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To amend the Higher Education Act of 1965 to direct the Secretary of Education to develop a plain language disclosure form for borrowers of Federal student loans, and for other purposes.

To amend the Truth in Lending Act to provide a safe harbor from certain requirements related to qualified mortgages for residential mortgage loans held on an originating depository institution’s portfolio, and for other purposes.

To limit the collection of annual premiums under the FHA program for mortgage insurance for single family housing, and for other purposes.

To amend title 11, United States Code, to include certain pension as administrative expenses in bankruptcy, and for other purposes.

To ensure the compliance of Department of Defense regulations with Federal consumer protection laws on the collection of debt.

To increase from $10,000,000,000 to $50,000,000,000 the threshold figure at which regulated depository institutions are subject to direct examination and reporting requirements of the Bureau of Consumer Financial Protection, and for other purposes.

To amend the Higher Education Act of 1965 to reduce the interest rate caps for Federal Direct student loans, to eliminate loan origination fees on all Federal Direct student loans, and to provide for refinancing of Federal Direct student loans and Federal family education loans.

To amend the Higher Education Act of 1965 to reduce the interest rate caps for Federal Direct student loans, to eliminate loan origination fees on all Federal Direct student loans, and to provide for refinancing of Federal Direct student loans and Federal family education loans.

To direct the Secretary of Veterans Affairs to require the use of certified mail and plain language in certain debt collection activities.

To amend the Fair Credit Reporting Act to improve the consumer reporting system, and for other purposes.