S. 2180 · 115th Congress
Christopher's Law
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Never voted on. It didn't reach a floor vote before the 115th Congress ended, so it expired. A bill has to be introduced again to be considered in a new Congress.
D
MenendezSponsor3 cosponsors · 3 D
3 signed on when it was introduced; the rest joined later. Cosponsors who withdrew aren't shown.
Christopher Bryski Student Loan Protection Act or Christopher's Law
What it does: CRS summary · Introduced in Senate · Nov 30, 2017
Christopher Bryski Student Loan Protection Act or Christopher's Law
This bill amends the Truth in Lending Act to require a private student loan lender to disclose clearly and conspicuously in writing a cosigner's obligations regarding a private student loan. The Consumer Financial Protection Bureau (CFPB) must publish a model form for such disclosure.
The bill prohibits a private student loan lender from taking an adverse action against a borrower (e.g., placing a loan in default or accelerating a loan balance) upon a cosigner's death, disability, or bankruptcy. It also prohibits adverse actions against a cosigner for a borrower's death, disability, or bankruptcy.
The CFPB must establish and a private student loan lender must disclose criteria for releasing a cosigner from a private student loan obligation.
A private student loan lender must also:
- provide prompt notice of a cosigner's release;
- allow a borrower to designate a legal representative to make decisions upon the death or disability of such borrower; and
- ensure a borrower and cosigner receive comprehensive counseling on the terms, conditions, and responsibilities of a private student loan.
Additionally, this bill amendsthe Higher Education Act of 1965 to expand the required elements of entrance counseling for a federal student loan borrower to include:
- conditions for loan discharge upon the death or disability of a borrower,
- options for loan repayment and forgiveness upon the death or disability of a borrower or cosigner, and
- obligations of a borrower or cosigner upon the death or disability of a borrower.
It requires clear and conspicuous disclosure of a student's option to designate a legal representative to make decisions about a federal student loan upon such student's death or disability.
Written by the nonpartisan Congressional Research Service. All summary versions on Congress.gov
About this bill and sources
Official title: Christopher's Law
Also known as: Christopher Bryski Student Loan Protection Act
Latest action (Nov 30, 2017): Read twice and referred to the Committee on Health, Education, Labor, and Pensions.
Policy area: Education · Origin: Senate · Introduced: Nov 30, 2017
Official page on Congress.gov · Bill text (GovInfo) · Status record (XML)
No recorded floor vote found.