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Debt Relief Extension for National Guard and Reservists

This law extends for an additional four years the protection from a strict income test for National Guard and Reserve members who served actively after September 11, 2001. This means these service members will have easier access to consumer bankruptcy, which can help them in difficult financial situations.
Key points
Extends debt relief for National Guard and Reservists by an additional 4 years.
Facilitates access to bankruptcy procedures for eligible service members who served at least 90 days active duty after September 11, 2001.
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Status:
Became Law
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Additional Information
Print number: 118_HR_3315
Sponsor: Rep. Cohen, Steve [D-TN-9]
Process start date: 2023-05-15
System Note: Lustra is free, publicly auditable civic infrastructure, with full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source, always verify them if you can.
Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
AI work logs for this document launch

OFFICIAL LEGAL TITLE

National Guard and Reservists Debt Relief Extension Act of 2023

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 118_HR_3315.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2023-05-15.

What are the main provisions?

Key points include:

  • Extends debt relief for National Guard and Reservists by an additional 4 years.
  • Facilitates access to bankruptcy procedures for eligible service members who served at least 90 days active duty after September 11, 2001.
What is the specific legal status?

The current status is Became Law.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Cohen, Steve [D-TN-9].

What is the latest detailed status?

The latest detailed status is: Became Public Law No: 118-24.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-25.

What is the impact of this bill?

We don't know, that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge.

CATEGORIES

Benefits Courts and Law