# 114-hr-5481: Ensure Responsible Borrowing Act

114-hr-5481, Ensure Responsible Borrowing Act, is a 114th Congress bill sponsored by MATT SALMON (R-AZ); status Referred to the Subcommittee on Higher Education and Workforce Training. (as of 2025-11-18).

- Canonical: https://policyrisk.com/legislation/114-hr-5481
- 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-5481
- Congress: 114
- Title: Ensure Responsible Borrowing Act
- Status: Referred to the Subcommittee on Higher Education and Workforce Training.
- Introduced: 2016-06-14
- Sponsor: MATT SALMON (R-AZ)
- Cosponsors: 1
- Policy area: Education
- Touches household money: no
- Last recorded action: 2025-11-18

## Summary

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.

## Cosponsors (1)

- Rep. Grothman, Glenn [R-WI-6] (R-WI), 2016-06-14T00:00:00.000Z

## Related bills

- 114-hr-5654: Stop Dangerous Sanctuary Cities Act
- 114-hr-5418: Protecting Internet Freedom Act
- 114-hr-5224: Criminal Alien Deportation Enforcement Act of 2016
- 114-hr-5141: Central American Amnesty Termination Act of 2016
- 114-hr-4956: End Executive Overreach Act
- 114-hr-4924: Prenatal Nondiscrimination Act (PRENDA) of 2016

## Sources
- [114-hr-5481 on Congress.gov](https://www.congress.gov/bill/114th-congress/house-bill/5481)

## Related
- [114-hr-5654: Stop Dangerous Sanctuary Cities Act](https://policyrisk.com/legislation/114-hr-5654)
- [114-hr-5418: Protecting Internet Freedom Act](https://policyrisk.com/legislation/114-hr-5418)
- [114-hr-5224: Criminal Alien Deportation Enforcement Act of 2016](https://policyrisk.com/legislation/114-hr-5224)
- [114-hr-5141: Central American Amnesty Termination Act of 2016](https://policyrisk.com/legislation/114-hr-5141)
- [114-hr-4956: End Executive Overreach Act](https://policyrisk.com/legislation/114-hr-4956)
- [114-hr-4924: Prenatal Nondiscrimination Act (PRENDA) of 2016](https://policyrisk.com/legislation/114-hr-4924)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/114-hr-5481 (as of 2025-11-18).