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HR 4511 113th Congress House

Protecting Students From Automatic Default Act of 2014

Official title: To amend the Truth in Lending Act to establish requirements for the treatment of a private education loan upon the death or bankruptcy of a cosigner of the loan.

Introduced: April 29, 2014 See on congress.gov
Education BankruptcyConsumer affairsConsumer creditHigher educationStudent aid and college costs
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This bill died when the 113th Congress ended
It never became law before the 113th Congress (2013–2014) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Apr 29, 2014
Referred to the House Committee on Financial Services.
Apr 29, 2014
Introduced in House
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 Latest action April 29, 2014

Referred to the House Committee on Financial Services.

 Plain-English summary Congressional Research Service

Protecting Students From Automatic Default Act of 2014 - Amends the Truth in Lending Act to require a private educational lender to notify a borrower immediately if, upon receiving notification of the death or bankruptcy of a cosigner jointly liable for the private education loan, the lender deems the borrower to be in default, changes the terms of the loan, or accelerates the loan's repayment terms.

Requires a private educational lender to give a borrower at least 90 days after such a notification to identify a new cosigner for that loan. Retains the lender's right to renegotiate loan terms based on the creditworthiness of the new cosigner.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Cosponsors 23
All 23 Democratic 11
Shea-Porter, Carol
· Sep 18, 2014
 D
DeLauro, Rosa L.
Connecticut · Jul 23, 2014
 D
Peters, Scott H.
California · May 21, 2014
Yarmuth, John
· May 21, 2014
CAPUANO, MICHAEL
· May 19, 2014
 D
Garamendi, John
California · May 19, 2014
TIERNEY, JOHN
· May 19, 2014
DAVIS, SUSAN
· May 6, 2014
 D
McGovern, James P.
Massachusetts · May 6, 2014
SLAUGHTER, LOUISE
· May 6, 2014
 D
Clarke, Yvette D.
New York · Apr 30, 2014
 D
Courtney, Joe
Connecticut · Apr 30, 2014
 D
Pingree, Chellie
Maine · Apr 30, 2014
 D
Titus, Dina
Nevada · Apr 30, 2014
 D
Bonamici, Suzanne
Oregon · Apr 29, 2014
CUMMINGS, ELIJAH
· Apr 29, 2014
FATTAH, CHAKA
· Apr 29, 2014
HINOJOSA, RUBEN
· Apr 29, 2014
Loebsack, David
· Apr 29, 2014
MCCARTHY, CAROLYN
· Apr 29, 2014
MORAN, JAMES
· Apr 29, 2014
 D
Takano, Mark
California · Apr 29, 2014
 D
Welch, Peter
Vermont · Apr 29, 2014
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 4511: Protecting Students From Automatic Default Act of 2014. 113th Congress. Open America. https://openamerica.io/bill/113-HR-4511/
MLA
"H.R. 4511: Protecting Students From Automatic Default Act of 2014." 113th Congress, 2026, Open America, https://openamerica.io/bill/113-HR-4511/.
Bluebook (legal)
H.R. 4511, 113th Cong. (2026), https://openamerica.io/bill/113-HR-4511/.
Markdown link
[H.R. 4511: Protecting Students From Automatic Default Act of 2014](https://openamerica.io/bill/113-HR-4511/)
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