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H.R. 4511: Protecting Students From Automatic Default Act of 2014

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H.R. 4511: Protecting Students From Automatic Default Act of 2014

113th Congress · introduced 2014-04-29 · Education · Latest: Referred to the House Committee on Financial Services.

federal

Follow this bill, step by step

  1. Where it came from: introduced 2014-04-29 · official record
  2. Who proposed it: Rep. Bishop, Timothy H. [D-NY-1] · what a sponsor is
  3. What happened next: no floor votes in our records yet. Why?
  4. Where it stands now: Referred to the House Committee on Financial Services. Not final yet: this can still change. We check for updates every day.
  5. If it becomes law and spends money: follow the money to money laws, then agencies and contracts and grants.

What does this mean?

Official title

Protecting Students From Automatic Default Act of 2014

Plain summary

Protecting Students From Automatic Default Act of 2014 - Amends the Truth in Lending Act to require a private educational lender to notify a borrower immediately if, upon receiving notification of the death or bankruptcy of a cosigner jointly liable for the private education loan, the lender deems the borrower to be in default, changes the terms of the loan, or accelerates the loan's repayment terms. Requires a private educational lender to give a borrower at least 90 days after such a notification to identify a new cosigner for that loan. Retains the lender's right to renegotiate loan terms based on the creditworthiness of the new cosigner.

Congressional Research Service summary (Introduced in House), quoted unchanged (nonpartisan). Read the source.

What a vote does

A “Yea” vote

If it passes both chambers and is signed, it becomes law.

A “Nay” vote

If it is not passed, current law stays as it is.

PSI Sci description of the legislative step (not an opinion).

What does this mean? (plain words)

Official text

Protecting Students From Automatic Default Act of 2014

Source: Congressional Research Service summary (Introduced in House)

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The strongest published arguments

Arguments for (supporters)

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Arguments against (opponents)

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Alternatives

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How did my representative vote? · This bill's floor votes

Officials and money

Sponsor: Rep. Bishop, Timothy H. [D-NY-1] · 31 cosponsors

Cost estimate: No cost estimate published yet.

Cosponsors on this site

Mark Takano (D-CA), Suzanne Bonamici (D-OR), Peter Welch (D-VT), Joe Courtney (D-CT), Yvette D. Clarke (D-NY), Chellie Pingree (D-ME), Dina Titus (D-NV), James P. McGovern (D-MA), John Garamendi (D-CA), Scott H. Peters (D-CA), Rosa L. DeLauro (D-CT)

No linked floor roll calls in our collected records yet. This does not mean the bill has never had a vote. Check the official bill history.

Sources

Record fed-us-cong113-hr4511 · catalog fed-us-congress-bills-cong113 · updated 2026-11-15 by psicol fed-bills-cong113