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H.R. 5481: Ensure Responsible Borrowing Act

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H.R. 5481: Ensure Responsible Borrowing Act

114th Congress · introduced 2016-06-14 · Education · Latest: Referred to the Subcommittee on Higher Education and Workforce Training.

federal

Follow this bill, step by step

  1. Where it came from: introduced 2016-06-14 · official record
  2. Who proposed it: Rep. Salmon, Matt [R-AZ-5] · what a sponsor is
  3. What happened next: no floor votes in our records yet. Why?
  4. Where it stands now: Referred to the Subcommittee on Higher Education and Workforce Training. 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

Ensure Responsible Borrowing Act

Plain summary

Ensure Responsible Borrowing Act This bill amends title IV (Student Assistance) of the Higher Education Act of 1965 to modify loan counseling requirements for an institution of higher education (IHE) that participates in federal student aid programs. Currently, an IHE must provide one-time entrance counseling to a student who is a first-time Direct Loan (DL) program borrower. This bill allows an IHE to require any student DL program borrower to complete additional counseling on the terms, conditions, and responsibilities of a loan at or prior to its disbursement. Additionally, it requires an IHE to ensure that student and parent DL program borrowers annually accept a loan affirmatively prior to the first disbursement of such loan.

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

Ensure Responsible Borrowing Act

Source: Congressional Research Service summary (Introduced in House)

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The strongest published arguments

Arguments for (supporters)

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Alternatives

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

Officials and money

Sponsor: Rep. Salmon, Matt [R-AZ-5] · 1 cosponsors

Cost estimate: No cost estimate published yet.

Cosponsors on this site

Glenn Grothman (R-WI)

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.

Words on this page, explained (1)
Bill
A proposed law. It becomes law only if it passes the legislature and is signed by the president or governor (or a veto is overridden).

Plain meanings written from linked sources. All words.

Sources

Record fed-us-cong114-hr5481 · catalog fed-us-congress-bills-cong114 · updated 2026-11-15 by psicol fed-bills-cong114