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HR 5481 114th Congress House Education Financial literacy Higher education Student aid and college costs

Ensure Responsible Borrowing Act

Introduced: June 14, 2016 See on congress.gov
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This bill died when the 114th Congress ended
It never became law before the 114th Congress (2015–2016) 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 3 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Sep 19, 2016
Referred to the Subcommittee on Higher Education and Workforce Training.
Jun 14, 2016
Referred to the House Committee on Education and the Workforce.
Jun 14, 2016
Introduced in House
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 Plain-English summary Congressional Research Service

Ensure Responsible Borrowing Act

This bill amends title IV (Student Assistance) of the Higher Education Act of 1965 to modify loan counseling requirements for an institution of higher education (IHE) that participates in federal student aid programs.

Currently, an IHE must provide one-time entrance counseling to a student who is a first-time Direct Loan (DL) program borrower. This bill allows an IHE to require any student DL program borrower to complete additional counseling on the terms, conditions, and responsibilities of a loan at or prior to its disbursement.

Additionally, it requires an IHE to ensure that student and parent DL program borrowers annually accept a loan affirmatively prior to the first disbursement of such loan.

What's happening now September 19, 2016

Referred to the Subcommittee on Higher Education and Workforce Training.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
 Cosponsors 1
All 1 Republican 1
R
Grothman, Glenn
Wisconsin · Jun 14, 2016
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 5481: Ensure Responsible Borrowing Act. 114th Congress. Open America. https://openamerica.io/bill/114-HR-5481/
MLA
"H.R. 5481: Ensure Responsible Borrowing Act." 114th Congress, 2026, Open America, https://openamerica.io/bill/114-HR-5481/.
Bluebook (legal)
H.R. 5481, 114th Cong. (2026), https://openamerica.io/bill/114-HR-5481/.
Markdown link
[H.R. 5481: Ensure Responsible Borrowing Act](https://openamerica.io/bill/114-HR-5481/)
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