Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE\; TABLE OF CONTENTS. (a) Short Title: This Act may be cited as the `Consumer Bankruptcy Reform Act of 1999'. (b) Table of Contents: The table of contents for this Act is as follows: Web posted © May 4, 1999, American Bankruptcy Institute.

S. 945
Introduced May 3, 1999
by Sens. Richard Dubrin (D-Ill.), Patrick Leahy (D-Vt.),
Ted Kennedy (D-Mass.), Russ Feingold (D-Wisc.) and Paul Sarbanes (D-Md.)

Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,

SECTION 1. SHORT TITLE; TABLE OF CONTENTS.
(a) Short Title: This Act may be cited as the `Consumer Bankruptcy Reform Act of 1999'.
(b) Table of Contents: The table of contents for this Act is as follows:

Sec. 1. Short title; table of contents.

TITLE I--NEEDS-BASED BANKRUPTCY

Sec. 101. Conversion.

Sec. 102. Dismissal or conversion.

TITLE II--ENHANCED PROCEDURAL PROTECTIONS FOR
CONSUMERS

Sec. 201. Allowance of claims or interests.

Sec. 202. Exceptions to discharge.

Sec. 203. Effect of discharge.

Sec. 204. Automatic stay.

Sec. 205. Discharge.

Sec. 206. Discouraging predatory lending practices.

Sec. 207. Enhanced disclosure for credit extensions secured by dwelling.

Sec. 208. Dual-use debit card.

Sec. 209. Enhanced disclosures under an open end credit plan.

Sec. 210. Violations of the automatic stay.

Sec. 211. Discouraging abusive reaffirmation practices.

Sec. 212. Sense of Congress regarding the homestead exemption.

Sec. 213. Encouraging creditworthiness.

Sec. 214. Treasury Department study regarding security interests under an open end credit plan.

TITLE III--IMPROVED PROCEDURES FOR EFFICIENT
ADMINISTRATION OF THE BANKRUPTCY SYSTEM

Sec. 301. Notice of alternatives.

Sec. 302. Fair treatment of secured creditors under chapter 13.

Sec. 303. Discouragement of bad faith repeat filings.

Sec. 304. Timely filing and confirmation of plans under chapter 13.

Sec. 305. Application of the codebtor stay only when the stay protects the debtor.

Sec. 306. Improved bankruptcy statistics.

Sec. 307. Audit procedures.

Sec. 308. Creditor representation at first meeting of creditors.

Sec. 309. Fair notice for creditors in chapter 7 and 13 cases.

Sec. 310. Stopping abusive conversions from chapter 13.

Sec. 311. Prompt relief from stay in individual cases.

Sec. 312. Dismissal for failure to timely file schedules or provide required information.

Sec. 313. Adequate time for preparation for a hearing on confirmation of the plan.

Sec. 314. Discharge under chapter 13.

Sec. 315. Nondischargeable debts.

Sec. 316. Credit extensions on the eve of bankruptcy presumed nondischargeable.

Sec. 317. Definition of household goods and antiques.

Sec. 318. Relief from stay when the debtor does not complete intended surrender of consumer debt collateral.

Sec. 319. Adequate protection of lessors and purchase money secured creditors.

Sec. 320. Limitation.

Sec. 321. Miscellaneous improvements.

Sec. 322. Bankruptcy judgeships.

Sec. 323. Definition of domestic support obligation.

Sec. 324. Priorities for claims for domestic support obligations.

Sec. 325. Requirements to obtain confirmation and discharge in cases involving domestic support obligations.

Sec. 326. Exceptions to automatic stay in domestic support obligation proceedings.

Sec. 327. Nondischargeability of certain debts for alimony, maintenance, and support.

Sec. 328. Continued liability of property.

Sec. 329. Protection of domestic support claims against preferential transfer motions.

Sec. 330. Protection of retirement savings in bankruptcy.

Sec. 331. Additional amendments to title 11, United States Code.

Sec. 332. Debt limit increase.

Sec. 333. Elimination of requirement that family farmer and spouse receive over 50 percent of income from farming
operation in year prior to bankruptcy.

Sec. 334. Prohibition of retroactive assessment of disposable income.

Sec. 335. Amendment to section 1325 of title 11, United States Code.

Sec. 336. Protection of savings earmarked for the postsecondary education of children.

TITLE IV--FINANCIAL INSTRUMENTS

Sec. 401. Bankruptcy Code amendments.

Sec. 402. Damage measure.

Sec. 403. Asset-backed securitizations.

Sec. 404. Prohibition on certain actions for failure to incur finance charges.

Sec. 405. Fees arising from certain ownership interests.

Sec. 406. Bankruptcy fees.

Sec. 407. Applicability.

TITLE V--ANCILLARY AND OTHER CROSS-BORDER CASES

Sec. 501. Amendment to add chapter 6 to title 11, United States Code.

Sec. 502. Amendments to other chapters in title 11, United States Code.

TITLE VI--MISCELLANEOUS

Sec. 601. Executory contracts and unexpired leases.

Sec. 602. Expedited appeals of bankruptcy cases to courts of appeals.

Sec. 603. Creditors and equity security holders committees.

Sec. 604. Repeal of sunset provision.

Sec. 605. Cases ancillary to foreign proceedings.

Sec. 606. Limitation.

Sec. 607. Amendment to section 546 of title 11, United States Code.

Sec. 608. Amendment to section 330(a) of title 11, United States Code.

TITLE VII--TECHNICAL CORRECTIONS

Sec. 701. Adjustment of dollar amounts.

Sec. 702. Extension of time.

Sec. 703. Who may be a debtor.

Sec. 704. Penalty for persons who negligently or fraudulently prepare bankruptcy petitions.

Sec. 705. Limitation on compensation of professional persons.

Sec. 706. Special tax provisions.

Sec. 707. Effect of conversion.

Sec. 708. Automatic stay.

Sec. 709. Allowance of administrative expenses.

Sec. 710. Priorities.

Sec. 711. Exemptions.

Sec. 712. Exceptions to discharge.

Sec. 713. Effect of discharge.

Sec. 714. Protection against discriminatory treatment.

Sec. 715. Property of the estate.

Sec. 716. Preferences.

Sec. 717. Postpetition transactions.

Sec. 718. Technical amendment.

Sec. 719. Disposition of property of the estate.

Sec. 720. General provisions.

Sec. 721. Appointment of elected trustee.

Sec. 722. Abandonment of railroad line.

Sec. 723. Contents of plan.

Sec. 724. Discharge under chapter 12.

Sec. 725. Extensions.

Sec. 726. Bankruptcy cases and proceedings.

Sec. 727. Knowing disregard of bankruptcy law or rule.

Sec. 728. Rolling stock equipment.

Sec. 729. Curbing abusive filings.

Sec. 730. Study of operation of title 11 of the United States Code with respect to small businesses.

Sec. 731. Transfers made by nonprofit charitable corporations.

Sec. 732. 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 inserting the following:

`707. Dismissal of a case or conversion to a case under chapter 13';

and

(2) in subsection (b)--

(A) by inserting `(1)' after `(b)';

(B) in paragraph (1), as redesignated by subparagraph (A) of this paragraph--

(i) in the first sentence--

(I) by striking `but not' and inserting `or';

(II) by inserting `, or, with the debtor's consent, convert such a case to a case under chapter 13,' after `consumer debts'; and

(III) by striking `substantial abuse' and inserting `abuse'; and

(ii) by striking `There shall be a presumption in favor of granting the relief requested by the debtor.'; and

(C) by adding at the end the following:
`(2) In considering under paragraph (1) whether the granting of relief would be an abuse of the provisions of this chapter, the
court shall consider whether--

`(A) under section 1325(b)(1), on the basis of the current income of the debtor, the debtor could pay an amount greater than or
equal to 30 percent of unsecured claims that are not considered to be priority claims (as determined under subchapter I of
chapter 5); or

`(B) the debtor filed a petition for the relief in bad faith.
`(3)(A) If a panel trustee appointed under section 586(a)(1) of title 28 brings a motion for dismissal or conversion under this
subsection and the court grants that motion and finds that the action of the counsel for the debtor in filing under this chapter was
not substantially justified, the court shall order the counsel for the debtor to reimburse the trustee for all reasonable costs in
prosecuting the motion, including reasonable attorneys' fees.
`(B) If the court finds that the attorney for the debtor violated Rule 9011, at a minimum, the court shall order--

`(i) the assessment of an appropriate civil penalty against the counsel for the debtor; and

`(ii) the payment of the civil penalty to the panel trustee or the United States trustee.
`(C) In the case of a petition referred to in subparagraph (B), the signature of an attorney shall constitute a certificate that the
attorney has--

`(i) performed a reasonable investigation into the circumstances that gave rise to the petition; and

`(ii) determined that the petition--

`(I) is well grounded in fact; and

`(II) is warranted by existing law or a good faith argument for the extension, modification, or reversal of existing law and does
not constitute an abuse under paragraph (1).
`(4)(A) Except as provided in subparagraph (B) and paragraph (5), the court may award a debtor all reasonable costs in
contesting a motion brought by a party in interest (other than a panel trustee or United States trustee) under this subsection
(including reasonable attorneys' fees) if--

`(i) the court does not grant the motion; and

`(ii) the court finds that--

`(I) the position of the party that brought the motion was not substantially justified; or

`(II) the party brought the motion solely for the purpose of coercing a debtor into waiving a right guaranteed to the debtor under
this title.
`(B) A party in interest that has a claim of an aggregate amount less than $1,000 shall not be subject to subparagraph (A).
`(5)(A) Only the judge, United States trustee, bankruptcy administrator, or panel trustee may bring a motion under this
subsection if the debtor and the debtor's spouse combined, as of the date of the order for relief, have current monthly total
income equal to or less than the national median household monthly income calculated on a monthly basis for a household of
equal size.
`(B) For purposes of subparagraph (A), for a household of more than 4 individuals, the median monthly income for that
household shall be--

`(1) the median monthly income of a household of 4 individuals; plus

`(2) $583 for each additional member of that household.'.
(b) Clerical Amendment: The table of sections for chapter 7 of title 11, United States Code, is amended by striking the item
relating to section 707 and inserting the following:

`707. Dismissal of a case or conversion to a case under chapter 13.'.

TITLE II--ENHANCED PROCEDURAL PROTECTIONS FOR
CONSUMERS

SEC. 201. ALLOWANCE OF CLAIMS OR INTERESTS.
Section 502 of title 11, United States Code, is amended by adding at the end the following:
`(k)(1) The court may award the debtor reasonable attorneys' fees and costs if, after an objection is filed by a debtor, the
court--

`(A)(i) disallows the claim; or

`(ii) reduces the claim by an amount greater than 20 percent of the amount of the initial claim filed by a party in interest; and

`(B) finds the position of the party filing the claim is not substantially justified.
`(2) If the court finds that the position of a claimant under this section is not substantially justified, the court may, in addition to
awarding a debtor reasonable attorneys' fees and costs under paragraph (1), award such damages as may be required by the
equities of the case.'.

SEC. 202. EXCEPTIONS TO DISCHARGE.
Section 523 of title 11, United States Code, is amended--

(1) in subsection (a)(2)(A), by striking `a false representation' and inserting `a material false representation upon which the
defrauded person justifiably relied'; and

(2) by striking subsection (d) and inserting the following:
`(d)(1) Subject to paragraph (3), if a creditor requests a determination of dischargeability of a consumer debt under this section
and that debt is discharged, the court shall award the debtor reasonable attorneys' fees and costs.
`(2) In addition to making an award to a debtor under paragraph (1), if the court finds that the position of a creditor in a
proceeding covered under this section is not substantially justified, the court may award reasonable attorneys' fees and costs
under paragraph (1) and such damages as may be required by the equities of the case.
`(3)(A) A creditor may not request a determination of dischargeability of a consumer debt under subsection (a)(2) if--

`(i) before the filing of the petition, the debtor made a good faith effort to negotiate a reasonable alternative repayment schedule
(including making an offer of a reasonable alternative repayment schedule); and

`(ii) that creditor refused to negotiate an alternative payment schedule, and that refusal was not reasonable.
`(B) For purposes of this paragraph, the debtor shall have the burden of proof of establishing that--

`(i) an offer made by that debtor under subparagraph (A)(i) was reasonable; and

`(ii) the refusal to negotiate by the creditor involved to was not reasonable.'.

SEC. 203. EFFECT OF DISCHARGE.
Section 524 of title 11, United States Code, is amended by adding at the end the following:
`(i) The willful failure of a creditor to credit payments received under a plan confirmed under this title (including a plan of
reorganization confirmed under chapter 11) in the manner required by the plan (including crediting the amounts required under
the plan) shall constitute a violation of an injunction under subsection (a)(2).
`(j) An individual who is injured by the failure of a creditor to comply with the requirements for a reaffirmation agreement under
subsections (c) and (d), or by any willful violation of the injunction under subsection (a)(2), shall be entitled to recover--

`(1) the greater of--

`(A)(i) the amount of actual damages; multiplied by

`(ii) 3; or

`(B) $5,000; and

`(2) costs and attorneys' fees.'.

SEC. 204. AUTOMATIC STAY.
Section 362(h) of title 11, United States Code, is amended to read as follows:
`(h)(1) An individual who is injured by any willful violation of a stay provided in this section shall be entitled to recover--

`(A) actual damages; and

`(B) reasonable costs, including attorneys' fees.
`(2) In addition to recovering actual damages, costs, and attorneys' fees under paragraph (1), an individual described in
paragraph (1) may recover punitive damages in appropriate circumstances.'.

SEC. 205. DISCHARGE.
Section 727 of title 11, United States Code, is amended--

(1) in subsection (c), by adding at the end the following:
`(3)(A) A creditor may not request a determination of dischargeability of a consumer debt under subsection (a) if--

`(i) before the filing of the petition, the debtor made a good faith effort to negotiate a reasonable alternative repayment schedule
(including making an offer of a reasonable alternative repayment schedule); and

`(ii) that creditor refused to negotiate an alternative payment schedule, and that refusal was not reasonable.
`(B) For purposes of this paragraph, the debtor shall have the burden of proof of establishing that--

`(i) an offer made by that debtor under subparagraph (A)(i) was reasonable; and

`(ii) the refusal to negotiate by the creditor involved to was not reasonable.'; and

(2) by adding at the end the following:
`(f)(1) The court may award the debtor reasonable attorneys' fees and costs in any case in which a creditor files a motion to
deny relief to a debtor under this section and that motion--

`(A) is denied; or

`(B) is withdrawn after the debtor has replied.
`(2) If the court finds that the position of a party filing a motion under this section is not substantially justified, the court may
assess against the creditor such damages as may be required by the equities of the case.'.

SEC. 206. DISCOURAGING PREDATORY LENDING PRACTICES.
Section 502(b) of title 11, United States Code, is amended--

(1) in paragraph (8), by striking `or' at the end;

(2) in paragraph (9), by striking the period at the end and inserting `; or'; and

(3) by adding at the end the following:

`(10) the claim is based on a secured debt if the creditor has failed to comply with the requirements of subsection (a), (b), (c),
(d), (e), (f), (g), (h), or (i) of section 129 of the Truth in Lending Act (15 U.S.C. 1639).'.

SEC. 207. ENHANCED DISCLOSURE FOR CREDIT EXTENSIONS SECURED BY DWELLING.
(a) Open-End Credit Extensions:

(1) Credit applications: Section 127A(a)(13) of the Truth in Lending Act (15 U.S.C. 1637a(a)(13)) is amended--

(A) by striking `consultation of tax advisor: A statement that the' and inserting the following: `tax deductibility: A statement
that--

`(A) the'; and

(B) by striking the period at the end and inserting the following: `; and

`(B) in any case in which the extension of credit exceeds the fair market value of the dwelling, the interest on the portion of the
credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes.'.

(2) Credit advertisements: Section 147(b) of the Truth in Lending Act (15 U.S.C. 1665b(b)) is amended--

(A) by striking `If any' and inserting the following:

`(1) In general: If any'; and

(B) by adding at the end the following:

`(2) Credit in excess of fair market value: Each advertisement described in subsection (a) that relates to an extension of
credit that may exceed the fair market value of the dwelling shall include a clear and conspicuous statement that--

`(A) the interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax
deductible for Federal income tax purposes; and

`(B) the consumer may want to consult a tax advisor for further information regarding the deductibility of interest and charges.'.
(b) Non-Open End Credit Extensions:

(1) Credit applications: Section 128 of the Truth in Lending Act (15 U.S.C. 1638) is amended--

(A) in subsection (a), by adding at the end the following:

`(15) In the case of a consumer credit transaction that is secured by the principal dwelling of the consumer, in which the
extension of credit may exceed the fair market value of the dwelling, a clear and conspicuous statement that--

`(A) the interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax
deductible for Federal income tax purposes; and

`(B) the consumer should consult a tax advisor for further information regarding the deductibility of interest and charges.'; and

(B) in subsection (b), by adding at the end the following:
`(3) In the case of a credit transaction described in paragraph (15) of subsection (a), disclosures required by that paragraph
shall be made to the consumer at the time of application for such extension of credit.'.

(2) Credit advertisements: Section 144 of the Truth in Lending Act (15 U.S.C. 1664) is amended by adding at the end the
following:
`(e) Each advertisement to which this section applies that relates to a consumer credit transaction that is secured by the principal
dwelling of a consumer in which the extension of credit may exceed the fair market value of the dwelling shall clearly and
conspicuously state that--

`(1) the interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax
deductible for Federal income tax purposes; and

`(2) the consumer may want to consult a tax advisor for further information regarding the deductibility of interest and charges.'.
(c) Effective Date: This section and the amendments made by this section shall take effect 1 year after the date of enactment of
this Act.

SEC. 208. DUAL-USE DEBIT CARD.
(a) Consumer Liability:

(1) In general: Section 909 of the Electronic Fund Transfer Act (15 U.S.C. 1693g) is amended--

(A) by redesignating subsections (b) through (e) as subsections (d) through (g), respectively;

(B) in subsection (a)--

(i) by redesignating paragraphs (1) and (2) as subparagraphs (A) and (B), respectively, and indenting appropriately;

(ii) by inserting `Cards Necessitating Unique Identifier:

`(1) In general: ' after `(a)';

(iii) by striking `other means of access can be identified as the person authorized to use it, such as by signature, photograph,'
and inserting `other means of access can be identified as the person authorized to use it by a unique identifier, such as a
photograph, retina scan,'; and

(iv) by striking `Notwithstanding the foregoing,' and inserting the following:

`(2) Notification: Notwithstanding paragraph (1),'; and

(C) by inserting after subsection (a) the following new subsections:
`(b) Cards Not Necessitating Unique Identifier: A consumer shall be liable for an unauthorized electronic fund transfer only
if--

`(1) the liability is not in excess of $50;

`(2) the unauthorized electronic fund transfer is initiated by the use of a card that has been properly issued to a consumer other
than the person making the unauthorized transfer as a means of access to the account of that consumer for the purpose of
initiating an electronic fund transfer;

`(3) the unauthorized electronic fund transfer occurs before the card issuer has been notified that an unauthorized use of the card
has occurred or may occur as the result of loss, theft, or otherwise; and

`(4) such unauthorized electronic fund transfer did not require the use of a code or other unique identifier (other than a
signature), such as a photograph, fingerprint, or retina scan.
`(c) Notice of Liability and Responsibility To Report Loss of Card, Code, or Other Means of Access: No consumer
shall be liable under this title for any unauthorized electronic fund transfer unless the consumer has received in a timely manner
the notice required under section 905(a)(1), and any subsequent notice required under section 905(b) with regard to any
change in the information which is the subject of the notice required under section 905(a)(1).'.

(2) Conforming amendment: Section 905(a)(1) of the Electronic Fund Transfer Act (15 U.S.C. 1693c(a)(1)) is amended to
read as follows:

`(1) the liability of the consumer for any unauthorized electronic fund transfer and the requirement for promptly reporting any
loss, theft, or unauthorized use of a card, code, or other means of access in order to limit the liability of the consumer for any
such unauthorized transfer;'.
(b) Validation Requirement for Dual-Use Debit Cards:

(1) In general: Section 911 of the Electronic Fund Transfer Act (15 U.S.C. 1693i) is amended--

(A) by redesignating subsection (c) as subsection (d); and

(B) by inserting after subsection (b) the following new subsection:
`(c) Validation Requirement: No person may issue a card described in subsection (a), the use of which to initiate an electronic
fund transfer does not require the use of a code or other unique identifier other than a signature (such as a fingerprint or retina
scan), unless--

`(1) the requirements of paragraphs (1) through (4) of subsection (b) are met; and

`(2) the issuer has provided to the consumer a clear and conspicuous disclosure that use of the card may not require the use of
such code or other unique identifier.'.

(2) Technical and conforming amendment: Section 911(d) of the Electronic Fund Transfer Act (15 U.S.C. 1993i(d)) (as
redesignated by subsection (a)(1) of this section) is amended by striking `For the purpose of subsection (b)' and inserting `For
purposes of subsections (b) and (c)'.

SEC. 209. ENHANCED DISCLOSURES UNDER AN OPEN END CREDIT PLAN.
(a) Amendments to the Truth in Lending Act:

(1) Enhanced disclosure of repayment terms:

(A) In general: Section 127(b) of the Truth in Lending Act (15 U.S.C. 1637(b)) is amended by adding at the end the
following:

`(11)(A) In a clear and conspicuous manner, repayment information that would apply to the outstanding balance of the
consumer under the credit plan, including--

`(i) the required minimum monthly payment on that balance, represented as both a dollar figure and a percentage of that
balance;

`(ii) the number of months (rounded to the nearest month) that it would take to pay the entire amount of that current balance if
the consumer pays only the required minimum monthly payments and if no further advances are made;

`(iii) the total cost to the consumer, including interest and principal payments, of paying that balance in full if the consumer pays
only the required minimum monthly payments and if no further advances are made; and

`(iv) the following statement: `If your current rate is a temporary introductory rate, your total costs may be higher.'.

`(B) In making the disclosures under subparagraph (A) the creditor shall apply the annual interest rate that applies to that
balance with respect to the current billing cycle for that consumer in effect on the date on which the disclosure is made.'.

(B) Publication of model forms: Not later than 180 days after the date of enactment of this Act, the Board of Governors of the
Federal Reserve System shall publish model disclosure forms in accordance with section 105 of the Truth in Lending Act for the
purpose of compliance with section 127(b)(11) of the Truth in Lending Act, as added by this paragraph.

(C) Civil liability: Section 130(a) of the Truth in Lending Act (15 U.S.C. 1640(a)) is amended, in the undesignated paragraph
following paragraph (4), by striking the second sentence and inserting the following: `In connection with the disclosures referred
to in subsections (a) and (b) of section 127, a creditor shall have a liability determined under paragraph (2) of this subsection
only for failing to comply with the requirements of section 125, 127(a), or of paragraph (4), (5), (6), (7), (8), (9), (10), or (11)
of section 127(b), or for failing to comply with disclosure requirements under State law for any term or item that the Board has
determined to be substantially the same in meaning under section 111(a)(2) as any of the terms or items referred to in section
127(a), or paragraph (4), (5), (6), (7), (8), (9), (10), or (11) of section 127(b).'.

(2) Disclosures in connection with solicitations:

(A) In general: Section 127(c)(1)(B) of the Truth in Lending Act (15 U.S.C. 1637(c)(1)(B)) is amended by adding at the end
the following:

`(iv) Credit worksheet: An easily understandable credit worksheet designed to aid consumers in determining their ability to
assume more debt, including consideration of the personal expenses of the consumer and a simple formula for the consumer to
determine whether the assumption of additional debt is advisable.

`(v) Basis of preapproval: In any case in which the application or solicitation states that the consumer has been preapproved
for an account under an open end consumer credit plan, the following statement must appear in a clear and conspicuous manner:
`Your preapproval for this credit card does not mean that we have reviewed your individual financial circumstances. You should
review your own budget before accepting this offer of credit.'.

`(vi) Availability of credit report: That the consumer is entitled to a copy of his or her credit report in accordance with the Fair
Credit Reporting Act.'.

(B) Publication of model forms: Not later than 180 days after the date of enactment of this Act, the Board of Governors of the
Federal Reserve System shall publish model disclosure forms in accordance with section 105 of the Truth in Lending Act for the
purpose of compliance with section 127(c)(1)(B) of the Truth in Lending Act, as amended by this paragraph.
(b) Effective Date: This section and the amendments made by this section shall take effect on January 1, 2001.

SEC. 210. VIOLATIONS OF THE AUTOMATIC STAY.
Section 362(a) of title 11, United States Code, is amended--

(1) in paragraph (7), by striking `and' at the end;

(2) in paragraph (8), by striking the period and inserting `; and';

(3) by adding at the end the following:

`(9) any communication threatening a