,i  #aac? ,,congress  #b;d ,session  ,h4
 ,r4 #dhce  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,june #aa1 #bjad ,mr4 
,cony]s 7= himself1 ,mr4 ,coh51 & ,mr4  
,johnson ( ,georgia7 introduc$ ! foll[+ 
bill2 :i* 0 ref]r$ to ! ,committee on ! 
,judici>y  ,a ,,bill  ,to am5d title #aa
 ( ! ,unit$ ,/ates ,code to /op abusive 
/ud5t loan collection practices 9       
bankruptcy cases4  #a4 ,%ort title ,?is 
,act may be cit$ z ! ,/opp+ ,abusive    
,/ud5t ,loan ,collection ,practices 9   
,bankruptcy ,act ( #bjad4  #b4 ,am5dm5t 
,section #ebc7;d7 ( title #aa ( ! ,unit$
 ,/ates ,code is am5d$ by /rik+ ( ?is   
section & ins]t+ or ! debtor reque/s a  
det]m9ation ( ! dis*>geability ( a debt 
bas$ on undue h>d%ip "u subsection      
7a77#h74  #c4 ,effective date2          
application ( am5dm5t  7a7 ,effective   
date ,except z provid$ 9 subsection 7b71
 ?is ,act & ! am5dm5t made by ?is ,act  
%all take effect on ! date ( ! enactm5t 
( ?is ,act4  7b7 ,application ( am5dm5t 
,! am5dm5t made by ?is ,act %all apply  

only ) respect to cases comm5c$ "u title
 #aa ( ! ,unit$ ,/ates ,code on or aft] 
! date ( ! enactm5t ( ?is ,act4