169 
(1) in paragraph (2)(C), 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: 
‘‘(4) to violate section 524(a) of title 11, United 
States Code, in a case involving an individual debt-
or.’’. 
(d) AUTHORITY TO EXERCISE SUPERVISION
AND 
ENFORCEMENT AUTHORITY REGARDING BANKRUPTCY 
LAW.— 
(1) DEFINITIONS.—Section 1002(12) of the 
Consumer Financial Protection Act of 2010 (12 
U.S.C. 5481(12)) is amended— 
(A) in subparagraph (Q), by striking 
‘‘and’’ and the end; 
(B) in subparagraph (R), by striking the 
period at the end and inserting a semicolon; 
and 
(C) by adding at the end the following: 
‘‘(S) title 11, United States Code, with re-
spect to individual debtors.’’. 
(2) EXCEPTION
FROM
RULEMAKING.—Section 
1022 of the Consumer Financial Protection Act of 
2010 (12 U.S.C. 5512) is amended by inserting ‘‘, 
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170 
except title 11, United States Code,’’ after ‘‘Federal 
consumer financial laws’’ each place the term ap-
pears. 
(e) AVERAGE PRIME OFFER RATE FOR MOTOR VE-
HICLE FINANCINGS.— 
(1) IN GENERAL.—Not later than 1 year after 
the date of enactment of this Act, and not less fre-
quently than monthly thereafter, the Bureau of Con-
sumer Financial Protection shall publish on the 
website of the Bureau the following information with 
respect to motor vehicle financing: 
(A) The current (as of the date of publica-
tion) average prime offer rate for that type of 
financing, including the provision of that fi-
nancing through retail installment sales con-
tracts. 
(B) The most common duration of that 
type of financing. 
(C) Rate structures for financings for the 
purchase of new and used light motor vehicles 
that are used primarily for personal, family, or 
household use. 
(2) DATA COLLECTION.—In carrying out para-
graph (1), the Bureau of Consumer Financial Pro-
tection may engage in the collection of information 
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171 
without regard to chapter 35 of title 44, United 
States Code. 
SEC. 202. AMENDMENTS TO THE TRUTH IN LENDING ACT. 
Section 130 of the Truth in Lending Act (15 U.S.C. 
1640) is amended— 
(1) in subsection (a)(2)— 
(A) in subparagraph (A)— 
(i) by striking ‘‘$200’’ and inserting 
‘‘$1,600’’; 
(ii) by striking ‘‘$2,000’’ and insert-
ing ‘‘$16,000’’; 
(iii) by striking ‘‘$500’’ and inserting 
‘‘$4,000’’; 
(iv) by striking ‘‘$5,000’’ and insert-
ing ‘‘$40,000’’; 
(v) by striking ‘‘$400’’ and inserting 
‘‘$3,200’’; and 
(vi) by striking ‘‘$4,000’’ and insert-
ing ‘‘$32,000’’; and 
(B) in subparagraph (B), by striking 
‘‘$1,000,000 or 1’’ and inserting ‘‘$8,000,000 
or 5’’; and 
(2) by adding at the end the following: 
‘‘(m) ADJUSTMENTS.—On April 1, 2022, and each 
April 1 thereafter, each dollar amount in effect under sub-
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