# 114-hr-4652: CLEAR Act

114-hr-4652, CLEAR Act, is a 114th Congress bill sponsored by Rep. Takai, Mark [D-HI-1] (D-HI); status Referred to the Subcommittee on Higher Education and Workforce Training. (as of 2025-11-18).

- Canonical: https://policyrisk.com/legislation/114-hr-4652
- 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-4652
- Congress: 114
- Title: CLEAR Act
- Status: Referred to the Subcommittee on Higher Education and Workforce Training.
- Introduced: 2016-02-29
- Sponsor: Rep. Takai, Mark [D-HI-1] (D-HI)
- Cosponsors: 19
- Policy area: Education
- Touches household money: no
- Last recorded action: 2025-11-18

## Summary

Clarity in Lending for Education and Repayment Act or the CLEAR Act This bill amends title IV (Student Assistance) of the Higher Education Act of 1965 to revise federal student loan repayment plan options for new borrowers of Direct Loan (DL) program loans issued on or after July 1, 2016. Specifically, the bill terminates several existing repayment plan options, including the graduated, extended, income-contingent, and income-based repayment plans. It retains the existing standard repayment plan and establishes a new revised pay-as-you-earn repayment plan that, among other things, caps monthly payments at 10% of discretionary income and sets a 20-year maximum repayment period. A new borrower of a DL program subsidized Stafford, unsubsidized Stafford, PLUS, or consolidation loan issued on or after July 1, 2016, must enroll in the standard or revised pay-as you earn repayment plan. The Department of Education must consult with students, family members, institutions of higher education, and other experts to improve the required disclosures with respect to federal Direct Loans. Finally, the bill amends the Internal Revenue Code to exclude from an individual's gross income the amount of federal student loans discharged due to the death or disability of the student.

## Cosponsors (19)

- CHARLES RANGEL (D-NY), 2016-02-29T00:00:00.000Z
- Rep. Chu, Judy [D-CA-28] (D-CA), 2016-02-29T00:00:00.000Z
- MICHAEL HONDA (D-CA), 2016-02-29T00:00:00.000Z
- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2016-02-29T00:00:00.000Z
- ROBERT BRADY (D-PA), 2016-02-29T00:00:00.000Z
- Rep. Clarke, Yvette D. [D-NY-9] (D-NY), 2016-02-29T00:00:00.000Z
- Rep. Boyle, Brendan F. [D-PA-2] (D-PA), 2016-02-29T00:00:00.000Z
- Rep. Moore, Gwen [D-WI-4] (D-WI), 2016-02-29T00:00:00.000Z
- Rep. Pallone, Frank [D-NJ-6] (D-NJ), 2016-02-29T00:00:00.000Z
- Rep. Lee, Barbara [D-CA-12] (D-CA), 2016-02-29T00:00:00.000Z
- Rep. Lieu, Ted [D-CA-36] (D-CA), 2016-02-29T00:00:00.000Z
- Rep. Watson Coleman, Bonnie [D-NJ-12] (D-NJ), 2016-02-29T00:00:00.000Z
- RICHARD NOLAN (D-MN), 2016-02-29T00:00:00.000Z
- Rep. Schakowsky, Janice D. [D-IL-9] (D-IL), 2016-02-29T00:00:00.000Z
- Rep. Jackson Lee, Sheila [D-TX-18] (D-TX), 2016-02-29T00:00:00.000Z
- Rep. Grijalva, Raúl M. [D-AZ-7] (D-AZ), 2016-03-01T00:00:00.000Z
- Rep. Takano, Mark [D-CA-39] (D-CA), 2016-03-01T00:00:00.000Z
- Rep. Larsen, Rick [D-WA-2] (D-WA), 2016-03-07T00:00:00.000Z
- Rep. DeSaulnier, Mark [D-CA-10] (D-CA), 2016-04-13T00:00:00.000Z

## Related bills

- 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-3268: PAST Act
- 114-hr-3185: Equality Act
- 114-hr-2867: Voting Rights Advancement Act of 2015
- 114-hr-2737: Filipino Veterans of World War II Congressional Gold Medal Act of 2015

## Sources
- [114-hr-4652 on Congress.gov](https://www.congress.gov/bill/114th-congress/house-bill/4652)

## Related
- [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-3268: PAST Act](https://policyrisk.com/legislation/114-hr-3268)
- [114-hr-3185: Equality Act](https://policyrisk.com/legislation/114-hr-3185)
- [114-hr-2867: Voting Rights Advancement Act of 2015](https://policyrisk.com/legislation/114-hr-2867)
- [114-hr-2737: Filipino Veterans of World War II Congressional Gold Medal Act of 2015](https://policyrisk.com/legislation/114-hr-2737)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/114-hr-4652 (as of 2025-11-18).