,i  #aafth ,,congress  #b;d ,session    
,h4 ,r4 #hcff  ,,in ,,the ,,house ,,of  
,,representatives  ,september #bd1      
#bjbj,ms4 ,dean introduced the following
 bill2 which was referred to the        
,committee on the ,judiciary  ,a ,,bill 
,to amend title #aa of the ,united      
,states ,code to increase the amount of 
the allowable homestead exemption4  #a4 
,short title ,this ,act may be cited as 
the ,protecting ,homeowners in          
,bankruptcy ,act of #bjbj4  #b4         
,increasing the homestead exemption     
,section #ebb of title #aa of the       
,united ,states ,code1 is amended-- 7#a7
 in subsection 7d77#a7 by striking      
#ae1jjj and inserting #ajj1jjj2 and     
7#b7 by adding at the end the following3
  7r7 ,notwithstanding any other        
provision of applicable nonbankruptcy   
law1 a debtor in any ,state may exempt  
from property of the estate the property
 described in subsection 7d77#a7 not to 
exceed the value in subsection 7d77#a7  
if the exemption for such property      

permitted by applicable nonbankruptcy   
law is lower than that amount4  4  #c4  
,effective date2 application of         
amendments  7a7 ,effective ,date ,except
 as provided in subsection 7b71 this    
,act and the amendments made by this    
,act shall take effect on the date of   
the enactment of this ,act4  7b7        
,application of ,amendments ,the        
amendments made by this ,act shall not  
apply to cases commenced under title of 
the ,united ,states ,code before the    
effective date of this ,act4