# 115-hr-4119: Student Loan Disclosure Modernization Act

115-hr-4119, Student Loan Disclosure Modernization Act, is a 115th Congress bill sponsored by Rep. Messer, Luke [R-IN-6] (R-IN); status Referred to the House Committee on Education and the Workforce. (as of 2025-11-18).

- Canonical: https://policyrisk.com/legislation/115-hr-4119
- As of: 2025-11-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 115-hr-4119
- Congress: 115
- Title: Student Loan Disclosure Modernization Act
- Status: Referred to the House Committee on Education and the Workforce.
- Introduced: 2017-10-25
- Sponsor: Rep. Messer, Luke [R-IN-6] (R-IN)
- Cosponsors: 14
- Policy area: Education
- Touches household money: no
- Last recorded action: 2025-11-18

## Summary

Student Loan Disclosure Modernization Act This bill amends the Higher Education Act of 1965 to require the student loan disclosure forms under the Federal Family Education Loan Program to include the annual percentage rate applicable to the loan. In addition, the bill requires the student loan disclosure forms under the William D. Form Federal Direct Loan Program to be written in plain language to enable borrowers to understand loan terms, total costs of loans, and estimated monthly repayments. Direct loans may not be issued to borrowers unless they acknowledge in writing that they have read the form.

## Cosponsors (14)

- Rep. Cleaver, Emanuel [D-MO-5] (D-MO), 2017-10-25T00:00:00.000Z
- Rep. Hultgren, Randy [R-IL-14] (R-IL), 2017-10-25T00:00:00.000Z
- Rep. Ferguson, A. Drew, IV [R-GA-3] (R-GA), 2017-10-25T00:00:00.000Z
- Rep. Garrett, Thomas A., Jr. [R-VA-5] (R-VA), 2017-10-25T00:00:00.000Z
- Rep. Brooks, Susan W. [R-IN-5] (R-IN), 2017-10-25T00:00:00.000Z
- Rep. Lewis, Jason [R-MN-2] (R-MN), 2017-10-25T00:00:00.000Z
- Rep. Stefanik, Elise M. [R-NY-21] (R-NY), 2017-10-25T00:00:00.000Z
- Rep. Mitchell, Paul [R-MI-10] (R-MI), 2017-10-31T00:00:00.000Z
- Rep. Ross, Dennis A. [R-FL-15] (R-FL), 2017-10-31T00:00:00.000Z
- Rep. Hunter, Duncan D. [R-CA-50] (R-CA), 2017-10-31T00:00:00.000Z
- Sen. Banks, Jim [R-IN] (R-IN), 2017-10-31T00:00:00.000Z
- Rep. Bucshon, Larry [R-IN-8] (R-IN), 2017-10-31T00:00:00.000Z
- Rep. Rokita, Todd [R-IN-4] (R-IN), 2017-10-31T00:00:00.000Z
- Rep. Yoder, Kevin [R-KS-3] (R-KS), 2018-03-20T00:00:00.000Z

## Related bills

- 115-hr-5499: Stephen Michael Gleason Congressional Gold Medal Act
- 115-hr-2519: The American Legion 100th Anniversary Commemorative Coin Act
- 115-hr-1057: STOP Act of 2017
- 115-hr-849: Protecting Seniors Access to Medicare Act
- 115-hr-38: Concealed Carry Reciprocity Act of 2017
- 115-hr-184: Protect Medical Innovation Act of 2018

## Sources
- [115-hr-4119 on Congress.gov](https://www.congress.gov/bill/115th-congress/house-bill/4119)

## Related
- [115-hr-5499: Stephen Michael Gleason Congressional Gold Medal Act](https://policyrisk.com/legislation/115-hr-5499)
- [115-hr-2519: The American Legion 100th Anniversary Commemorative Coin Act](https://policyrisk.com/legislation/115-hr-2519)
- [115-hr-1057: STOP Act of 2017](https://policyrisk.com/legislation/115-hr-1057)
- [115-hr-849: Protecting Seniors Access to Medicare Act](https://policyrisk.com/legislation/115-hr-849)
- [115-hr-38: Concealed Carry Reciprocity Act of 2017](https://policyrisk.com/legislation/115-hr-38)
- [115-hr-184: Protect Medical Innovation Act of 2018](https://policyrisk.com/legislation/115-hr-184)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/115-hr-4119 (as of 2025-11-18).