# 114-hr-3474: Christopher's Law

114-hr-3474, Christopher's Law, is a 114th Congress bill sponsored by Rep. Pascrell, Bill, Jr. [D-NJ-9] (D-NJ); status Referred to the Subcommittee on Higher Education and Workforce Training. (as of 2025-11-18).

- Canonical: https://policyrisk.com/legislation/114-hr-3474
- As of: 2025-11-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 114-hr-3474
- Congress: 114
- Title: Christopher's Law
- Status: Referred to the Subcommittee on Higher Education and Workforce Training.
- Introduced: 2015-09-10
- Sponsor: Rep. Pascrell, Bill, Jr. [D-NJ-9] (D-NJ)
- Cosponsors: 4
- Policy area: Education
- Touches household money: no
- Last recorded action: 2025-11-18

## Summary

Christopher Bryski Student Loan Protection Act or Christopher's Law This bill amends the Truth in Lending Act to require a private student loan lender to disclose clearly and conspicuously in writing a cosigner's obligations regarding a private student loan. The Consumer Financial Protection Bureau (CFPB) must publish a model form for such disclosure. The bill prohibits a private student loan lender from taking an adverse action against a borrower (e.g., placing a loan in default or accelerating a loan balance) upon a cosigner's death, disability, or bankruptcy. It also prohibits adverse actions against a cosigner for a borrower's death, disability, or bankruptcy. The CFPB must establish and a private student loan lender must disclose criteria for releasing a cosigner from a private student loan obligation. A private student loan lender must also: provide prompt notice of a cosigner's release; allow a borrower to designate a legal representative to make decisions upon the death or disability of such borrower; and ensure a borrower and cosigner receive comprehensive counseling on the terms, conditions, and responsibilities of a private student loan. Additionally, this bill amends title IV (Student Assistance) of the Higher Education Act of 1965 to expand the required elements of entrance counseling for a federal student loan borrower to include: conditions for loan discharge upon the death or disability of a borrower, options for loan repayment and forgiveness upon the death or disability of a borrower or cosigner, and obligations of a borrower or cosigner upon the death or disability of a borrower. It requires clear and conspicuous disclosure of a student's option to designate a legal representative to make decisions about a federal student loan upon such student's death or disability.

## Cosponsors (4)

- Rep. Kaptur, Marcy [D-OH-9] (D-OH), 2016-07-14T00:00:00.000Z
- Rep. Watson Coleman, Bonnie [D-NJ-12] (D-NJ), 2016-07-14T00:00:00.000Z
- Rep. Payne, Donald M., Jr. [D-NJ-10] (D-NJ), 2016-07-18T00:00:00.000Z
- Rep. Pallone, Frank [D-NJ-6] (D-NJ), 2016-11-29T00:00:00.000Z

## Related bills

- 114-hr-5621: To posthumously award a Congressional Gold Medal to Lawrence Eugene "Larry" Doby in recognition of his achievements and contributions to American major league…
- 114-hr-5207: Freedom of Religion Act of 2016
- 114-hr-5090: To ensure that air transportation between the United States and the European Union complies with the intent of article 17 bis of the United States-European Uni…
- 114-hr-5044: Making supplemental appropriations for fiscal year 2016 to respond to Zika virus.
- 114-hr-4592: Naismith Memorial Basketball Hall of Fame Commemorative Coin Act
- 114-hr-4269: Assault Weapons Ban of 2015

## Sources
- [114-hr-3474 on Congress.gov](https://www.congress.gov/bill/114th-congress/house-bill/3474)

## Related
- [114-hr-5621: To posthumously award a Congressional Gold Medal to Lawrence Eugene "Larry" Dob…](https://policyrisk.com/legislation/114-hr-5621)
- [114-hr-5207: Freedom of Religion Act of 2016](https://policyrisk.com/legislation/114-hr-5207)
- [114-hr-5090: To ensure that air transportation between the United States and the European Un…](https://policyrisk.com/legislation/114-hr-5090)
- [114-hr-5044: Making supplemental appropriations for fiscal year 2016 to respond to Zika viru…](https://policyrisk.com/legislation/114-hr-5044)
- [114-hr-4592: Naismith Memorial Basketball Hall of Fame Commemorative Coin Act](https://policyrisk.com/legislation/114-hr-4592)
- [114-hr-4269: Assault Weapons Ban of 2015](https://policyrisk.com/legislation/114-hr-4269)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/114-hr-3474 (as of 2025-11-18).