Sec. 1102. Disposal of patient records. 
Sec. 1103. Administrative expense claim for costs of closing a health care busi-
ness and other administrative expenses. 
Sec. 1104. Appointment of ombudsman to act as patient advocate. 
Sec. 1105. Debtor in possession; duty of trustee to transfer patients. 
Sec. 1106. Exclusion from program participation not subject to automatic stay. 
TITLE XII—TECHNICAL AMENDMENTS 
Sec. 1201. Definitions. 
Sec. 1202. Adjustment of dollar amounts. 
Sec. 1203. Extension of time. 
Sec. 1204. Technical amendments. 
Sec. 1205. Penalty for persons who negligently or fraudulently prepare bank-
ruptcy petitions. 
Sec. 1206. Limitation on compensation of professional persons. 
Sec. 1207. Effect of conversion. 
Sec. 1208. Allowance of administrative expenses. 
Sec. 1209. Exceptions to discharge. 
Sec. 1210. Effect of discharge. 
Sec. 1211. Protection against discriminatory treatment. 
Sec. 1212. Property of the estate. 
Sec. 1213. Preferences. 
Sec. 1214. Postpetition transactions. 
Sec. 1215. Disposition of property of the estate. 
Sec. 1216. General provisions. 
Sec. 1217. Abandonment of railroad line. 
Sec. 1218. Contents of plan. 
Sec. 1219. Bankruptcy cases and proceedings. 
Sec. 1220. Knowing disregard of bankruptcy law or rule. 
Sec. 1221. Transfers made by nonprofit charitable corporations. 
Sec. 1222. Protection of valid purchase money security interests. 
Sec. 1223. Bankruptcy judgeships. 
Sec. 1224. Compensating trustees. 
Sec. 1225. Amendment to section 362 of title 11, United States Code. 
Sec. 1226. Judicial education. 
Sec. 1227. Reclamation. 
Sec. 1228. Providing requested tax documents to the court. 
Sec. 1229. Encouraging creditworthiness. 
Sec. 1230. Property no longer subject to redemption. 
Sec. 1231. Trustees. 
Sec. 1232. Bankruptcy forms. 
Sec. 1233. Direct appeals of bankruptcy matters to courts of appeals. 
Sec. 1234. Involuntary cases. 
Sec. 1235. Federal election law fines and penalties as nondischargeable debt. 
TITLE XIII—CONSUMER CREDIT DISCLOSURE 
Sec. 1301. Enhanced disclosures under an open end credit plan. 
Sec. 1302. Enhanced disclosure for credit extensions secured by a dwelling. 
Sec. 1303. Disclosures related to ‘‘introductory rates’’. 
Sec. 1304. Internet-based credit card solicitations. 
Sec. 1305. Disclosures related to late payment deadlines and penalties. 
Sec. 1306. Prohibition on certain actions for failure to incur finance charges. 
Sec. 1307. Dual use debit card.
Sec. 1308. Study of bankruptcy impact of credit extended to dependent stu-
dents. 
Sec. 1309. Clarification of clear and conspicuous. 
TITLE XIV—GENERAL EFFECTIVE DATE; APPLICATION OF 
AMENDMENTS 
Sec. 1401. Effective date; application of amendments.
TITLE I—NEEDS-BASED 
BANKRUPTCY 
SEC. 101. CONVERSION. 
Section 706(c) of title 11, United States Code, is 
amended by inserting ‘‘or consents to’’ after ‘‘requests’’. 
SEC. 102. DISMISSAL OR CONVERSION. 
(a) IN GENERAL.—Section 707 of title 11, United 
States Code, is amended—
(1) by striking the section heading and insert-
ing the following: 
‘‘§ 707. Dismissal of a case or conversion to a case 
under chapter 11 or 13’’; 
and 
(2) in subsection (b)—
(A) by inserting ‘‘(1)’’ after ‘‘(b)’’; 
(B) in paragraph (1), as so redesignated 
by subparagraph (A) of this paragraph—
(i) in the first sentence—
(I) by striking ‘‘but not at the re-
quest or suggestion of’’ and inserting
‘‘trustee, bankruptcy administrator, 
or’’; 
(II) by inserting ‘‘, or, with the 
debtor’s consent, convert such a case 
to a case under chapter 11 or 13 of 
this title,’’ after ‘‘consumer debts’’; 
and 
(III) by striking ‘‘a substantial 
abuse’’ and inserting ‘‘an abuse’’; and 
(ii) by striking the next to last sen-
tence; and 
(C) by adding at the end the following: 
‘‘(2)(A)(i) In considering under paragraph (1) wheth-
er the granting of relief would be an abuse of the provi-
sions of this chapter, the court shall presume abuse exists 
if the debtor’s current monthly income reduced by the 
amounts determined under clauses (ii), (iii), and (iv), and 
multiplied by 60 is not less than the lesser of—
‘‘(I) 25 percent of the debtor’s nonpriority un-
secured claims in the case, or $6,000, whichever is 
greater; or 
‘‘(II) $10,000. 
‘‘(ii)(I) The debtor’s monthly expenses shall be the 
debtor’s applicable monthly expense amounts specified 
under the National Standards and Local Standards, and
the debtor’s actual monthly expenses for the categories 
specified as Other Necessary Expenses issued by the In-
ternal Revenue Service for the area in which the debtor 
resides, as in effect on the date of the entry of the order 
for relief, for the debtor, the dependents of the debtor, 
and the spouse of the debtor in a joint case, if the spouse 
is not otherwise a dependent. Notwithstanding any other 
provision of this clause, the monthly expenses of the debt-
or shall not include any payments for debts. In addition, 
the debtor’s monthly expenses shall include the debtor’s 
reasonably necessary expenses incurred to maintain the 
safety of the debtor and the family of the debtor from fam-
ily violence as identified under section 309 of the Family 
Violence Prevention and Services Act, or other applicable 
Federal law. The expenses included in the debtor’s month-
ly expenses described in the preceding sentence shall be 
kept confidential by the court. In addition, if it is dem-
onstrated that it is reasonable and necessary, the debtor’s 
monthly expenses may also include an additional allowance 
for food and clothing of up to 5 percent of the food and 
clothing categories as specified by the National Standards 
issued by the Internal Revenue Service. 
‘‘(II) In addition, the debtor’s monthly expenses may 
include, if applicable, the continuation of actual expenses 
paid by the debtor that are reasonable and necessary for
care and support of an elderly, chronically ill, or disabled 
household member or member of the debtor’s immediate 
family (including parents, grandparents, siblings, children, 
and grandchildren of the debtor, the dependents of the 
debtor, and the spouse of the debtor in a joint case who 
is not a dependent) and who is unable to pay for such 
reasonable and necessary expenses. 
‘‘(III) In addition, for a debtor eligible for chapter 
13, the debtor’s monthly expenses may include the actual 
administrative expenses of administering a chapter 13 
plan for the district in which the debtor resides, up to an 
amount of 10 percent of the projected plan payments, as 
determined under schedules issued by the Executive Office 
for United States Trustees.
‘‘(IV) In addition, the debtor’s monthly expenses may 
include the actual expenses for each dependent child less 
than 18 years of age, not to exceed $1,500 per year per 
child, to attend a private or public elementary or sec-
ondary school if the debtor provides documentation of such 
expenses and a detailed explanation of why such expenses 
are reasonable and necessary, and why such expenses are 
not already accounted for in the National Standards, 
Local Standards, or Other Necessary Expenses referred 
to in subclause (I)
‘‘(V) In addition, the debtor’s monthly expenses may 
include an allowance for housing and utilities, in excess 
of the allowance specified by the Local Standards for 
housing and utilities issued by the Internal Revenue Serv-
ice, based on the actual expenses for home energy costs 
if the debtor provides documentation of such actual ex-
penses and demonstrates that such actual expenses are 
reasonable and necessary.
‘‘(iii) The debtor’s average monthly payments on ac-
count of secured debts shall be calculated as the sum of—
‘‘(I) the total of all amounts scheduled as con-
tractually due to secured creditors in each month of 
the 60 months following the date of the petition; and 
‘‘(II) any additional payments to secured credi-
tors necessary for the debtor, in filing a plan under 
chapter 13 of this title, to maintain possession of the 
debtor’s primary residence, motor vehicle, or other 
property necessary for the support of the debtor and 
the debtor’s dependents, that serves as collateral for 
secured debts; 
divided by 60. 
‘‘(iv) The debtor’s expenses for payment of all pri-
ority claims (including priority child support and alimony 
claims) shall be calculated as the total amount of debts 
entitled to priority, divided by 60.
‘‘(C) As part of the schedule of current income and 
expenditures required under section 521, the debtor shall 
include a statement of the debtor’s current monthly in-
come, and the calculations that determine whether a pre-
sumption arises under subparagraph (A)(i), that shows 
how each such amount is calculated. 
‘‘(3) In considering under paragraph (1) whether the 
granting of relief would be an abuse of the provisions of 
this chapter in a case in which the presumption in sub-
paragraph (A)(i) of such paragraph does not apply or has 
been rebutted, the court shall consider—
‘‘(A) whether the debtor filed the petition in 
bad faith; or 
‘‘(B) the totality of the circumstances (includ-
ing whether the debtor seeks to reject a personal 
services contract and the financial need for such re-
jection as sought by the debtor) of the debtor’s fi-
nancial situation demonstrates abuse.
‘‘(4)(A) The court, on its own initiative or on the mo-
tion of a party in interest, in accordance with the proce-
dures described in rule 9011 of the Federal Rules of 
Bankruptcy Procedure, may order the attorney for the 
debtor to reimburse the trustee for all reasonable costs 
in prosecuting a motion filed under section 707(b), includ-
ing reasonable attorneys’ fees, if—
‘‘(i) a trustee files a motion for dismissal or 
conversion under this subsection; and 
‘‘(ii) the court—
‘‘(I) grants such motion; and 
‘‘(II) finds that the action of the attorney 
for the debtor in filing under this chapter vio-
lated rule 9011 of the Federal Rules of Bank-
ruptcy Procedure. 
‘‘(B) If the court finds that the attorney for the debt-
or violated rule 9011 of the Federal Rules of Bankruptcy 
Procedure, the court, on its own initiative or on the motion 
of a party in interest, in accordance with such procedures, 
may order—
‘‘(i) the assessment of an appropriate civil pen-
alty against the attorney for the debtor; and 
‘‘(ii) the payment of such civil penalty to the 
trustee, the United States trustee, or the bankruptcy 
administrator. 
‘‘(C) In the case of a petition, pleading, or written 
motion, the signature of an attorney shall constitute a cer-
tification that the attorney has—
‘‘(i) performed a reasonable investigation into 
the circumstances that gave rise to the petition, 
pleading, or written motion; and
‘‘(ii) determined that the petition, pleading, or 
written motion—
‘‘(I) is well grounded in fact; and 
‘‘(II) is warranted by existing law or a 
good faith argument for the extension, modi-
fication, or reversal of existing law and does not 
constitute an abuse under paragraph (1). 
‘‘(D) The signature of an attorney on the petition 
shall constitute a certification that the attorney has no 
knowledge after an inquiry that the information in the 
schedules filed with such petition is incorrect. 
‘‘(5)(A) Except as provided in subparagraph (B) and 
subject to paragraph (6), the court, on its own initiative 
or on the motion of a party in interest, in accordance with 
the procedures described in rule 9011 of the Federal Rules 
of Bankruptcy Procedure, may award a debtor all reason-
able costs (including reasonable attorneys’ fees) in con-
testing a motion filed by a party in interest (other than 
a trustee, United States trustee, or bankruptcy adminis-
trator) under this subsection if—
‘‘(i) the court does not grant the motion; and 
‘‘(ii) the court finds that—
‘‘(I) the position of the party that filed the 
motion violated rule 9011 of the Federal Rules 
of Bankruptcy Procedure; or
‘‘(II) the attorney (if any) who filed the 
motion did not comply with the requirements of 
clauses (i) and (ii) of paragraph (4)(C), and the 
motion was made solely for the purpose of co-
ercing a debtor into waiving a right guaranteed 
to the debtor under this title. 
‘‘(B) A small business that has a claim of an aggre-
gate amount less than $1,000 shall not be subject to sub-
paragraph (A)(ii)(I). 
‘‘(C) For purposes of this paragraph—
‘‘(i) the term ‘small business’ means an unin-
corporated business, partnership, corporation, asso-
ciation, or organization that—
‘‘(I) has fewer than 25 full-time employees 
as determined on the date on which the motion 
is filed; and 
‘‘(II) is engaged in commercial or business 
activity; and 
‘‘(ii) the number of employees of a wholly 
owned subsidiary of a corporation includes the em-
ployees of—
‘‘(I) a parent corporation; and 
‘‘(II) any other subsidiary corporation of 
the parent corporation.
‘‘(6) Only the judge, United States trustee, or bank-
ruptcy administrator may file a motion under section 
707(b), if the current monthly income of the debtor, or 
in a joint case, the debtor and the debtor’s spouse, as of 
the date of the order for relief, when multiplied by 12, 
is equal to or less than— 
‘‘(A) in the case of a debtor in a household of 
1 person, the median family income of the applicable 
State for 1 earner; 
‘‘(B) in the case of a debtor in a household of 
2, 3, or 4 individuals, the highest median family in-
come of the applicable State for a family of the same 
number or fewer individuals; or 
‘‘(C) in the case of a debtor in a household ex-
ceeding 4 individuals, the highest median family in-
come of the applicable State for a family of 4 or 
fewer individuals, plus $525 per month for each in-
dividual in excess of 4.
‘‘(7)(A) No judge, United States trustee, trustee, 
bankruptcy administrator, or other party in interest may 
file a motion under paragraph (2) if the current monthly 
income of the debtor and the debtor’s spouse combined, 
as of the date of the order for relief when multiplied by 
12, is equal to or less than—
‘‘(3) Amounts reasonably necessary to be ex-
pended under paragraph (2) shall be determined in 
accordance with subparagraphs (A) and (B) of sec-
tion 707(b)(2), if the debtor has current monthly in-
come, when multiplied by 12, greater than—
‘‘(A) in the case of a debtor in a household 
of 1 person, the median family income of the 
applicable State for 1 earner; 
‘‘(B) in the case of a debtor in a household 
of 2, 3, or 4 individuals, the highest median 
family income of the applicable State for a fam-
ily of the same number or fewer individuals; or 
‘‘(C) in the case of a debtor in a household 
exceeding 4 individuals, the highest median 
family income of the applicable State for a fam-
ily of 4 or fewer individuals , plus $525 per 
month for each individual in excess of 4.’’.
(i) SPECIAL
ALLOWANCE
FOR
HEALTH
INSUR-
ANCE.—Section 1329(a) of title 11, United States Code, 
is amended—
(1) in paragraph (2) by striking ‘‘or’’ at the 
end; 
(2) in paragraph (3) by striking the period at 
the end and inserting ‘‘; or’’; and 
(3) by adding at the end the following:
(C) by adding at the end the following: 
‘‘(8) if with respect to the debtor there is a 
claim for a domestic support obligation, provide the 
applicable notice specified in subsection (c).’’; and 
(2) by adding at the end the following: 
‘‘(c)(1) In a case described in subsection (a)(8) to 
which subsection (a)(8) applies, the trustee shall—
‘‘(A)(i) provide written notice to the holder of 
the claim described in subsection (a)(8) of such 
claim and of the right of such holder to use the serv-
ices of the State child support enforcement agency 
established under sections 464 and 466 of the Social 
Security Act for the State in which such holder re-
sides, for assistance in collecting child support dur-
ing and after the case under this title; and 
‘‘(ii) include in the notice required by clause (i) 
the address and telephone number of such State 
child support enforcement agency; 
‘‘(B)(i) provide written notice to such State 
child support enforcement agency of such claim; and 
‘‘(ii) include in the notice required by clasue (i) 
the name, address, and telephone number of such 
holder; and 
‘‘(C) at such time as the debtor is granted a 
discharge under section 1141, provide written notice