The Proposed Consumer Bankruptcy Reform Act: A Political Analysis

By Kevin M. Ball, Eastern Michigan University

Senator Warren and Representative Nadler introduced identical legislation entitled the Consumer Bankruptcy Report Act (“CBRA”) late in the 116th Congress. Although the bills died without action at the conclusion of that term, the sponsors have indicated their intent to reintroduce them in the 117th Congress. The legislation would bring major changes to the Bankruptcy Code, ones more sweeping in their way than those enacted with BAPCPA in 2005.

In particular, the bills would eliminate consumer Chapter 7 and Chapter 13 cases and replace them with a single new Chapter 10. Under . . .

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