Back to Bills
Became Law

HB3315: National Guard and Reservists Debt Relief Extension Act of 2023

: Steve Cohen (D-US) : May 25, 2026 Updated: Dec 19, 2023
Finance and financial sector
Bill ProgressBecame Law
  1. Introduced (completed)
  2. Passed One Chamber (completed)
  3. Passed Both Chambers (completed)
  4. 4Became Law (current step)

Here is how to read this bill

  1. Start with the summary

    It says what the bill does in plain language. The official text is one tab over.

  2. Check where it is

    The status badge says how far it has gotten. The History tab lists every step.

  3. Follow it

    We will email you when it moves. You need a free account.

  4. Tell someone who votes on it

    Email or call the sponsor, or find your own representatives, from the actions panel.

Bill information

Summary

To exempt for an additional 4-year period, from the application of the means-test presumption of abuse under chapter 7, qualifying members of reserve components of the Armed Forces and members of the National Guard who, after September 11, 2001, are called to active duty or to perform a homeland defense activity for not less than 90 days.

Plain-language summary

This bill extends a debt relief benefit for National Guard members and military reservists for another four years. Members called to active duty or homeland defense missions for at least 90 days after September 11, 2001, can use this protection when filing for bankruptcy. The protection exempts them from a 'means test' that normally prevents people with moderate income from erasing debts through Chapter 7 bankruptcy. The bill has passed through the legislative process.

AI-generated summary

What can I do?

This bill became law. You can still contact officials about how it's put into practice.

Contact Your Representatives

Calling or emailing is the most direct way to weigh in — offices tally constituent contacts.

Find Your Representatives

Share This Bill

Sharing helps others in your district get informed and involved.

Message style

HB3315: National Guard and Reservists Debt Relief Extension Act of 2023

Upcoming hearings & events

Loading upcoming hearings