(A) with respect to the bankruptcy system 
and creditors— 
(i) the number of cases under title 11 
of the United States Code in which members 
of reserve components of the Armed Forces 
and members of the National Guard avail 
themselves of the benefits of such provisions, 
(ii) the aggregate amount of debt in 
such cases, 
(iii) the aggregate amount of debt of 
such members discharged in cases under 
chapter 7 of such title, 
(iv) the aggregate amount of debt of 
such members in cases under chapter 7 of 
such title as of the time such cases are con-
verted to cases under chapter 13 of such 
title, 
(v) the amount of resources expended 
by the bankruptcy courts and by the bank-
ruptcy trustees, stated separately, in cases 
under title 11 of the United States Code in 
which such members avail themselves of the 
benefits of such provisions, and 
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(vi) whether and to what extent there 
is any indicia of abuse or potential abuse of 
such provisions, and 
(B) with respect to debt-incurrence prac-
tices— 
(i) any increase in the average levels of 
debt incurred by such members before, dur-
ing, or after such service, 
(ii) any indicia of changes in debt-in-
currence practices adopted by such members 
in anticipation of benefitting from such 
provisions in any potential case under such 
title; and 
(iii) any indicia of abuse or potential 
abuse of such provisions reflected in the 
debt-incurrence of such members. 
SEC. 4. EFFECTIVE DATE; APPLICATION OF AMENDMENTS. 
(a) EFFECTIVE DATE.—Except as provided in sub-
section (b), this Act and the amendments made by this Act 
shall take effect 60 days after the date of the enactment of 
this Act. 
(b) APPLICATION OF AMENDMENTS.—The amendments 
made by this Act shall apply only with respect to cases com-
menced under title 11 of the United States Code in the 3- 
year period beginning on the effective date of this Act. 
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Amend the title so as to read: ‘‘A bill to amend title 
11 of the United States Code to exempt for a limited pe-
riod, from the application of the means-test presumption 
of abuse under chapter 7, qualifying members of reserve 
components of the Armed Forces and members of the 
National Guard who, after September 11, 2001, are 
called to active duty or to perform a homeland defense 
activity for not less than 90 days.’’. 
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Union Calendar No. 461 
110TH CONGRESS 
2D SESSION 
H. R. 4044 
[Report No. 110–726] 
A BILL 
To amend the Bankruptcy Abuse Prevention and 
Consumer Protection Act of 2005 to exempt 
from the means test in bankruptcy cases, for a 
limited 
period, 
qualifying 
reserve-component 
members who, after September 11, 2001, are 
called to active duty or to perform a homeland 
defense activity for not less than 60 days. 
JUNE 20, 2008 
Reported with amendments, committed to the Committee 
of the Whole House on the State of the Union, and or-
dered to be printed 
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