S. 3328Senate118th Congress (2023-2025)In Committee

National Guard and Reservists Debt Relief Extension Act of 2023

Introduced November 15, 2023

AI-Generated Summary

Updated January 20, 2026 at 1:08 PM UTC

The National Guard and Reservists Debt Relief Extension Act of 2023 lengthens the period during which eligible National Guard and reserve component members are exempt from the means‑test presumption of abuse in Chapter 7 bankruptcy. It applies to those who were called to active duty or a homeland‑defense mission for at least 90 days after September 11, 2001, extending the exemption from 15 years to 19 years.

Key Provisions

  • Amends the 2008 National Guard and Reservists Debt Relief Act by changing the exemption period from 15 years to 19 years.
  • Applies the extended exemption to qualifying Guard and reserve members who served 90 days or more on active duty or homeland‑defense duty after September 11, 2001.

Legislative Activity

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1 earlier action
SenateIntro Referral Latest Action

Read twice and referred to the Committee on the Judiciary. (text: CR S5549-5550)

November 15, 2023

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SenateIntro Referral

Introduced in Senate

November 15, 2023

SenateIntro Referral

Read twice and referred to the Committee on the Judiciary. (text: CR S5549-5550)

November 15, 2023

Floor Debate

3 members

What members said about S. 3328 on the floor

2 Republicans1 Democrat
Susan M. Collins
Sen. Susan M. CollinsR-ME · Nov 15, 2023

Madam President, I rise to introduce the Supporting Seniors with Opioid Use Disorder Act with my colleague from Maryland, Senator Cardin. I very much appreciate his leadership on this issue. The…

John Thune
Sen. John ThuneR-SD · Nov 15, 2023

Madam President, I ask unanimous consent that the text of the bill be printed in the Record.

Richard J. Durbin
Sen. Richard J. DurbinD-IL · Nov 15, 2023

Madam President, I ask unanimous consent that the text of the bill be printed in the Record.

Richard J. Durbin
Sen. Richard J. DurbinD-IL · Nov 15, 2023

Madam President, I ask unanimous consent that the text of the bill be printed in the Record.

Bill Text

Latest available legislative text

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Introduced in SenateIssued November 15, 2023

II

118th CONGRESS

1st Session

S. 3328

IN THE SENATE OF THE UNITED STATES

November 15, 2023

Mr. Durbin (for himself, Mr. Graham, Mr. Whitehouse, Mr. Cornyn, Ms. Klobuchar, Mr. Kennedy, Mr. Blumenthal, Mr. Tillis, and Ms. Hirono) introduced the following bill; which was read twice and referred to the Committee on the Judiciary

A BILL

To exempt for an additional 4-year period, from the application of the means-test presumption of abuse under chapter 7, qualifying members of reserve components of the Armed Forces and members of the National Guard who, after September 11, 2001, are called to active duty or to perform a homeland defense activity for not less than 90 days.

1.

Short title

This Act may be cited as the National Guard and Reservists Debt Relief Extension Act of 2023.

2.

National guard and reservists debt relief amendment

Section 4(b) of the National Guard and Reservists Debt Relief Act of 2008 (Public Law 110–438; 122 Stat. 5000) is amended by striking 15-year and inserting 19-year.