# 117-hr-7656: Stop Reckless Student Loan Actions Act of 2022

117-hr-7656, Stop Reckless Student Loan Actions Act of 2022, is a 117th Congress bill sponsored by Rep. Murphy, Gregory F. [R-NC-3] (R-NC); status Referred to the Committee on Education and Labor, and in addition to the Committee on Rules, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned. (as of 2025-11-18).

- Canonical: https://policyrisk.com/legislation/117-hr-7656
- As of: 2025-11-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 117-hr-7656
- Congress: 117
- Title: Stop Reckless Student Loan Actions Act of 2022
- Status: Referred to the Committee on Education and Labor, and in addition to the Committee on Rules, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
- Introduced: 2022-05-03
- Sponsor: Rep. Murphy, Gregory F. [R-NC-3] (R-NC)
- Cosponsors: 3
- Policy area: Education
- Touches household money: no
- Last recorded action: 2025-11-18

## Summary

Stop Reckless Student Loan Actions Act of 2022 This bill limits executive authority to (1) suspend or defer federal student loan payments or interest accrual on such loans, and (2) cancel federal student loans. Specifically, the bill prohibits the President or the Department of Education (ED) from suspending or deferring federal student loan payments or the accrual of interest on such loans for borrowers with annual household incomes over 400% of the federal poverty line. Further, ED may only suspend or defer federal student loan payments or the accrual of interest for such loans for a total of 90 days after the declaration of a national emergency by the President. ED must submit recommendations to Congress on relief necessary for recipients of student financial-aid assistance. Additionally, the bill prohibits the President or ED from cancelling the outstanding balances or portions of balances on student loans due to the COVID-19 national emergency or any other national emergency. Executive or regulatory action to suspend or defer federal student loan payments or to cancel federal student loans shall be subject to congressional review. The bill also revises the definition of affected individual for purposes of the Higher Education Relief Opportunities for Students (HEROES) Act of 2003 to exclude from relief under the act (1) an individual who resides or is employed in an area that is declared a disaster area in connection with a national emergency; or (2) an individual who suffered direct economic hardship as a direct result of a war, military operation, or national emergency.

## Cosponsors (3)

- Rep. Johnson, Dusty [R-SD-At Large] (R-SD), 2022-05-03T00:00:00.000Z
- Rep. Gallagher, Mike [R-WI-8] (R-WI), 2022-05-03T00:00:00.000Z
- Rep. Babin, Brian [R-TX-36] (R-TX), 2022-06-13T00:00:00.000Z

## Related bills

- 117-hr-5142: To award posthumously a Congressional Gold Medal, in commemoration to the servicemembers who perished in Afghanistan on August 26, 2021, during the evacuation…
- 117-hres-881: Condemning the heinous terrorist attack on Congregation Beth Israel in Colleyville, Texas, on January 15, 2022.
- 117-hconres-65: Expressing the sense of the Congress that tax-exempt fraternal benefit societies have historically provided and continue to provide critical benefits to the pe…
- 117-hjres-65: Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Labor relating to "COVID-19…
- 117-hr-6004: Upholding the 1995 Jerusalem Embassy Law Act of 2021
- 117-hr-5854: Illegal Immigrant Payoff Prohibition Act

## Sources
- [117-hr-7656 on Congress.gov](https://www.congress.gov/bill/117th-congress/house-bill/7656)

## Related
- [117-hr-5142: To award posthumously a Congressional Gold Medal, in commemoration to the servi…](https://policyrisk.com/legislation/117-hr-5142)
- [117-hres-881: Condemning the heinous terrorist attack on Congregation Beth Israel in Colleyvi…](https://policyrisk.com/legislation/117-hres-881)
- [117-hconres-65: Expressing the sense of the Congress that tax-exempt fraternal benefit societie…](https://policyrisk.com/legislation/117-hconres-65)
- [117-hjres-65: Providing for congressional disapproval under chapter 8 of title 5, United Stat…](https://policyrisk.com/legislation/117-hjres-65)
- [117-hr-6004: Upholding the 1995 Jerusalem Embassy Law Act of 2021](https://policyrisk.com/legislation/117-hr-6004)
- [117-hr-5854: Illegal Immigrant Payoff Prohibition Act](https://policyrisk.com/legislation/117-hr-5854)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/117-hr-7656 (as of 2025-11-18).