></subsection></section><section id="id793239faecb9408cae6e0ef029afdf5f"><enum>1032.</enum><header>Revocation of discharge or order of confirmation</header><subsection id="idc06560673d6a4b1bad35a793ef44f906"><enum>(a)</enum><header>In general</header><text>On request of the trustee, a creditor, or the United States trustee, at any time within 1 year after the date of the entry of an order of confirmation under section 1024 or an order of discharge under section 1031, and after notice and a hearing, the court may revoke such order only if—</text><paragraph id="id5b02c902ee8e4311ba62803eed74a867"><enum>(1)</enum><text>such confirmation or discharge was obtained through the fraud of the debtor and the requesting party did not know of such fraud until after the granting of such confirmation or discharge; or</text></paragraph><paragraph id="idae4183bb65f04130ad8bb562e880b815"><enum>(2)</enum><text>the debtor has refused, in the case—</text><subparagraph id="id2469eadcec574d0689c492bb61c6482f"><enum>(A)</enum><text>to obey any lawful order of the court, other than an order to respond to a material question or to testify;</text></subparagraph><subparagraph id="id52b914218dd041b6ab75db9a8d7d170c"><enum>(B)</enum><text>on the ground of privilege against self-incrimination, to respond to a material question approved by the court or to testify, after the debtor has been granted immunity with respect to the matter concerning which such privilege was invoked; or</text></subparagraph><subparagraph id="id950512b6168b41a9902ec24b475cdaaf"><enum>(C)</enum><text>on a ground other than the properly invoked privilege against self-incrimination, to respond to a material question approved by the court or to testify.</text></subparagraph></paragraph></subsection><subsection id="id143b5df050e14b538e7fa0f147750e61"><enum>(b)</enum><header>Disposal of case</header><text>If the court revokes an order of confirmation or an order of discharge under subsection (a), the court shall convert or dismiss the case under section 1005.</text></subsection></section></subchapter><subchapter id="idae40d8187acd4daaa18f498e4bf1af8d"><enum>IV</enum><header>Avoidance actions</header><section id="id869b165075ab4f5cbde8176d8f506a65"><enum>1041.</enum><header>Treatment of certain liens</header><text display-inline="no-display-inline">The trustee may avoid a lien that secures a claim of a kind described in section 726(a)(4).</text></section><section id="id2165448eb70d4e8db00d08a84aff27cf"><enum>1042.</enum><header>Limitations on avoidance actions</header><text display-inline="no-display-inline">The trustee may not bring an action to avoid a transfer or obligation under section 544, 545, 547, 548, 553, or 1041, unless there are allowed unsecured claims against the estate that the debtor does not propose to pay in full under a repayment plan.</text></section></subchapter><subchapter id="idD4F028E430AC4BEC81806C24E8187221" style="USC"><enum>V</enum><header>Limited proceedings</header><section id="id9a9a28f8c203486c9484d479d78386ce"><enum>1051.</enum><header>Election of limited proceeding</header><subsection id="idb5359a3c870d415e82a847ad87db487c"><enum>(a)</enum><header>In general</header><paragraph id="id0cb088612d174ed8a089471a542e7a8d"><enum>(1)</enum><header>Election of limited proceeding</header><text>In a case commenced under section 301 or 302, a debtor that is eligible to file under this chapter may, as part of the petition for relief, elect to conduct a limited proceeding that affects only claims secured by specific items of the property of the debtor under this subchapter.</text></paragraph><paragraph id="idccdec7928bf04296a35cc2127f1562bf"><enum>(2)</enum><header>General proceeding as default</header><text>If the debtor does not elect to conduct a limited proceeding in a case under this chapter—</text><subparagraph id="idbc2e5e59ae9140368bc86e5806ff7992"><enum>(A)</enum><text>the case shall proceed as a general proceeding under this title; and</text></subparagraph><subparagraph id="id64b1e562378b4c6f959a1d2cb0f915d7"><enum>(B)</enum><text>this subchapter shall not apply to the case.</text></subparagraph></paragraph></subsection><subsection id="id6b5eb834c0e64e78a656c69c42a0ff96"><enum>(b)</enum><header>Limitation on election</header><paragraph id="id75bd7bc93ec94b8294ad812321ba8790"><enum>(1)</enum><header>In general</header><text>After the entry of order for relief, the debtor may not elect to conduct a limited proceeding.</text></paragraph><paragraph id="id8eb6a3b75d8e4e2d8d1ddb65dcc5fa42"><enum>(2)</enum><header>Election after dismissal</header><text>Nothing in this section shall preclude a debtor, subsequent to the dismissal of a case, from—</text><subparagraph id="id16e98081a412414da9649b6e085a2aef"><enum>(A)</enum><text>filing a petition under section 301 or 302; and</text></subparagraph><subparagraph id="id95e2ea5df39c4ce0b6f5c0065b4f07dc"><enum>(B)</enum><text>electing to conduct a limited proceeding under subsection (a).</text></subparagraph></paragraph></subsection></section><section commented="no" display-inline="no-display-inline" section-type="subsequent-section" id="id74bd040fc00a43ea8d45fe9c315e2b0f"><enum>1052.</enum><header display-inline="yes-display-inline">Effect of limited proceeding</header><text display-inline="no-display-inline">If the debtor elects to conduct a limited proceeding under section 1051(a)—</text><paragraph id="id781cd150d2c44604afe763eb69a5098c"><enum>(1)</enum><text>the debtor shall file with the petition a schedule of affected property designating the property to be subject to the limited proceeding that lists any creditor that has an interest in such property;</text></paragraph><paragraph id="idcca02ea2700c4010893d6b4ba0ba573c"><enum>(2)</enum><text>the property of the estate under section 541 shall be limited to property that the debtor has indicated in the schedule of affected property;</text></paragraph><paragraph id="id8cd77002f19c4265be871ee2a780b6b5"><enum>(3)</enum><text>sections 341, 365, 1001, 1002, 1003, 1005(a), 1005(b)(4), 1005(b)(7), 1005(c), 1008, 1021(a)(1), 1025, 1027(a), 1031, 1032, 1041, and 1042 shall not apply to the case;</text></paragraph><paragraph id="id2389D933193D4391844A5A158626A15E"><enum>(4)</enum><text>subject to any limitations of a trustee under this chapter, the debtor shall have the rights and powers of a trustee under—</text><subparagraph id="idAD74B160CEA24C55AB3A5894813F5DD3"><enum>(A)</enum><text>subsections (b), (c), (d), (f), and (l) of section 363; and</text></subparagraph><subparagraph id="id1F07E07F92834031B52665BBFF62CD8C"><enum>(B)</enum><text>sections 364, 544, 546, 547, 548, 549, and 553;</text></subparagraph></paragraph><paragraph id="id226415e8783649dca813b4cb21cddfa0"><enum>(5)</enum><text>the debtor shall file 1 or more plans under paragraphs (2) and (3) of section 1021(a) with respect to property listed in the schedule of affected property within 7 days of the order for relief, or such further time as the court may allow for cause, but in no case more than 30 days after the date of the order for relief;</text></paragraph><paragraph id="iddfe5993be21d409ca06d54096ebc98a1"><enum>(6)</enum><text>the stay under subsection section 362(a) shall apply only to entities with an interest in the property that the debtor has indicated in the schedule of affected property as intended for treatment under a plan;</text></paragraph><paragraph id="id4180a9ffbeec46489c12db96855a46e7"><enum>(7)</enum><text>the debtor shall not be required to file the items required under section 521(a)(1)(B), other than a statement of current income and current expenditures; and</text></paragraph><paragraph id="id630df223fc104272b6206e8ea2b1a0d6"><enum>(8)</enum><text>notice of the order for relief shall not be required to be provided to parties other than parties with claims secured by property that the debtor has indicated in the schedule of affected property and to the United States trustee.</text></paragraph></section><section id="id62fab76d70c844b3a590c75dc03756f3"><enum>1053.</enum><header>Dismissal or conversion of limited proceedings</header><subsection id="idb92e56dcb54a4ffaa6f50f6583bcae79"><enum>(a)</enum><header>Election of dismissal or conversion of limited proceeding</header><text>The debtor may elect to dismiss a limited proceeding or convert a limited proceeding to a general proceeding under this chapter by filing a notice of termination or conversion within 7 days of the earlier of—</text><paragraph id="id4ba529bd193146819baa5f347c327acb"><enum>(1)</enum><text>the failure of the debtor to timely file a plan required under section 1052(5); or</text></paragraph><paragraph id="id3a0ef4d8634b46118d48eb6273e77617"><enum>(2)</enum><text>the failure of the court to confirm a plan within 60 days of the date of the order for relief.</text></paragraph></subsection><subsection id="idea4b0c5ab69c48d0bcc1bf1f95c74831"><enum>(b)</enum><header>Conversion of limited proceeding</header><text>If a debtor elects to convert a limited proceeding to a general proceeding under this chapter under subsection (a)—</text><paragraph id="id69b47c1162e440da9ac2cdfc4963524a"><enum>(1)</enum><text>the property of the estate shall be determined under section 541, without regard to section 1052(2), as of the date of the notice of conversion;</text></paragraph><paragraph id="id14ad06c30fa0460fb776fd607c459178"><enum>(2)</enum><text>the stay under section 362(a) shall apply to each entity as of the date of the notice of conversion;</text></paragraph><paragraph id="id247b169ce42744fca248eb2ebc5acf37"><enum>(3)</enum><text>notice of the order for relief shall be provided to each party in interest that was not notified under section 1052(8);</text></paragraph><paragraph id="idf3d494bc5f4548bf958176b3e7b4f35f"><enum>(4)</enum><text>any timeline for an action to be taken by the debtor under this title that begins on the date of the order for relief shall be adjusted to begin on the date of the notice of conversion;</text></paragraph><paragraph id="ide22a646894f04841aafc229a256f00be"><enum>(5)</enum><text>except as provided in section 506, with respect to a creditor that has a claim secured by property included in the schedule of affected property filed under section 1052(1), any claims that arose against the debtor after the date of the order for relief and before the date of the notice of conversion shall be deemed to have arisen immediately before the date of the filing of the petition; and</text></paragraph><paragraph id="id75689f6734f04a2c857d1ff2727fd93d"><enum>(6)</enum><text>any valuation of property or an allowed secured claim, any determination of a claim allowance, and any other determination made in the course of the limited proceeding may be used in the general proceeding, unless the court for cause orders otherwise.</text></paragraph></subsection><subsection id="id99582437c2ef4ce38e0ac987e6723475"><enum>(c)</enum><header>Dismissal by court of limited proceeding</header><text>At any time, after notice and a hearing, the court, on its own motion or on a motion by the United States trustee, may dismiss a case that is proceeding as a limited proceeding on the grounds that the granting of relief would be a manifestly improper use of the bankruptcy system.</text></subsection></section></subchapter></chapter><after-quoted-block>.</after-quoted-block></quoted-block></subsection><subsection id="idbe18a1dacc4a40d5ba8ce0f3e982ac54"><enum>(b)</enum><header>Clerical amendment</header><text>The table of chapters for title 11, United States Code, is amended by inserting after the item relating to chapter 9 the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="idC6B90989677D45B4BB632C16194F61D1"><toc><multi-column-toc-entry bold="off" level="chapter"><toc-enum>10. </toc-enum><level-header level="chapter">Individual bankruptcy</level-header><target>1001</target></multi-column-toc-entry></toc><after-quoted-block>.</after-quoted-block></quoted-block></subsection></section><section id="id070d2afee87a4a179320dfbaa410d561"><enum>103.</enum><header>Repeal of chapter 13</header><subsection id="idcf1a63f937984204b01ea46a42ff5bc1"><enum>(a)</enum><header>In general</header><text><external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/11/13">Chapter 13</external-xref> of title 11, United States Code, is repealed.</text></subsection><subsection id="ida6500810e82f44c99bc270e3e3ae99f2"><enum>(b)</enum><header>Clerical amendment</header><text>The table of chapters for title 11, United States Code, is amended by striking the item relating to chapter 13.</text></subsection></section><section id="id43de69ae6f21414cbc7185923ebe62a5"><enum>104.</enum><header>Other amendments to the Bankruptcy Code</header><subsection id="id8264a564fb174161b16d5b1419995539"><enum>(a)</enum><header>Definitions</header><paragraph id="id17e53e393dbc431c9b09b5bdb7516c80"><enum>(1)</enum><header>In general</header><text>Section 101 of title 11 United States Code, is amended—</text><subparagraph id="id01d872dae63b42d590efd0ba4d2eac4b"><enum>(A)</enum><text>by striking paragraphs (3), (4A), (10A), (12A), and (30);</text></subparagraph><subparagraph id="id9f2142384e784cc5b771955028864112"><enum>(B)</enum><text>by redesignating paragraphs (53B), (53C), (56A), (53D), (54), (54A), and (55) as paragraphs (86), (87), (88), (89), (90), (91), and (92), respectively;</text></subparagraph><subparagraph id="ide7368fcca1ed455587d0dd1e4207db98"><enum>(C)</enum><text>by inserting before paragraph (86), as so redesignated, the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id0af2b600b97e43138f0589d999f780a6"><paragraph id="id8af66f4a12bc4a0c9cdf99cf0857bf39"><enum>(85)</enum><text>The term <term>store gift card</term> means a card, code, or other device that is—</text><subparagraph id="id0d375c0da9d0446ba23e467cf754dba1"><enum>(A)</enum><text>issued in exchange for payment on a prepaid basis primarily for personal, family, or household purposes to a consumer in a specified amount, whether or not that amount may be increased or reloaded; and</text></subparagraph><subparagraph id="id5ddd46aa840846a1ae35fad9d83bc5e6"><enum>(B)</enum><text>redeemable for goods or services upon presentation at a single merchant or an affiliated group of merchants.</text></subparagraph></paragraph><after-quoted-block>;</after-quoted-block></quoted-block></subparagraph><subparagraph id="idc56cc8aaadd94a3185610d4f85555e43"><enum>(D)</enum><text>by redesignating paragraphs (48), (48A), (49), (50), (51), (51A), (51B), (51C), (51D), (52), (53), and (53A) as paragraphs (73), (74), (75), (76), (77), (78), (79), (80), (81), (82), (83), and (84), respectively;</text></subparagraph><subparagraph id="id772731550e71408699408b0de6e12613"><enum>(E)</enum><text>by inserting before paragraph (73), as so redesignated, the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id8a6faf99b28047159edf3df5c89f5ade"><paragraph id="id738416d197484c1bade6feda02bf81c7"><enum>(72)</enum><text>The term <term>residence plan</term> means a plan filed pursuant to section 1022(b) of this title.</text></paragraph><after-quoted-block>;</after-quoted-block></quoted-block></subparagraph><subparagraph id="id6367d50426354ed3917c558ba91f5414"><enum>(F)</enum><text>by redesignating paragraphs (46) and (47) as paragraphs (70) and (71), respectively;</text></subparagraph><subparagraph id="idddf7603ca5c64c4e8a6cc3b456e8ee46"><enum>(G)</enum><text>by inserting before paragraph (70), as so redesignated, the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="ida141d96f8aae4b8caf2fccf350de628b"><paragraph id="id4393136446c14ec6885156928101fc49"><enum>(69)</enum><text>The term <term>repayment plan</term> means a plan filed pursuant to section 1022(a) of this title.</text></paragraph><after-quoted-block>;</after-quoted-block></quoted-block></subparagraph><subparagraph id="id13d05a6b52c94832a93caf0a19ec8da2"><enum>(H)</enum><text>by redesignating paragraph (45) as paragraph (68);</text></subparagraph><subparagraph id="id0904798fdbbf4bfaaf4c1b19be403de0"><enum>(I)</enum><text>by inserting before paragraph (68), as so redesignated, the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id706204465be343ec95e42e0211f1e769"><paragraph id="id1359bcdeba82485c853c844f9c8580f7"><enum>(67)</enum><text>The term <term>realizable value</term> means the value, as of the relevant date, that could be obtained for the relevant property in a lawful foreclosure, repossession, or execution sale, less the costs of such sale.</text></paragraph><after-quoted-block>;</after-quoted-block></quoted-block></subparagraph><subparagraph id="id65342a7f8d334187a74a145fc12d2d5e"><enum>(J)</enum><text>by redesignating paragraphs (43) and (44) as paragraphs (65) and (66), respectively;</text></subparagraph><subparagraph id="id14e9316e17ad440c9eb3499faee66dc8"><enum>(K)</enum><text>by inserting before paragraph (65), as so redesignated, the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id2e870a2e34d3429893f6e329f26d0bce"><paragraph id="id1c3a728842564386bdd462f290442223"><enum>(64)</enum><text>The term <term>property plan</term> means a plan filed pursuant to section 1022(c) of this title.</text></paragraph><after-quoted-block>;</after-quoted-block></quoted-block></subparagraph><subparagraph id="idc3517338469744bbaafd8156837b7986"><enum>(L)</enum><text>by redesignating paragraph (42A) as paragraph (63);</text></subparagraph><subparagraph id="id115c2f446c9e40d8a706e6a1ba7198cf"><enum>(M)</enum><text>by inserting before paragraph (63), as so redesignated, the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="ide3c5b1d64e4940bfa23569005ccc3486"><paragraph id="id45365594dfb0429988b0f92ec5bd8994"><enum>(61)</enum><text>The term <term>pre-dispute arbitration agreement</term> means any agreement to which the debtor is a party to arbitrate a dispute that has not arisen at the time of the making of the agreement.</text></paragraph><paragraph id="id2a01ca7e750f4d06b6f5215b8b99b5b0"><enum>(62)</enum><text>The term <term>pre-dispute joint-action waiver</term> means any agreement to which the debtor is a party, whether or not part of a predispute arbitration agreement, that would prohibit the debtor from participating, or waive the right of the debtor to participate, in a joint, class, or collective action in a judicial, arbitral, administrative, or other forum, concerning a dispute that has not yet arisen at the time of the making of the agreement.</text></paragraph><after-quoted-block>;</after-quoted-block></quoted-block></subparagraph><subparagraph id="id7bb6f4dced2c4f2eb8089256aa243b87"><enum>(N)</enum><text>by redesignating paragraphs (40), (40A), (40B), (41), (41A), and (42) as paragraphs (55), (56), (57), (58), (59), and (60), respectively;</text></subparagraph><subparagraph id="id2fbfddb022c0492da0b3f0afaa606891"><enum>(O)</enum><text>by inserting before paragraph (56), as so redesignated, the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id9bb5f62c4d104564b2f0a209ef505ec4"><paragraph id="ida3e337eb9cbc44b1a1f5f00ffbca5882"><enum>(54)</enum><text>The term <term>minimum payment obligation</term> means, except as provided in section 1021(d)(1) of this title, an amount equal to the lesser of—</text><subparagraph id="idaaefc723e3b64e748630af763ad37176"><enum>(A)</enum><text>the allowed unsecured claims; or</text></subparagraph><subparagraph id="idf460ea3facae4039aac22f7e3e574d86"><enum>(B)</enum><text>the sum of—</text><clause id="id6a33c231f9d545e4b0b425269d248181"><enum>(i)</enum><text>the value of the debtor’s interest in property of the bankruptcy estate in excess of—</text><subclause id="id229c71710c25404d9dcfa3f0c0e7f560"><enum>(I)</enum><text>any allowed secured claims that are secured by that property; plus</text></subclause><subclause id="id4180828b7c684d8eba2aad54f9daafe2"><enum>(II)</enum><text>any exemption applicable under section 522(b); and</text></subclause></clause><clause id="id182aa6e8d7b347809fa5589085fc99fb"><enum>(ii)</enum><text>to the extent the debtor’s annual income exceeds 135 percent of the sum of the median family income of the applicable State for 1 earner plus $15,000 for each individual in the household other than the debtor—</text><subclause id="idbe83875548a943a38689fadf08be1258"><enum>(I)</enum><text>if the excess is not over $10,000, 15 percent of the excess;</text></subclause><subclause id="idf2950dd987d446c885c3eef563face8c"><enum>(II)</enum><text>if the excess is over $10,000 but not over $50,000, $1,500 plus 45 percent of the excess over $10,000;</text></subclause><subclause id="id1fd74514ba0040019110c895203fccfa"><enum>(III)</enum><text>if the excess is over $50,000 but not over $100,000, $19,500 plus 75 percent of the excess over $50,000; or</text></subclause><subclause id="id0c3f273c971e4ee7bb8e40f4cf2f6279"><enum>(IV)</enum><text>if the excess is over $100,000, $57,000 plus 150 percent of the excess over $100,000.</text></subclause></clause></subparagraph></paragraph><after-quoted-block>;</after-quoted-block></quoted-block></subparagraph><subparagraph id="id36418dfcae3c44228a7bcb0e1deeaaae"><enum>(P)</enum><text>by redesignating paragraphs (31), (32), (33), (34), (35), (35A), (36), (37), (38), (38), (38A), (38B), (39), and (39A) as paragraphs (41), (42), (43), (44), (45), (46), (47), (48), (49), (50), (51), (52), and (53), respectively;</text></subparagraph><subparagraph id="id941183c17a734bfa8b6390eba5a5f7e5"><enum>(Q)</enum><text>in paragraph (45)(B), as so redesignated, by striking <quote>paragraphs (21B) and (33)(A)</quote> and inserting <quote>paragraphs (29) and (43)(A)</quote>; </text></subparagraph><subparagraph id="idf3312901b1684642a9669d5c8d39722e"><enum>(R)</enum><text>by redesignating paragraphs (14), (14A), (15), (16), (17), (18), (19), (19A), (19B), (20), (21), (21A), (21B), (22), (22A), (23), (24), (25), (26), (27), (27A), (27B), (28), and (29) as paragraphs (17), (18), (19), (20), (21), (22), (23), (24), (25), (26), (27), (28), (29), (30), (31), (32), (33), (34), (35), (36), (37), (38), (39), and (40), respectively;</text></subparagraph><subparagraph id="idd8d479c8a072476eb333cfef46b36944"><enum>(S)</enum><text>in paragraph (18), as so redesignated,</text><clause id="id0d39f496fd4e405485f7b68007d27db7"><enum>(i)</enum><text>in the matter preceding subparagraph (A), by inserting <quote>attorneys’ fees and</quote> before <quote>interest</quote>; and</text></clause><clause id="id5bdc7cae1d2e441c8cb9827aedc1ff09"><enum>(ii)</enum><text>by striking subparagraph (A) and inserting the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id316eb06b4fe84394b7514bc53abb9c86"><subparagraph id="idd3ae204f19c74006956efcb264884329"><enum>(A)</enum><text>owed to or recoverable by a spouse, former spouse, or child of the debtor or a parent, legal guardian, or responsible relative of such a child;</text></subparagraph><after-quoted-block>;</after-quoted-block></quoted-block></clause></subparagraph><subparagraph id="id47f7bc20cc49440dbedd491323f9f7a5"><enum>(T)</enum><text>by striking paragraph (13A) and inserting the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="idd5d7d723b08c4c8ebc69915f4138f6f8"><paragraph id="id2d4d949f779a49ee927c683ba22289ae"><enum>(16)</enum><text>The term <term>debtor’s principal residence</term>, with respect to a debtor, means 1 of the following:</text><subparagraph id="id04851a72e0c74bf39d842eb09890be85"><enum>(A)</enum><text>A residential structure that the debtor or a dependent uses as a residence, including an individual condominium, a mobile or manufactured home, or trailer or houseboat, and incidental property, without regard to whether that structure is attached to real property.</text></subparagraph><subparagraph id="id264c3ea9416543bbab905c0954b5e5bd"><enum>(B)</enum><text>An interest in a cooperative that owns property that the debtor or a dependent of the debtor uses as a residence.</text></subparagraph><subparagraph id="id3216a14c1a9742bda0d562278a738dde"><enum>(C)</enum><text>A residential leasehold that the debtor or a dependent of the debtor uses as a residence.</text></subparagraph></paragraph><after-quoted-block>;</after-quoted-block></quoted-block></subparagraph><subparagraph id="idb6fe691e1051479a90160d487a143724"><enum>(U)</enum><text>by redesignating paragraphs (7A), (7B) (8), (9), (10), (11), (12), and (13) as paragraphs (8), (9), (10), (11), (12), (13), (14), and (15), respectively; and</text></subparagraph><subparagraph id="id61226d04cd2544c5a01125e464cbaa76"><enum>(V)</enum><text>by inserting before paragraph (4) the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id041aea7af57f47a583ce7586f4d3e470"><paragraph id="id9013162239bb49328523a0929b44f99a"><enum>(3)</enum><text>The term <term>annual income</term> means—</text><subparagraph id="id74c0e870564446c1a53aa85cd8484e60"><enum>(A)</enum><text>an amount equal to twice the income from all sources that the debtor receives (or in a joint case the debtor and the debtor’s spouse receive) without regard to whether such income is taxable, derived during the 6-month period ending on the last day of the calendar month immediately preceding the date of the filing of the petition; and</text></subparagraph><subparagraph id="idf1a8aae6153c40c1aa4c9093985d6945"><enum>(B)</enum><text>any amount paid by any entity other than the debtor (or in a joint case the debtor and the debtor’s spouse), on a regular basis on behalf of the debtor, except that the proceeds from the sale of an asset not in the ordinary course of business shall not be included in annual income.</text></subparagraph></paragraph><after-quoted-block>.</after-quoted-block></quoted-block></subparagraph></paragraph><paragraph id="id08a87483352442758f1b21988a457574"><enum>(2)</enum><header>Conforming amendments to other laws</header><subparagraph id="id45b49d54b6bc42e792b3ef1ef61876dd"><enum>(A)</enum><text>Section 1503(3)(A)(iv) of the S.A.F.E. Mortgage Licensing Act of 2008 (<external-xref legal-doc="usc" parsable-cite="usc/12/1502">12 U.S.C. 1502(3)(A)(iv)</external-xref>) is amended by striking <quote>section 101(53D)</quote> and inserting <quote>section 101(89)</quote>.</text></subparagraph><subparagraph id="id00cf7a47e3f4481f9691ffadd96cd906"><enum>(B)</enum><text>Section 116(a)(2)(A) of the Emergency Economic Stabilization Act of 2008 (<external-xref legal-doc="usc" parsable-cite="usc/12/5226">12 U.S.C. 5226(a)(2)(A)</external-xref>) is amended by striking <quote>section 101(27)</quote> and inserting <quote>section 101(36)</quote>.</text></subparagraph><subparagraph id="id712ba2e2a00c4996bb6ca05cf411f1cc"><enum>(C)</enum><text>Section 210(a) of the Dodd-Frank Wall Street Reform and Consumer Protection Act (<external-xref legal-doc="usc" parsable-cite="usc/12/5390">12 U.S.C. 5390(a)</external-xref>)—</text><clause id="id0f830a1a297240d18ba49bc15f75274b"><enum>(i)</enum><text>in paragraph (11)(H)—</text><subclause id="ida53ea1f1585d4aa98360994d3fb760ac"><enum>(I)</enum><text>in clause (i)(I), by striking <quote>section 101(31)</quote> and inserting <quote>section 101(41)</quote>; and</text></subclause><subclause id="id31a521d99a0749708bb4a5866508f766"><enum>(II)</enum><text>in clause (ii)(II), by striking <quote>section 101(32)</quote> and inserting <quote>section 101(42)</quote>; and</text></subclause></clause><clause id="idea031e6a62c84d8e956fae6955bd5f94"><enum>(ii)</enum><text>in paragraph (12)(C), by striking <quote>section 101(32)</quote> and inserting <quote>section 101(42)</quote>.</text></clause></subparagraph><subparagraph id="idd50786bcfc5c4e1c8566f4d2bd053c97"><enum>(D)</enum><text>Section 3E(g) of the Securities Exchange Act of 1934 (<external-xref legal-doc="usc" parsable-cite="usc/15/78c-5">15 U.S.C. 78c–5(g)</external-xref>) is amended by striking <quote>section 101(53A)(B)</quote> and inserting <quote>section 101(84)(B)</quote>.</text></subparagraph><subparagraph id="ide1498b4105a048d6a11c1b84775fca00"><enum>(E)</enum><text>Section 103(dd)(5) of the Truth in Lending Act (<external-xref legal-doc="usc" parsable-cite="usc/15/1602">15 U.S.C. 1602(dd)(5)</external-xref>) is amended by striking <quote>section 101(53D)</quote> and inserting <quote>section 101(89)</quote>.</text></subparagraph><subparagraph id="id7e3b989bb2d8401183501030125b1eb1"><enum>(F)</enum><text>Section 128(b)(2)(G)(i) of the Truth in Lending Act (<external-xref legal-doc="usc" parsable-cite="usc/15/1638">15 U.S.C. 1638(b)(2)(G)(i)</external-xref>) is amended, in the matter preceding subclause (I), by striking <quote>section 101(53D)</quote> and inserting <quote>section 101(89)</quote>.</text></subparagraph><subparagraph id="id0c7e416a4a0f49c5a1a181a51e17930b"><enum>(G)</enum><text>Section 129B(f) of the Truth in Lending Act (<external-xref legal-doc="usc" parsable-cite="usc/15/1639b">15 U.S.C. 1639b(f)</external-xref>) is amended by striking <quote>section 101(53D)</quote> and inserting <quote>section 101(89)</quote>.</text></subparagraph><subparagraph id="idf1f7ffa9ba2744ada8c32b67a48bc6d3"><enum>(H)</enum><text>Section 129C(i) of the Truth in Lending Act (<external-xref legal-doc="usc" parsable-cite="usc/15/1639c">15 U.S.C. 1639c(i)</external-xref>) is amended by striking <quote>section 101(53D)</quote> and inserting <quote>section 101(89)</quote>.</text></subparagraph><subparagraph id="id1f2f092203a7475f8b67cd424d18f75f"><enum>(I)</enum><text>Section 1016(f)(2)(A) of the Oil Pollution Act of 1990 (<external-xref legal-doc="usc" parsable-cite="usc/33/2716">33 U.S.C. 2716(f)(2)(A)</external-xref>) is amended by striking <quote>section 101(32)</quote> and inserting <quote>section 101(42)</quote>.</text></subparagraph><subparagraph id="id1c35be90924a41769b7f8fdc841a89ba"><enum>(J)</enum><text>Section 405(j)(2)(C) of PROMESA (<external-xref legal-doc="usc" parsable-cite="usc/48/2194">48 U.S.C. 2194(j)(2)(C)</external-xref>) is amended by striking <quote>section 101(11)</quote> and inserting <quote>section 101(13)</quote>.</text></subparagraph></paragraph></subsection><subsection id="ided6f04ef710348349869d37cf0f5e1f7"><enum>(b)</enum><header>Applicability of chapters</header><text>Section 103 of title 11, United States Code, is amended—</text><paragraph id="id884243fdb8f7482cb8f7d618d4642b87"><enum>(1)</enum><text>in subsection (a)—</text><subparagraph id="id39463528990e425a8f1b01db14440d36"><enum>(A)</enum><text>by striking <quote>chapter 7, 11, 12, or 13 of this title</quote> and inserting <quote>chapter 7, 10, 11, or 12 of this title</quote>; and</text></subparagraph><subparagraph id="id5088ae1007bb485abef743532211dc9d"><enum>(B)</enum><text>by striking <quote>section 362(o)</quote> and inserting <quote>section 362(m)</quote>; and</text></subparagraph></paragraph><paragraph id="id5dafba63e53f4d68a58953ae35bf4540"><enum>(2)</enum><text>in subsection (j), by striking <quote>Chapter 13</quote> and inserting <quote>Chapter 10</quote>.</text></paragraph></subsection><subsection id="id6664fadeea484fc8b63d74722e3179b2"><enum>(c)</enum><header>Adjustment of dollar amounts</header><text>Section 104 of title 11, United States Code, is amended—</text><paragraph id="id9424287bcea343dc93a3bb7c2803f80a"><enum>(1)</enum><text>in subsection (a) by striking <quote>sections 101(3)</quote> and all that follows through <quote>of this title</quote> and inserting <quote>this title</quote>; and</text></paragraph><paragraph id="id374b99225ff543488ea9fce760baf923"><enum>(2)</enum><text>in subsection (b) by striking <quote>sections 101(3)</quote> and all that follows through <quote>of this title</quote> and inserting <quote>this title</quote>.</text></paragraph></subsection><subsection id="id2479cc37a6e94257abbbc69e31ec8f8c"><enum>(d)</enum><header>Waiver of sovereign immunity</header><text>Section 106(a)(1) of title 11, United States Code, is amended—</text><paragraph id="id749c1c7dc2a8465ba17e423aeebd9a04"><enum>(1)</enum><text>by striking <quote>722,</quote>;</text></paragraph><paragraph id="id0024bcb03cc94355ad663e2515709083"><enum>(2)</enum><text>by inserting <quote>1028,</quote> after <quote>944,</quote>; and</text></paragraph><paragraph id="id7b35247ea00f4d75bb34a197dc81185f"><enum>(3)</enum><text>by striking <quote>1231, 1301, 1303, 1305, and 1327</quote> and inserting <quote>and 1231</quote>.</text></paragraph></subsection><subsection id="idd0d68117911444648a6993b73279b883"><enum>(e)</enum><header>Extension of time</header><text>Section 108 of title 11, United States Code, is amended—</text><paragraph id="id7ec346f6e3b34c34ac7d9d4547d4e248"><enum>(1)</enum><text>in subsection (b), in the matter preceding paragraph (1), by striking <quote>or 1301</quote>; and</text></paragraph><paragraph id="id7c3f6899d24040e997264f850f05964d"><enum>(2)</enum><text>in subsection (c)—</text><subparagraph id="id654f82c0a6fa4fda86da5bd14a99cafb"><enum>(A)</enum><text>in the matter preceding paragraph (1), by striking <quote>1201 or 1301</quote> and inserting <quote>1009 or 1201</quote>; and</text></subparagraph><subparagraph id="ide7b4c8d30a0e40a28ddf5640b7cf74aa"><enum>(B)</enum><text>in paragraph (2), by striking <quote>section 362, 922, 1201, or 1301 of this title,</quote> and inserting <quote>section 362, 922, or 1201 of this title,</quote>.</text></subparagraph></paragraph></subsection><subsection id="id1f864e32be6e42af87c7fb5aaa9be2c1"><enum>(f)</enum><header>Who may be a debtor</header><paragraph id="idfba011c22e0940168713109a8dc184c7"><enum>(1)</enum><header>In general</header><text>Section 109 of title 11, United States Code, is amended—</text><subparagraph id="ided7861d45a524213845586844715af40"><enum>(A)</enum><text>in subsection (b)—</text><clause id="id605250b1ce0649428a6823368b268d7f"><enum>(i)</enum><text>by redesignating paragraphs (1), (2), and (3) as paragraphs (2), (3), and (4), respectively; and</text></clause><clause id="id4914f107cc594b44a4d9cc627fd1c5d0"><enum>(ii)</enum><text>by inserting before paragraph (2), as so redesignated, the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id9b61784f46754328bbe44bafddaba100"><paragraph id="id062c98dca65e43a88d05903e59c98e63"><enum>(1)</enum><text>an individual;</text></paragraph><after-quoted-block>;</after-quoted-block></quoted-block></clause></subparagraph><subparagraph id="idc2a5c7df774749f69cc8a673b311100c"><enum>(B)</enum><text>by striking subsection (e);</text></subparagraph><subparagraph id="id1782407b20b249d7926c0d2a59fe6686"><enum>(C)</enum><text>by redesignating subsection (d) as (e);</text></subparagraph><subparagraph id="idfa1ebe5e540049d19ada5b61fc34eca7"><enum>(D)</enum><text>by inserting after subsection (c) the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id4372721648204ebaa5e91f45bbd6cfa6"><subsection id="id0b8d448498ca43ec92ee24a8b89bf6ca"><enum>(d)</enum><text>Only an individual that owes aggregate noncontingent liquidated secured and unsecured debts as of the date of the filing of the petition or the date of the order for relief in an amount not more than $7,500,000 (excluding debts owed to 1 or more affiliates or insiders) may be a debtor under chapter 10 of this title.</text></subsection><after-quoted-block>;</after-quoted-block></quoted-block></subparagraph><subparagraph id="idd7a4cd85f5c64382a90b01b6d03fca71"><enum>(E)</enum><text>in subsection (e), as so redesignated, by striking <quote>railroad, a person</quote> and inserting <quote>railroad, an individual, a person</quote>; </text></subparagraph><subparagraph id="id12BC27BED0BF4CC49AEBBAE649E5262F"><enum>(F)</enum><text>by striking subsection (g) and inserting the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="idd8383b2365044734bf4d8b173d0b83dd"><subsection id="id216c17126f12494d940f3ac3e2f081b5"><enum>(g)</enum><text>Notwithstanding any other provision of this section, no individual or family farmer may be a debtor under this title who has been a debtor in a case pending under this title at any time in the preceding 180 days if the case was dismissed by the court for willful failure of the debtor to abide by orders of the court, or to appear before the court in proper prosecution of the case.</text></subsection><after-quoted-block>; and</after-quoted-block></quoted-block></subparagraph><subparagraph id="id9957387e11f34e6a94c3e4b449d79f54"><enum>(G)</enum><text>by striking subsection (h) and inserting the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id815004c173754506b0a0efe1b65a7475"><subsection id="id110de6cc239441ceaf875c49116dc7fd"><enum>(h)</enum><paragraph commented="no" display-inline="yes-display-inline" id="idd28a8b6db1834b8382d6660c3b6e1c0b"><enum>(1)</enum><text>Upon motion of a party in interest or on the court’s own motion, the court may, after notice and a hearing, include in an order dismissing a case under section 707, 1005, 1053(c), 1112, or 1208 of this title a restriction of the debtor’s eligibility to refile a subsequent case under this title upon a finding of cause, including—</text><subparagraph id="ide5ecae7691444767aecee3a21a949a67" indent="up1"><enum>(A)</enum><text>willful failure of the debtor to—</text><clause id="id85bacb68c6a843e49b34764df6b0be42"><enum>(i)</enum><text>abide by orders of the court; or</text></clause><clause id="ide8b3a1b4d72b48df8f05bb4d69338300"><enum>(ii)</enum><text>propose a plan required under section 1021, 1129, or 1225 in good faith and not by any means forbidden by law;</text></clause></subparagraph><subparagraph id="idcb5cf865374247fcbf7c8e832b08d31b" indent="up1"><enum>(B)</enum><text>willful and substantial default by the debtor with respect to a term of a confirmed plan;</text></subparagraph><subparagraph id="id01536a9f558840b4908a2238b8b9d0b5" indent="up1"><enum>(C)</enum><text>a pattern or practice of filing bankruptcy petitions as part of a manifestly improper use of the bankruptcy system;</text></subparagraph><subparagraph id="ide2271470195e4150a7c3f3c76a04be11" indent="up1"><enum>(D)</enum><text>willful failure of the debtor to appear before the court in proper prosecution of the case; or</text></subparagraph><subparagraph id="id061e0c3dbb2c4170afa0cdef962adf53" indent="up1"><enum>(E)</enum><text>other manifestly improper use of the provisions of this title.</text></subparagraph></paragraph><paragraph id="iddfd9d5a85470443c96e776e43cd0fdf7" indent="up1"><enum>(2)</enum><text>The period of ineligibility for a subsequent case—</text><subparagraph id="id4c02ec698d324040b68bb5cb4453ebfb"><enum>(A)</enum><text>shall extend for 180 days from the date of the entry of the court’s order unless the court orders otherwise; and</text></subparagraph><subparagraph id="idcea91c8476754f3e8a57655919c96b9b"><enum>(B)</enum><text>may extend for a period longer than 180 days (but not to exceed 720 days) only if the court finds manifestly improper use of the bankruptcy system.</text></subparagraph></paragraph><paragraph id="idc4067fa4e23b4b399521cdd0b0dbc205" indent="up1"><enum>(3)</enum><text>After notice and a hearing, the court may decrease the period of ineligibility based upon a showing of changed circumstances or for good cause shown.</text></paragraph></subsection><after-quoted-block>.</after-quoted-block></quoted-block></subparagraph></paragraph><paragraph id="id6c9160beda014c6ab15c17bc8edc8b52"><enum>(2)</enum><header>Conforming amendments</header><subparagraph id="ida0869e860a9045c1a3c002dd04cdc469"><enum>(A)</enum><text>Section 1501(c)(2) of title 11, United States Code, is amended by striking <quote>109(e)</quote> and inserting <quote>109(d)</quote>.</text></subparagraph><subparagraph id="idd14385b6252c47e6b7760e747d390cd9"><enum>(B)</enum><text>Section 303(1) of PROMESA (<external-xref legal-doc="usc" parsable-cite="usc/48/2163">48 U.S.C. 2163(1)</external-xref>) is amended by striking <quote>section 109(b)(2)</quote> and inserting <quote>section 109(b)(3)</quote>.</text></subparagraph></paragraph></subsection><subsection id="idfc9c87036c764bd7aa7ff303a4fb706d"><enum>(g)</enum><header>Penalty for persons who negligently or fraudulently prepare bankruptcy petitions</header><text>Section 110(e)(2)(B)(i)(II) of title 11, United States Code, is amended by striking <quote>under chapter 7, 11, 12, or 13</quote> and inserting <quote>under chapter 10, 11, or 12</quote>.</text></subsection><subsection id="idefc134a63c0e48459cf74797c849f226"><enum>(h)</enum><header>Nonprofit budget and credit counseling agencies; financial management instructional courses</header><paragraph id="id40cd6d40536e4e95b53ceeec1ff5610d"><enum>(1)</enum><text><external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/11/1">Chapter 1</external-xref> of title 11, United States Code, is amended by striking section 111.</text></paragraph><paragraph id="id05ac54f6c3de40c2947ee574b53bad2b"><enum>(2)</enum><text>The table of sections for <external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/11/1">chapter 1</external-xref> of title 11, United States Code, is amended by striking the item relating to section 111.</text></paragraph></subsection><subsection id="id8ffb741001474688b6683c4e426f05ab"><enum>(i)</enum><header>Involuntary cases</header><text>Section 303 of title 11, United States Code, is amended—</text><paragraph id="id71dbb99a58d943b29c75baaf69a6f48e"><enum>(1)</enum><text>in subsection (a) by striking <quote>chapter 7 or 11 of this title</quote> and inserting <quote>chapter 7, 10, or 11 of this title</quote>;</text></paragraph><paragraph id="idd73166fc0ce34a618f78f986cf48c9ec"><enum>(2)</enum><text>in subsection (b) by striking <quote>chapter 7 or 11 of this title—</quote> and inserting <quote>chapter 7, 10, or 11 of this title—</quote>;</text></paragraph><paragraph id="id65a1e7111fb9482d86439ad93e22ac99"><enum>(3)</enum><text>in subsection (g)—</text><subparagraph id="id0cb38e1fc79f4eb588165cb5f142eb43"><enum>(A)</enum><text>by striking <quote>chapter 7 of this title</quote> and inserting <quote>chapter 7 or 10 of this title</quote>; and</text></subparagraph><subparagraph id="id5c4b9d2eece242baaaf31ffc2785ff58"><enum>(B)</enum><text>by striking <quote>section 701 of this title</quote> and inserting section 701 or 1003 of this title”; and</text></subparagraph></paragraph><paragraph id="id53b55762d33d4640b5fc3c12ab3c6301"><enum>(4)</enum><text>in subsection (k)(2), by striking <quote>the court may enter an order</quote> and inserting <quote>the court shall enter an order</quote>.</text></paragraph></subsection><subsection id="id37785a47934a4620a2c53653b2ae859b"><enum>(j)</enum><header>Appearance by consumer financial protection bureau</header><paragraph id="id8eb9553be19c4b9ea9f4c2d4c739668b"><enum>(1)</enum><header>In general</header><text>Subchapter I of <external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/11/3">chapter 3</external-xref> of title 11, United States Code, is amended by adding at the end the following:</text><quoted-block style="USC" display-inline="no-display-inline" id="id348DBCA2A5804FB9A27C5AF0CCCE3CED"><section id="id9240CCC108AA44A0B3DF93FFDF306631"><enum>309.</enum><header>Bureau of Consumer Financial Protection appearances in bankruptcy cases</header><text display-inline="no-display-inline">Notwithstanding section 1054(e) of the Consumer Financial Protection Act (<external-xref legal-doc="usc" parsable-cite="usc/12/5564">12 U.S.C. 5564(e)</external-xref>), the Bureau of Consumer Financial Protection may represent itself in its own name and may raise, appear, and be heard on any issue in a case under this title before any court with appropriate jurisdiction.</text></section><after-quoted-block>.</after-quoted-block></quoted-block></paragraph><paragraph id="id90ea4aa4984a4d149f857e66c9eaeefd"><enum>(2)</enum><header>Conforming amendment</header><text>The table of sections for <external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/11/3">chapter 3</external-xref> of title 11, United States Code, is amended by inserting after the item relating to <external-xref legal-doc="usc" parsable-cite="usc/11/308">section 308</external-xref> the following: </text><quoted-block style="USC" id="idf8830bcd-1324-4eb1-b8b6-68678eb63257"><toc><toc-entry level="section" idref="id9240CCC108AA44A0B3DF93FFDF306631">309. Bureau of Consumer Financial Protection appearances in bankruptcy cases.</toc-entry></toc><after-quoted-block>.</after-quoted-block></quoted-block></paragraph></subsection><subsection id="idfec9fe4b19bf486ea110432f48806ef2"><enum>(k)</enum><header>Eligibility To serve as trustee</header><text>Section 321(a) of title 11, United States Code, is amended by striking <quote>under chapter 7, 12, or 13 of this title,</quote> each place it appears and inserting <quote>under chapter 7, 10, or 12 of this title,</quote>.</text></subsection><subsection id="idc5d4eb5cea2541a9b709158a7644e6b8"><enum>(l)</enum><header>Qualification of trustee</header><text>Section 322(a) of title 11, United States Code, is amended by striking <quote>701, 702, 703, 1104, 1163, 1183, 1202, or 1302</quote> and inserting <quote>701, 702, 703, 1001, 1104, 1163, 1183, or 1202</quote>.</text></subsection><subsection id="idccc536fa3f3b4d4a93f096344ec7fb4f"><enum>(m)</enum><header>Limitation on compensation of trustee</header><text>Section 326(b) of title 11, United States Code, is amended—</text><paragraph id="idc64aeba1b7c04256a7d6ea944aacd0a5"><enum>(1)</enum><text>by striking <quote>chapter 12 or 13 of this title,</quote> and inserting <quote>chapter 10 or 12 of this title,</quote>; </text></paragraph><paragraph id="ide5e628afed8e4b2bb0c9be1e5ea205b6"><enum>(2)</enum><text>by striking <quote>under section 1202(a) or 1302(a) of this title</quote> and inserting <quote>under section 1001(a) or 1202(a) of this title</quote>; and</text></paragraph><paragraph id="ide364516da2904008b36e633106fba90c"><enum>(3)</enum><text>by striking <quote>not to exceed five percent upon all payments under the plan</quote> and inserting <quote>not to exceed 5 percent upon all payments under the chapter 11 or 12 plan or under the chapter 10 repayment plan</quote>.</text></paragraph></subsection><subsection id="id021262db195f40a7b7c0813ea857c5f3"><enum>(n)</enum><header>Debtor’s transactions with attorneys</header><text>Section 329 of title 11, United States Code, is amended—</text><paragraph id="idc4cfba957a574dd9bb613be5e1eb2fc1"><enum>(1)</enum><text>in subsection (b)(1)(B), by striking <quote>chapter 11, 12, or 13 of this title</quote> and inserting <quote>chapter 10, 11, or 12 of this title</quote>; and</text></paragraph><paragraph id="ide8110ed650934854b2c1153fc6f23944"><enum>(2)</enum><text>by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id89547cca5105406fa2f705a99a8ced08"><subsection id="idc8dc768073c44e039b9046d39da6f49e"><enum>(c)</enum><text>In a case under chapter 10 of this title, no compensation shall be allowed for the debtor’s attorney under this title unless—</text><paragraph id="ide562c67169014820803b245d1ee54d65"><enum>(1)</enum><text>the agreement between the debtor and the debtor’s attorney providing for compensation—</text><subparagraph id="id196413f9402948b39014f2d4aba43178"><enum>(A)</enum><text>was made not more than 90 days before the date of the filing of the petition;</text></subparagraph><subparagraph id="ideba82d5c50bc443691c4a0644d01a21c"><enum>(B)</enum><text>specifies the services provided or to be provided by the debtor’s attorney and the attorney’s related fees and expenses;</text></subparagraph><subparagraph id="id99789ad80bab420d9de69fc9530bf8b1"><enum>(C)</enum><text>provides that the debtor will not be requested to pay or be liable for any amounts other than reasonable attorneys’ fees and expenses—</text><clause id="id6bf232d987a34f80b1b6cf494ec893dd"><enum>(i)</enum><text>specified in the agreement;</text></clause><clause id="id0dba2bf58d5945eb9c485ccb4d04904f"><enum>(ii)</enum><text>for any adversary proceeding in which the debtor is a party; or</text></clause><clause id="idd8b9927a537744c68b32aff7ac05f0c6"><enum>(iii)</enum><text>for services required by the debtor or the court that the attorney should not have reasonably anticipated at the time of the agreement;</text></clause></subparagraph><subparagraph id="id8970b5ef80914c48afa1ce7133b0055c"><enum>(D)</enum><text>does not provide for the payment of interest or any additional fees based on delay in payment or risk of nonpayment or for costs of collection on installment payments; </text></subparagraph><subparagraph id="id7D1CB4354E154744B5BFF0971C7D969E"><enum>(E)</enum><text>provides for installment payments of any compensation still owing on the date of the petition over a period of not more than 1 year; and</text></subparagraph><subparagraph id="idbb7a428ca7964c4989e546c38af1fdf6"><enum>(F)</enum><text>does not include a pre-dispute arbitration agreement or a pre-dispute joint-action waiver with respect to any dispute under the agreement;</text></subparagraph></paragraph><paragraph id="id2d914823ae0649519b560afa97ecd6b5"><enum>(2)</enum><text>the attorney has discussed with the debtor the attorney’s fees and expenses under the agreement and the consequences of the attorney’s filing the certification required under paragraph (3), and, after full disclosure, the debtor consents to the filing of the certification; and</text></paragraph><paragraph id="idd419014ed491443299b9c45218775d41"><enum>(3)</enum><text>the attorney files with the court a certification, in accordance with rule 9011 of the Federal Rules of Bankruptcy Procedure, with respect to the agreement that—</text><subparagraph id="ida486fb05a35a4d208309ef8c50226e04"><enum>(A)</enum><text>the conditions specified in paragraphs (1) and (2) are satisfied; and</text></subparagraph><subparagraph id="id0f78b10f4e254c16a7175e8f78a023fe"><enum>(B)</enum><text>the enforcement of the agreement would not impose an undue hardship on the debtor or the debtor’s dependents.</text></subparagraph></paragraph></subsection><subsection id="id08bcd294b4a54c9e8557b6cae4fe3d16"><enum>(d)</enum><text>In a case under chapter 10 of this title, any assignment, factoring, or transfer of rights or amounts, or of rights or authority to collect any such amounts, due under an agreement between the debtor and the debtor’s attorney is void.</text></subsection><subsection id="id27928df2858e4feb8976bfb815a4ff8c"><enum>(e)</enum><text>In a case under chapter 10 of this title, the bankruptcy court where the bankruptcy case was heard—</text><paragraph id="id5356D36879604F64B98736A0A101F771"><enum>(1)</enum><text>shall have exclusive jurisdiction over any disputes under, and enforcement of, an agreement that is subject to this section, whether or not the case has been closed; and</text></paragraph><paragraph id="id1ED8048F48CF463EA39D6690601AA736"><enum>(2)</enum><text>in the event of nonpayment of on agreement described in subsection (c), the court may issue a judgment for monies owed only under an agreement made during the 540-day period preceding the date of the judgment.</text></paragraph></subsection><after-quoted-block>.</after-quoted-block></quoted-block></paragraph></subsection><subsection id="id600c923896ee4a108b8f1321bda158b3"><enum>(o)</enum><header>Compensation of officers</header><paragraph id="id462068d142be4d81a5d7a89662817a99"><enum>(1)</enum><header>In general</header><text>Section 330 of title 11, United States Code, is amended—</text><subparagraph id="id3a4f753466c24c49887cbc3776547214"><enum>(A)</enum><text>in subsection (a)(4)(B), by striking <quote>In a chapter 12 or chapter 13 case in which the debtor is an individual,</quote> and inserting <quote>In a chapter 10 or 12 case in which the debtor is an individual,</quote>;</text></subparagraph><subparagraph id="ida046e52c52984d87b6fa489cf2bb27b7"><enum>(B)</enum><text>by redesignating subsections (c), (d), and (e) as subsections (d), (e), and (f), respectively;</text></subparagraph><subparagraph id="id8dd32b7da82f435a84d81c8d645d6e3f"><enum>(C)</enum><text>by inserting after subsection (b) the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id1cfbcaa69e364022a89ce82b31329503"><subsection id="id2ce24bcdc62e42619546788f5861fc1c" commented="no"><enum>(c)</enum><text>There shall be paid from the filing fee in a case under chapter 10 of this title $120 to the trustee serving in such case, after such trustee’s services are rendered.</text></subsection><after-quoted-block>; and</after-quoted-block></quoted-block></subparagraph><subparagraph id="id37717db69b30438d916176fb397bdd20"><enum>(D)</enum><text>in subsection (d), as so redesignated, by striking <quote>in a case under chapter 12 or 13</quote> and inserting <quote>in a case under chapter 10 or 12</quote>.</text></subparagraph></paragraph><paragraph id="id0e20ab4ce9d54d8cb37163475c60f778"><enum>(2)</enum><header>Conforming amendment</header><text>Section 589a(b)(7) of title 28, United States Code, is amended by striking <quote>section 330(d)</quote> and inserting <quote>section 330(e)</quote>.</text></paragraph></subsection><subsection id="id13cec41322a5437eba972fbb83b742ce"><enum>(p)</enum><header>Meetings of creditors and equity security holders</header><text>Section 341 of title 11, United States Code, is amended—</text><paragraph id="id74c5285778cb41069bb5695a99b5b451"><enum>(1)</enum><text>in subsection (c), by striking <quote>chapter 7 or 13</quote> and inserting <quote>chapter 10 of this title</quote>; </text></paragraph><paragraph id="idc869faf358014312bfbd50936b329fd8"><enum>(2)</enum><text>in subsection (d)—</text><subparagraph id="id01ae4c5dc7004e49b0d25ae1c6195557"><enum>(A)</enum><text>in the matter preceding paragraph (1), by striking <quote>chapter 7</quote> and inserting <quote>chapter 10</quote>;</text></subparagraph><subparagraph id="id8cfcf32b9e3443adbd4ba669277347d9"><enum>(B)</enum><text>in paragraph (1), by adding <quote>and</quote> at the end;</text></subparagraph><subparagraph id="id4074e5481f8b477fb5a5649b008c22cd"><enum>(C)</enum><text>by striking paragraph (2);</text></subparagraph><subparagraph id="idd882990ab54f4f39a98440c3c75857fe"><enum>(D)</enum><text>by redesignating paragraph (3) as paragraph (2);</text></subparagraph><subparagraph id="id0704909ede6d484ab53616d24e7c4c44"><enum>(E)</enum><text>in paragraph (2), as so redesignated, by striking <quote>; and</quote> and inserting a period; and</text></subparagraph><subparagraph id="id3d3266ed0a404f39a237b9f1a0c4914c"><enum>(F)</enum><text>by striking paragraph (4); and</text></subparagraph></paragraph><paragraph id="idd8fca150a1c84c38b95f0460793a0b64"><enum>(3)</enum><text>by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="idd02fcf17af4a4cbf9dad7c29927fca5a"><subsection id="id6c9d39f7ad3b4235a63f7e693c12c433"><enum>(f)</enum><text>In a case under chapter 10 of this title—</text><paragraph id="ide4ace257f8504996a2c276e1cbdf1737"><enum>(1)</enum><text>the meeting of creditors under subsection (a) may be convened electronically and allow remote appearances of all parties;</text></paragraph><paragraph id="id79509e01f5234dfd930ab0d64b1228d7"><enum>(2)</enum><subparagraph commented="no" display-inline="yes-display-inline" id="id73E421FFAB2042A1B0EEFBD57DD46C3C"><enum>(A)</enum><text>the debtor shall not be required to appear in person if it would impose an unreasonable burden on the debtor; and</text></subparagraph><subparagraph id="ida8f95916eeb043859346853efe46f893" indent="up1"><enum>(B)</enum><text>there shall be a rebuttable presumption that in-person attendance at the meeting of creditors under subsection (a) is an unreasonable burden on the debtor if the debtor’s address on the bankruptcy petition is more than 10 miles from the location of the courthouse of the bankruptcy court where the meeting of creditors under subsection (a) would occur; and </text></subparagraph></paragraph><paragraph id="id4fbfa64677054dfe9fcf87fb8c249abd"><enum>(3)</enum><text>the meeting of creditors under subsection (a) shall be scheduled at such times to avoid conflict with the debtor’s employment.</text></paragraph></subsection><after-quoted-block>.</after-quoted-block></quoted-block></paragraph></subsection><subsection id="idaa4f5adb4e7d4fefb19e5d5c6a34daa0"><enum>(q)</enum><header>Notice</header><text>Section 342 of title 11, United States Code, is amended—</text><paragraph id="id8050f7361dc34777b29e88f43f509cd2"><enum>(1)</enum><text>by striking subsections (b) and (d);</text></paragraph><paragraph id="idf1a8515a44f34424ae5861b262be91c5"><enum>(2)</enum><text>by redesignating subsections (c), (e), (f), and (g) as subsections (b), (c), (d), and (e), respectively;</text></paragraph><paragraph id="id66f2ab324f224c919dfe5e2b515e6cf1"><enum>(3)</enum><text>in subsection (c)(1), as so redesignated, by striking <quote>chapter 7 or 13</quote> and inserting <quote>chapter 10</quote>;</text></paragraph><paragraph id="idcf7208c512c14503993f7cbb2a785f55"><enum>(4)</enum><text>in subsection (d), as so redesignated—</text><subparagraph id="id259fe7d2a3184bc68d746a3ecd8c29df"><enum>(A)</enum><text>in paragraph (1), by striking <quote>chapters 7 or 13</quote> and inserting <quote>chapter 10</quote>; and</text></subparagraph><subparagraph id="idbb411c6727434214b89ab488bc036f65"><enum>(B)</enum><text>in paragraph (2)—</text><clause id="id5035e8e8d96e4bd8a608c25a7380ea30"><enum>(i)</enum><text>by striking <quote>chapter 7 or 13</quote> and inserting <quote>chapter 10</quote>; and</text></clause><clause id="id2d39ef470f044d5b8f311efa6b6f48c3"><enum>(ii)</enum><text>by striking <quote>subsection (e)</quote> and inserting <quote>subsection (c)</quote>; and</text></clause></subparagraph></paragraph><paragraph id="idc48b9fc73dad45518273e71809a1404e"><enum>(5)</enum><text>in subsection (e)(2), as so redesignated, by striking <quote>section 362(k)</quote> and inserting <quote>section 362(j)</quote>.</text></paragraph></subsection><subsection id="id9fc30e59dcfc4783adf0d0340b99e048"><enum>(r)</enum><header>Unclaimed property</header><text>Section 347(a) of title 11, United States Code, is amended by striking <quote>under section</quote> and all that follows through <quote>as the case may be</quote> and inserting <quote>under section 726, 1025, 1194, or 1226 of this title under chapter 7, chapter 10, subchapter V of chapter 11, or chapter 12 of this title, as the case may be</quote>.</text></subsection><subsection id="id36ab7d7727dd4cc68567172220d0ff36"><enum>(s)</enum><header>Effect of conversion</header><text>Section 348 of title 11, United States Code, is amended—</text><paragraph id="id4b66e2a115624d92ad0be853cb2aaf5b"><enum>(1)</enum><text>in subsection (b)—</text><subparagraph id="idf1b444ca91514b19b8171ae421c76ac8"><enum>(A)</enum><text>by striking <quote>sections 701(a), 727(a)(10), 727(b), 1102(a), 1110(a)(1), 1121(b), 1121(c), 1141(d)(4), 1201(a), 1221, 1228(a), 1301(a), and 1305(a) of this title</quote> and inserting <quote>sections 701(a), 1009(a), 1025(b), 1027(a), 1027(b), 1031(c), 1102(a), 1110(a)(1), 1121(b), 1121(c), 1141(d)(4), 1201(a), 1221, and 1228(a) of this title</quote>; and</text></subparagraph><subparagraph id="id10efe0c7583646a1a54754d51d999991"><enum>(B)</enum><text>by striking <quote>under section 706, 1112, 1208, or 1307 of this title</quote> and inserting <quote>under section 706, 1005, 1053(c), 1112, or 1208 of this title</quote>;</text></subparagraph></paragraph><paragraph id="id3db1dcf2141e46ce8acc327d7d0f9c4f"><enum>(2)</enum><text>in subsection (c), by striking <quote>under section 706, 1112, 1208, or 1307 of this title</quote> and inserting <quote>under section 706, 1005, 1053(c), 1112, or 1208</quote> of this title;</text></paragraph><paragraph id="idb31a9c35df8745bd9556d2d3a198c396"><enum>(3)</enum><text>in subsection (d), by striking <quote>under section 1112, 1208, or 1307 of this title</quote> and inserting <quote>under section 1005, 1053(c), 1112, or 1208 of this title</quote>;</text></paragraph><paragraph id="id9070bcdcdf36441fb9070440fdbdf4d8"><enum>(4)</enum><text>in subsection (e), by striking <quote>under section 706, 1112, 1208, or 1307 of this title</quote> and inserting <quote>under section 706, 1005, 1053(c), 1112, or 1208</quote> of this title; and</text></paragraph><paragraph id="id12272a05a52d4c02b1460cb7c5adb4e5"><enum>(5)</enum><text>by striking subsection (f).</text></paragraph></subsection><subsection id="id6d38224cd3514a438047ee79ca92f26b"><enum>(t)</enum><header>Effect of dismissal</header><text>Section 349 of title 11, United States Code, is amended—</text><paragraph id="id077b42afe21f409c91c2b940dd036b59"><enum>(1)</enum><text>by striking subsection (a) and inserting the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="idcbb9b60656a84908be3eb62848305da8"><subsection id="id263aa1185652443c93ab38454ca2f649"><enum>(a)</enum><text>The dismissal of a case shall not—</text><paragraph id="id72b8c5c744264740bd463f71298ab729"><enum>(1)</enum><text>bar the discharge, in a later case, of debts that were dischargeable in the case dismissed, except as provided in section 523, 1031, 1141, or 1228; or</text></paragraph><paragraph id="id55090fe0c7d2475ba08f1adb42705aee"><enum>(2)</enum><text>prejudice the debtor with regard to the filing of a subsequent petition, except as provided in subsection (g) or (h) of section 109.</text></paragraph></subsection><after-quoted-block>; and</after-quoted-block></quoted-block></paragraph><paragraph id="id531e7921d9ba4ce2affaf534e2e00b0e"><enum>(2)</enum><text>in subsection (b)(1)(B), by striking <quote>or 724(a) of this title,</quote> and inserting <quote>724(a), or 1041 of this title,</quote>.</text></paragraph></subsection><subsection id="id91cfe2bc29d14b5d8b8aa5bfa2543bc0"><enum>(u)</enum><header>Automatic stay</header><paragraph id="id88b1e0e7e8654fbfa7ccbe3efac19b7d"><enum>(1)</enum><header>In general</header><text>Section 362 of title 11, United States Code, is amended—</text><subparagraph id="id66b0aa9ffa4f4a6ea2fb10d776990456"><enum>(A)</enum><text>in subsection (a)—</text><clause id="id701ef6e8c7654b21ae2ad22950ab5e5f"><enum>(i)</enum><text>in paragraph (3), by inserting <quote>or to retain</quote> after <quote>to exercise control over</quote>;</text></clause><clause id="idae4e1e9de8464ab6a04fc52e4ef14a7d"><enum>(ii)</enum><text>in paragraph (7), by striking <quote>and</quote> at the end;</text></clause><clause id="id297c7d9d90154f46b029fe3ab4230e4d"><enum>(iii)</enum><text>in paragraph (8), by striking the period at the end and inserting <quote>; and</quote>; and</text></clause><clause id="id6989e66a32fe4967bc3046f3d2582e68"><enum>(iv)</enum><text>by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="idabb96e052b1e48eea05b3a5c9ff94cbd"><paragraph id="id97eeb09b004540b99dea3179debd1b15"><enum>(9)</enum><text>in a case under chapter 10 of this title, at any time before the earliest of a conversion or dismissal under section 1005 of this title, a dismissal under section 1053(c) of this title, or a discharge under section 1031 of this title, any act to alter, refuse, or discontinue utility service provided to the debtor under an agreement entered into before the entry of the order for relief.</text></paragraph><after-quoted-block>;</after-quoted-block></quoted-block></clause></subparagraph><subparagraph id="idd7d47b72fe724b2fa18da89d4e72f26d"><enum>(B)</enum><text>in subsection (b)—</text><clause id="id3fa282232dfe4069b40557c695b6d405"><enum>(i)</enum><text>by striking paragraph (22);</text></clause><clause id="id2fad583012a14409836a7a9591ab7c0c"><enum>(ii)</enum><text>by redesignating paragraphs (23), (24), (25), (26), (27), (28), and (29) as paragraphs (22), (23), (24), (25), (26), (27), and (28), respectively;</text></clause><clause id="idce48e5e07cfa4a4cb98f2312f61ca133"><enum>(iii)</enum><text>in paragraph (22), as so redesignated, by striking <quote>subsection (m)</quote> and inserting <quote>subsection (l)</quote>;</text></clause><clause id="ide2e6c1a581e048fb809e3cb2049920f6"><enum>(iv)</enum><text>in paragraph (27), as so redesignated, by striking <quote>and</quote> at the end;</text></clause><clause id="id4028b174bee2470b86382493010af84d"><enum>(v)</enum><text>in paragraph (28), as so redesignated, by striking the period and inserting <quote>; and</quote>; and</text></clause><clause id="idba30bfd1e4b74a72ae5bac30480ccb08"><enum>(vi)</enum><text>by striking the matter following paragraph (28), as so redesignated and inserting the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="idd12fd9711f6b415eb010a934b1e14031"><paragraph id="ide6f0b294b19a4214989a1ac51fedf942"><enum>(29)</enum><text>under subsection (a), over retention of property of the estate subject to a potential loss of value due to accident, casualty, or theft unless the party entitled to possession provides proof of insurance or other security sufficient to protect the creditor against such loss of value.</text></paragraph><after-quoted-block>;</after-quoted-block></quoted-block></clause></subparagraph><subparagraph id="id599fe9b259f04f998347a767d3aff98e"><enum>(C)</enum><text>in subsection (c)—</text><clause id="idded7ad6827a3466591efb2ec34666827"><enum>(i)</enum><text>in the matter preceding paragraph (1), by striking <quote>(f), and (h)</quote> and inserting <quote>and (f)</quote>; </text></clause><clause id="idA435D21A01CC4D6EA2F0BDF81F122BF5"><enum>(ii)</enum><text>by striking paragraphs (2) and (3) and inserting the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="iddc79743fd7a34cc89a10408149b79e98"><paragraph id="id450577e698e545358da0b20a409058c1"><enum>(2)</enum><text>in a case under chapter 7, 9, 11, or 12, the stay of any other act under subsection (a) of this section continues until the earliest of—</text><subparagraph id="id2a7008426fb244e49a5ce581b0cb95f2"><enum>(A)</enum><text>the time the case is closed;</text></subparagraph><subparagraph id="idb03d573ae7da440cb7c6d66073b8660a"><enum>(B)</enum><text>the time the case is dismissed; or</text></subparagraph><subparagraph id="id44054c6498fe497bb13ab7b057655fc7"><enum>(C)</enum><text>if the case is a case under chapter 9, 11, or 12, the time a discharge is granted or denied; </text></subparagraph></paragraph><paragraph id="idac3af9cbf9c94bf08980455dc3c5e548"><enum>(3)</enum><text>in a case under chapter 10, the stay of any other act under subsection (a) of this section continues until the earliest of—</text><subparagraph id="idf1fa2745978d4c8bbb1118d30b5067e5"><enum>(A)</enum><text>the time the case is closed;</text></subparagraph><subparagraph id="ide46887541bf04de3bf90d7c2bfc57114"><enum>(B)</enum><text>the time the case is dismissed; or</text></subparagraph><subparagraph id="id6b71cddea3a64cf791b35221fae50a98"><enum>(C)</enum><text>the time specified in section 1021(e) has expired without the debtor having filed a plan; and</text></subparagraph></paragraph><after-quoted-block>; and</after-quoted-block></quoted-block></clause><clause id="id889d889db357405ba237f0310bbfb0b3"><enum>(iii)</enum><text>in subparagraph (A)(i) of paragraph (4), by striking <quote>dismissed, other than a case refiled under a chapter other than chapter 7 after dismissal under section 707(b),</quote> and inserting <quote>dismissed,</quote>;</text></clause></subparagraph><subparagraph id="id50c85abd80d84714a6b2e10d97739cb4"><enum>(D)</enum><text>in subsection (e)(2), by striking <quote>chapter 7, 11, or 13</quote> and inserting <quote>chapter 10 or 11</quote>;</text></subparagraph><subparagraph id="ided1f56942516430784f971f68290b406"><enum>(E)</enum><text>by striking subsections (h) and (i);</text></subparagraph><subparagraph id="id12a4e0b3b9cb4a08ab176223f2b8af04"><enum>(F)</enum><text>by redesignating subsections (j) through (o) as subsections (h) through (m) respectively; </text></subparagraph><subparagraph id="id51a96a35ef8a4ccfa475333bd416f169"><enum>(G)</enum><text>in subsection (i), as so redesignated—</text><clause id="id753486D99BF045719CC59C35A5E7F057"><enum>(i)</enum><text>by striking <quote>(1) Except as provided in paragraph (2), an</quote> and inserting <quote>An</quote>; and</text></clause><clause id="id0CEA66F5E0024C66BF72842D06BD7386"><enum>(ii)</enum><text>by striking paragraph (2); and</text></clause></subparagraph><subparagraph id="id3F7A5B6FBE9344E0930FF80EB43E41BC"><enum>(H)</enum><text>by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id6baa667e772d4d94a501e64cb586847f"><subsection id="id781cb0f6e6774be19fc28be5a0e5a9e9"><enum>(n)</enum><text>Any agreement of the debtor entered into before the filing of the petition to waive the provisions of this section or any other provision of this title is void.</text></subsection><after-quoted-block>.</after-quoted-block></quoted-block></subparagraph></paragraph><paragraph id="id743c68f5fadf4e34b3c4321899c656b0"><enum>(2)</enum><header>Conforming amendments</header><subparagraph id="idcb80a045d20d4cc18613efacf7d4b5ca"><enum>(A)</enum><text>Section 1519(f) of title 11, United States Code, is amended by striking <quote>section 362(o)</quote> and inserting <quote>section 362(m)</quote>.</text></subparagraph><subparagraph id="id168b3e08113b4a909c7adb479e88c491"><enum>(B)</enum><text>Section 1521(f) of title 11, United States Code, is amended by striking <quote>section 362(o)</quote> and inserting <quote>section 362(m)</quote>.</text></subparagraph></paragraph></subsection><subsection id="id259f9d924cc94fb1a1e12f50ddd2df7c"><enum>(v)</enum><header>Use, sale, or lease of property</header><text>Section 363 of title 11, United States Code, is amended—</text><paragraph id="id922c0a10679f41adb22e4435716de861"><enum>(1)</enum><text>in subsection (c)(1) by striking <quote>section 721, 1108, 1183, 1184, 1203, 1204 or 1304 of this title</quote> and inserting <quote>section 721, 1003, 1108, 1183, 1184, 1203, or 1204 of this title</quote>; and</text></paragraph><paragraph id="id45461c970b374fe9918ae3aca23fa47b"><enum>(2)</enum><text>in subsection (l) by striking <quote>under chapter 11, 12, or 13 of this title</quote> and inserting <quote>under chapter 10, 11, or 12 of this title</quote>.</text></paragraph></subsection><subsection id="id85786cd7d1754904b16764096e0b1b4d"><enum>(w)</enum><header>Obtaining credit</header><text>Section 364(a) of title 11, United States Code, is amended by striking <quote>section 721, 1108, 1183, 1184, 1203, 1204, or 1304 of this title,</quote> and inserting <quote>section 721, 1108, 1183, 1183, 1203, or 1204 of this title,</quote>.</text></subsection><subsection id="id93dfe16828c04b97951ef149272f64f9"><enum>(x)</enum><header>Executory contracts and unexpired leases</header><text>Section 365 of title 11, United States Code, is amended—</text><paragraph id="id85b17f24ee9746a9a34774ec633b0780"><enum>(1)</enum><text>in subsection (d)(2), by striking <quote>under chapter 9, 11, 12, or 13 of this title</quote> and inserting <quote>under chapter 9, 10, 11, or 12 of this title</quote>;</text></paragraph><paragraph id="id3b21aec86f354496badb8a853a4f32de"><enum>(2)</enum><text>in subsection (g)—</text><subparagraph id="ide5b7abc9764a47c48ab90f8ffdfe5e75"><enum>(A)</enum><text>in paragraph (1), by striking <quote>under chapter 9, 11, 12, or 13 of this title,</quote> and inserting <quote>under chapter 9, 10, 11, or 12 of this title,</quote>; and</text></subparagraph><subparagraph id="id3d51a7c5c2594a6cb2496a2a861f6cd0"><enum>(B)</enum><text>in paragraph (2)—</text><clause id="idd9c645a490254c43862437c15818ee42"><enum>(i)</enum><text>in the matter preceding subparagraph (A), by striking <quote>under chapter 9, 11, 12, or 13 of this title</quote> and inserting <quote>under chapter 9, 10, 11, or 12 of this title</quote>;</text></clause><clause id="id5a076dd71db34965b95ff0c27bb8e2ad"><enum>(ii)</enum><text>in subparagraph (A) by striking <quote>under section 1112, 1208 or 1307 of this title,</quote> and inserting <quote>under section 1005, 1053(c), 1112, or 1208 of this title,</quote>; and</text></clause><clause id="id34d79a5144b3488a92dea497d66db399"><enum>(iii)</enum><text>in subparagraph (B), in the matter preceding clause (i), by striking <quote>under section 1112, 1208 or 1307 of this title</quote> and inserting <quote>under section 1005, 1053(c), 1112, or 1208 of this title</quote>; and</text></clause></subparagraph></paragraph><paragraph id="idaf6be548ba494617b8664269edaabb68"><enum>(3)</enum><text>by striking subsection (p) and inserting the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="idc43a1bc81608431f9e9285751f7e69a3"><subsection id="idb03e8fb359a54c878ed390148718ab4f"><enum>(p)</enum><text>Notwithstanding any provision in a lease or applicable nonbankruptcy law, the following shall apply:</text><paragraph id="idd53f486ce9d142f18538632ff5f7f53e"><enum>(1)</enum><subparagraph commented="no" display-inline="yes-display-inline" id="id1c21f6df0af54e4c93f84adbe525d0fa"><enum>(A)</enum><text>If the debtor is an individual, the trustee shall be deemed to have abandoned any unexpired lease of residential real property that is the debtor’s principal residence of which the debtor or the debtor’s spouse or dependents is a tenant.</text></subparagraph><subparagraph id="id19be58a01d544db38d5eafa86fa34f44" indent="up1"><enum>(B)</enum><clause commented="no" display-inline="yes-display-inline" id="id0CD6321AEB6E4F17996D82E789D9EEFE"><enum>(i)</enum><text>Notwithstanding any other provision of this section, the debtor may assume such a lease— </text><subclause indent="up1" id="idC11B45C408C846D18822D72D6341E6B7"><enum>(I)</enum><text>without curing any monetary defaults under the lease that aggregate no more than the amount described in clause (iii); and </text></subclause><subclause indent="up1" id="idE59B3EF0E61B4CA6B6335BDB8BAFEBA0"><enum>(II)</enum><text>without adequate assurance of future performance.</text></subclause></clause><clause id="id0cc1dc8347094a7584de94059b272fd7" indent="up1"><enum>(ii)</enum><text>If there are monetary defaults under the lease that aggregate to more than the amount described in clause (iii), the debtor may not assume such lease unless all monetary defaults in excess of the amount described in clause (iii) are cured.</text></clause><clause indent="up1" id="idB8FC3C7C59C84EE6AC75F7F6483C7E20"><enum>(iii)</enum><text>The amount described in this clause is the amount equal to 6 times the monthly rent to be paid by the debtor under the lease.</text></clause></subparagraph><subparagraph id="idce85049a4f8140d5b4e8bd00a0abb8ee" indent="up1"><enum>(C)</enum><text>Any monetary defaults on such a lease left uncured shall become claims against the estate in accordance with section 365(g).</text></subparagraph><subparagraph id="id4f58b713305349449347c7aa42762906" indent="up1"><enum>(D)</enum><clause commented="no" display-inline="yes-display-inline" id="id9e2547d7788347bc88ef0931678bde68"><enum>(i)</enum><text>All non-monetary defaults on such a lease shall be deemed waived, except those relating to health or safety, which shall require permission of the court to waive or modify if the lessor objects to their waiver or modification.</text></clause><clause id="id3bf739538b0745679405a98b1fe7c56c" indent="up1"><enum>(ii)</enum><text>Any pecuniary loss in accordance with such a non-monetary default shall constitute a claim against the estate in accordance with subsection 365(g).</text></clause></subparagraph><subparagraph id="id39a02a2c12ec444c9c1df7b823922515" indent="up1"><enum>(E)</enum><text>Such a lease not assumed by the debtor, including satisfaction or adequate assurance of any cure required within 60 days of the order of relief, under this paragraph shall return to the bankruptcy estate.</text></subparagraph></paragraph><paragraph id="id99dda4e11a0e45779ebbdece2d114844"><enum>(2)</enum><subparagraph commented="no" display-inline="yes-display-inline" id="ida192b50fccae43f4ac412fbceb2dea0c"><enum>(A)</enum><text>If the debtor is an individual and if an unexpired lease of property not subject to paragraph (1) is rejected or not timely assumed by the trustee under subsection (d), the debtor may move to assume the lease.</text></subparagraph><subparagraph id="id4ebabf9fafa34d80beb7acb8384da9a0" indent="up1"><enum>(B)</enum><text>The court—</text><clause id="id89fa6dddd7124141ab7b867ec78b8148"><enum>(i)</enum><text>may approve such an assumption if the debtor cures any monetary default within 90 days after the date of assumption; and</text></clause><clause id="id819fb49438894d99a0f31a3280418495"><enum>(ii)</enum><text>shall withhold any discharge of the debtor until such cure is made.</text></clause></subparagraph><subparagraph id="id685b5ca4819f4327bffa8757d2bd3156" indent="up1"><enum>(C)</enum><text>The debtor’s interest in the lease or property that is the subject of the lease ceases to be property of the estate if—</text><clause id="id4c930f93c98d4a008d99780148736e1c"><enum>(i)</enum><text>the debtor fails to move to assume the lease within 14 days after the lease is rejected or not timely assumed by the trustee; or</text></clause><clause id="id151c3ef115e14fe2aabe04fa2af7c85b"><enum>(ii)</enum><text>the debtor’s motion to assume the lease is denied.</text></clause></subparagraph><subparagraph id="id47d73321710d4a16a6688f60e914af2b" indent="up1"><enum>(D)</enum><text>All non-monetary defaults on such a lease shall be deemed waived except those relating to health or safety, which shall require permission of the court upon motion to waive or modify if the lessor objects to their waiver or modification.</text></subparagraph></paragraph><paragraph id="ide0b41b07588d4a1992438e8e68089210"><enum>(3)</enum><text>In this subsection, the term <term>lease</term> does not include—</text><subparagraph id="id20e78d07ea9a4dc9ae2642df307494bb"><enum>(A)</enum><text>an agreement that is a security interest under applicable nonbankruptcy law, irrespective of its form; or</text></subparagraph><subparagraph id="idb08213c8f4774f288a551d6b85d33198"><enum>(B)</enum><text>a lease the term of which extends beyond the remaining economic life of the property.</text></subparagraph></paragraph></subsection><after-quoted-block>.</after-quoted-block></quoted-block></paragraph></subsection><subsection id="id2f73c8b5bbb84adeaaa66d7b7940a81f"><enum>(y)</enum><header>Utility service</header><text>Section 366(b) of title 11 United States Code, is amended by striking <quote>Such utility</quote> and inserting <quote>In a case other than under chapter 10 of this title, such utility</quote>.</text></subsection><subsection id="id97fadc549c6b402593efb60c61dc47ee"><enum>(z)</enum><header>Filing of proofs of claims or interests</header><text>Section 501 of title 11, United States Code, is amended by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="idfa3a82de1e1749738a648e67e641cf20"><subsection id="ide9ec09784a114724b80f0757cd660f3d"><enum>(f)</enum><paragraph commented="no" display-inline="yes-display-inline" id="id767a598ae6804adca648f35db17b88a4"><enum>(1)</enum><text>Any creditor that files a claim in a case in which the debtor is an individual, and any attorney representing such creditor, shall at the time of filing certify, under penalty of perjury, whether the creditor has a beneficial interest in the claim and to what extent.</text></paragraph><paragraph id="idd22c28acd92e4e2eab2dc394bb9d31d1" indent="up1"><enum>(2)</enum><text>If the creditor does not hold the entire beneficial interest in the claim, the creditor shall disclose in the certification under paragraph (1) the identity of the party or parties holding the beneficial interest.</text></paragraph><paragraph id="id6542edc9602c4f75922d8c34abc997ba" indent="up1"><enum>(3)</enum><text>The creditor shall promptly notify the court, the trustee, the United States Trustee, and the debtor of any updates necessary to maintain the accuracy of the certification under paragraph (1).</text></paragraph></subsection><subsection id="ide384d1e7d9e0439c8446d12cdc704e5b"><enum>(g)</enum><text>The filing of a claim under this title shall not revive any period of limitations under applicable nonbankruptcy law.</text></subsection><after-quoted-block>.</after-quoted-block></quoted-block></subsection><subsection id="id1665c7b8992548da84cab7830f34f979"><enum>(aa)</enum><header>Allowance of claims or interests</header><paragraph id="idd4b43cc55c71440da8c39bf431f6c2ec"><enum>(1)</enum><header>In general</header><text>Section 502 of title 11, United States Code, is amended—</text><subparagraph id="id017e5029d2134adf95ba2e7c86d6581c"><enum>(A)</enum><text>in subsection (b)—</text><clause id="id0d4deee46c97490ca54a3d5aab5f8879"><enum>(i)</enum><text>in the matter preceding paragraph (1), by striking <quote>subsections (e)(2), (f), (g), (h) and (i)</quote> and inserting <quote>subsections (c), (f)(2), (g), (h), (i) and (j)</quote>;</text></clause><clause id="id4503377f0b50451184f70f0c337b1694"><enum>(ii)</enum><text>in paragraph (2), by striking <quote>interest;</quote> and inserting <quote>interest, including under a prepayment penalty, yield maintenance clause, make-whole clause, or similar contractual provision;</quote>;</text></clause><clause id="id6a68d54b5f9b4b76b0540d98de82ff22"><enum>(iii)</enum><text>by redesignating paragraphs (3) through (9) as paragraphs (5) through (11), respectively;</text></clause><clause id="ideadba1f0cbdf483a8b906ede02d8afc4"><enum>(iv)</enum><text>by inserting after paragraph (2) the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="idb9637dc5595a459fadddebeaf80e49eb"><paragraph id="idf16264229e594842a7084c2ba7d3d895"><enum>(3)</enum><text>such claim is for attorneys’ fees incurred after the entry of the order for relief under this title, except to the extent permitted under section 503 or 506 of this title;</text></paragraph><paragraph id="id3058b9bf96ef4ff283257728e08155b2"><enum>(4)</enum><text>notwithstanding section 506(b), such claim is for a fee incurred under section 1930(b) of title 28;</text></paragraph><after-quoted-block>;</after-quoted-block></quoted-block></clause><clause id="id0441837c01aa4e4982fb9c55a6e92a82"><enum>(v)</enum><text>in paragraph (10), as so redesignated, by striking <quote>or</quote> at the end; and</text></clause><clause id="idedd5b7afca7840c480510fd9e5cd0972"><enum>(vi)</enum><text>in paragraph (11), as so redesignated—</text><subclause id="idF84C053DC66F487EB55A99767703FF61"><enum>(I)</enum><text>by striking <quote>except that—</quote> and all that follows through <quote>a claim of a governmental unit</quote> and inserting <quote>except that a claim of a governmental unit</quote>; </text></subclause><subclause id="id297FD0BFD2A04311AC840DB91B6C7B43"><enum>(II)</enum><text>by striking <quote>provide; and</quote> and inserting <quote>provide.</quote>; and</text></subclause><subclause id="id93C3E7A2E5D9404FB6E5668A4C49BA70"><enum>(III)</enum><text>by striking subparagraph (B); </text></subclause></clause></subparagraph><subparagraph id="id578c84e16f87432baf43167cc198064e"><enum>(B)</enum><text>by striking subsection (k);</text></subparagraph><subparagraph id="idee7b0835a3ea4af48d8458e51874efb9"><enum>(C)</enum><text>by redesignating subsections (d), (e), (f), (g), (h), (i), and (j) as subsections (e), (f), (g), (h), (i), (j), and (k), respectively;</text></subparagraph><subparagraph id="id42fd9d1a064b426a841b7d4a29d013f5"><enum>(D)</enum><text>by inserting after subsection (c) the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="iddff914a8fe8a435b8e85fbf01a3947d5"><subsection id="ided77faa8261e4ba98ba12b445d528166"><enum>(d)</enum><text>The court shall, after notice and a hearing, disallow any claim if the creditor, an affiliate of the creditor, an agent of the creditor, a direct or indirect transferor of the claim to the creditor, or an affiliate of such transferor violated a Federal consumer financial law, as defined in section 1002 of the Consumer Financial Protection Act of 2010 (<external-xref legal-doc="usc" parsable-cite="usc/12/5481">12 U.S.C. 5481</external-xref>), in connection with the claim or an obligation that gave rise to the claim.</text></subsection><after-quoted-block>;</after-quoted-block></quoted-block></subparagraph><subparagraph id="idc1e233b15e67416c9066c794a1c53a45"><enum>(E)</enum><text>in subsection (e), as so redesignated, by striking <quote>or 724(a) of this title</quote> and inserting <quote>724(a) or 1041 of this title</quote>;</text></subparagraph><subparagraph id="ide7c9d25253be46a784463cbc5c22890c"><enum>(F)</enum><text>in subsection (f), as so redesignated, in paragraph (2), by striking <quote>or disallowed under subsection (d)</quote> and inserting <quote>or disallowed under subsection (d) or (e)</quote>;</text></subparagraph><subparagraph id="ida43f648ec0b443de84118d93bcf9f8e6"><enum>(G)</enum><text>in subsection (g), as so redesignated, by striking <quote>or disallowed under subsection (d) or (e)</quote> and inserting <quote>or disallowed under subsection (d), (e), or (f)</quote>;</text></subparagraph><subparagraph id="ide8bc3f04a960498e8621ad30a381fdc2"><enum>(H)</enum><text>in subsection (h), as so redesignated—</text><clause id="id870f6cbd9e8e4596b61826def993aec9"><enum>(i)</enum><text>in paragraph (1)—</text><subclause id="id01c180d17735408dba168226b39777c8"><enum>(I)</enum><text>by striking <quote>chapter 9, 11, 12, or 13</quote> and inserting <quote>chapter 9, 10, 11, or 12</quote>; and</text></subclause><subclause id="ida847d3efcc024d56a989eb4d00ba7a21"><enum>(II)</enum><text>by striking <quote>or disallowed under subsection (d) or (e)</quote> and inserting <quote>or disallowed under subsection (d), (e), or (f)</quote>; and</text></subclause></clause><clause id="id61d1a12ea43b4ac6bfd79f6c05a1fc5f"><enum>(ii)</enum><text>in paragraph (2), by striking <quote>or disallowed under subsection (d) or (e)</quote> and inserting <quote>or disallowed under subsection (d), (e), or (f)</quote>;</text></clause></subparagraph><subparagraph id="id45d0f96f5ecf43c19b8e18692b274d8b"><enum>(I)</enum><text>in subsection (i), as so redesignated, by striking <quote>or disallowed under subsection (d) or (e)</quote> and inserting <quote>or disallowed under subsection (d), (e), or (f)</quote>;</text></subparagraph><subparagraph id="id4c70fd7008f1430f847eeb91f5b2a295"><enum>(J)</enum><text>in subsection (j), as so redesignated, by striking <quote>or disallowed under subsection (d) or (e)</quote> and inserting <quote>or disallowed under subsection (d), (e), or (f)</quote>; and</text></subparagraph><subparagraph id="id8e749c84764c42acb27b83d2621efad7"><enum>(K)</enum><text>by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id455197dcf7e04cd08956787ef0e04a70"><subsection id="id0601872976364bbd9bb9f50e323af948" commented="no"><enum>(l)</enum><paragraph commented="no" display-inline="yes-display-inline" id="idc3215462635844ac973a64d470310b39"><enum>(1)</enum><text>The court shall grant judgment against the creditor and in favor of the estate for costs and reasonable attorneys’ fees—</text><subparagraph id="idc639424ea9df4f8ba46eacba145ea2ad" indent="up1"><enum>(A)</enum><text>if— </text><clause id="id60F37412B17F4043AF4018F7DB6DB854"><enum>(i)</enum><text>a claim is disallowed under subsection (b) because the debt from which it arises is not within the applicable statutory limitations period; and </text></clause><clause id="id99572BF317CD458FA4A9CB68CD0DB876"><enum>(ii)</enum><text>the creditor did not take reasonable actions to form a good faith belief that the debt on which it is based is within the applicable statutory limitations period; or</text></clause></subparagraph><subparagraph id="id106404ce26d54eb4b106240044861b45" indent="up1"><enum>(B)</enum><text>if a claim is disallowed under subsection (d). </text></subparagraph></paragraph><paragraph id="ida4980abd18134ab8abb6c563a5816617" indent="up1" commented="no"><enum>(2)</enum><text>The estate may offset the liability of a creditor under this subsection against any distribution otherwise to be made to the creditor.</text></paragraph><paragraph indent="up1" commented="no" id="idEB28CDE51ACC45D89417001754150FFF"><enum>(3)</enum><text>The remedy provided by this subsection shall not be exclusive of other remedies available to the debtor or the estate.</text></paragraph></subsection><after-quoted-block>.</after-quoted-block></quoted-block></subparagraph></paragraph><paragraph id="id4be32af7b72e4eb49c1a510372247d5e"><enum>(2)</enum><header>Conforming amendments</header><subparagraph id="ide15e0568fc2c4ff58a00ec7da93e9974"><enum>(A)</enum><text>Section 101 of title 11, United States Code, is amended in paragraph (12)(B), as redesignated by this section, by striking <quote>502(f), 502(g), 502(h) or 502(i)</quote> and inserting <quote>subsection (g), (h), (i), or (j) of section 502</quote>.</text></subparagraph><subparagraph id="id0be3af34b7fc408486a4e950d47a4898"><enum>(B)</enum><text>Section 501(d) of title 11, United States Code, is amended by striking <quote>in section 502(e)(2), 502(f), 502(g), 502(h) or 502(i)</quote> and inserting <quote>in subsection (f)(2), (g), (h), (i), or (j) of section 502</quote>.</text></subparagraph><subparagraph id="id2e3d8f6f75ee4f419bf0b4ecd7ed61ff"><enum>(C)</enum><text>Section 503(b) of title 11, United States Code, is amended—</text><clause id="id80fffd6abbd943a3be8ce1c7460c55fc"><enum>(i)</enum><text>in the matter preceding paragraph (1), by striking <quote>section 502(f)</quote> and inserting <quote>section 502(g)</quote>; and</text></clause><clause id="id394b650911734f618c6c6e43fc357b5b"><enum>(ii)</enum><text>in paragraph (7), by striking <quote>section 502(b)(6)</quote> and inserting <quote>section 502(b)(8)</quote>.</text></clause></subparagraph><subparagraph id="id7ea3a89b3cf34c9b9d46a97ef3357b87"><enum>(D)</enum><text>Section 506(d)(1) of title 11, United States Code, is amended by striking <quote>section 502(b)(5) or 502(e)</quote> and inserting <quote>subsection (b)(7) or (f) of section 502</quote>.</text></subparagraph><subparagraph id="idacd6ad21b3434d5d921799fa939ae1bc"><enum>(E)</enum><text>Section 507(a)(3) of title 11, United States Code, is amended by striking <quote>section 502(f)</quote> and inserting <quote>section 502(g)</quote>.</text></subparagraph><subparagraph id="ide2c6ab5b86b240a0963aa656db6edf7f"><enum>(F)</enum><text>Section 509(b)(1)(B) of title 11, United States Code, is amended by striking <quote>section 502(e)</quote> and inserting <quote>section 502(f)</quote>.</text></subparagraph><subparagraph id="id02fedbd04aab42918c20ad8c75fe849b"><enum>(G)</enum><text>Section 544(b)(1) of title 11, United States Code, is amended by striking <quote>section 502(e)</quote> and inserting <quote>section 502(f)</quote>.</text></subparagraph><subparagraph id="idde179f59e6be40a68af5f97f0c811a73"><enum>(H)</enum><text>Section 929 of title 11, United States Code, is amended by striking <quote>section 502(b)(6)</quote> and inserting <quote>section 502(b)(8)</quote>.</text></subparagraph><subparagraph id="id600c03a7ce2f454ba4525ecef9cbb11d"><enum>(I)</enum><text>Section 1114(j) of title 11, United States Code, is amended by striking <quote>section 502(b)(7)</quote> and inserting <quote>section 502(b)(9)</quote>.</text></subparagraph><subparagraph id="ide4612b0f713e472bba6e88f7d57cf65a"><enum>(J)</enum><text>Section 1141(d)(1)(A) of title 11, United States Code, is amended by striking <quote>section 502(g), 502(h), or 502(i)</quote> and inserting <quote>subsection (h), (i), or (j) of section 502</quote>.</text></subparagraph><subparagraph id="idba229e4797364f8aa02d3a10b16621d6"><enum>(K)</enum><text>Section 1232(d)(4) of title 11, United States Code, is amended by striking <quote>or disallowed under subsection (d) or (e) of section 502</quote> and inserting <quote>or disallowed under subsection (d), (e), or (f) of section 502</quote>.</text></subparagraph><subparagraph id="idad9dd06389fb46aebfb63eaf8b05886d" commented="no" display-inline="no-display-inline"><enum>(L)</enum><text>Section 311 of PROMESA (<external-xref legal-doc="usc" parsable-cite="usc/48/2171">48 U.S.C. 2171</external-xref>) is amended by striking <quote>502(b)(6)</quote> and inserting <quote>502(b)(8)</quote>.</text></subparagraph></paragraph></subsection><subsection id="id12381e115a9c4eb4b5ccf1f8f13e74aa"><enum>(bb)</enum><header>Determination of secured status</header><text>Section 506 of title 11, United States Code, is amended—</text><paragraph id="id24bb78b616c24dae9ff86c5ca80c9ba4"><enum>(1)</enum><text>in subsection (a), by striking paragraph (2) and inserting the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id2d7ab1787ef7428ea38ed79a44c10f7e"><paragraph id="idd358105526424e3899fb181b24822f18"><enum>(2)</enum><text>In a case under chapter 10 of this title, any interest of a creditor in property of the debtor or the estate shall be determined by its realizable value as of the date of the filing of the petition.</text></paragraph><after-quoted-block>;</after-quoted-block></quoted-block></paragraph><paragraph id="idebe02fd804db40f4a5bfa53e43920af7"><enum>(2)</enum><text>in subsection (b), by striking <quote>interest on such claim,</quote> and all that follows and inserting <quote>interest on such claim and any reasonable fees, costs, or charges provided for under the agreement or applicable nonbankruptcy law under which such claim arose, with post-petition interest credited to the allowed secured claim before other fees, costs, or charges.</quote>; and</text></paragraph><paragraph id="idd75c5b5fb07840349bdfcefad0090f39"><enum>(3)</enum><text>in subsection (d), in the matter preceding paragraph (1) by striking <quote>allowed secured claim,</quote> and inserting <quote>allowed secured claim pursuant to subsection (a),</quote>.</text></paragraph></subsection><subsection id="id605544d1be8643499a23ca4db4a1d3a0"><enum>(cc)</enum><header>Priorities</header><paragraph id="idA390C0802C194E04924F73C736FC6367"><enum>(1)</enum><header>In general</header><text>Section 507(a) of title 11, United States Code, is amended—</text><subparagraph id="idefb4f6b0319b4c588564e82391da4282"><enum>(A)</enum><text>in paragraph (1)—</text><clause id="id260BE6C5E8F748DC80818FC101882057"><enum>(i)</enum><text>by striking subparagraph (B); </text></clause><clause id="idE5D54923813D4BBC8D5878577B14F6A1"><enum>(ii)</enum><text>by redesignating subparagraph (C) as subparagraph (B); and</text></clause><clause id="id989469EAFA7E4F349EE0EC952823B1B9"><enum>(iii)</enum><text>in subparagraph (B), as so redesignated—</text><subclause id="id4545E353A7304C468840B13758F33622"><enum>(I)</enum><text>by striking <quote>701, 702, 703, 1104, 1202, or 1302</quote> and inserting <quote>1001, 1104, or 1202</quote>; and</text></subclause><subclause id="idB5FC92D1A2D44C94915CD2F328F8C453"><enum>(II)</enum><text>by striking <quote>subparagraphs (A) and (B)</quote> and inserting <quote>subparagraph (A)</quote>; and</text></subclause></clause></subparagraph><subparagraph id="id74e3d860de2945d1a0b0c590936c1af3"><enum>(B)</enum><text>in paragraph (7), by inserting <quote>including the purchase of a store gift card,</quote> after <quote>purchase of services,</quote>.</text></subparagraph></paragraph><paragraph id="idDF69632B01E04C819B128A50590C5C39"><enum>(2)</enum><header>Conforming amendments</header><subparagraph id="id1184428C8D11454D8ADB03D3BDF57532"><enum>(A)</enum><text>Section 724(b)(2) of title 11, United States Code, is amended by striking <quote>section 507(a)(1)(C)</quote> and inserting <quote>section 507(a)(1)(B)</quote>.</text></subparagraph><subparagraph commented="no" id="idB90EBB4E68C44891B564B787F5DCE00E"><enum>(B)</enum><text>Section 1222(a)(4) of title 11, United States Code, is amended—</text><clause commented="no" id="id8B1161B64DA842E8907BE756FFB0F910"><enum>(i)</enum><text>in paragraph (3), by adding <quote>and</quote> at the end; </text></clause><clause commented="no" id="id677A5F91F40C4380815C1AF9B66372AC"><enum>(ii)</enum><text>by striking paragraph (4); and</text></clause><clause commented="no" id="id66027F5093B04A0A943A8AE74B4BC909"><enum>(iii)</enum><text>by redesignating paragraph (5) as paragraph (4).</text></clause></subparagraph></paragraph></subsection><subsection id="id2fc399bfae754004811648523f2a24cf"><enum>(dd)</enum><header>Rate of interest on tax claims</header><text>Section 511 of title 11, United States Code, is amended by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="idea9a28d0f02c4a83a56256c2241a75ff"><subsection id="id37bca28b096440c1b546f973528ed656"><enum>(c)</enum><text>This section shall not apply in a case under chapter 10 of this title.</text></subsection><after-quoted-block>.</after-quoted-block></quoted-block></subsection><subsection id="id1cdd80332a544aee934df3a4a700ed0d"><enum>(ee)</enum><header>Debtor’s duties</header><text>Section 521, of title 11, United States Code, is amended by striking subsections (a) through (j) and inserting the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="ideb2a86d774b74334b09fdd3ad59ec98a"><subsection id="id5e6b3bc5fff64b1e9c946a329bbb346c"><enum>(a)</enum><text>The debtor shall—</text><paragraph id="idb0db54286a1343cd93a6a7b0344f891b"><enum>(1)</enum><text>file—</text><subparagraph id="id911e4615f4f44194ab1ad40ddba67cdd"><enum>(A)</enum><text>a list of creditors; and</text></subparagraph><subparagraph id="id12afbe2ef148446591d463ca1b04c2c0"><enum>(B)</enum><text>unless the court orders otherwise—</text><clause id="id6bed01397dff49c9a948e230a882bf38"><enum>(i)</enum><text>a schedule of assets and liabilities;</text></clause><clause id="idcc9a5f8b2d5e435892633bc63bc16d67"><enum>(ii)</enum><text>a schedule of current income and current expenditures;</text></clause><clause id="idf3280ed85e6b40c8acca633e18a6149e"><enum>(iii)</enum><text>a statement of the debtor’s financial affairs;</text></clause><clause id="id81bd0f5a21e44ab39dcae600621ee8ec"><enum>(iv)</enum><text>a statement disclosing any reasonably anticipated increase in income or expenditures over the 12-month period following the date of the filing of the petition; and</text></clause><clause id="id0d9b4a2283a342cb839047c3c5209634"><enum>(v)</enum><text>if the debtor’s annual income creates or increases the minimum payment obligation as described in clause (ii) or (iii) of section 101(54)(B) of this title—</text><subclause id="idd97ffa8974454ea6ac1ce1c2b03beb22"><enum>(I)</enum><text>a statement of the debtor’s annual income; and</text></subclause><subclause id="ideca5115eddef4c7a9b57c60d42bb7ffe"><enum>(II)</enum><text>the calculations that determine the amount by which the debtor’s annual income creates or increases the minimum payment obligation;</text></subclause></clause></subparagraph></paragraph><paragraph id="ided232eca1ccf41e49d6842923ba02ef9"><enum>(2)</enum><text>if a trustee is serving in the case, cooperate with the trustee as necessary to enable the trustee to perform the trustee’s duties under this title;</text></paragraph><paragraph id="id2ae77e6c1e9c446c82253b8d2af8a0e8"><enum>(3)</enum><text>appear at the hearing required under section 524(d) of this title; and</text></paragraph><paragraph id="id2438fe48ad6d400b9db6827dfd6420f1"><enum>(4)</enum><text>unless a trustee is serving in the case, continue to perform the obligations required of the administrator (as defined in section 3 of the Employee Retirement Income Security Act of 1974) of an employee benefit plan if at the time of the commencement of the case the debtor (or any entity designated by the debtor) served as such administrator.</text></paragraph></subsection><subsection id="idfbd43b5401854147bf055348a34b6c9c"><enum>(b)</enum><text>In a case under chapter 10 of this title:</text><paragraph id="id709c7bef56f248329c1f777f9911e141"><enum>(1)</enum><text>Not later than 7 days before the date first set for the first meeting of creditors, the debtor shall provide to the trustee documentation that establishes the debtor’s income in one or more of the following forms:</text><subparagraph id="id1602e8d5f5cf4cc78254bf291d5907d4"><enum>(A)</enum><text>One or more payment advices, issued within 60 days before the date of the filing of the petition, showing the debtor’s year-to-date income.</text></subparagraph><subparagraph id="id7099d9859fd84e3694f6a234c6b3eebf"><enum>(B)</enum><text>A copy of the Federal income tax return required under applicable law (or at the election of the debtor, a transcript of such return) for the most recent tax year ending immediately before the commencement of the case and for which a Federal income tax return was filed.</text></subparagraph><subparagraph id="id5c8be4197bd048a4be6713769d5a477c"><enum>(C)</enum><text>A W–2 form issued by each employer for the tax year preceding the year the petition is filed.</text></subparagraph><subparagraph id="id6ad95ca32ba14b4e862125ca44919fa9"><enum>(D)</enum><text>Other evidence of payment received within 60 days before the date of the filing of the petition that establishes the debtor’s income.</text></subparagraph></paragraph><paragraph id="id463d4df6a8204aeea8c79ab01f99e867"><enum>(2)</enum><text>If the debtor’s annual income creates or increases the minimum payment obligation as described in clause (ii) or (iii) of section 101(54)(B) of this title, the debtor shall, to the extent not already provided under paragraph (1), provide to the trustee as documentation of income—</text><subparagraph id="idebe8997381a24e029d92d5f71dbf0686"><enum>(A)</enum><text>a copy of the Federal income tax return required under applicable law (or at the election of the debtor, a transcript of such return) for the most recent tax year ending immediately before the commencement of the case and for which a Federal income tax return was required and filed; and</text></subparagraph><subparagraph id="idc9513a2a4ff143d0aa924d6258310dd4"><enum>(B)</enum><text>copies of all payment advices or other evidence of payment received within 60 days before the date of the filing of the petition, by the debtor from any employer of the debtor.</text></subparagraph></paragraph><paragraph id="id5094d0fcd5084958b299dcbc42fe55bd"><enum>(3)</enum><text>Notwithstanding paragraphs (1) and (2), the debtor shall provide additional documentation of income if requested by the trustee or the United States trustee upon reasonable grounds to believe the debtor’s actual income is greater than disclosed and would create or increase the minimum payment obligation as described in clause (ii) or (iii) of section 101(54)(B) of this title.</text></paragraph></subsection><subsection id="id8243914f904d4ba1ac2e340b1c1d4ccd"><enum>(c)</enum><text>If the schedule of current income required by subsection (a)(1)(B)(ii) discloses income that is not more than 80 percent of the amount of annual income that would trigger the documentation obligations in subsection (b)(2) and in the absence of actual knowledge of facts to the contrary, an attorney for the debtor or a bankruptcy petition preparer for the debtor under section 110 of this title may rely on the schedule of current income to determine that—</text><paragraph id="idb37b43395d5e4575ae1017a1fedb973d"><enum>(1)</enum><text>the documentation requirements of subsection (b)(2) do not apply; and</text></paragraph><paragraph id="id1553829f32b7463992f9b844e9d94368"><enum>(2)</enum><text>the debtor is not required to file the statement of annual income required by subsection (a)(1)(B)(v).</text></paragraph></subsection><subsection id="id3f8250509be549479edc22091d57960a"><enum>(d)</enum><text>In a case under chapter 7 or 11:</text><paragraph id="idc0f0bc0f0cf84d2aae405f48bb022d41"><enum>(1)</enum><text>The debtor shall provide—</text><subparagraph id="id1284fc863f5440b685be5e6a88affd6b"><enum>(A)</enum><text>not later than 7 days before the date first set for the first meeting of creditors, to the trustee a copy of the Federal income tax return required under applicable law (or at the election of the debtor, a transcript of such return) for the most recent tax year ending immediately before the commencement of the case and for which a Federal income tax return was filed; and</text></subparagraph><subparagraph id="idf5523cca3da64b73b0fd8882cd359c05"><enum>(B)</enum><text>at the same time the debtor complies with subparagraph (A), a copy of such return (or if elected under subparagraph (A), such transcript) to any creditor that timely requests such copy.</text></subparagraph></paragraph><paragraph id="id0c2a38e6639e44568b0e2f0d4687f13c"><enum>(2)</enum><text>If the debtor fails to comply with subparagraph (A) or (B) of paragraph (1), the court shall dismiss the case unless the debtor demonstrates that the failure to so comply is due to circumstances beyond the debtors's control.</text></paragraph><paragraph id="idca39e9adf24a4b239509822b3c19a232"><enum>(3)</enum><text>If a creditor requests a copy of such tax return or such transcript and if the debtor fails to provide a copy of such tax return or such transcript to such creditor at the time the debtor provides such tax return or such transcript to the trustee, the court shall dismiss the case unless the debtor demonstrates that the failure to provide a copy of such tax return or such transcript is due to circumstances beyond the debtor's control.</text></paragraph></subsection><subsection id="id1c4d9f6150fb496c851f62a50143bf0b"><enum>(e)</enum><text>Failure by the debtor to disclose a cause of action in a schedule required to be filed under this section shall not alone be grounds to dismiss a lawsuit brought to enforce the cause of action.</text></subsection><subsection id="ide99e45db9299467485b9ceda7854d60a"><enum>(f)</enum><text>If requested by the United States trustee or by the trustee, the debtor shall provide—</text><paragraph id="id6829a4f20be94589adaaea39e8bab153"><enum>(1)</enum><text>a document that establishes the identity of the debtor, including a driver’s license, passport, or other document that contains a photograph of the debtor; or</text></paragraph><paragraph id="idf30c926b81ba4ced805329bebb3f3493"><enum>(2)</enum><text>such other personal identifying information relating to the debtor that establishes the identity of the debtor.</text></paragraph></subsection><subsection id="id405e7de05ca64f858022d1899ca27ac8"><enum>(g)</enum><text>At the request of the court, the trustee, or the United States trustee, a debtor under chapter 11 who is an individual shall file with the court—</text><paragraph id="id2643432d9547440da4cdd31295eae28b"><enum>(1)</enum><text>at the same time filed with the taxing authority, a copy of each Federal income tax return required under applicable law (or at the election of the debtor, a transcript of such tax return) with respect to each tax year of the debtor ending while the case is pending under such chapter;</text></paragraph><paragraph id="idf1e8ca7bb6714224a54ac165bc8b678c"><enum>(2)</enum><text>at the same time filed with the taxing authority, each Federal income tax return required under applicable law (or at the election of the debtor, a transcript of such tax return) that had not been filed with such authority as of the date of the commencement of the case and that was subsequently filed for any tax year of the debtor ending in the 3-year period ending on the date of the commencement of the case; and</text></paragraph><paragraph id="id6f5c902d0fb547e3b5106c77c6810a1a"><enum>(3)</enum><text>a copy of each amendment to any Federal income tax return or transcript filed with the court under paragraph (1) or (2).</text></paragraph></subsection><subsection id="idecb90ad24e104ec6b3f52b6b1dd1ec2b"><enum>(h)</enum><paragraph commented="no" display-inline="yes-display-inline" id="id4814bc7d296e47229d198062f47110d6"><enum>(1)</enum><text>Notwithstanding any other provision of this title, if the debtor fails to file a tax return that becomes due after the commencement of the case or to properly obtain an extension of the due date for filing such return, the taxing authority may request that the court enter an order converting or dismissing the case.</text></paragraph><paragraph id="idb036d3748fe34fc6bb362e074db9b202" indent="up1"><enum>(2)</enum><text>If the debtor does not file the required return or obtain the extension referred to in paragraph (1) within 90 days after a request is filed by the taxing authority under that paragraph, the court shall convert or dismiss the case, whichever is in the best interests of creditors and the estate.</text></paragraph></subsection><after-quoted-block>.</after-quoted-block></quoted-block></subsection><subsection id="idcd95bdb04e234dabb635d3c40e55443e"><enum>(ff)</enum><header>Exemptions</header><paragraph id="id1f82cbdc34a84651b3c23b19ec99bf06"><enum>(1)</enum><header>In general</header><text>Section 522 of title 11, United States Code, is amended by striking subsections (a) through (q) and inserting the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id5c61cbf4b6d749c9a783711a6e9d3dd9"><subsection id="ida874f955c6d94bf2aef0b2b9963bd6d6"><enum>(a)</enum><text>In this section—</text><paragraph id="id35fe93bba64c43b7b791ed9379a43ccc"><enum>(1)</enum><text>the term <term>conforming loan limit</term> means that applicable limitation for the debtor’s county of residence governing the maximum original principal obligation for a mortgage secured by a single-family residence, as determined and adjusted annually under section 302(b)(2) of the Federal National Mortgage Association Charter Act (<external-xref legal-doc="usc" parsable-cite="usc/12/1717">12 U.S.C. 1717(b)(2)</external-xref>) and section 305(a)(2) of the Federal Home Loan Mortgage Corporation Act (<external-xref legal-doc="usc" parsable-cite="usc/12/1454">12 U.S.C. 1454(a)(2)</external-xref>); </text></paragraph><paragraph id="idce75d70e64cb48c8a2e3f2c3e0d5536e"><enum>(2)</enum><text>the term <term>dependent</term> includes spouse, whether or not actually dependent; and</text></paragraph><paragraph id="idac40bd64fb4342959f50479e97121c03"><enum>(3)</enum><text>the term <term>value</term> means value—</text><subparagraph id="idf4f986b660e845e29e18d6e3a5294970"><enum>(A)</enum><text>as of the date of the filing of the petition; or</text></subparagraph><subparagraph id="id09e5da49211c42a2a99937f42524ccd1"><enum>(B)</enum><text>with respect to property that becomes property of the estate after such date, as of the date such property becomes property of the estate.</text></subparagraph></paragraph></subsection><subsection id="id04f2cce857aa406bb77c9dd562c57919"><enum>(b)</enum><paragraph commented="no" display-inline="yes-display-inline" id="idff4326bce161445390658f85b0fbef75"><enum>(1)</enum><text>Notwithstanding section 541 of this title, an individual debtor may elect to exempt from property of the estate either the property listed in paragraph (2) or, in the alternative, the property listed in paragraph (3).</text></paragraph><paragraph indent="up1" id="idD78D35BDD7274E9AABAED2256A897DD0"><enum>(2)</enum><subparagraph commented="no" display-inline="yes-display-inline" id="id6CE9416F47F74C579858FD8FF885A518"><enum>(A)</enum><text>The property listed in this paragraph is the following:</text><clause id="id9ee702ef83b64015ba6f05d7a5fbf000" indent="up1"><enum>(i)</enum><text>The debtor’s interest in the debtor’s principal residence, not to exceed—</text><subclause id="id9105d78ac5a04d2bb5ecdbc2f5f71f4e"><enum>(I)</enum><text>75 percent of the conforming loan limit, if the debtor is age 65 or older on the date of the petition not to exceed not to exceed; and</text></subclause><subclause id="idb381219a39ff4b6f8e84139d92e07d74"><enum>(II)</enum><text>50 percent of the conforming loan limit in any other case. </text></subclause></clause><clause id="id031cdaf432874ccb8c37b8bd9aad81fc" indent="up1"><enum>(ii)</enum><text>The debtor’s aggregate interest, unlimited in amount except as provided in subparagraph (B), in the following:</text><subclause id="idd7aeb004feac469cae7c6989584ae1ac"><enum>(I)</enum><text>Professionally prescribed health aids for the debtor or a dependent of the debtor.</text></subclause><subclause id="id6cf1d596cba34ac68d2a7d3618231c2a"><enum>(II)</enum><text>The debtor’s right to receive, or property that is traceable to—</text><item id="idd4fc8fe62b60443e9fe1c37c36a11672"><enum>(aa)</enum><text>a social security benefit, railroad retirement benefit, government pension or retirement benefit, unemployment compensation, or a local public assistance benefit;</text></item><item id="ide6ac7f4a32de4f8d8110e8a1374daaf8"><enum>(bb)</enum><text>a veterans’ benefit;</text></item><item id="id27c092bd26df453f8c100dea7963365c"><enum>(cc)</enum><text>a disability, illness, or unemployment benefit;</text></item><item id="id4623108d192344aa9c396bece289651e"><enum>(dd)</enum><text>alimony, support, or separate maintenance;</text></item><item id="id6fda6181ae484ceab99e323cfbe53bac"><enum>(ee)</enum><text>a payment under a stock bonus, pension, profit sharing, annuity, or similar plan or contract on account of illness, disability, death, age, or length of service, unless—</text><subitem id="id9d5c954530db49cdb1cdc45290ee17ef"><enum>(AA)</enum><text>such plan or contract was established by or under the auspices of an insider that employed the debtor at the time the debtor’s rights under such plan or contract arose;</text></subitem><subitem id="id3e43a6da42f44ed589700ce7ce509689"><enum>(BB)</enum><text>such payment is on account of age or length of service; and</text></subitem><subitem id="idfc6359f5ebce4d0bb2819f95e3f000c0"><enum>(CC)</enum><text>such plan or contract does not qualify under section 401(a), 403(a), 403(b), or 408 of the Internal Revenue Code of 1986;</text></subitem></item><item id="idbde9a638d9194554b39ee88ad4ec4d21"><enum>(ff)</enum><text>an award under a crime victim’s reparation law;</text></item><item id="id0b42d7453cc547dbace6f0ecc648db9a"><enum>(gg)</enum><text>a payment on account of the wrongful death of an individual of whom the debtor was a dependent, except to the extent that such payment is for punitive damages;</text></item><item id="id7f30de6bb83946baace9a1e39a9901d9"><enum>(hh)</enum><text>a payment under a life insurance contract that insured the life of an individual of whom the debtor was a dependent on the date of such individual’s death;</text></item><item id="id78a05b9664434ffdbb32aca3ec653642"><enum>(ii)</enum><text>a payment on account of personal bodily injury, pain and suffering, or compensation for actual pecuniary loss, of the debtor or an individual of whom the debtor is a dependent, except to the extent that such payment is for punitive damages;</text></item><item id="id3a419992cd794f7598e68edff6357d03"><enum>(jj)</enum><text>a payment in compensation of loss of future earnings of the debtor or an individual of whom the debtor is or was a dependent;</text></item><item id="idd44846e6bc8545858c3f55edcefb52c8"><enum>(kk)</enum><text>retirement funds, including a direct transfer of retirement funds from a fund or account that is exempt from taxation under section 401, 403, 408, 408A, 414, 457, or 501(a) of the Internal Revenue Code of 1986, under <external-xref legal-doc="usc" parsable-cite="usc/26/401">section 401(a)(31)</external-xref> of the Internal Revenue Code of 1986, or otherwise, or a distribution that qualifies as an eligible rollover distribution within the meaning of <external-xref legal-doc="usc" parsable-cite="usc/26/402">section 402(c)</external-xref> of the Internal Revenue Code of 1986 or has been distributed from a fund or account that is exempt from taxation under section 401, 403, 408, 408A, 414, 457, or 501(a) of the Internal Revenue Code of 1986 and to the extent allowed by law is deposited in such a fund or account not later than 60 days after the distribution of such amount, to the extent that those funds are or were in a fund or account that is exempt from taxation under section 401, 403, 408, 408A, 414, 457, or 501(a) of the Internal Revenue Code of 1986; or</text></item><item id="idbcf92b1babd34ff5b7a1a188c7472976"><enum>(ll)</enum><text>a tax credit for earned income under <external-xref legal-doc="usc" parsable-cite="usc/26/32">section 32</external-xref> of the Internal Revenue Code of 1986.</text></item></subclause></clause><clause id="ide20d778ba56246efa6be0fccb840a59e" indent="up1"><enum>(iii)</enum><text>The debtor’s interest in any other property up to $35,000 in aggregate value.</text></clause></subparagraph><subparagraph id="id19316ca8fe674620a788922f2916bb64" indent="up1"><enum>(B)</enum><clause commented="no" display-inline="yes-display-inline" id="id0d2375bfc6ef43658db5dcbf230cea48"><enum>(i)</enum><text>The court on its own motion, or upon motion by the trustee or United States trustee, may limit the amount property exempt under item (dd), (ee), (hh), (jj), or (kk) of subparagraph (A)(ii)(II) after notice and hearing if it determines that such property is manifestly unnecessary for the support of the debtor or the debtor’s dependents.</text></clause><clause id="id09faa25b59ff4bb385609280b3e565fc" indent="up1"><enum>(ii)</enum><text>There shall be a rebuttable presumption that aggregate value of property described in any such item in excess of $1,500,000 is manifestly unnecessary for the support of the debtor or the debtor’s dependents.</text></clause></subparagraph><subparagraph id="id95b27e1d036e456e9073e5ecfdd38744" indent="up1"><enum>(C)</enum><clause commented="no" display-inline="yes-display-inline" id="id20888719e2b343d89680f5f2892e8f60"><enum>(i)</enum><text>If the debtor has a dependent, the debtor may double the exemption amounts under subparagraph (A)(iii) unless the dependent is filing a concurrent petition or has filed a petition within the previous 6 years.</text></clause><clause id="id7400d0a89edc474fa47a9ecf4b2df99e" indent="up1"><enum>(ii)</enum><text>The debtor may increase the amounts exempt under subparagraph (A)(iii) in accordance with the number of additional dependents not claimed under clause (i) of this subparagraph by—</text><subclause id="id093d8f63beb94da791b35e8c7b025523"><enum>(I)</enum><text>25 percent for the first additional dependent;</text></subclause><subclause id="ida89cd3ff17b24275b335b82ebd0c0e4a"><enum>(II)</enum><text>an additional 10 percent for the second additional dependent;</text></subclause><subclause id="idcee0d59ca3db4514827724319fa54cf8"><enum>(III)</enum><text>an additional 5 percent for the third additional dependent; and</text></subclause><subclause id="id107be727199245819d172aaf0e158af0"><enum>(IV)</enum><text>an additional 1 percent for each additional dependent beyond the third.</text></subclause></clause><clause id="id9c27d7a0005244489af3e6f8a642bd3f" indent="up1"><enum>(iii)</enum><text>If a debtor has been claimed as dependent under this subparagraph on a previous debtor’s petition within the past 6 years, the court may reduce the amount of such debtor’s exemptions under this subparagraph as the equities of the case require. There shall be a rebuttable presumption that an intervening change in family circumstances, such as separation or divorce, shall not require such a reduction.</text></clause><clause id="id838a8fc735ce4b4ca1170bbd7c27f330" indent="up1"><enum>(iv)</enum><text>If a debtor has a dependent that has been claimed on another debtor’s petition under this subparagraph within the past 6 years, the court may reduce the amount of the debtor’s exemptions under this subparagraph as the equities of the case require. There shall be a rebuttable presumption that an intervening change in family circumstances, such as separation or divorce, shall not require such a reduction.</text></clause><clause id="id0895ec9a999c45b0ba3eec2bdf4db2d7" indent="up1"><enum>(v)</enum><text>When claiming property as exempt from the estate under this subparagraph, the debtor shall indicate on an official form prescribed by the Judicial Conference of the United States in accordance with the Federal Rules of Bankruptcy Procedure whether any of the debtor’s dependents have filed for bankruptcy within the previous 6 years or whether this information is unknown. </text></clause></subparagraph></paragraph><paragraph id="id0bed305c78d347b4805f2ac4da33ca71" indent="up1"><enum>(3)</enum><subparagraph commented="no" display-inline="yes-display-inline" id="id1740f96b38cf44a7a257452690511c73"><enum>(A)</enum><text>The property listed in this paragraph is the following:</text><clause indent="up1" id="idD0E31E1AE826475F98762E7FEE282E34"><enum>(i)</enum><text>Subject to subparagraphs (B) through (E), any property that is exempt under Federal law, other than paragraph (2) of this subsection, or State or local law that is applicable on the date of the filing of the petition to the place in which the debtor’s domicile has been located for the 730 days immediately preceding the date of the filing of the petition or if the debtor’s domicile has not been located in a single State for such 730-day period, the place in which the debtor’s domicile was located for 180 days immediately preceding the 730-day period or for a longer portion of such 180-day period than in any other place.</text></clause><clause id="id8fc183fd4465424dacc68a9fc51e1382" indent="up1"><enum>(ii)</enum><text>Any interest in property in which the debtor had, immediately before the commencement of the case, an interest as a tenant by the entirety or joint tenant to the extent that such interest as a tenant by the entirety or joint tenant is exempt from process under applicable nonbankruptcy law.</text></clause><clause id="id8d4a6a5fa8324338a688797b8a62ef3c" indent="up1"><enum>(iii)</enum><text>Retirement funds to the extent that those funds are in a fund or account that is exempt from taxation under section 401, 403, 408, 408A, 414, 457, or 501(a) of the Internal Revenue Code of 1986. </text></clause></subparagraph><subparagraph id="id707c65d83fc34e2f92b0853dca0ce865" indent="up1"><enum>(B)</enum><clause commented="no" display-inline="yes-display-inline" id="idDBE99E4615104EA182670BCF7C213963"><enum>(i)</enum><text>Notwithstanding any contrary provision of nonbankruptcy law, the exempt amount under this paragraph of any homestead acquired by the debtor within the 1-year period immediately preceding the date of the filing of the petition shall be limited to the exempt amount of value of the debtor’s previous principal residence.</text></clause><clause id="idb554968166714210a594c965fa1282bb" indent="up1"><enum>(ii)</enum><text>If the value of the debtor’s interest in property claimed as a principal residence under this paragraph exceeds $1,000,000, clause (i) applies to a principal residence acquired within the 3-year period immediately preceding the date of filing of the petition.</text></clause></subparagraph><subparagraph id="id8e09463cd03f4285b706182d4690ce6f" indent="up1"><enum>(C)</enum><text>The value of an interest in the debtor’s principal residence shall be reduced to the extent that such value is attributable to any portion of any property that the debtor disposed of in the 10-year period ending on the date of the filing of the petition with the intent to hinder, delay, or defraud a creditor and that the debtor could not exempt, or that portion that the debtor could not exempt under this subsection if on such date the debtor had held the property so disposed of.</text></subparagraph><subparagraph id="id5cfdf9583abe493391e5aab004309aa0" indent="up1"><enum>(D)</enum><clause commented="no" display-inline="yes-display-inline" id="id11e3d8026ec74800bf941a389088b251"><enum>(i)</enum><text>Except as provided in clause (ii) of this subparagraph and sections 544 and 548, as a result of electing to exempt property under State or local law under subparagraph (A)(i), a debtor may not exempt any amount of interest that was acquired by the debtor during the 4-year period preceding the date of the filing of the petition that exceeds in the aggregate $170,000 in value in the debtor’s principal residence.</text></clause><clause id="idcebbd72d70fa4e4fb659d42c42a92b69" indent="up1"><enum>(ii)</enum><subclause commented="no" display-inline="yes-display-inline" id="idda1d826b740348a0a31a57b4ceed30dc"><enum>(I)</enum><text>The limitation under clause (i) shall not apply to an exemption claimed under subparagraph (A)(i) by a family farmer for the principal residence of such farmer.</text></subclause><subclause id="id52e5467820644f26b35e282190ecfc0b" indent="up1"><enum>(II)</enum><text>For purposes of clause (i), any amount of such interest does not include any interest transferred from a debtor’s previous principal residence (which was acquired prior to the beginning of such 4-year period) into the debtor’s current principal residence, if the debtor’s previous and current residences are located in the same State.</text></subclause></clause></subparagraph><subparagraph id="id5901e450249e4cda806bb23a3644ce39" indent="up1"><enum>(E)</enum><clause commented="no" display-inline="yes-display-inline" id="idf0aef29d455c4b5f84ac9eba9d4140ae"><enum>(i)</enum><text>A debtor electing to exempt property under this paragraph may not exempt any amount of an interest in the debtor’s principal residence that exceeds in the aggregate $170,000 if—</text><subclause id="id8a356828fee1432da5d49b024daefd61" indent="up1"><enum>(I)</enum><text>the court determines, after notice and a hearing, that the debtor has been convicted of a felony (as defined in section 3156 of title 18), which under the circumstances demonstrates that the filing of the case was an abuse of the provisions of this title; or</text></subclause><subclause id="id2d0a99f5fcf342078486137a1a8bb7b1" indent="up1"><enum>(II)</enum><text>the debtor owes a debt arising from—</text><item id="id8a4ac92976044fc3b7464aa83632f20f"><enum>(aa)</enum><text>any violation of the Federal securities laws (as defined in section 3(a)(47) of the Securities Exchange Act of 1934), any State securities laws, or any regulation or order issued under Federal securities laws or State securities laws;</text></item><item id="id4d4bc7b1e12947368228433be8dce210"><enum>(bb)</enum><text>fraud, deceit, or manipulation in a fiduciary capacity or in connection with the purchase or sale of any security registered under section 12 or 15(d) of the Securities Exchange Act of 1934 or under section 6 of the Securities Act of 1933;</text></item><item id="id2d03064e3d7942fb8264ab4597927127"><enum>(cc)</enum><text>any civil remedy under section 1964 of title 18;</text></item><item id="idc52f96b9447b44b9a27d6e8447675bce"><enum>(dd)</enum><text>for debts arising from a violation of section 1979 of the Revised Statutes (<external-xref legal-doc="usc" parsable-cite="usc/42/1983">42 U.S.C. 1983</external-xref>); or</text></item><item id="id193fe56c11c140e2b1633a034706b63b"><enum>(ee)</enum><text>any criminal act, intentional tort, or willful or reckless misconduct that caused serious physical injury or death to another individual in the preceding 5 years.</text></item></subclause></clause><clause id="idf1795531cdd54a9a9996b8d2ba994835" indent="up1"><enum>(ii)</enum><text>Clause (i) shall not apply to the extent the amount of an interest in the debtor’s principal residence is reasonably necessary for the support of the debtor or any dependent of the debtor.</text></clause></subparagraph></paragraph><paragraph id="iddcc03cc89e0d43beb17f0312888dc8dd" indent="up1"><enum>(4)</enum><subparagraph commented="no" display-inline="yes-display-inline" id="id6fad7be926a543abaf2902eb6c79b59b"><enum>(A)</enum><text>For the purposes of item (kk) of paragraph (2)(A)(ii)(II) and clause (iii) of paragraph (3)(A), if the trustee, United States trustee, or court on its own motion objects to retirement funds’ status as exempt, and if those retirement funds are in a retirement fund or account that has received a favorable determination under <external-xref legal-doc="usc" parsable-cite="usc/26/7805">section 7805</external-xref> of the Internal Revenue Code of 1986 and that determination is in effect as of the date of the filing of the petition in a case under this title, those funds shall be presumed to be exempt from the estate.</text></subparagraph><subparagraph id="id930a978334a54b9ab8c25a0a58b5f325" indent="up1"><enum>(B)</enum><text>If the retirement funds are in a retirement fund or account that has not received a favorable determination under such section 7805, those funds shall be exempt from the estate if the court determines that—</text><clause id="id6dd3c1b4b78e439e99a2ca0aa15327a6"><enum>(i)</enum><text>no prior determination to the contrary has been made by a court or the Internal Revenue Service; and</text></clause><clause id="id75f347dfc4b84669b767f02411d0800e"><enum>(ii)</enum><subclause commented="no" display-inline="yes-display-inline" id="id9bb85ac881f44ef6989a7550dc8c231e"><enum>(I)</enum><text>the retirement fund is in substantial compliance with the applicable requirements of the Internal Revenue Code of 1986; or</text></subclause><subclause id="id97e8d9f1fdf14cf2a148f80918202f3e" indent="up1"><enum>(II)</enum><text>the retirement fund fails to be in substantial compliance with the applicable requirements of the Internal Revenue Code of 1986 and the debtor is not materially responsible for that failure.</text></subclause></clause></subparagraph></paragraph><paragraph id="id33cc449a27184c8dbc7af3eb99eac188" indent="up1"><enum>(5)</enum><subparagraph commented="no" display-inline="yes-display-inline" id="id2997B458EFAD4C789B1802CCE2CB9E03"><enum>(A)</enum><text>A direct transfer of retirement funds from 1 fund or account that is exempt from taxation under section 401, 403, 408, 408A, 414, 457, or 501(a) of the Internal Revenue Code of 1986, under <external-xref legal-doc="usc" parsable-cite="usc/26/401">section 401(a)(31)</external-xref> of the Internal Revenue Code of 1986, or otherwise, shall not cease to qualify for exemption under item (kk) of paragraph (2)(A)(ii)(II) or clause (iii) of paragraph (3)(A) by reason of such direct transfer.</text></subparagraph><subparagraph id="idf4cde205c9134601be1cc7830b7bfc32" indent="up1"><enum>(B)</enum><clause commented="no" display-inline="yes-display-inline" id="id1de23e04f9ef414d8011a6232b5243fe"><enum>(i)</enum><text>Any distribution that qualifies as an eligible rollover distribution within the meaning of <external-xref legal-doc="usc" parsable-cite="usc/26/402">section 402(c)</external-xref> of the Internal Revenue Code of 1986 or that is described in clause (ii) of this subparagraph shall not cease to qualify for exemption under item (kk) of paragraph (2)(A)(ii)(II) or clause (iii) of paragraph (3)(A) by reason of such distribution.</text></clause><clause id="ide8302639c2a64972aad79f9e021e4760" indent="up1"><enum>(ii)</enum><text>A distribution described in this clause is an amount that—</text><subclause id="id127a4d0566f444228215ad077e93c584"><enum>(I)</enum><text>has been distributed from a fund or account that is exempt from taxation under section 401, 403, 408, 408A, 414, 457, or 501(a) of the Internal Revenue Code of 1986; and</text></subclause><subclause id="id08f2a42b370245e49a76e0d1bb0a1985"><enum>(II)</enum><text>to the extent allowed by law, is deposited in such a fund or account not later than 60 days after the distribution of such amount.</text></subclause></clause></subparagraph></paragraph><paragraph id="id2167e5d8f234422695eacf382b1c55c8" indent="up1"><enum>(6)</enum><subparagraph commented="no" display-inline="yes-display-inline" id="id0a890858f746410b96984a522b69a7ff"><enum>(A)</enum><text>In joint cases filed under section 302 of this title and individual cases filed under section 301 or 303 of this title by or against 2 debtors who are married to each other, and whose estates are ordered to be jointly administered under the Federal Rules of Bankruptcy Procedure, the debtors shall be deemed to elect exempt property under paragraph (2) unless they both affirmatively elect to exempt property under paragraph (3). </text></subparagraph><subparagraph id="id6b8f67e2e3ba443480f62d6a620182a4" indent="up1"><enum>(B)</enum><text>In a joint case, the residence exemptions in subparagraphs (2)(A)(i) and (3)(A)(i) shall be allocated one-half each to each debtor.</text></subparagraph><subparagraph id="id476de88bf4814384a0da246396587593" indent="up1"><enum>(C)</enum><text>The nonresidence exemptions in paragraphs (2)(A)(iii) and (3)(A)(iii) shall apply separately with respect to each debtor in a joint case.</text></subparagraph></paragraph></subsection><subsection id="id85a8d5008648435c9272e5a8111bc18b"><enum>(c)</enum><text>Unless the case is dismissed, property exempted under this section is not liable during or after the case for any debt of the debtor that arose, or that is determined under section 502 of this title as if such debt had arisen, before the commencement of the case, except—</text><paragraph id="ida7597447d32049e39ef88c54fae15d1d"><enum>(1)</enum><text>a debt of a kind specified in paragraph (5) of section 523(a) (in which case, notwithstanding any provision of applicable nonbankruptcy law to the contrary, such property shall be liable for a debt of a kind specified in such paragraph); or</text></paragraph><paragraph id="id2a7efe4c22ff4f30bc0d46daab42b0b7"><enum>(2)</enum><text>a debt secured by a lien that is—</text><subparagraph id="id4e8c9ed56453480a809e2941a4d8caa7"><enum>(A)</enum><text>not avoided under subsection (e) or (g) of this section or under section 544, 545, 547, 548, or 549 of this title; and</text></subparagraph><subparagraph id="id9a9b4627bb294d37b1ea84493c5302ed"><enum>(B)</enum><text>not void under section 506(d) of this title.</text></subparagraph></paragraph></subsection><subsection id="id2f09d857417e4787bb03093fa9229f4a"><enum>(d)</enum><paragraph commented="no" display-inline="yes-display-inline" id="id5b8de543b96b4be9a37c626743ebcaca"><enum>(1)</enum><text>A waiver of an exemption executed in favor of a creditor that holds an unsecured claim against the debtor is unenforceable in a case under this title with respect to such claim against property that the debtor may exempt under subsection (b).</text></paragraph><paragraph id="id92ad43641c2b40b5b514be13d9a1232b" indent="up1"><enum>(2)</enum><text>A waiver by the debtor of a power under subsection (e) or (g) to avoid a transfer, under subsection (f) or (h) to exempt property, or under subsection (h) to recover property or to preserve a transfer, is unenforceable in a case under this title.</text></paragraph></subsection><subsection id="id30424f11ba24453795efede8c4cb1e92"><enum>(e)</enum><paragraph commented="no" display-inline="yes-display-inline" id="id097bc48f4e834affbcdc0b9a16346866"><enum>(1)</enum><text>Notwithstanding any waiver of exemptions, the debtor may avoid the fixing of a lien on an interest of the debtor in property to the extent that such lien impairs an exemption to which the debtor would have been entitled under subsection (b), if such lien is—</text><subparagraph id="id45591ef7d3e640b19caecb0ebc42314b" indent="up1"><enum>(A)</enum><text>a judicial lien, other than a judicial lien that secures a debt of a kind that is specified in section 523(a)(5); or</text></subparagraph><subparagraph id="id0efbf1497dc24059866d135e78e4f8fe" indent="up1"><enum>(B)</enum><text>a nonpossessory, non-purchase-money security interest in any personal, family, or household goods or in any implements, professional books, or tools, of the trade of the debtor or the trade of a dependent of the debtor.</text></subparagraph></paragraph><paragraph id="id5f3b5960814441d99d1abe6aabc165ec" indent="up1"><enum>(2)</enum><subparagraph commented="no" display-inline="yes-display-inline" id="id68037dfd69034c67a92f8f83dc54fc83"><enum>(A)</enum><text>For the purposes of this subsection, a lien shall be considered to impair an exemption to the extent that the sum of—</text><clause id="id8e222717666b46fe8c9b35ed07d1db00" indent="up1"><enum>(i)</enum><text>the lien;</text></clause><clause id="id6058c58ec4e44b2db3442f8153d8dc8c" indent="up1"><enum>(ii)</enum><text>all other liens on the property; and</text></clause><clause id="id09215f9d67dd401fbbe730cad46edbe1" indent="up1"><enum>(iii)</enum><text>the amount of the exemption that the debtor could claim if there were no liens on the property, exceeds the value that the debtor’s interest in the property would have in the absence of any liens.</text></clause></subparagraph><subparagraph id="id7a21974fb4884612a91508aa47dd9226" indent="up1"><enum>(B)</enum><text>In the case of a property subject to more than 1 lien, a lien that has been avoided shall not be considered in making the calculation under subparagraph (A) with respect to other liens.</text></subparagraph><subparagraph id="id38f9a088b70a46319b1b5497ad94fefc" indent="up1"><enum>(C)</enum><text>This paragraph shall not apply with respect to a judgment arising out of a mortgage foreclosure.</text></subparagraph></paragraph></subsection><subsection id="idb0bf5acd0e7e439c8e3d74bbbd3368bf"><enum>(f)</enum><text>Notwithstanding sections 550 and 551 of this title, the debtor may exempt under subsection (b) of this section property that the trustee recovers under section 510(c)(2), 542, 543, 550, 551, or 553 of this title, to the extent that the debtor could have exempted such property under subsection (b) of this section if such property had not been transferred, if—</text><paragraph id="id5e8705499db24b10a0e2eb0e7e347b56"><enum>(1)</enum><subparagraph commented="no" display-inline="yes-display-inline" id="id8c113a7e1686405885408affd9dd59f8"><enum>(A)</enum><text>such transfer was not a voluntary transfer of such property by the debtor; and</text></subparagraph><subparagraph id="id5c0f69387c0f4fc9b98854a459d5188f" indent="up1"><enum>(B)</enum><text>the debtor did not conceal such property; or</text></subparagraph></paragraph><paragraph id="id55337e71722c411daefb73b09237ca82"><enum>(2)</enum><text>the debtor could have avoided such transfer under subsection (e)(1) of this section.</text></paragraph></subsection><subsection id="idefd5d48cbc264bfc9351e59911d6b891"><enum>(g)</enum><text>The debtor may avoid a transfer of property of the debtor or recover a setoff to the extent that the debtor could have exempted such property under subsection (f)(1) if the trustee had avoided such transfer, if—</text><paragraph id="id6ed0c2a0080e486f9f8e720bcfa8db26"><enum>(1)</enum><text>such transfer is avoidable by the trustee under section 544, 545, 547, 548, 549, or 1041 of this title or recoverable by the trustee under section 553 of this title; and</text></paragraph><paragraph id="id13aabc432eb3403e8d643473e7b5b9c7"><enum>(2)</enum><text>the trustee does not attempt to avoid such transfer.</text></paragraph></subsection><subsection id="id6560e5d400bf40b0a065451c22a03f2c"><enum>(h)</enum><paragraph commented="no" display-inline="yes-display-inline" id="id1aace876a4154e7a9effbf50aecd8f76"><enum>(1)</enum><text>If the debtor avoids a transfer or recovers a setoff under subsection (e) or (g), the debtor may recover in the manner prescribed by, and subject to the limitations of, section 550 of this title, the same as if the trustee had avoided such transfer, and may exempt any property so recovered under subsection (b).</text></paragraph><paragraph id="id23ba53d424d84e189d2adb661c214ae7" indent="up1"><enum>(2)</enum><text>Notwithstanding section 551 of this title, a transfer avoided under section 544, 545, 547, 548, 549, or 1041 of this title, under subsection (e) or (g) of this section, or property recovered under section 553 of this title, may be preserved for the benefit of the debtor to the extent that the debtor may exempt such property under subsection (f) of this section or paragraph (1) of this subsection.</text></paragraph></subsection><subsection id="id1901b4362bbb4b6d874ec6cbbba26cdf"><enum>(i)</enum><text>Notwithstanding subsections (f) and (h), the debtor may exempt a particular kind of property under subsections (f) and (h) only to the extent that the debtor has exempted less property in value of such kind than that to which the debtor is entitled under subsection (b).</text></subsection><subsection id="id89f6e587eb16425c9ea2845c05646e30"><enum>(j)</enum><text>Property that the debtor exempts under this section is not liable for payment of any administrative expense except—</text><paragraph id="id36a71b0ad33148b8a128bbff5bcf7905"><enum>(1)</enum><text>the aliquot share of the costs and expenses of avoiding a transfer of property that the debtor exempts under subsection (f), or of recovery of such property, that is attributable to the value of the portion of such property exempted in relation to the value of the property recovered; and</text></paragraph><paragraph id="id8db45ec459bd4ccebf68822d969bda1d"><enum>(2)</enum><text>any costs and expenses of avoiding a transfer under subsection (e) or (g), or of recovery of property under subsection (h)(1), that the debtor has not paid.</text></paragraph></subsection><subsection id="id6334d1ca3f9746ff947687d573a8adec"><enum>(k)</enum><paragraph commented="no" display-inline="yes-display-inline" id="ide512f1413a3e42d2b27a0c9561d71a29"><enum>(1)</enum><subparagraph commented="no" display-inline="yes-display-inline" id="id64903CDFE13147E9AD3943AE153E91CE"><enum>(A)</enum><text>The debtor shall file a list of property that the debtor claims as exempt under subsection (b).</text></subparagraph><subparagraph id="idbf822ad7478541018099100153760745" indent="up2"><enum>(B)</enum><text>If the debtor does not file such a list, a dependent of the debtor may file such a list, or may claim property as exempt from property of the estate on behalf of the debtor.</text></subparagraph></paragraph><paragraph id="iddebe487bce0147d7bd946440ccfabd2f" indent="up1"><enum>(2)</enum><text>Unless a party in interest objects, the property claimed as exempt on such list is exempt.</text></paragraph></subsection><after-quoted-block>.</after-quoted-block></quoted-block></paragraph><paragraph id="idbbd31c017c35409da69608016b5db96f"><enum>(2)</enum><header>Conforming amendment</header><subparagraph id="id16412a320f924841b81fdddaf5eb97ac"><enum>(A)</enum><text>Section 349(b)(1)(B) of title 11, United States Code, is amended by striking <quote>522(i)(1),</quote> and inserting <quote>522(h)(i),</quote>.</text></subparagraph><subparagraph id="id0896700e74564ceca71e72ff4e14ba5c"><enum>(B)</enum><text>Subsection (e) of section 502 of title 11, United States Code, as so redesignated by subsection (aa) of this section, is amended—</text><clause id="id4122b159b48d4ebfa8f16a51fcc53f18"><enum>(i)</enum><text>by striking <quote>section 522(f), 522(h),</quote> and inserting <quote>section 522(e), 522(g),</quote>; and</text></clause><clause id="id0bd7e6d2924f460da608222dd82f52c9"><enum>(ii)</enum><text>by striking <quote>section 522(i)</quote> and inserting <quote>section 522(h)</quote>.</text></clause></subparagraph></paragraph></subsection><subsection id="idbcfe8dfc47874066b787ea7e1262dc67"><enum>(gg)</enum><header>Exceptions to discharge</header><text>Section 523 of title 11, United States Code, is amended—</text><paragraph id="id691308ae0c904311b19d7cf874ad7243"><enum>(1)</enum><text>in subsection (a)—</text><subparagraph id="id6d89aee7cdda41d4966b47036b384aaa"><enum>(A)</enum><text>in the matter preceding paragraph (1)—</text><clause id="ide7f707d998c7434b92b3527094e51ac1"><enum>(i)</enum><text>by striking <quote>727,</quote>; and</text></clause><clause id="ida8c0ae811006472f989c3201810e3337"><enum>(ii)</enum><text>by striking <quote>1328(b)</quote>and inserting <quote>1031(a)</quote>;</text></clause></subparagraph><subparagraph id="idb9daae97ce154886888e2dd5246ecfe0"><enum>(B)</enum><text>in paragraph (1)(B), in the matter preceding clause (i), by inserting <quote>subject to subsection (f),</quote> before <quote>with respect</quote>; </text></subparagraph><subparagraph id="id538a8423aa9d4da9b2adb96bc6307479"><enum>(C)</enum><text>in paragraph (2)—</text><clause id="id106b537c0cd348a9b66d5ad7f0693d09"><enum>(i)</enum><text>in subparagraph (A), by adding <quote>or</quote> at the end;</text></clause><clause id="id6824b1b4a1a940acb93de26fe481990d"><enum>(ii)</enum><text>in subparagraph (B), by striking <quote>or</quote> at the end; and</text></clause><clause id="id0e8572db97fa42058f2b1e7c0b3ea103"><enum>(iii)</enum><text>by striking subparagraph (C);</text></clause></subparagraph><subparagraph id="idd0e92f322c9943b7b1677c37355657f3"><enum>(D)</enum><text>in paragraph (3)—</text><clause id="idea8bae4bd4744f81b4d7647c4dada5ca"><enum>(i)</enum><text>in subparagraph (A), by striking <quote>(4), or (6)</quote> and inserting <quote>(4), (6), or (7)</quote>; and</text></clause><clause id="idde449a8947ec4b72b81e6c6a6fa4d69b"><enum>(ii)</enum><text>in subparagraph (B), by striking <quote>(4), or (6)</quote> and inserting <quote>(4), (6), or (7)</quote>;</text></clause></subparagraph><subparagraph id="id2f42e872544045659329707dea4c9369"><enum>(E)</enum><text>by striking paragraph (7) and inserting the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id18a56eebf66b4cccbe6afd33ef027d4e"><paragraph id="idca71f00f19c942a6929b6bac749c89b8"><enum>(7)</enum><text>to the extent such debt is for a fine, penalty, or restitution—</text><subparagraph id="id720e8962436f48fb9427dc12a0fdb094"><enum>(A)</enum><text>that is incurred in a criminal proceeding and specifically designated as a fine, penalty, or restitution in the sentencing order upon the debtor’s conviction; </text></subparagraph><subparagraph id="idE83D54BD0659449D95D76A2834F280BC"><enum>(B)</enum><text>that is not—</text><clause id="idf0b1cb8f697e4c968319df2309816b41"><enum>(i)</enum><text>for the cost of prosecuting the debtor, including the cost of public defense, incarceration, probation, or any diversion program;</text></clause><clause id="id40f1d0772cc44afcabb230a0953ca3ed"><enum>(ii)</enum><text>for the cost of operating the criminal justice system or funding government functions;</text></clause><clause id="idff3ba5f6d5ba41f18e2f193bf2076ed3"><enum>(iii)</enum><text>for the cost of collecting such debt; or</text></clause><clause id="idb809940122d34ea884436875ae15444d"><enum>(iv)</enum><text>a fee, surcharge, assessment, or interest or collection charge imposed in connection with such debt; and</text></clause></subparagraph><subparagraph id="idd4dc14e47ec84638a227948a4e10b068"><enum>(C)</enum><text>only if the creditor demonstrates that the debtor has substantial financial resources that permit the debtor to pay all or a significant portion of the fine, penalty, or restitution for—</text><clause id="idCF1E0EA3800741E5854E2F189039AD26"><enum>(i)</enum><text>a fine, penalty, or restitution with respect to which the petition is filed on or after the date that is 3 years after the later of— </text><subclause id="idC33EED305C1E41E68C2348776EC0669B"><enum>(I)</enum><text>the date of the sentencing order; or </text></subclause><subclause id="id44462252E1064A7B95BE14E5F31E96B2"><enum>(II)</enum><text>the date on which the debtor was released from incarceration pursuant to the sentencing order; or</text></subclause></clause><clause id="idA9605A2D42C14A1591A6484AE1699BB4"><enum>(ii)</enum><text>a debt that is a tax penalty— </text><subclause commented="no" id="id80f5013931514df79e56485f7ae3d3a2"><enum>(I)</enum><text>relating to a tax of a kind not specified in paragraph (1) of this subsection; or</text></subclause><subclause commented="no" id="idF9EDA445FB1C40F9B044D9796B9D427F"><enum>(II)</enum><text>imposed with respect to a transaction or event that occurred before 3 years before the date of the filing of the petition;</text></subclause></clause></subparagraph></paragraph><after-quoted-block>;</after-quoted-block></quoted-block></subparagraph><subparagraph id="idefc17580618b4437bccc13a78e2c0399"><enum>(F)</enum><text>by striking paragraph (8);</text></subparagraph><subparagraph id="ida5f7fd420d0f432db506c471000bba7a"><enum>(G)</enum><text>by redesignating paragraph (9) as paragraph (8);</text></subparagraph><subparagraph id="id0a2c13383493456b9513918bb414dead"><enum>(H)</enum><text>by inserting after paragraph (8), as so redesignated, the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id249615A221864C5F88EE37F8D6C53620"><paragraph id="id786d95a975634cf2b05587279bf025cb"><enum>(9)</enum><text>that was or could have been listed or scheduled by the debtor in a prior case concerning the debtor under this title in which the debtor waived a discharge, or was denied a discharge under section 727(a) (2), (3), (4), (5), (6), or (7), as in effect on the day before the date of enactment of the <short-title>Consumer Bankruptcy Reform Act of 2022</short-title>, or under section 1031, unless such debt was the subject of a written waiver of discharge and the court has made the determination required by section 1031(b)(3)(B);</text></paragraph><after-quoted-block>;</after-quoted-block></quoted-block></subparagraph><subparagraph id="idf5959fde66c54566a7035fed1a4d2710"><enum>(I)</enum><text>by striking paragraphs (14) and (14A);</text></subparagraph><subparagraph id="id2e6cd59429294ee38abced18aed5d58c"><enum>(J)</enum><text>by redesignating paragraph (14B) as paragraph (14);</text></subparagraph><subparagraph id="id51d7e5ba188c4ad29f4dcad0e6b404ee"><enum>(K)</enum><text>in paragraph (15), by inserting before the semicolon at the end <quote>, except for a debt arising from an obligation to pay, or to hold a former spouse harmless from, joint debts incurred by the debtor and the debtor’s former spouse</quote>; </text></subparagraph><subparagraph id="id3948ff24f2b54c179e3142d138e3d6c5"><enum>(L)</enum><text>in paragraph (16), by inserting <quote>and the debtor or the trustee possesses, occupies, or uses the property</quote> after <quote>such lot</quote>;</text></subparagraph><subparagraph id="id77d427c6e1694f2d98a2ed1139e5b299"><enum>(M)</enum><text>by striking paragraph (17);</text></subparagraph><subparagraph id="ida22b7406b31a4c17b39f92765e01e21c"><enum>(N)</enum><text>by redesignating paragraph (18) as paragraph (17); </text></subparagraph><subparagraph id="id876267D4EADE4E988EE081569F4FECDD"><enum>(O)</enum><text>in paragraph (17), in the matter following subparagraph (B), by striking <quote>or</quote> at the end; and</text></subparagraph><subparagraph id="id10dfef7c6235437dbf48b892e366b7cf"><enum>(P)</enum><text>by striking paragraph (19) and inserting the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id26ce1f60f1f348c79af77487751b4f62"><paragraph id="id6fe431c7999a4c10ad5714dfb45b593a"><enum>(18)</enum><text>in a case under chapter 10, for a debt for compensation owed on the date of the petition to the debtor’s attorney under an agreement described in section 329(c); or</text></paragraph><paragraph id="id086da5996b844875a942f6f167bc1e82"><enum>(19)</enum><text>for debts arising from a violation of section 1979 of the Revised Statutes (<external-xref legal-doc="usc" parsable-cite="usc/42/1983">42 U.S.C. 1983</external-xref>).</text></paragraph><after-quoted-block>;</after-quoted-block></quoted-block></subparagraph></paragraph><paragraph id="id4f7a15deb10140b78136f2693459621e"><enum>(2)</enum><text>in subsection (b), by striking <quote>(a)(1), (a)(3), or (a)(8)</quote> and inserting <quote>(a)(1) or (a)(3)</quote>; </text></paragraph><paragraph id="ida95d5328a46e41cbafaa144d599a276c"><enum>(3)</enum><text>in subsection (c), by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id989EAED4DC3148EB9DECC1660CB8FDDC"><paragraph id="id5c98271e61494deb8c7e6c6d4b2c5091" indent="up1"><enum>(3)</enum><text>Notwithstanding subsection (a) of this section, the debtor shall be discharged from a debt of the kind specified in subsection (a)(7) of this section if the sentencing order fails to separately list any fees, costs, assessments or surcharges in addition to any fine, penalty, or restitution, and such fees, costs, assessments, or surcharges are authorized to be assessed under nonbankruptcy law for the particular crime committed by the debtor, unless—</text><subparagraph id="id3e66e0e28d8c4f83b6f59dbc7f877a5d"><enum>(A)</enum><text>the sentencing order expressly states that no fees, costs, assessments or surcharges are assessed against the debtor in addition to any fine, penalty, or restitution; or</text></subparagraph><subparagraph commented="no" id="idf05936114ccb43249944aa3fb61ae9b5"><enum>(B)</enum><text>on request of the creditor to whom such debt is owed, and after notice and a hearing, the court determines such debt shall not be discharged under subsection (a)(7) of this section.</text></subparagraph></paragraph><after-quoted-block>; and</after-quoted-block></quoted-block></paragraph><paragraph id="id82507EBF42F640BF9B4B0B600D54A313"><enum>(4)</enum><text>by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id71bc603707cc4922bd4ebeacd9a096e3"><subsection id="id031a42bd10c64c708bf8ffdc7264feb2"><enum>(f)</enum><text>For purposes of subparagraph (B) of subsection (a)(1), a return—</text><paragraph id="id3de886de595c40249662b5f3fbf96323"><enum>(1)</enum><text>must satisfy the requirements of applicable nonbankruptcy law; </text></paragraph><paragraph commented="no" display-inline="no-display-inline" id="idEFFEEB435D844C3E884F1D97841DF972"><enum>(2)</enum><text display-inline="yes-display-inline">must have been filed in a manner permitted by applicable nonbankruptcy law regardless of whether it was filed before or after any applicable deadline; </text></paragraph><paragraph id="id69FA5F18CB1D4A90BE0310417DB30C2A"><enum>(3)</enum><text>includes a return prepared pursuant to <external-xref legal-doc="usc" parsable-cite="usc/26/6020">section 6020(a)</external-xref> of the Internal Revenue Code of 1986, or similar State or local law, or a written stipulation to a judgment entered by a nonbankruptcy tribunal; and</text></paragraph><paragraph id="id2896689520DD4143B887C14080CC344A"><enum>(4)</enum><text>does not include a return made pursuant to <external-xref legal-doc="usc" parsable-cite="usc/26/6020">section 6020(b)</external-xref> of the Internal Revenue Code of 1986, or similar State or local law.</text></paragraph></subsection><after-quoted-block>.</after-quoted-block></quoted-block></paragraph></subsection><subsection id="id273c90aa20ee4fc6a337ee27ca66197d"><enum>(hh)</enum><header>Effect of discharge</header><text>Section 524 of title 11, United States Code, is amended—</text><paragraph id="id53313431454d4ff9a1fbfb730c82f9cb"><enum>(1)</enum><text>in subsection (a)—</text><subparagraph id="id506901d2ec604edbaea80ecc2b7d85ee"><enum>(A)</enum><text>in paragraph (1), by striking <quote>727, 944, 1141, 1192, 1228, or 1328</quote> and inserting <quote>sections 727 or 1328, as in effect on the day before the date of enactment of the <short-title>Consumer Bankruptcy Reform Act of 2022</short-title>, or sections 944, 1031, 1141, 1192, or 1228</quote>; and</text></subparagraph><subparagraph id="id12ca2e2cb10e409baf5f9cf0ca18e28c"><enum>(B)</enum><text>in paragraph (3), by striking <quote>1192, 1228(a)(1), or 1328(a)(1)</quote> and inserting <quote>1031, 1192, or 1228(a)(1), or section 1328(a)(1), as in effect on the day before the date of enactment of the <short-title>Consumer Bankruptcy Reform Act of 2022</short-title></quote>;</text></subparagraph></paragraph><paragraph id="id014c8e51ccfe49e6be3c1b83ae8ac993"><enum>(2)</enum><text>in subsection (b)(2)(B), by striking <quote>727</quote> and inserting <quote>1031</quote>;</text></paragraph><paragraph id="idfde9b464ca21421e88b7f4948cfb4046"><enum>(3)</enum><text>by striking subsection (c) and inserting the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="idc9a5a62d41ed4747af28276d796ec859"><subsection id="iddbf9ec3921e74a5eb331e2a5e9243687"><enum>(c)</enum><paragraph commented="no" display-inline="yes-display-inline" id="id3ddf6997f810434f8ad0a88cd3e36d61"><enum>(1)</enum><text>A debtor that receives a discharge under section 1031, or section 727 or 1328, as in effect on the day before the date of enactment of the <short-title>Consumer Bankruptcy Reform Act of 2022</short-title>, the trustee, the United States trustee, or the bankruptcy administrator may bring a civil action against a person that knows or should know that the discharge injunction is applicable and has intentionally or negligently commenced or continued any action described in subsection (a).</text></paragraph><paragraph id="id26162116bab04e8692700c39dbdbb0a4" indent="up1"><enum>(2)</enum><text>An action under paragraph (1) shall be commenced not later than 1 year after the date on which the discharged debtor, the trustee, or the United States trustee discovers that a person has commenced or continued any action described in subsection (a).</text></paragraph><paragraph id="id24cb06cbbc94442eb1ff1e40ae2dbf7a" indent="up1"><enum>(3)</enum><text>In an action under paragraph (1), the court may award relief consistent with this title if the court finds that a person has—</text><subparagraph id="id1ab89c7459454efc82dd238af3d33f42"><enum>(A)</enum><text>engaged in conduct in violation of this section or of any provision of this title; or</text></subparagraph><subparagraph id="idc48b3c381a794be18ea6078460ea23b1"><enum>(B)</enum><text>engaged in fraudulent, unfair, deceptive, or abusive conduct with respect to the debtor or the case.</text></subparagraph></paragraph><paragraph id="id37e0bded88ac453c9579c894a1d8541d" indent="up1"><enum>(4)</enum><text>Subject to paragraph (6), in a successful action under paragraph (1)—</text><subparagraph id="id318EBA14B3E4458BB3532BE316E0BAB4"><enum>(A)</enum><text>the court—</text><clause id="id7c46e24e93f94a1e87e64452456a0e13"><enum>(i)</enum><text>shall award to a discharged debtor injured by a violation of subsection (a)—</text><subclause id="idf72e3074d6ea46248b5cc4dff4207cab"><enum>(I)</enum><text>actual damages, including damages for emotional distress; and</text></subclause><subclause id="ida79cd94e0c7d4cb3b3326575c2641cbd"><enum>(II)</enum><text>reasonable costs and attorneys’ fees; and</text></subclause></clause><clause id="id21A61F05353147B7AA24A81016CFDA30"><enum>(ii)</enum><text>if the trustee or the United States trustee is a prevailing party in the action, shall award to the trustee or the United States trustee—</text><subclause id="id10c70b5f0d8c4dff93f76d9f3dec71b0"><enum>(I)</enum><text>reasonable costs and attorney fees; and</text></subclause><subclause id="idace24cd80b6b4cfa933bcba6a01af3cb"><enum>(II)</enum><text>a fee equal to 3 times the amount sought to be collected by the person found to be in violation of subsection (a); and </text></subclause></clause></subparagraph><subparagraph id="id7a15e3651b784bbea88a8af3bf3b9310"><enum>(B)</enum><text>the court may award punitive damages, as appropriate.</text></subparagraph></paragraph><paragraph id="id7d9fe7cbb6254f19b36b59c7b50901c6" indent="up1"><enum>(5)</enum><subparagraph commented="no" display-inline="yes-display-inline" id="id45717e0144f3480c9e8a6c728a340cbc"><enum>(A)</enum><text>If the court awards punitive damages under paragraph (4) in an action brought or joined by the trustee, the court may award between 10 percent and 25 percent of the punitive damages to the trustee who brought or joined the action.</text></subparagraph><subparagraph id="iddc3144c3779641baa0377b1387608a8f" indent="up1"><enum>(B)</enum><text>Any punitive damages under this subsection shall be in addition to the compensation set out in section 326.</text></subparagraph></paragraph><paragraph id="idb611f00670af4c18a7f7d10c212cf26f" indent="up1"><enum>(6)</enum><text>If the commencement or continuation of any action described in subsection (a) was taken by a person in the good faith belief that subsection (a) did not apply to the debt, and the action was withdrawn upon discovery that subsection (a) applied to the debt, the recovery shall be limited to actual damages, including damages for emotional distress, and reasonable costs and attorneys’ fees. </text></paragraph><paragraph id="id24905c96a9da4f11a1f5fdb5c086738c" indent="up1"><enum>(7)</enum><text>Nothing in this subsection shall be construed to prejudice the ability to bring a motion for contempt of court for a violation of subsection (a).</text></paragraph><paragraph id="ida77d93b6276f4cd782b50f27587f639d" indent="up1"><enum>(8)</enum><text>An agreement between a holder of a claim and the debtor, the consideration for which, in whole or in part, is based on a debt that is dischargeable in a case under this title is voidable by the debtor.</text></paragraph><paragraph id="ide1b99bf09e7b410f8a55a323125949d7" indent="up1"><enum>(9)</enum><text>Any pre-dispute arbitration agreement or pre-dispute joint-action waiver regarding an action under paragraph (1) is voidable by the debtor.</text></paragraph></subsection><after-quoted-block>;</after-quoted-block></quoted-block></paragraph><paragraph id="id80f797f38a3242999ab094c324f74981"><enum>(4)</enum><text>in subsection (d)—</text><subparagraph id="idd0724b5d07164620827a70010eae28ae"><enum>(A)</enum><text>in the matter preceding paragraph (1), by striking <quote>727, 1141, 1192, 1228, or 1328</quote> and inserting <quote>1031, 1141, 1192, or 1228</quote>; and</text></subparagraph><subparagraph id="id61f00275369c4775a844ec00ce0d2c11"><enum>(B)</enum><text>beginning in the matter preceding paragraph (1), by striking <quote>If a discharge has been granted</quote> and all that follows through the end of paragraph (2);</text></subparagraph></paragraph><paragraph id="id4184ab9136894656b7e3788ead59da63"><enum>(5)</enum><text>in subsection (f), by striking <quote>(c) or</quote>; and</text></paragraph><paragraph id="id7fc72d19217145f88c3f3a079e724da5"><enum>(6)</enum><text>by striking subsections (k), (l), and (m) and inserting the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id685308de727f4a3cbbe3a0aea116ad67"><subsection id="id88b6212ff3f64c86b1ae8c7e9918958e"><enum>(k)</enum><paragraph commented="no" display-inline="yes-display-inline" id="id85cff77747444174a359e9594b98f6e8"><enum>(1)</enum><text>Nothing in this section prejudices the ability to bring a motion for contempt of court for a violation of subsection (a) or any cause of action under applicable nonbankruptcy law.</text></paragraph><paragraph id="id71a90274b6ad4408bab6334522844566" indent="up1"><enum>(2)</enum><text>Any pre-dispute arbitration agreement or pre-dispute joint-action waiver purporting to apply to such an action is void.</text></paragraph></subsection><subsection id="id56de81dae6d54e8f95bf463bca5d03c9"><enum>(l)</enum><text>Upon an entity’s request, and after notice and a hearing, the court shall issue an order declaring whether an action proposed to be taken by the entity would be a violation of the discharge injunction under subsection (a).</text></subsection><subsection id="id802b7c7559bb4c9486815f13d4e94f53"><enum>(m)</enum><text>The debtor’s failure to assert, raise, or plead the discharge shall not be construed to be a waiver against asserting the discharge.</text></subsection><after-quoted-block>.</after-quoted-block></quoted-block></paragraph></subsection><subsection id="ideee4b1f54eef4db78b145ba9d0ad7de4"><enum>(ii)</enum><header>Protection against discriminatory treatment</header><text>Section 525 of title 11, United States Code, is amended—</text><paragraph id="ide8cd9e85a7f64c30a65dabbfd111cdb0"><enum>(1)</enum><text>in subsection (a), by striking <quote>solely</quote>;</text></paragraph><paragraph id="id281a0df82000400db34731edb25f8866"><enum>(2)</enum><text>in subsection (b), in the matter preceding paragraph (1);</text><subparagraph id="id51543f183a6143cb883c736192446916"><enum>(A)</enum><text>by inserting <quote>deny employment to,</quote> following <quote>may</quote>; and</text></subparagraph><subparagraph id="ida001b15c55254d139a662e2a98e7f83b"><enum>(B)</enum><text>by striking <quote>solely</quote>; and</text></subparagraph></paragraph><paragraph id="idd43d8e58b56343d08581db9f9ee237c9"><enum>(3)</enum><text>by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="idc57eeac7cd3c4669bd9b10c01a9a65d7"><subsection id="id4d5f424f145e4426981fbc220ca798d6"><enum>(d)</enum><paragraph commented="no" display-inline="yes-display-inline" id="id6c8777270c5944c1897864ef41ddfe8b"><enum>(1)</enum><text>A person aggrieved by a violation of this section may enforce this section in the bankruptcy case or by bringing a civil action in an appropriate district court of the United States.</text></paragraph><paragraph id="id0bd8310906fe46ddb46abeb737814817" indent="up1"><enum>(2)</enum><text>To remedy a violation of this section, a court may—</text><subparagraph id="idc9b0e43d644e408dae570f5417cd7033"><enum>(A)</enum><text>award damages including back pay;</text></subparagraph><subparagraph id="id584181c1d5c646959d6bda3299fa190b"><enum>(B)</enum><text>grant injunctive or other equitable relief; and</text></subparagraph><subparagraph id="id5f05ec357d784029bd243970e07db641"><enum>(C)</enum><text>award of costs, including attorneys’ fees, to an aggrieved party who prevails.</text></subparagraph></paragraph></subsection><after-quoted-block>.</after-quoted-block></quoted-block></paragraph></subsection><subsection id="idaa08d2558b3c473e9672e4c3f4959a25"><enum>(jj)</enum><header>Restrictions on debt relief agencies</header><paragraph id="idc8c48d73d7bc457f89e1e2ec5d6dbb25"><enum>(1)</enum><header>In general</header><text>Section 526 of title 11, United States Code, is repealed.</text></paragraph><paragraph id="id157aea23a5a844c5b6664c107a86f1c9"><enum>(2)</enum><header>Conforming amendment</header><text>The table of sections for <external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/11/5">chapter 5</external-xref> of title 11, United States Code, is amended by striking the item relating to section 526.</text></paragraph></subsection><subsection id="id7a826d098adb46e7875f58749ed2d174"><enum>(kk)</enum><header>Disclosures</header><paragraph id="idf7ff57101f90449a87bd4c30b0487c1f"><enum>(1)</enum><header>In general</header><text>Section 527 of title 11, United States Code, is repealed.</text></paragraph><paragraph id="id52c62b092367454c9f9c8d8156ffcb61"><enum>(2)</enum><header>Conforming amendment</header><text>The table of sections for <external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/11/5">chapter 5</external-xref> of title 11, United States Code, is amended by striking the item relating to section 527.</text></paragraph></subsection><subsection id="idb402eec1650547c18e01d568311e777c"><enum>(ll)</enum><header>Requirements for debt relief agencies</header><paragraph id="id0f62e76ca691411cbc3060e09a67d96a"><enum>(1)</enum><header>In general</header><text>Section 528 of title 11, United States Code, is repealed.</text></paragraph><paragraph id="idfba20e9278fe495f8634eeea1daa4851"><enum>(2)</enum><header>Conforming amendment</header><text>The table of sections for <external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/11/5">chapter 5</external-xref> of title 11, United States Code, is amended by striking the item relating to section 528.</text></paragraph></subsection><subsection id="ida0e4f0ee720f487e881f8bec63928c82"><enum>(mm)</enum><header>Property of the estate</header><text>Section 541 of title 11, United States Code, is amended—</text><paragraph id="idf0441628fe814f1d9625bf1ca614c61a"><enum>(1)</enum><text>in subsection (b)(7)—</text><subparagraph id="id8a9c8a9219c54f9dbdc7ba2caf98149d"><enum>(A)</enum><text>by striking <quote>except that such amount under this subparagraph shall not constitute disposable income as defined in section 1325(b)(2); or</quote> each place it appears;</text></subparagraph><subparagraph id="id3030b1b8c45d4bcd92a33db1d52e94d6"><enum>(B)</enum><text>in subparagraph (A)(i)(III), by adding <quote>or</quote> at the end; and</text></subparagraph><subparagraph id="idccc38b1917a14355b7f685c40a68203c"><enum>(C)</enum><text>in subparagraph (B)(i)(III), by adding <quote>or</quote> at the end;</text></subparagraph></paragraph><paragraph id="ida6355608c10a448fa452f5216d064ceb"><enum>(2)</enum><text>in subsection (c)(2), by striking the period at the end and inserting <quote>, except to the extent necessary to satisfy claims entitled to priority under section 507(a)(1).</quote>; and</text></paragraph><paragraph id="id90048ef7f4444cb589a0f40fa77eacf7"><enum>(3)</enum><text>by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id35793ae430944332bb1e0d7efb8d16b5"><subsection id="id0142ee489248419187d12e24d8a77d2b"><enum>(g)</enum><text>Notwithstanding any contrary provision of nonbankruptcy law, a pre-dispute arbitration agreement or pre-dispute joint-action waiver entered into by the debtor shall not be enforceable against the bankruptcy estate or the debtor for matters arising in, arising under, or related to a case under this title.</text></subsection><after-quoted-block>.</after-quoted-block></quoted-block></paragraph></subsection><subsection id="id9a7ef5600c5e4583a5d188839cc417ca"><enum>(nn)</enum><header>Turnover of property to estate</header><paragraph id="idd02631bf8306409a84b9e7c2877fce05"><enum>(1)</enum><header>In general</header><text>Section 542 of title 11, United States Code, is amended—</text><subparagraph id="ide6c0ff0cc267427390a998855a87fc3a"><enum>(A)</enum><text>in subsection (a)—</text><clause id="idcfe57845117a4d2787dbecddef6c7fb7"><enum>(i)</enum><text>by striking <quote>subsection (c) or (d)</quote> and inserting <quote>subsection (d), (e), or (f)</quote>; and</text></clause><clause id="idf99bec6e0ac74f9093798215bb618faa"><enum>(ii)</enum><text>by striking <quote>shall deliver to the trustee</quote> and inserting <quote>shall, without any condition or further action by the trustee, the debtor, or the court, deliver promptly to the trustee</quote>;</text></clause></subparagraph><subparagraph id="idc91463f9b7c041baaa8b9bbebae082d0"><enum>(B)</enum><text>in subsection (b), by striking <quote>subsection (c) or (d)</quote> and inserting <quote>subsection (d), (e), or (f)</quote>;</text></subparagraph><subparagraph id="id34bf0915cf7844409aa459a2e16be9a9"><enum>(C)</enum><text>by redesignating subsections (c), (d), and (e) as subsections (e), (f), and (g), respectively; and</text></subparagraph><subparagraph id="id1a7958a9635741d4bdbb3180fbf8408f"><enum>(D)</enum><text>by adding before subsection (e), as so redesignated, the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id2fd176c208f34ea9ba985c7892b88977"><subsection id="idcdad0f35b4f145daa7cc4dabf9e7fcb5"><enum>(c)</enum><text>An entity in possession of property that the trustee may use, sell, or lease under section 363 of this title, or that the debtor may exempt under section 522 of this title, shall have, upon delivery of such property to the trustee, the same rights in the property as if the entity remained in possession.</text></subsection><subsection id="id451bbb4101b1484c9ae1d3418d7cc278"><enum>(d)</enum><text>An entity that holds property that the trustee may use, sell, or lease under section 363 of this title, or that the debtor may exempt under section 522 of this title, and that is subject to a potential loss of value due to accident, casualty, or theft shall not be required to deliver such property to the trustee unless the party entitled to possession provides proof of insurance or other security sufficient to protect the creditor against such loss of value.</text></subsection><after-quoted-block>.</after-quoted-block></quoted-block></subparagraph></paragraph><paragraph id="ida8f765da656b4504a94230fb5d2a8e1e"><enum>(2)</enum><header>Conforming amendment</header><text>Section 549(a)(2)(A) of title 11, United States Code, is amended by striking <quote>542(c)</quote> and inserting <quote>542(e)</quote>.</text></paragraph></subsection><subsection id="id1d4c228951ae433a9a43898c6901c8fe"><enum>(oo)</enum><header>Limitations on avoiding powers</header><text>Section 546(a)(1)(B) of title 11, United States Code, is amended by striking <quote>1104, 1163, 1202, or 1302</quote> and inserting <quote>1001, 1104, 1163, or 1202</quote>.</text></subsection><subsection id="idd7600e9f3a5f4a66a50655dcd9740a3e"><enum>(pp)</enum><header>Fraudulent transfers and obligations</header><text>Section 548 of title 11, United States Code, is amended—</text><paragraph id="id040e6a8c3b154d33933adf2168490b64"><enum>(1)</enum><text>in subsection (a)(1), in the matter preceding subparagraph (A), by striking <quote>2 years</quote> and inserting <quote>4 years</quote>;</text></paragraph><paragraph id="idf7a5370bd38f440b903fbf75af35d0c2"><enum>(2)</enum><text>in subsection (b)(1), by striking <quote>2 years</quote> and inserting <quote>4 years</quote>; and</text></paragraph><paragraph id="id2b2c6beb6de84f5aa6e593e1357f2722"><enum>(3)</enum><text>in subsection (e)—</text><subparagraph id="id80ec66c0fc67458cb5997a8165542993"><enum>(A)</enum><text>in paragraph (1)—</text><clause id="idb85d32053855466fa8a6b72843192030"><enum>(i)</enum><text>in the matter preceding subparagraph (A), by striking <quote>In addition</quote> and inserting <quote>Subject to paragraphs (3) and (4), in addition</quote>;</text></clause><clause id="idd226ba5868f74b37a29b52444d114eda"><enum>(ii)</enum><text>in subparagraph (B), by adding <quote>and</quote> at the end;</text></clause><clause id="id38ab69a20e68472f9a3cde5792ce8dbf"><enum>(iii)</enum><text>in subparagraph (C), by striking <quote>; and</quote> and inserting a period; and</text></clause><clause id="id164e6854924b426e95344145e746f9c5"><enum>(iv)</enum><text>by striking subparagraph (D); and</text></clause></subparagraph><subparagraph id="idccfa11f9c8334aab8f6e17a5dc1e90b4"><enum>(B)</enum><text>by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id352c48019c3b4e5ab02dcf6a69aedad0"><paragraph id="id8461d00f13604dabaa5418651796b6e8"><enum>(3)</enum><text>The trustee may not avoid under paragraph (1) a transfer of property that is exempt from the estate pursuant to paragraph (2)(A)(ii)(II)(kk) or (3)(A)(iii) of section 522(b).</text></paragraph><paragraph id="ida4eb49b07fd64b1a9ca996b1d7491711"><enum>(4)</enum><subparagraph commented="no" display-inline="yes-display-inline" id="id4d6911c1f0044208bfc50e8df3a41a14"><enum>(A)</enum><text>The trustee may not avoid under paragraph (1) a transfer that was not made with actual intent to hinder, delay, or defraud.</text></subparagraph><subparagraph id="idf84137dde4ee4a9ba33a0467f00c279b" indent="up1"><enum>(B)</enum><text>The defendant in any action under this subsection has the burden of proof in pleading and proving that the transfer was not made with actual intent to hinder, delay, or defraud creditors.</text></subparagraph></paragraph><after-quoted-block>.</after-quoted-block></quoted-block></subparagraph></paragraph></subsection><subsection id="idc03bb246dee340b4879c5a0c6ec5ffed"><enum>(qq)</enum><header>Liability of transferee of avoided transfer</header><text>Section 550 of title 11, United States Code, is amended by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id34fc54beef0d4bdcbe6f20856f7f5586"><subsection id="id9f61c8d3873f4966ac8622bcd2f87ea5"><enum>(g)</enum><text>The trustee may recover from a transferee the costs of bringing a successful avoidance action, including reasonable attorney fees, for the avoidance of a transfer under section 544(b) under—</text><paragraph id="idfa464fb975434ca999e0030525891048"><enum>(1)</enum><text>an applicable nonbankruptcy law that prohibits a transfer made with actual intent to hinder, delay, or defraud a creditor;</text></paragraph><paragraph id="id1e0fbcfc526b4de7aaf1c09b792dd029"><enum>(2)</enum><text>section 548(a)(1); or</text></paragraph><paragraph id="id27c8e5bcaf7644ec827c91c7d07452fd"><enum>(3)</enum><text>section 548(e).</text></paragraph></subsection><after-quoted-block>.</after-quoted-block></quoted-block></subsection><subsection id="idd83aa4faf20a4dddb5daed839f135f84"><enum>(rr)</enum><header>Expedited determination of interests in, and abandonment or other disposition of grain assets</header><text>Section 557(d)(3) of title 11, United States Code, is amended by striking <quote>1104, 1183, 1202, and 1302</quote> and inserting <quote>1001, 1104, 1183, and 1202</quote>.</text></subsection><subsection id="id2b0b56eb72f64f319b5d6d0586d5724e"><enum>(ss)</enum><header>Duties of trustee</header><text>Section 704 of title 11, United States Code, is amended—</text><paragraph id="iddc524cd3cf9b4110ab246b58bbe6c067"><enum>(1)</enum><text>in subsection (a)—</text><subparagraph id="id165aec8e87fc439cb0cbda838f5f808c"><enum>(A)</enum><text>by striking <quote>(a)</quote>;</text></subparagraph><subparagraph id="id64ea308ed59442ff9ecbd3b9cbd0bebe"><enum>(B)</enum><text>by striking paragraphs (3) and (10); and</text></subparagraph><subparagraph id="idb97a7f357b8549ca87d00b11b31920b7"><enum>(C)</enum><text>by redesignating paragraphs (4), (5), (6), (7), (8), (9), (11), and (12) as paragraphs (3), (4), (5), (6), (7), (8), (9), and (10), respectively;</text></subparagraph></paragraph><paragraph id="idf80ca411619f434bb2dc589cf6636c84"><enum>(2)</enum><text>by striking subsection (b); and</text></paragraph><paragraph id="id83d846d67c0e406a825ff969b5a7eccd"><enum>(3)</enum><text>by striking subsection (c).</text></paragraph></subsection><subsection id="ide801373e010b495fa7395a2f30372ec8"><enum>(tt)</enum><header>Conversion</header><text>Section 706 of title 11, United States Code, is amended—</text><paragraph id="id3df0127015f74ed79a453563cb0a91d1"><enum>(1)</enum><text>in subsection (a)—</text><subparagraph id="id73fc1d0cc3304bcc8ca22b8f8d53a0bd"><enum>(A)</enum><text>by striking <quote>11, 12, or 13</quote> and inserting <quote>11 or 12</quote>; and</text></subparagraph><subparagraph id="id53e99d9f70c44780adaf3ade912f34a0"><enum>(B)</enum><text>by striking <quote>1112, 1208, or 1307</quote> and inserting <quote>1112 or 1208</quote>; and</text></subparagraph></paragraph><paragraph id="id3bfa72f5b5e54ac3a42c058af6242697"><enum>(2)</enum><text>in subsection (c), by striking <quote>12 or 13</quote> and inserting <quote>12</quote>.</text></paragraph></subsection><subsection id="ide0e27a2e510347a296632f5583f58c43"><enum>(uu)</enum><header>Dismissal of a case or conversion to a case under chapter 11 or 13</header><paragraph id="iddaae2708c5b5478bb19b90c81e125db0"><enum>(1)</enum><header>In general</header><text>Section 707 of title 11, United States Code, is amended—</text><subparagraph id="id9be8811dab944c1fa70b8c97dd5d1434"><enum>(A)</enum><text>in the section heading, by striking <quote><header-in-text level="section" style="USC">or conversion to a case under chapter 11 or 13</header-in-text></quote>;</text></subparagraph><subparagraph id="id8e4c78aa59ee4a8b9128d93643cdf96b"><enum>(B)</enum><text>in subsection (a), by striking <quote>(a) The</quote> and inserting <quote>The</quote>;</text></subparagraph><subparagraph id="id066eb24749614187aedaddac1054df4a"><enum>(C)</enum><text>by striking subsection (b); and</text></subparagraph><subparagraph id="idf5b7cd3165174f4b86bf2fbf778b784e"><enum>(D)</enum><text>by striking subsection (c).</text></subparagraph></paragraph><paragraph id="id1e9f0ce1e85747ba8c7ab6bc67e297f8"><enum>(2)</enum><header>Conforming amendment</header><text>The table of sections for <external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/11/7">chapter 7</external-xref> of title 11, United States Code, is amended by striking the item relating to section 707 and inserting the following:</text><quoted-block style="OLC" id="idf40d47f5-448f-451a-966d-d6ca337bc86f"><toc><toc-entry level="section">707. Dismissal of a case.</toc-entry></toc><after-quoted-block>.</after-quoted-block></quoted-block></paragraph></subsection><subsection id="id3a2802fe1027439fa9ffe2610e24f2d0"><enum>(vv)</enum><header>Redemption</header><paragraph id="id6ea42ffe70d64532afda0e28ace0a347"><enum>(1)</enum><header>In general</header><text>Section 722 of title 11, United States Code, is repealed.</text></paragraph><paragraph id="id581c4466f99c41c28dd3483aa78153ac"><enum>(2)</enum><header>Conforming amendment</header><text>The table of sections for <external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/11/7">chapter 7</external-xref> of title 11, United States Code, is amended by striking the item relating to section 722.</text></paragraph></subsection><subsection id="id1812df535659472484d00e6db61d5773"><enum>(ww)</enum><header>Distribution of property of the estate</header><text>Section 726(b) of title 11, United States Code, is amended by striking <quote>1112, 1208, or 1307</quote> and inserting <quote>1005, 1053(c), 1112, or 1208</quote>.</text></subsection><subsection id="idee27acdff479404396fb96ee4763fbbf"><enum>(xx)</enum><header>Discharge</header><paragraph id="id7a8b164de824497780bd5cfeba0c494d"><enum>(1)</enum><header>In general</header><text>Section 727 of title 11, United States Code, is repealed.</text></paragraph><paragraph id="id1ff5482ff18e4f9c980bcf9cd4870ab1"><enum>(2)</enum><header>Conforming amendment</header><text>The table of sections for <external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/11/7">chapter 7</external-xref> of title 11, United States Code, is amended by striking the item relating to section 727.</text></paragraph></subsection><subsection id="id5c7aa79956464b64acfdf5668b439ceb"><enum>(yy)</enum><header>Duties of trustee and examiner</header><text>Section 1106 of title 11, United States Code, is amended—</text><paragraph id="idd9c270b5b4014aef9d73b4a505e09d6a"><enum>(1)</enum><text>in subsection (a)—</text><subparagraph id="id2d52b28207b34a1cb501eea60d27960e"><enum>(A)</enum><text>in paragraph (1), by striking <quote>paragraphs (2), (5), (7), (8), (9), (10), (11), and (12) of section 704(a)</quote> and inserting <quote>paragraphs (2), (4), (6), (7), (8), (9), and (10) of section 704</quote>; and</text></subparagraph><subparagraph id="idabc6aef1f9b742a3b8a3e992c64c59b6"><enum>(B)</enum><text>in paragraph (5), by striking <quote>12, or 13</quote> and inserting <quote>7, 10, or 12</quote>; and</text></subparagraph></paragraph><paragraph id="id288579090e5c46d993a6868c120a2ea7"><enum>(2)</enum><text>in subsection (c)(1)(C), by striking clause (iv) and inserting the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id20f17ed158b1471cb9a9d6cdffdc5e43"><clause id="idae2fb648bb1345f0b227bd05acecae2b"><enum>(iv)</enum><text>the name of each creditor that holds a claim that is not discharged under paragraph (2) or (4) of section 523(a) of this title.</text></clause><after-quoted-block>.</after-quoted-block></quoted-block></paragraph></subsection><subsection id="id575b4ed9596b4ad6a9d32c36927200fc"><enum>(zz)</enum><header>Conversion or dismissal</header><text>Section 1112 of title 11, United States Code, is amended—</text><paragraph id="id4f05e752d2484f00be3e4293f08d7a6f"><enum>(1)</enum><text>in subsection (a)—</text><subparagraph id="id31ba6105a8e14e7f86df753b7ebab358"><enum>(A)</enum><text>in paragraph (2), by striking <quote>or</quote>;</text></subparagraph><subparagraph id="id95bc2acbbcd04db2bb0a242e4022671e"><enum>(B)</enum><text>in paragraph (3), by striking the period at the end and inserting <quote>; or</quote>; and</text></subparagraph><subparagraph id="idcb657e62ff174279b71001a568e483eb"><enum>(C)</enum><text>by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id7ddd8e183ec14f8caf2210aac2f27534"><paragraph id="id27bc91c482ba4ac7b0837c2f1b567d80"><enum>(4)</enum><text>the debtor is an individual.</text></paragraph><after-quoted-block>;</after-quoted-block></quoted-block></subparagraph></paragraph><paragraph id="id53aba65377f54084baffc148f4288d80"><enum>(2)</enum><text>in subsection (b)(1), by inserting <quote>in a case in which the debtor is not an individual,</quote> after <quote>subsection (c),</quote>;</text></paragraph><paragraph id="idab1358374c564b088fbf8819d8baa7f6"><enum>(3)</enum><text>in subsection (d), by striking <quote>12 or 13</quote> and insert <quote>10 or 12</quote>;</text></paragraph><paragraph id="idaa755639c9924cf2a82933a42f45286b"><enum>(4)</enum><text>by redesignating subsection (f) as subsection (g); and</text></paragraph><paragraph id="id371743ba50d5484bb98884c33837c74c"><enum>(5)</enum><text>by inserting after subsection (e), the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="idb02b079919824e48bd060d50f84620ef"><subsection id="ida4330d3e13384b8e93f202646267367b"><enum>(f)</enum><text>The debtor may convert a case under this chapter to a case under chapter 10 of this title at any time. Any waiver of the right to convert under this subsection is unenforceable.</text></subsection><after-quoted-block>.</after-quoted-block></quoted-block></paragraph></subsection><subsection id="idffe2f13c0bb3451382f6112f7d820aff"><enum>(aaa)</enum><header>Property of the estate</header><text>Section 1115(a) of title 11, United States Code, is amended by striking <quote>7, 12, or 13</quote> each place it appears and inserting <quote>10 or 12</quote>.</text></subsection><subsection id="id96093ee25b18493cb072c680bb6b9e7c"><enum>(bbb)</enum><header>Contents of plan</header><text>Section 1123(a)(8) of title 11, United States Code, is amended by striking <quote>for the execution of the plan.</quote> and inserting <quote>for the debtor to meet the minimum payment obligation of the debtor.</quote>.</text></subsection><subsection id="id4f9e393853a04a0c9c72764ec587363a"><enum>(ccc)</enum><header>Confirmation of plan</header><text>Section 1129(a)(15)(B) of title 11, United States Code, is amended by striking <quote>the projected disposable income</quote> and all that follows through <quote>whichever is longer</quote> and inserting <quote>the minimum payment obligation of the debtor under a repayment plan under section 1021(a)(1) if the case were a case under chapter 10</quote>.</text></subsection><subsection id="id2d804a914f15496db806f27c726d0415"><enum>(ddd)</enum><header>Effect of confirmation</header><text>Section 1141(d) of title 11, United States Code, is amended—</text><paragraph id="id4dd35ca458c74824b5476d6ae87ce601"><enum>(1)</enum><text>in paragraph (3)(C)—</text><subparagraph id="id974932bd7194450a8cb1ef10222a283b"><enum>(A)</enum><text>by striking <quote>section 727(a)</quote> and inserting <quote>section 1031</quote>; and</text></subparagraph><subparagraph id="id6437b6393379417eb1dcf4d27d38fddf"><enum>(B)</enum><text>by striking <quote>chapter 7</quote> and inserting <quote>chapter 10</quote>; and</text></subparagraph></paragraph><paragraph id="idfb8023f772ca4377997715625cf9d4f9"><enum>(2)</enum><text>in paragraph (5)—</text><subparagraph id="idb5337d7ae7724ee49a4875497288d384"><enum>(A)</enum><text>in subparagraph (A), by adding <quote>and</quote> at the end;</text></subparagraph><subparagraph id="ide216cdcfc8b243f8b8aacf9c601e8d18"><enum>(B)</enum><text>in subparagraph (B), by striking <quote>; and</quote> at the end and inserting a period; and</text></subparagraph><subparagraph id="idbbd7e5a9b619450a92168cf93737bc96"><enum>(C)</enum><text>by striking subparagraph (C).</text></subparagraph></paragraph></subsection><subsection id="idde0c9b8fe9ff4dcaa7348b52b2b83e05"><enum>(eee)</enum><header>Trustee</header><text>Section 1183(b) of title 11, United States Code, is amended—</text><paragraph id="idd9a65171e0534d758bacb99af89b04ba"><enum>(1)</enum><text>in paragraph (1), by striking <quote>paragraphs (2), (5), (6), (7), and (9) of section 704(a)</quote> and inserting <quote>paragraphs (2), (4), (5), (6), and (8) of section 704</quote>;</text></paragraph><paragraph id="id85eda51fa76848bcae1fc4245ac652aa"><enum>(2)</enum><text>in paragraph (5)(A), by striking <quote>704(a)(8)</quote> and inserting <quote>704(7)</quote>; and</text></paragraph><paragraph id="id7752f00a7ecc47f9a67b69c5cf63428f"><enum>(3)</enum><text>in paragraph (6), by striking <quote>704(c)</quote> and inserting <quote>1001(b)(5)</quote>.</text></paragraph></subsection><subsection id="idbed8c661abb6465d9ab86bb3d3eac124"><enum>(fff)</enum><header>Property of the estate</header><text>Section 1186(a) of title 11, United States Code, is amended by striking <quote>7, 12, or 13</quote> each place it appears and inserting <quote>7, 10, or 12</quote>.</text></subsection><subsection id="id07c0244bd3be4503aa66a76e08308089"><enum>(ggg)</enum><header>Trustee</header><text>Section 1202 of title 11 United States Code, is amended—</text><paragraph id="id9a9f58e8a6644cfdb5dc747e6a9a6a38"><enum>(1)</enum><text>in subsection (b)—</text><subparagraph id="id1e0cbbf7b8324fa1973af77cf70a4ffb"><enum>(A)</enum><text>in paragraph (1), by striking <quote>sections 704(a)(2), 704(a)(3), 704(a)(5), 704(a)(6), 704(a)(7), and 704(a)(9)</quote> and inserting <quote>paragraphs (2), (3), (4), (5), (6), and (8) of section 704</quote>; and</text></subparagraph><subparagraph id="idd0c4287c794445eba4c27fa14e67939d"><enum>(B)</enum><text>in paragraph (5), by striking <quote>704(a)(8)</quote> and inserting <quote>704(7)</quote>; and</text></subparagraph></paragraph><paragraph id="id7ea1166431b94ca288d70073f1e6186d"><enum>(2)</enum><text>in subsection (c)(1)(C), by striking clause (iv) and inserting the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="idd850fbb3acf741e4a9950c7420d7a7bb"><clause id="iddb9293199b8a45cc97d15d8154ad32e8"><enum>(iv)</enum><text>the name of each creditor that holds a claim that is not discharged under paragraph (2) or (4) of section 523(a) of this title.</text></clause><after-quoted-block>.</after-quoted-block></quoted-block></paragraph></subsection><subsection id="id07abe51a0a11487295ed713c46221a9f"><enum>(hhh)</enum><header>Conversion or dismissal</header><text>Section 1208 of title 11, United States Code, is amended—</text><paragraph id="id4d313db3651542debdab2134ae53d73a"><enum>(1)</enum><text>in subsection (a) by striking <quote>7 of</quote> and inserting <quote>7 or 10 of</quote>; and</text></paragraph><paragraph id="id20122d7af7ef41e0be701b83cc984f24"><enum>(2)</enum><text>in subsection (b) by striking <quote>or 1112</quote> and inserting <quote>, 1005, 1053(c), or 1112</quote>.</text></paragraph></subsection><subsection id="idfca9eb491cd6421199d5c5af072f4ad3" commented="no" display-inline="no-display-inline"><enum>(iii)</enum><header>Discharge</header><text>Section 1228 of title 11, United States Code, is amended by striking subsection (f).</text></subsection></section><section id="id5F4CA6DE6A4647D09FBCE6EC5FE8DE4B"><enum>105.</enum><header>Data collection</header><text display-inline="no-display-inline">Section 159 of title 28, United States Code, is amended by striking subsections (a), (b), and (c) and inserting the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id9A8BFE66898A48699491D675BEE08F42"><subsection id="idc7111f7b835a4697b247cc82d1a75f7e"><enum>(a)</enum><paragraph commented="no" display-inline="yes-display-inline" id="id271c9c1f4cf74814be0699c00aa138b9"><enum>(1)</enum><text>When a case is filed under <external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/11/10">chapter 10</external-xref> of title 11, each debtor in the case may file with the court the following information about the debtor:</text><subparagraph id="idfb45bdcd07b54c49b8a01fba3594dec0" indent="up1"><enum>(A)</enum><text>Marital status.</text></subparagraph><subparagraph id="id7427bc141f87466087149c288492d643" indent="up1"><enum>(B)</enum><text>Age.</text></subparagraph><subparagraph id="ida9c3656d455e40f58d8ce345ef286fff" indent="up1"><enum>(C)</enum><text>Sex.</text></subparagraph><subparagraph id="ida0162d70c85041ffa5fea3b9f6f0496b" indent="up1"><enum>(D)</enum><text>Race.</text></subparagraph><subparagraph indent="up1" id="id5DBC9AFCC9C84EF0825C1153705965C5"><enum>(E)</enum><text>Ethnicity.</text></subparagraph></paragraph><paragraph id="id7ffe7762b1964766afc184bf388cd541" indent="up1"><enum>(2)</enum><text>The Attorney General, in consultation with the Consumer Bankruptcy Ombuds of the Bureau of Consumer Financial Protection and the Director of the Administrative Office of the United States Courts (referred to in this section as the <quote>Director</quote>), shall prescribe a standard form for the collection of the information described in paragraph (1).</text></paragraph><paragraph id="id86e3ed2feda242b5b874b87a7931a643" indent="up1"><enum>(3)</enum><text>Any information collected, stored, received, or published under paragraph (1) shall—</text><subparagraph id="ide2c45375319f44cbba99c4bb1dc39100"><enum>(A)</enum><text>be so collected, stored, received, or published in a manner that protects the privacy of individuals whose information is included in such data;</text></subparagraph><subparagraph id="iddc1a278f0f454b5a9b458b423e3c450d"><enum>(B)</enum><text>be de-identified or anonymized in a manner that protects the identity of all individuals whose information is included in such data; and</text></subparagraph><subparagraph id="id16a19a7743fe465c872f51ead4b0514c"><enum>(C)</enum><text>be limited in use for the purpose of identifying and addressing disparities in the bankruptcy system and be protected from all other internal use by any entity that collects, stores, or receives the information and from any other inappropriate uses.</text></subparagraph></paragraph><paragraph id="idf8ed5895a9874ff6a3b19593d6d3d1d9" indent="up1"><enum>(4)</enum><text>Any information collected under paragraph (1)—</text><subparagraph id="idAD45C86E5DEA4C5D9E25ECB954F73960"><enum>(A)</enum><text>shall not be part of the public record of the bankruptcy case; and</text></subparagraph><subparagraph id="idB51F91CDC4DE423885E24386EFB18B0B"><enum>(B)</enum><text>shall be maintained in a nonpublic record by the court to fulfill its duties under subsection (b).</text></subparagraph></paragraph></subsection><subsection id="id512592B245CD450599F715F00DEC3837"><enum>(b)</enum><text>The clerk of the district court, or the clerk of the bankruptcy court if one is certified pursuant to section 156(b), shall collect information regarding individual debtors seeking relief under <external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/11/10">chapter 10</external-xref> of title 11. The information shall be in a standardized format prescribed by the Director so that the Director can fulfill the duties in subsection (c).</text></subsection><subsection id="id707E9AD1AD1640AEBCB994949425B1A9"><enum>(c)</enum><paragraph commented="no" display-inline="yes-display-inline" id="id556A0ECED7AA4F4FBB0986B3D781CA59"><enum>(1)</enum><text>In this subsection, the term <term>qualified researcher</term> means a person who has undertaken to protect the confidentiality and privacy of the information in the database in a protocol that has been reviewed and approved by an institutional review board that is established—</text><subparagraph id="idB708C401D3414510BDAB82C15C3E622F" indent="up1"><enum>(A)</enum><text>to protect the rights and welfare of human subjects participating in scientific research; and</text></subparagraph><subparagraph id="idB906E8890BCC4AC8A955A50EA7A53CD9" indent="up1"><enum>(B)</enum><text>in accordance with the requirements established under part 46 of title 45, Code of Federal Regulations, or any successor thereto.</text></subparagraph></paragraph><paragraph id="idA6922015F53347CCA0C43B8485190FB0" indent="up1"><enum>(2)</enum><text>The Director shall—</text><subparagraph id="id92B0B3FED81A44EDA30D8FC7EE1C8515"><enum>(A)</enum><text>compile statistical tables from the information referred to in subsections (a) and (b) and make the tables available to the public;</text></subparagraph><subparagraph id="id37C21FB26EDF49FD944A33B89E60111E"><enum>(B)</enum><text>not later than July 1, 2022, and annually thereafter, prepare, and submit to Congress a report concerning the information collected under subsections (a) and (b) that contains an analysis of the information; and</text></subparagraph><subparagraph id="id8B5CA1ADFD5F492AAF800261FC75E4D4"><enum>(C)</enum><text>not later than December 31 of the year following the calendar year in which the information is collected, make available to—</text><clause id="id63DC4BCBBE97413A8F7AF509B75B3863"><enum>(i)</enum><text>qualified researchers an electronic database containing the information collected under subsections (a) and (b) or used to create the compilation required by this subsection; and</text></clause><clause id="idCD30927745C84D168327643F9AF09792"><enum>(ii)</enum><text>the public an electronic database containing the information collected under subsection (b) or used to create the compilation required by this subsection.</text></clause></subparagraph></paragraph></subsection><subsection id="id40FF8B8CED71426BA6B967CA5D727B59"><enum>(d)</enum><text>The compilation required under subsection (c) shall—</text><paragraph id="id0DF899191689405EA9D4A36AE6616949"><enum>(1)</enum><text>be presented in the aggregate and for each judicial district and division; and</text></paragraph><paragraph id="idBD46DF69C46040FEB00147F4137ABC0B"><enum>(2)</enum><text>include information concerning—</text><subparagraph id="id3C45E02E5C33400CA9CC45AF99761F3C"><enum>(A)</enum><text>the total assets and total liabilities of the debtors and in each category of assets and liabilities, as reported in the schedules prescribed pursuant to section 2075 and filed by debtors;</text></subparagraph><subparagraph id="id0B4FCD9CADF34AECACDE32000F28124F"><enum>(B)</enum><text>the current monthly income of debtors as reported on the schedules and statements that each debtor files under section 521 of title 11;</text></subparagraph><subparagraph id="id22B5C0A6018C4E349DFE7E8F16EDA580"><enum>(C)</enum><text>the total compensation the debtors promised to pay to an attorney, the amount of the compensation paid to an attorney before filing, and the total number of cases in which a wage garnishment order or electronic funds transfer order was entered to pay an attorney;</text></subparagraph><subparagraph id="id6E74022B73DD4579A036864B1495CD67"><enum>(D)</enum><text>the total number of dependents of the debtors and the total number of dependents of the debtors under the age of 18;</text></subparagraph><subparagraph id="id0F1C1996A7B44E98967F3C6D35E43246"><enum>(E)</enum><text>whether the debtors had an ownership interest in real estate that served as the debtors’ principal residence;</text></subparagraph><subparagraph id="id66F219D3CF534BF8AD74D5F11F55DF66"><enum>(F)</enum><text>whether the debtors had an ownership interest in real estate other than that served as the debtors’ principal residence;</text></subparagraph><subparagraph id="id29041F7559F54BF09E675A16479E995E"><enum>(G)</enum><text>the minimum payment obligation of the debtors as determined under section 101(54) of title 11;</text></subparagraph><subparagraph id="id7326938D613D4008B18CE2B4833DE3A1"><enum>(H)</enum><text>whether the debtors filed a repayment plan, a residence plan, or a property plan; and</text></subparagraph><subparagraph id="idA05A89353A5348D7A6B53AB01703B7A0"><enum>(I)</enum><text>the average period of time between the date of the filing of the petition and the closing of the case for cases closed during the reporting period.</text></subparagraph></paragraph></subsection><subsection commented="no" display-inline="no-display-inline" id="idE924274DB3884FE28C8BE07EAB165046"><enum>(e)</enum><text>The Director may add other information to the compilations and databases required by this section that improve the understanding of the causes of bankruptcy and the functioning of the bankruptcy system.</text></subsection><after-quoted-block>.</after-quoted-block></quoted-block></section><section id="id5b6f68ed66f3415a88ca8e2ff7d07a1f"><enum>106.</enum><header>Electronic signatures</header><subsection id="id8eae480d89604ff79cc67dc46da976e3"><enum>(a)</enum><header>Electronic signature defined</header><text>In this section, the term <term>electronic signature</term> has the meaning given the term in section 106 of the Electronic Signatures in Global and National Commerce Act (<external-xref legal-doc="usc" parsable-cite="usc/15/7006">15 U.S.C. 7006</external-xref>).</text></subsection><subsection id="id7ac4e597a18a49cf80874da1f7e624f9"><enum>(b)</enum><header>Electronic signatures allowed</header><text>A signature required for a filing in a case under title 11, United States Code, may not be denied legal effect, validity, or enforceability solely because it is an electronic signature.</text></subsection><subsection id="ided2758de15164c41bed9e1a749a7ab99"><enum>(c)</enum><header>Original electronic signatures allowed</header><text>In a case under title 11, United States Code, an original signature may be an electronic signature.</text></subsection></section><section id="idc6944941df204323bde89219f2bf4463"><enum>107.</enum><header>Judicial education</header><text display-inline="no-display-inline">The Director of the Federal Judicial Center, in consultation with the Director of the Executive Office for United States Trustees, shall develop materials and conduct training that may be useful to courts in implementing this Act and the amendments made by this Act.</text></section><section id="id585f76b6cd7346769030bfc10f625b1e"><enum>108.</enum><header>Conforming amendments to other laws</header><subsection id="id4f19b5e9922e4da697658ba18e451e8b"><enum>(a)</enum><header>Bankruptcy abuse and consumer protection act of 2005</header><paragraph id="idf466440dc9194d8faa1d253caf055f9a"><enum>(1)</enum><header>Audit procedures</header><text>Section 603 of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (<external-xref legal-doc="usc" parsable-cite="usc/28/586">28 U.S.C. 586</external-xref> note) is amended by striking subsection (a).</text></paragraph><paragraph id="id170b09d369c64befb5639abd650b4019"><enum>(2)</enum><header>Judicial education</header><text>Section 1226 of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (<external-xref legal-doc="usc" parsable-cite="usc/11/101">11 U.S.C. 101</external-xref> note) is repealed.</text></paragraph><paragraph id="id624af7e449804a77a616e74101cb617a"><enum>(3)</enum><header>Tax documents</header><text>Section 1228(b) of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (<external-xref legal-doc="usc" parsable-cite="usc/11/521">11 U.S.C. 521</external-xref> note) is repealed.</text></paragraph></subsection><subsection id="idd808cf1f2abb42fa82f648d70bcbd11d"><enum>(b)</enum><header>Consolidated farm and rural development act</header><text>Section 373(b)(2)(A)(ii) of the Consolidated Farm and Rural Development Act (<external-xref legal-doc="usc" parsable-cite="usc/7/2008h">7 U.S.C. 2008h(b)(2)(A)(ii)</external-xref>) is amended by striking <quote>11, 12, or 13</quote> and inserting <quote>10, 11, or 12</quote>.</text></subsection><subsection id="id9b939397c04842d08792e46514a704e6"><enum>(c)</enum><header>Consumer credit protection act</header><text>Section 303(b)(1)(B) of the Consumer Credit Protection Act (<external-xref legal-doc="usc" parsable-cite="usc/15/1673">15 U.S.C. 1673(b)(1)(B)</external-xref>) is amended by striking <quote>any order of any court of bankruptcy under chapter XIII of the Bankruptcy Act</quote> and inserting <quote>any order of any court of the United States having jurisdiction over cases under title 11; and</quote>.</text></subsection><subsection id="idff1ff6717d1847cd9eefc19453b80ed2"><enum>(d)</enum><header>Higher education act of 1965</header><text>Section 437(b) of the Higher Education Act of 1965 (<external-xref legal-doc="usc" parsable-cite="usc/20/1087">20 U.S.C. 1087(b)</external-xref>) is amended—</text><paragraph id="idc5626297450340f8a936508225bbc3dd"><enum>(1)</enum><text>in paragraph (1), by striking <quote>chapter 12 or 13</quote> and inserting <quote>chapter 10 or 12</quote>; and</text></paragraph><paragraph id="id92dec03f24784539a628167dde15424d"><enum>(2)</enum><text>in paragraphs (2) and (3), by striking <quote>chapter 7 or 11</quote> and inserting <quote>chapter 10, 11, or 12</quote>.</text></paragraph></subsection><subsection id="id31fbc7ece8ce47fa92f28a788f0dc355"><enum>(e)</enum><header>Housing and community development amendments of 1978</header><text>Section 201(l)(2)(C) of the Housing and Community Development Amendments of 1978 (12 U.S.C. 1715z–1a(l)(2)(C)) is amended by striking <quote>727, 1141, or 1328(b)</quote> and inserting <quote>1031, 1141, or 1192</quote>.</text></subsection><subsection id="id5afd59473fca4b4b853baecb75665a10"><enum>(f)</enum><header>Internal revenue code of 1986</header><text>The Internal Revenue Code of 1986 is amended—</text><paragraph id="id66736cdda023412c8a0aa8e120022d6a"><enum>(1)</enum><text>in section 1398—</text><subparagraph id="idc867c38b9f7f446b9df80abf3ba7ba5e"><enum>(A)</enum><text>in subsection (a), by striking <quote>chapter 7 (relating to liquidation) or chapter 11 (relating to reorganizations)</quote> and inserting <quote>chapter 10, chapter 11, or chapter 12</quote>;</text></subparagraph><subparagraph id="id30c35693b2f647e580729ecddd45c9fd"><enum>(B)</enum><text>in subsection (b)(1), by striking <quote>chapter 7 or 11</quote> and inserting <quote>7 or 10</quote>; and</text></subparagraph><subparagraph id="id17ddb712ab7e49be9c707bf202c713ad"><enum>(C)</enum><text>in subsection (e)(1)—</text><clause id="idb21c4af251bd4953af7c9fbd97a8f351" commented="no"><enum>(i)</enum><text>by striking the second sentence;</text></clause><clause id="ide76eb5cf3cb04c3585960a3904b5c66c" commented="no"><enum>(ii)</enum><text>by striking <quote>The gross income</quote> and inserting the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="idDAF829CA5B994DCE8FF0D5754189D11B"><subparagraph id="idEE90D2E23EA84D3E86B3E7CB7C6B71E7"><enum>(A)</enum><header>Gross income</header><text>Subject to subparagraph (B), the gross income</text></subparagraph><after-quoted-block>; and</after-quoted-block></quoted-block></clause><clause commented="no" id="id4C845DDCFFC14ED1B7A0408E2FF3C540"><enum>(iii)</enum><text>by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id04988A48C5874132BD9D08EA671E49B9"><subparagraph id="id4cddca99b7ba437cb88e1543452d1c4a" commented="no"><enum>(B)</enum><header>Limitation</header><text>Subparagraph (A) shall not apply to any amount received or accrued by the debtor before the commencement date.</text></subparagraph><subparagraph id="idef83c1c53dca4daa88ed934584745b75" commented="no"><enum>(C)</enum><header>Income after commencement date</header><text>In a proceeding under <external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/11/10">chapter 10</external-xref> of title 11, United States Code, and for purposes of subparagraph (A), the estate shall have no interest in any income earned by the debtor after the commencement date, including income used to satisfy the minimum payment obligation (as defined in section 101 of title 11, United States Code).</text></subparagraph><subparagraph commented="no" id="idD0A2373D941A433FBBED418C7CED9349"><enum>(D)</enum><header>Commencement date defined</header><text>In this subsection, the term <term>commencement date</term> has the meaning given the term in subsection (d)(3).</text></subparagraph><after-quoted-block>;</after-quoted-block></quoted-block></clause></subparagraph></paragraph><paragraph id="idfa26f26089a543d1970a8d036ce20924"><enum>(2)</enum><text>in section 6327—</text><subparagraph id="id4a1ebb21185540659b76ecf87f81062b"><enum>(A)</enum><text>by striking paragraph (4); and</text></subparagraph><subparagraph id="id6b8c1f8b0935408ab723555cd2deb917"><enum>(B)</enum><text>by redesignating paragraph (5) and (6) as paragraphs (4) and (5), respectively; and</text></subparagraph></paragraph><paragraph id="id8d78ed29cf9f4796a90050f6b4327935"><enum>(3)</enum><text>in section 7437—</text><subparagraph id="ida0c3eaa04c684ee9883fea80b7fd554c"><enum>(A)</enum><text>by striking paragraph (4); and</text></subparagraph><subparagraph id="id8e085d04ff804aeaa576bb200da03b25"><enum>(B)</enum><text>by redesignating paragraphs (5), (6), (7), (8), and (9) as paragraphs (4), (5), (6), (7), and (8), respectively.</text></subparagraph></paragraph></subsection><subsection id="id90d1c4b10a294b2b912896709714cce3"><enum>(g)</enum><header>Title 28</header><text>Title 28, United States Code, is amended—</text><paragraph id="id0ed016b6069f438b8d812a804cf2083a"><enum>(1)</enum><text>in section 157(b)(2)—</text><subparagraph id="idc0ccc7b9c5ad4b9fac4d0c38253a8a7b"><enum>(A)</enum><text>in subparagraph (B), by striking <quote>chapter 11, 12, or 13</quote> and inserting <quote>chapter 10, 11, or 12</quote>;</text></subparagraph><subparagraph id="id5c9d5ad677934abdbf9dca286948ef18"><enum>(B)</enum><text>in subparagraph (O), by striking <quote>and</quote>;</text></subparagraph><subparagraph id="ide0987767cacd44bbbbb641b0f8be1476"><enum>(C)</enum><text>in subparagraph (P), by striking the period at the end and inserting <quote>; and</quote>; and</text></subparagraph><subparagraph id="id3031a5baf3854c2985b651dce33fa338"><enum>(D)</enum><text>by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id36a5bc3b89c54ef89157fbd538f4c7ac"><subparagraph id="id68a04745b45441ca9aa6eec37b620cf4"><enum>(Q)</enum><text>proceedings to enforce rights under sections 524 or 525 of title 11.</text></subparagraph><after-quoted-block>;</after-quoted-block></quoted-block></subparagraph></paragraph><paragraph id="idbbf5519578074ae7b7b5511b41a7472d"><enum>(2)</enum><text>in section 589b—</text><subparagraph id="id06c0ce3d1dd94f13943824331f64e79b"><enum>(A)</enum><text>in subsection (a)(1), by striking <quote>chapters 7, 12, and 13</quote> and inserting <quote>chapters 7, 10, and 12</quote>; and</text></subparagraph><subparagraph id="id8763e12aecbe4fa98ec957276b30a248"><enum>(B)</enum><text>in subsection (d)—</text><clause id="id7dda1690553b4f0d83782683f16901ce"><enum>(i)</enum><text>in the matter preceding paragraph (1), by striking <quote>chapters 7, 12, and 13</quote> and inserting <quote>chapters 7, 10, and 12</quote>;</text></clause><clause id="id9ff46c2f7a5c40c5abaeab45197944bd"><enum>(ii)</enum><text>in paragraph (5), by striking <quote>, including for use under section 707(b), actual costs of administering cases under chapter 13 or chapter 11</quote>; and</text></clause><clause id="id2f61792651d8402ea932dc8c4b61ec40"><enum>(iii)</enum><text>in the matter following paragraph (8), by striking <quote>chapters 12 and 13</quote> and inserting <quote>chapters 10 and 12</quote>; and</text></clause></subparagraph></paragraph><paragraph id="id04b51a04495c463994fa8cf963ed5acf"><enum>(3)</enum><text>in section 3014(a)(1), by striking <quote>section 522(d)</quote> and inserting <quote>section 522(b)</quote>.</text></paragraph></subsection><subsection id="idb9efefe3f9ca4dcc8fab15e96eb159fc"><enum>(h)</enum><header>Title 38</header><text>Section 3732(a)(2)(B) of title 38, United States Code, is amended by striking <quote>1322(b)</quote> and inserting <quote>1022(b)</quote>.</text></subsection></section><enum>II</enum><header>Consumer financial protection amendments</header><section id="idf3b7e6618dd04c5c8104844908005de4"><enum>201.</enum><header>Amendments to the Consumer Financial Protection Act of 2010</header><subsection id="id32516696969e4cd89ac4999ebd24ec60"><enum>(a)</enum><header>Consumer bankruptcy ombuds</header><text>The Consumer Financial Protection Act of 2010 (<external-xref legal-doc="usc" parsable-cite="usc/12/5481">12 U.S.C. 5481 et seq.</external-xref>) is amended by inserting after section 1035 (<external-xref legal-doc="usc" parsable-cite="usc/12/5535">12 U.S.C. 5535</external-xref>) the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="idf51a8ed4bf8f42ab89e4646a1d976859"><section id="idcd454eb8fd7349e99be4fb4531eb99ce"><enum>1035A.</enum><header>Consumer bankruptcy ombuds</header><subsection id="idce766675010a400a9af23345e33959aa"><enum>(a)</enum><header>Establishment</header><text>The Director, in consultation with the Attorney General, shall designate a Consumer Bankruptcy Ombuds (in this section referred to as the <quote>Ombuds</quote>) within the Bureau, to provide timely assistance to individual debtors in bankruptcy.</text></subsection><subsection id="idb8719421c6674080a53bb5443915b997"><enum>(b)</enum><header>Public information</header><text>The Director and the Attorney General and the bankruptcy clerks appointed under section 156(b) of title 11, United States Code, shall disseminate information about the availability and functions of the Ombuds to individual debtors in bankruptcy and consumer bankruptcy attorneys and consumer credit counseling agencies.</text></subsection><subsection id="id287ceec8e3f3492fa22af90d0aa5812d"><enum>(c)</enum><header>Functions of ombuds</header><text>The Ombuds designated under this subsection shall—</text><paragraph id="id022ee1b122c3437983537cd9b48b2f0f"><enum>(1)</enum><text>in accordance with regulations of the Director, receive, review, and attempt to resolve informally complaints from individual debtors in bankruptcy, including, as appropriate, attempts to resolve such complaints in collaboration with creditors, the United States Trustee Program of the Department of Justice, trustees in bankruptcy, the bankruptcy clerks appointed under section 156(b) of title 11, United States Code, and consumer privacy ombudsmen and future claims representatives appointed in bankruptcy;</text></paragraph><paragraph id="idb9bba8c180774b24a3d0c9a7b681e02e"><enum>(2)</enum><text>not later than 90 days after the date of enactment of this section, establish a memorandum of understanding with the Executive Office of the United States Trustee Program, to ensure coordination in providing assistance to and serving individual debtors in bankruptcy seeking to resolve complaints related to their bankruptcy cases;</text></paragraph><paragraph id="idfecf4a7933de41bfb1d5367ae4f10267"><enum>(3)</enum><text>compile and analyze data on consumer bankruptcy filings, including on the causes of individual bankruptcy filings, the relationship between consumer bankruptcy filings and consumer financial products and services, and any disparities in the bankruptcy system, including any disparities based on the demographic categories described in section 159(a)(1) of title 28, United States Code;</text></paragraph><paragraph id="id68ab4b279e5b4ce7b35c5bfdc632e033"><enum>(4)</enum><text>compile and analyze data on complaints from individual debtors in bankruptcy;</text></paragraph><paragraph id="idba1a9903a4214bee8b6e5ead7ef6d7ec"><enum>(5)</enum><text>make recommendations to the Director and the Attorney General regarding the filing of amicus curiae briefs and making appearances in individual bankruptcy cases, particularly in the cases involving repeat patterns of creditor behavior;</text></paragraph><paragraph id="iddbc6ebc515a54f789970650f2edc8f6b"><enum>(6)</enum><text>consult with the Director of the Administrative Office of the United States Courts regarding the duties of that officer under section 159 of title 28, United States Code, regarding data collection and reporting; and</text></paragraph><paragraph id="id309b747cbbdb46929c520d0def860f8d"><enum>(7)</enum><text>make other appropriate recommendations to the Director, the Attorney General, the Committee on Banking, Housing, and Urban Affairs and the Committee on the Judiciary of the Senate and the Committee on Financial Services and the Committee on Judiciary of the House of Representatives.</text></paragraph></subsection><subsection id="idedf274c615a74e5bb1c567a993faba02"><enum>(d)</enum><header>Annual reports</header><paragraph id="id38ff281918b74c1d83aeef211b6c8e35"><enum>(1)</enum><header>In general</header><text>The Ombuds shall prepare an annual report that describes the activities, and evaluates the effectiveness of the Ombuds during the preceding year.</text></paragraph><paragraph id="id6ac4ada7d1fe43c3bdf1fc74c8deb31b"><enum>(2)</enum><header>Submission</header><text>The report required by paragraph (1) shall be submitted on the same date annually to the Attorney General, the Committee on Banking, Housing, and Urban Affairs and the Committee on the Judiciary of the Senate and the Committee on Financial Services and the Committee on the Judiciary of the House of Representatives.</text></paragraph></subsection></section><after-quoted-block>.</after-quoted-block></quoted-block></subsection><subsection id="id33a149bc330641bfbd298eb498853f98"><enum>(b)</enum><header>Supervision of higher cost lenders</header><text>Section 1024(a)(1)(E) of the Consumer Financial Protection Act of 2010 (<external-xref legal-doc="usc" parsable-cite="usc/12/5514">12 U.S.C. 5514(a)(1)(E)</external-xref>) is amended by striking <quote>a payday loan</quote> and inserting <quote>a loan with an annual percentage rate of greater than 36 percent, as determined under section 987(i)(4) of title 10, United States Code</quote>.</text></subsection><subsection id="idc28b64876596426b824ddcc89e570926"><enum>(c)</enum><header>Violations of discharge injunction</header><text>Section 1036(a) of the Consumer Financial Protection Act of 2010 (<external-xref legal-doc="usc" parsable-cite="usc/12/5536">12 U.S.C. 5536(a)</external-xref>), is amended—</text><paragraph id="ida36b712a5feb42ed84a0d98fd5cb21e4"><enum>(1)</enum><text>in paragraph (2)(C), by striking <quote>or</quote> at the end;</text></paragraph><paragraph id="ida62f4e745b3d4e14a7e05905956779b8"><enum>(2)</enum><text>in paragraph (3), by striking the period at the end and inserting <quote>; or</quote>; and</text></paragraph><paragraph id="id4428fbcae88f4ebca185647754a64f9d"><enum>(3)</enum><text>by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="idb6ad1daa36c44c3da11a4933e26a078a"><paragraph id="idd34807fec86542b1bfb18468667842a8"><enum>(4)</enum><text>to violate section 524(a) of title 11, United States Code, in a case involving an individual debtor.</text></paragraph><after-quoted-block>.</after-quoted-block></quoted-block></paragraph></subsection><subsection id="idb69b46de4fce4b4b9222905c16a5d6f9"><enum>(d)</enum><header>Authority To exercise supervision and enforcement authority regarding bankruptcy law</header><paragraph id="id3a68dea40d3a49bf970cdcc18e799cab"><enum>(1)</enum><header>Definitions</header><text>Section 1002(12) of the Consumer Financial Protection Act of 2010 (<external-xref legal-doc="usc" parsable-cite="usc/12/5481">12 U.S.C. 5481(12)</external-xref>) is amended—</text><subparagraph id="id33ad93f1671644cf8202609272791bf7"><enum>(A)</enum><text>in subparagraph (Q), by striking <quote>and</quote> and the end;</text></subparagraph><subparagraph id="idf4d6fcaa698e46d097f12a94de5740e9"><enum>(B)</enum><text>in subparagraph (R), by striking the period at the end and inserting a semicolon; and</text></subparagraph><subparagraph id="idead3f174068149dcbc2d78542c2fe53b"><enum>(C)</enum><text>by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="ide9d2874f3d5f4065812a014711e8772e"><subparagraph id="id9f51ef90e9cf47889a6b34469f835f30"><enum>(S)</enum><text>title 11, United States Code, with respect to individual debtors.</text></subparagraph><after-quoted-block>.</after-quoted-block></quoted-block></subparagraph></paragraph><paragraph id="ida96c24f922f34038af4603f00052c18d"><enum>(2)</enum><header>Exception from rulemaking</header><text>Section 1022 of the Consumer Financial Protection Act of 2010 (<external-xref legal-doc="usc" parsable-cite="usc/12/5512">12 U.S.C. 5512</external-xref>) is amended by inserting <quote>, except title 11, United States Code,</quote> after <quote>Federal consumer financial laws</quote> each place the term appears.</text></paragraph></subsection><subsection id="idf68d97f24be64ac78484181f53e9d2ba"><enum>(e)</enum><header>Average prime offer rate for motor vehicle financings</header><paragraph id="id359a92b303a142abaa31e70922ac643e"><enum>(1)</enum><header>In general</header><text>Not later than 1 year after the date of enactment of this Act, and not less frequently than monthly thereafter, the Bureau of Consumer Financial Protection shall publish on the website of the Bureau the following information with respect to motor vehicle financing:</text><subparagraph id="id731b93aa03e84503b72538551e85d72a"><enum>(A)</enum><text>The current (as of the date of publication) average prime offer rate for that type of financing, including the provision of that financing through retail installment sales contracts.</text></subparagraph><subparagraph id="ide9ab539ccb694d5d81c9c4e31c0f5cc6"><enum>(B)</enum><text>The most common duration of that type of financing.</text></subparagraph><subparagraph id="id71c5df721dfd4f678cc4a53639661547"><enum>(C)</enum><text>Rate structures for financings for the purchase of new and used light motor vehicles that are used primarily for personal, family, or household use.</text></subparagraph></paragraph><paragraph id="id8786256f9edb45a6a079077aac2fee03"><enum>(2)</enum><header>Data collection</header><text>In carrying out paragraph (1), the Bureau of Consumer Financial Protection may engage in the collection of information without regard to <external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/44/35">chapter 35</external-xref> of title 44, United States Code.</text></paragraph></subsection></section><section commented="no" id="ida9b94685860641caab197654ff95c1fc"><enum>202.</enum><header>Amendments to the Truth in Lending Act</header><text display-inline="no-display-inline">Section 130 of the Truth in Lending Act (<external-xref legal-doc="usc" parsable-cite="usc/15/1640">15 U.S.C. 1640</external-xref>) is amended—</text><paragraph commented="no" id="idb1485c75beac433da967fb295a507f3f"><enum>(1)</enum><text>in subsection (a)(2)—</text><subparagraph commented="no" id="id3A8BEA3AB1E3493E81D946E20A117710"><enum>(A)</enum><text>in subparagraph (A)—</text><clause commented="no" id="id8b399cd58cda42b39b42329962cd4500"><enum>(i)</enum><text>by striking <quote>$200</quote> and inserting <quote>$1,600</quote>;</text></clause><clause commented="no" id="id49cdde0b88ae4684a1e95b0fa1cb1a13"><enum>(ii)</enum><text>by striking <quote>$2,000</quote> and inserting <quote>$16,000</quote>;</text></clause><clause commented="no" id="id2b98da38485b4ceca1d45591b9f8ddb1"><enum>(iii)</enum><text>by striking <quote>$500</quote> and inserting <quote>$4,000</quote>;</text></clause><clause commented="no" id="idbfefbe32f1ba4699b17a2482e11dba0d"><enum>(iv)</enum><text>by striking <quote>$5,000</quote> and inserting <quote>$40,000</quote>;</text></clause><clause commented="no" id="id731ad6daff2243d29b64a186ada94188"><enum>(v)</enum><text>by striking <quote>$400</quote> and inserting <quote>$3,200</quote>; and</text></clause><clause commented="no" id="id9b4ad3295f1546f3973ed561c4b9b949"><enum>(vi)</enum><text>by striking <quote>$4,000</quote> and inserting <quote>$32,000</quote>; and</text></clause></subparagraph><subparagraph commented="no" id="idB9CDBA3F28FE4974863155488AC962C0"><enum>(B)</enum><text>in subparagraph (B), by striking <quote>lesser of $1,000,000 or 1</quote> and inserting <quote>greater of $8,000,000 or 5</quote>; and</text></subparagraph></paragraph><paragraph commented="no" id="id6695533f105743cda3e1843770072bd8"><enum>(2)</enum><text>by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id586ecbdd5d9f4f088c9cc4f0390008bb"><subsection commented="no" id="id816c94c2354f4786be81dc6326e26018"><enum>(m)</enum><header>Adjustments</header><text>On April 1, 2022, and each April 1 thereafter, each dollar amount in effect under subsections (a) and (b) on the day before such April 1 shall be adjusted—</text><paragraph commented="no" id="id0c87a910af0f4254b8f9ac3d561d78de"><enum>(1)</enum><text>to reflect the change in the Consumer Price Index for All Urban Consumers, published by the Department of Labor, for the most recent period ending immediately before January 1 preceding such April 1; and</text></paragraph><paragraph commented="no" id="ide6e38f291a6a44d78386da1273310264"><enum>(2)</enum><text>to round to the nearest $25 the dollar amount that represents the change described in paragraph (1).</text></paragraph></subsection><after-quoted-block>.</after-quoted-block></quoted-block></paragraph></section><section commented="no" id="idba2b7dde11ab47f9a8e12177b00d46b1"><enum>203.</enum><header>Amendments to the Fair Credit Reporting Act</header><text display-inline="no-display-inline">The Fair Credit Reporting Act (<external-xref legal-doc="usc" parsable-cite="usc/15/1681">15 U.S.C. 1681 et seq.</external-xref>) is amended—</text><paragraph commented="no" id="id4F2698F148F64CA59D17CD8013C24ED2"><enum>(1)</enum><text>in section 605(a) (<external-xref legal-doc="usc" parsable-cite="usc/15/1681c">15 U.S.C. 1681c(a)</external-xref>), by striking paragraph (1) and inserting the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="idbee8c450550a46e5a6658635ad902149"><paragraph commented="no" id="id16be1217ec98411ba504e6c5f3c05251"><enum>(1)</enum><text>Cases under title 11, United States Code, that, from the date of entry of the order for relief, antedate the report by more than 7 years.</text></paragraph><after-quoted-block>; and</after-quoted-block></quoted-block></paragraph><paragraph commented="no" id="id525abd6619c54488af9509b303ff457f"><enum>(2)</enum><text>in section 616 (<external-xref legal-doc="usc" parsable-cite="usc/15/1681n">15 U.S.C. 1681n</external-xref>)—</text><subparagraph commented="no" id="idf4f3e808f52d433184d21f56f12165e0"><enum>(A)</enum><text>in subsection (a)(1)—</text><clause commented="no" id="id0F883595488741208381FA56E9F97FC5"><enum>(i)</enum><text>in subparagraph (A)—</text><subclause commented="no" id="idbc40a1b3879c479d96a719ff0223a8bb"><enum>(I)</enum><text>by striking <quote>$100</quote> and inserting <quote>$700</quote>; and</text></subclause><subclause commented="no" id="idcf48674e0b134ba69e3d46ccc3298e26"><enum>(II)</enum><text>by striking <quote>$1,000</quote> and inserting <quote>$7,000</quote>; and</text></subclause></clause><clause commented="no" id="idcbab15fd39724e6aab23f0d9b3357263"><enum>(ii)</enum><text>in subparagraph (B), by striking <quote>$1,000</quote> and inserting <quote>$7,000</quote>;</text></clause></subparagraph><subparagraph commented="no" id="idb7bc10b71681464995c7c312e94eedeb"><enum>(B)</enum><text>in subsection (b), by striking <quote>$1,000</quote> and inserting <quote>$7,000</quote>; and</text></subparagraph><subparagraph commented="no" id="id67c440f91de4499c86d7b0e5dd5b6023"><enum>(C)</enum><text>by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id2699793b557846ee847b6b33e949f90b"><subsection commented="no" id="id388b5bd1f86949ceb382e6e7306c6f48"><enum>(e)</enum><header>Adjustment</header><text>On April 1, 2022, and each April 1 thereafter, each dollar amount in effect under subsections (a) and (b) on the day before such April 1 shall be adjusted—</text><paragraph commented="no" id="id649f35ad36294f02ad4d52d6c993e519"><enum>(1)</enum><text>to reflect the change in the Consumer Price Index for All Urban Consumers, published by the Department of Labor, for the most recent period ending immediately before January 1 preceding such April 1; and</text></paragraph><paragraph commented="no" id="id974a2f62848f4359a48f920f2b5c719e"><enum>(2)</enum><text>to round to the nearest $25 the dollar amount that represents the change described in paragraph (1).</text></paragraph></subsection><after-quoted-block>.</after-quoted-block></quoted-block></subparagraph></paragraph></section><section id="id8eda8a2530bf45b8a254d59f2c4d3642"><enum>204.</enum><header>Amendments to the equal credit opportunity act</header><text display-inline="no-display-inline">The Equal Credit Opportunity Act (<external-xref legal-doc="usc" parsable-cite="usc/15/1691">15 U.S.C. 1691 et seq.</external-xref>) is amended—</text><paragraph id="id22d94aeac7f843deb851444b94569a9d"><enum>(1)</enum><text>in section 701(a)(1) (<external-xref legal-doc="usc" parsable-cite="usc/15/1691">15 U.S.C. 1691(a)(1)</external-xref>), by inserting <quote>sexual orientation, gender identity, familial status,</quote> after <quote>status,</quote>; and</text></paragraph><paragraph id="id061b1e7487c14ce8b2e330937f6c14e3"><enum>(2)</enum><text>in section 706 (<external-xref legal-doc="usc" parsable-cite="usc/15/1691e">15 U.S.C. 1691e</external-xref>)—</text><subparagraph id="idceeca4ac3938425a90f34e8e7aa7ebe9"><enum>(A)</enum><text>in subsection (b), by striking—</text><clause id="id2eb8a043a49344aeae3b0dc1cdda18f0"><enum>(i)</enum><text><quote>$10,000</quote> and inserting <quote>$60,000</quote>; and</text></clause><clause id="iddc3f41e0ba564a75bb9efae076df8a20"><enum>(ii)</enum><text><quote>500,000 or 1</quote> and inserting <quote>$5,000,000 or 5</quote>; and</text></clause></subparagraph><subparagraph id="id2d7e4447f8ab4f97b5ac8693e3a9d37e"><enum>(B)</enum><text>by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id3180cb184f9b4a3885e994481d46c678"><subsection id="id14abf00236694956bfdbbd41eef51cc4"><enum>(l)</enum><header>Adjustment</header><text>On April 1, 2022, and each April 1 thereafter, each dollar amount in effect under subsection (b) on the day before such April 1 shall be adjusted—</text><paragraph id="ide6c45fca93d445d3b9e2e95754a47ac3"><enum>(1)</enum><text>to reflect the change in the Consumer Price Index for All Urban Consumers, published by the Department of Labor, for the most recent period ending immediately before January 1 preceding such April 1; and</text></paragraph><paragraph id="idcfb50aef5c134912af25e84341a7eb31"><enum>(2)</enum><text>to round to the nearest $25 the dollar amount that represents the change described in paragraph (1).</text></paragraph></subsection><after-quoted-block>.</after-quoted-block></quoted-block></subparagraph></paragraph></section><section commented="no" id="id722bd0a9343845aa968039adc0cbb3bc"><enum>205.</enum><header>Amendments to the Fair Debt Collection Practices Act</header><text display-inline="no-display-inline">The Fair Debt Collection Practices Act (<external-xref legal-doc="usc" parsable-cite="usc/15/1692">15 U.S.C. 1692 et seq.</external-xref>) is amended—</text><paragraph id="id928D9CED258D4FF3B53D3ACF6B161888" commented="no"><enum>(1)</enum><text>in section 803(6) (<external-xref legal-doc="usc" parsable-cite="usc/15/1692a">15 U.S.C. 1692a(6)</external-xref>), in the third sentence, by inserting <quote>against personal property</quote> before the period at the end;</text></paragraph><paragraph commented="no" id="id483e618396b843a6abd11b4db8a409c5"><enum>(2)</enum><text>in section 808 (<external-xref legal-doc="usc" parsable-cite="usc/15/1692f">15 U.S.C. 1692f</external-xref>), by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="idcf38a6ac9ff248efbd768c73592f54ee"><paragraph commented="no" id="id6d8f9bf5988746a19cd0d8c32717410b"><enum>(9)</enum><text>Filing a lawsuit or a claim in a bankruptcy case that is based on a debt without an actual, reasonable, good-faith belief that the applicable statute of limitations for enforcement of that debt has not expired at the time of filing.</text></paragraph><paragraph commented="no" id="id54094ea7b6444704b40b56ad3a3c718b"><enum>(10)</enum><text>Any act to knowingly collect or attempt to collect a debt that has been discharged in bankruptcy except acceptance of a purely voluntary payment of the debtor without encouragement or coercion by the debt collector.</text></paragraph><after-quoted-block>; and</after-quoted-block></quoted-block></paragraph><paragraph commented="no" id="id2e5917265cce4e8bb8290b8ca00451cf"><enum>(3)</enum><text>in section 813 (<external-xref legal-doc="usc" parsable-cite="usc/15/1692k">15 U.S.C. 1692k</external-xref>)—</text><subparagraph commented="no" id="idc477f6b9547847ef8be67cac231cb7ba"><enum>(A)</enum><text>in subsection (a)(2)—</text><clause commented="no" id="id1DCA085B24B244E6A43B300D49AB0FD5"><enum>(i)</enum><text>in subparagraph (A), by striking <quote>$1,000</quote> and inserting <quote>$5,000</quote>; and</text></clause><clause commented="no" id="idaa0bd00d2b2d42d099672faad3f90d74"><enum>(ii)</enum><text>in subparagraph (B), by striking <quote>lesser of $500,000 or 1</quote> and inserting <quote>greater of $5,000,000 or 5</quote>; and</text></clause></subparagraph><subparagraph commented="no" id="ida412afbca9294b5e9c8fbc019c9016cb"><enum>(B)</enum><text>by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id2453fc22dc424952b84a99fabe64e641"><subsection commented="no" id="id5ed0dc0465a34700bc6ae7ef6e206cae"><enum>(f)</enum><text>On April 1, 2022, and each April 1 thereafter, each dollar amount in effect under paragraph (a)(2) on the day before such April 1 shall be adjusted—</text><paragraph commented="no" id="id832a8771b04e46a6abae2c09144250a7"><enum>(1)</enum><text>to reflect the change in the Consumer Price Index for All Urban Consumers, published by the Department of Labor, for the most recent period ending immediately before January 1 preceding such April 1; and</text></paragraph><paragraph commented="no" id="id05b5780d50704cae876c4a2b1c5c1cc4"><enum>(2)</enum><text>to round to the nearest $25 the dollar amount that represents the change described in paragraph (1).</text></paragraph></subsection><after-quoted-block>.</after-quoted-block></quoted-block></subparagraph></paragraph></section><section commented="no" id="id926708de88c4476da9abcb129c9906c1"><enum>206.</enum><header>Amendments to the Electronic Fund Transfers Act</header><text display-inline="no-display-inline">Section 916 of the Electronic Fund Transfers Act (<external-xref legal-doc="usc" parsable-cite="usc/15/1693m">15 U.S.C. 1693m</external-xref>) is amended—</text><paragraph commented="no" id="idbd7b402e2ceb4d7da850e9697e778b5a"><enum>(1)</enum><text>in subsection (a)(2)—</text><subparagraph commented="no" id="idF68F074F38914610A63C1E37C29D1FD6"><enum>(A)</enum><text>in subparagraph (A)—</text><clause commented="no" id="id1a6fdbf012e344d8aa8c9872b9e6a322"><enum>(i)</enum><text>by striking <quote>$100</quote> and inserting <quote>$500</quote>; and</text></clause><clause commented="no" id="id424f0b978bc54fa48d9dab56843c0ef6"><enum>(ii)</enum><text>by striking <quote>$1,000</quote> and inserting <quote>$5,000</quote>; and</text></clause></subparagraph><subparagraph commented="no" id="id3a2c31712ac547c590d7b88d01840aa9"><enum>(B)</enum><text>in subparagraph (B), by striking <quote>lesser of $500,000 or 1</quote> and inserting <quote>greater of $5,000,000 or 5</quote>; and</text></subparagraph></paragraph><paragraph commented="no" id="id99cd70427c704edd8030a46625640700"><enum>(2)</enum><text>by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="idb7ead863de2f4586a58b380d0f9056ad"><subsection id="idf67c30cad41f423389f70bab5d474255"><enum>(h)</enum><text>On April 1, 2022, and each April 1 thereafter, each dollar amount in effect under paragraph (a)(2) on the day before such April 1 shall be adjusted—</text><paragraph id="id5058d14177e34b3e82f2b3eb18efdbe4"><enum>(1)</enum><text>to reflect the change in the Consumer Price Index for All Urban Consumers, published by the Department of Labor, for the most recent period ending immediately before January 1 preceding such April 1, and</text></paragraph><paragraph commented="no" display-inline="no-display-inline" id="idb46bb19bb8ad4bba96bc0810732acec2"><enum>(2)</enum><text>to round to the nearest $25 the dollar amount that represents the change described in paragraph (1).</text></paragraph></subsection><after-quoted-block>.</after-quoted-block></quoted-block></paragraph></section><enum>III</enum><header>Bankruptcy rules</header><section id="id715f76ef4764423098d1da6b784d8972"><enum>301.</enum><header>Rules Enabling Act amendments</header><subsection id="id5ef432ac7ca849499502ba2257122a05"><enum>(a)</enum><header>In general</header><text>Notwithstanding the third undesignated paragraph of section 2075 of title 28, United States Code, the Supreme Court of the United States may prescribe by general rules, the forms of process, writs, pleadings, and motions, and the practice and procedure in cases under title 11, United States Code, as may be necessary to carry out this Act before the effective date of this Act.</text></subsection><subsection id="id8086b95df5cb4a299c2e4504e96edbc2"><enum>(b)</enum><header>Technical and conforming amendment</header><text>Section 2075 of title 28, United States Code, is amended by striking the fourth undesignated paragraph.</text></subsection><subsection id="id65764375346542dab46f9e1a2aa85c64"><enum>(c)</enum><header>Plain writing</header><text>In drafting the form required by section 1031(d) of title 11, as added by this Act, the Judicial Conference of the United States should comply with the requirements of the Plain Writing Act of 2010 (<external-xref legal-doc="usc" parsable-cite="usc/5/301">5 U.S.C. 301</external-xref> note).</text></subsection></section><section id="idfddb0f1398694b9690eacd5576b04b3c"><enum>302.</enum><header>Bankruptcy rules amendments</header><text display-inline="no-display-inline">Rule 7004 of the Federal Rules of Bankruptcy Procedure is amended by striking subdivision (h).</text></section><section id="ida4b96843f32c4295ae6b9e357554a426"><enum>303.</enum><header>Sense of Congress</header><text display-inline="no-display-inline">It is the sense of Congress that the Judicial Conference of the United States should—</text><paragraph id="id1a61663f8e4a409e9a41b1fc20665241"><enum>(1)</enum><text>promulgate a simplified version of the schedule of current income and current expenditures required under section 521(a)(1)(B)(ii) of title 11, United States Code, for debtors who, by virtue of section 521(c) of title 11, United States Code, are not subject to the documentation requirements of that section or the statement of annual income required by section 521(a)(1)(B)(v) of title 11, United States Code; and</text></paragraph><paragraph id="id90e6c34836bb44b1b42ab3e5ca5692f3"><enum>(2)</enum><text>draft rules that provide that, with respect to a case in which the debtor is an individual, the rights under section 542 of title 11, United States Code, may be enforced by motion.</text></paragraph></section><enum>IV</enum><header>Funding the bankruptcy system</header><section id="id3f306798d08b447aa4b70874ff4e0bee" commented="no"><enum>401.</enum><header>Bankruptcy fees</header><text display-inline="no-display-inline">Section 1930 of title 28, United States Code, is amended—</text><paragraph id="ide1a5f290f9ec41d5bdebba34bf4b76a9" commented="no"><enum>(1)</enum><text>in subsection (a)—</text><subparagraph commented="no" id="idCE3C8CFAD48346AE999F7E40C3AA1E7E"><enum>(A)</enum><text>in paragraph (1)(B), by striking <quote>chapter 13 of title 11, $235</quote> and inserting <quote>chapter 10 of title 11, $250</quote>; and</text></subparagraph><subparagraph id="id8674C5BDB3FD414A8CC6C7E26C2189F6" commented="no"><enum>(B)</enum><text>in the undesignated matter following paragraph (7), by striking <quote>chapter 7, or 13 of title 11</quote> and inserting <quote>chapter 7 or 10 of title 11</quote>;</text></subparagraph></paragraph><paragraph id="id6bcb5eddc71a453db8c54ce64c50393a" commented="no"><enum>(2)</enum><text>in subsection (b), by striking the period at the end and inserting <quote>, which may not include any additional fees for the filing of a petition under <external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/11/10">chapter 10</external-xref> of title 11.</quote>; and</text></paragraph><paragraph id="idF4B9A6FE09E9449BB05B4BA1405678BE" commented="no"><enum>(3)</enum><text>in subsection (f)—</text><subparagraph id="id867b06b85ee14518b56077ef7ee25c37" commented="no"><enum>(A)</enum><text>by striking paragraph (1) and inserting the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="idA6EC3181653F4E3E952958F95E285DC5"><paragraph id="id6edb63fb3b30489b9c8ba2f12ad190dc" commented="no" indent="up1"><enum>(1)</enum><subparagraph commented="no" display-inline="yes-display-inline" id="id079ec5d3e075432bb37165df8bfdc1e1"><enum>(A)</enum><text>Under the procedures prescribed by the Judicial Conference of the United States, the district court or the bankruptcy court may waive all fees payable to the clerk of the court in a case under <external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/11/10">chapter 10</external-xref> of title 11 for an individual if the court determines that such individual—</text><clause commented="no" indent="up1" id="idA992813DF40B40C7BCE8ACA94B0707E0"><enum>(i)</enum><text>has an income that is less than 150 percent of the official poverty line (as defined in section 673 of the Omnibus Budget Reconciliation Act of 1981 (<external-xref legal-doc="usc" parsable-cite="usc/42/9902">42 U.S.C. 9902</external-xref>)) applicable to a family of the size of the family of the individual; and</text></clause><clause commented="no" indent="up1" id="idAE367D35DAFE4BB1BA978A31C0FB523E"><enum>(ii)</enum><text>is unable to pay those fees in installments.</text></clause></subparagraph><subparagraph id="id976d716fe1674fe9897caca832e30838" indent="up1" commented="no"><enum>(B)</enum><text>For the purpose of subparagraph (A)(ii), the court shall conclusively presume that the individual is unable to pay those fees in installments if the court determines that the individual has an income that is less than the official poverty line (as defined in section 673 of the Omnibus Budget Reconciliation Act of 1981 (<external-xref legal-doc="usc" parsable-cite="usc/42/9902">42 U.S.C. 9902</external-xref>)) applicable to a family of the size of the family of the individual.</text></subparagraph></paragraph><after-quoted-block>; and</after-quoted-block></quoted-block></subparagraph><subparagraph id="idbee8a99d26f046729e0d5039922afe50" commented="no"><enum>(B)</enum><text>in paragraph (2), by striking <quote>subsections (b) and (c)</quote> and inserting <quote>subsections (c) and (d)</quote>.</text></subparagraph></paragraph></section><section id="id61513c94532c43b585d5ccb7448eb523"><enum>402.</enum><header>Trustee compensation</header><subsection id="id89019221fa2440629cf8318d911a8668"><enum>(a)</enum><header>Amendments</header><text>Section 586 of title 28, United States Code, is amended—</text><paragraph id="idf86c776665fe4c56b92d7ea3da58a59d"><enum>(1)</enum><text>in subsection (a)—</text><subparagraph id="idec6705d5bbb2428bbb93ecc4c5221eab"><enum>(A)</enum><text>in paragraph (3)—</text><clause id="idf9d45036e5234eaf94db21ff2555f03b"><enum>(i)</enum><text>in the matter preceding subparagraph (A), by striking <quote>chapter 7, 11 (including subchapter V of chapter 11), 12, 13, or 15</quote> and inserting <quote>chapter 7, 10, 11 (including subchapter V of chapter 11), 12, or 15</quote>; and</text></clause><clause id="id8a99f0b31da049f0ba1ef0294abab66c"><enum>(ii)</enum><text>in subparagraph (C)—</text><subclause id="idb68826e3b5854c4596ad116b3f66652b"><enum>(I)</enum><text>by striking <quote>chapters 12 and 13 of title 11</quote> and inserting <quote>chapters 10 and 12 of title 11</quote>; and</text></subclause><subclause id="id6a4b534e940c4d1f9e8d8d240b5be09c"><enum>(II)</enum><text>by striking <quote>sections 1224, 1229, 1324, and 1329</quote> and inserting <quote>sections 1024, 1029, 1224, and 1229</quote>;</text></subclause></clause></subparagraph><subparagraph id="id07a6bfac3a964591b85f56a09836a847"><enum>(B)</enum><text>by striking paragraph (6); and</text></subparagraph><subparagraph id="id6c7737fa91aa44b8b01633fbeba5bf08"><enum>(C)</enum><text>by redesignating paragraphs (7) and (8) as paragraphs (6) and (7), respectively;</text></subparagraph></paragraph><paragraph id="id003627030b0f4335aa4dd16ad3a863e6"><enum>(2)</enum><text>by amending subsection (b) to read as follows:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id66a641426d8745a78f41aaa271226ec4"><subsection id="id5e44e7580a134572b45315699cb4dd86"><enum>(b)</enum><text>If the number of cases under chapter 10 or 12 of title 11 or subchapter V of <external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/11/11">chapter 11</external-xref> of title 11 commenced in a particular region so warrants, the United States trustee for such region may, subject to the approval of the Attorney General, appoint 1 or more individuals to serve as standing trustee, or designate 1 or more assistant United States trustees to serve in cases under such chapter. The United States trustee may also establish, maintain, and supervise a panel of private trustees that are eligible and available to serve as trustees in cases under <external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/11/10">chapter 10</external-xref> of title 11. The United States trustee for such region shall supervise the performance of the duties of any such individual appointed under this subsection.</text></subsection><after-quoted-block>;</after-quoted-block></quoted-block></paragraph><paragraph id="iddc4fd3714f8648fc8b7fc619e79681c5"><enum>(3)</enum><text>in subsection (d)(1), by striking <quote>under subchapter V of chapter 11 or chapter 12 or 13 of title 11</quote> each place it appears and inserting <quote>chapter 10 or 12 of title 11 or subchapter V of <external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/11/11">chapter 11</external-xref> of title 11</quote>;</text></paragraph><paragraph id="id8076af070cf446c8bcd5e50c4b0d96a7"><enum>(4)</enum><text>in subsection (e)—</text><subparagraph id="id778a07da0d1e4dd9968ab78f14bdc9d0"><enum>(A)</enum><text>in paragraph (1), in the matter preceding subparagraph (A), by striking <quote>under subchapter V of chapter 11 or chapter 12 or 13 of title 11</quote> and inserting <quote>chapter 12 of title 11 or subchapter V of chapter 11</quote>;</text></subparagraph><subparagraph id="idee85de34ea124c7484b26ec1412dafac"><enum>(B)</enum><text>in paragraph (2)—</text><clause id="id90e5fe5d82cf4f21b7bfb8b62b64ec34"><enum>(i)</enum><text>in the matter preceding subparagraph (A), by striking <quote>under subchapter V of chapter 11 or chapter 12 or 13 of title 11</quote> and inserting <quote>chapter 12 of title 11 or subchapter V of <external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/11/11">chapter 11</external-xref> of title 11</quote>;</text></clause><clause id="id28d4b333ef684bf28ea4120e852e8cbe"><enum>(ii)</enum><text>in subparagraph (A), by striking <quote>under subchapter V of chapter 11 or chapter 12 or 13 of title 11</quote> and inserting <quote>chapter 12 of title 11 or subchapter V of <external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/11/11">chapter 11</external-xref> of title 11</quote>;</text></clause><clause id="id7addbce344d340889a546dda8d343347"><enum>(iii)</enum><text>in subparagraph (B)(ii), by striking <quote>subparagraph (d)(1)(B)</quote> and inserting <quote>subparagraph (e)(1)(B)</quote>;</text></clause></subparagraph><subparagraph id="id71ac3ab68b224e0d84d73b75076d162e"><enum>(C)</enum><text>by redesignating paragraphs (3), (4), and (5) as paragraphs (5), (6), and (7), respectively; and</text></subparagraph><subparagraph id="idfe3c57d902cc49fcbca8c24b70cc33cc"><enum>(D)</enum><text>by inserting after paragraph (2) the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="id03ad521910a84568b8ef2a27291316e8"><paragraph id="ida95b975ea5b54abf909d1c6cd0e9959e"><enum>(3)</enum><text>The Attorney General, after consultation with a United States trustee that has appointed an individual under subsection (b) of this section to serve as standing trustee in cases under <external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/11/10">chapter 10</external-xref> of title 11, shall fix—</text><subparagraph id="id75bf11d0a3a84e8d8ef281ba0ae26af8"><enum>(A)</enum><text>a maximum annual compensation for such individual consisting of—</text><clause id="id1387f73b40354d8a8de6242d6b78b5ee"><enum>(i)</enum><text>an amount not to exceed the 1.25 times the highest annual rate of basic pay in effect for a position at level IV of the Executive Schedule under section 5315 of title 5; and</text></clause><clause id="id7745ba772d0347bcb95205b74c0044e8"><enum>(ii)</enum><text>the cash value of employment benefits comparable to the employment benefits provided by the United States to individuals who are employed by the United States at the same rate of basic pay to perform similar services during the same period of time; and</text></clause></subparagraph><subparagraph id="id79ca449415834bb9bafeeaf4c116080a"><enum>(B)</enum><text>a percentage fee not to exceed 10 percent.</text></subparagraph></paragraph><paragraph id="id0f901e66cc634c6da02787253559cb42"><enum>(4)</enum><text>An individual serving as standing trustee in cases under <external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/11/10">chapter 10</external-xref> of title 11 shall collect such percentage fee from all payments received by such individual (including the value of property tendered to such individual) under plans in such cases for which such individual serves as standing trustee. Such individual shall pay to the United States trustee, and the United States trustee shall deposit in the United States Trustee System Fund—</text><subparagraph id="id16cd631a38e64335baad191050975726"><enum>(A)</enum><text>any amount by which the actual compensation of such individual exceeds 5 percent upon all payments received under repayment plans in such cases for which such individual serves as standing trustee; and</text></subparagraph><subparagraph id="id21d6f37e38f14d7da13f76842013466d"><enum>(B)</enum><text>any amount by which the percentage fee for all such cases exceeds—</text><clause id="id87411ec3bbd841f1b849668ffe3c3cdf"><enum>(i)</enum><text>such individual’s actual compensation for such cases, as adjusted under subparagraph (A) of paragraph (3); plus</text></clause><clause id="id4a5c8d657e7b47cd90f4e14db751ecfc"><enum>(ii)</enum><text>the actual, necessary expenses incurred by such individual as standing trustee in such cases. Subject to the approval of the Attorney General, any or all of the interest earned from the deposit of payments under repayment plans by such individual may be utilized to pay actual, necessary expenses without regard to the percentage limitation contained in paragraph (3)(B) of this subsection.</text></clause></subparagraph></paragraph><after-quoted-block>; and</after-quoted-block></quoted-block></subparagraph></paragraph><paragraph id="id1bff1c10927744349a0c53549908a29d"><enum>(5)</enum><text>by striking subsection (f).</text></paragraph></subsection><subsection commented="no" display-inline="no-display-inline" id="id02ceec9203224fa8a492eee710e93c66"><enum>(b)</enum><header>Regulations</header><text>Not later than 1 year after the date of enactment of this Act, the Attorney General shall promulgate regulations to implement a process for substituting a trustee under section 1001 of title 11, United States Code, when necessary.</text></subsection></section><enum>V</enum><header>Miscellaneous</header><section id="id388a3e698601438088bf7be26540a813"><enum>501.</enum><header>Effective date</header><text display-inline="no-display-inline">The provisions of this Act and the amendments made by this Act shall take effect on the date that is 1 year after the date of enactment of this Act.</text></section><section id="idcdb641b185e64de080cb4881a5693172"><enum>502.</enum><header>Transition</header><text display-inline="no-display-inline">A case commenced under title 11, United States Code, before the date that is 1 year after the date of enactment of this Act, and all matters and proceedings in or relating to any such case, shall be conducted and determined as if this Act had not been enacted, and the substantive rights of parties in connection with any such bankruptcy case, matter, or proceeding shall continue to be governed by the law applicable to such case, matter, or proceeding as if the Act had not been enacted.</text></section><section id="id6abd9baccdc34812bbc4aed430cea4d3"><enum>503.</enum><header>Severability</header><text display-inline="no-display-inline">If any provision of this Act, an amendment made by this Act, or the application of such provision or amendment to any person or circumstance is held to be invalid or unconstitutional, the remainder of this Act, the amendments made by this Act, and the application of such provisions to any person or circumstance shall not be affected thereby. </text></section>