The leaps and bounds that bankruptcy has gone through are tremendous. Merely two years ago, effective October 17, 2005 the bankruptcy abuse prevention as well as the consumer protection acts of 2005 were introduced in the senate on February, 2005. The bill had passed out the judiciary committee without written reports on February 17, 2005 by a vote of 12-5.

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In the 107th congress, the house and senate individually passed bankruptcy reform bills. On the 15th of March 2001, the senate passed S. 420, the bankruptcy reform act of 2001, and on the 1st of March 2001, the house passed H.R. 333. And the bankruptcy abuse prevention and consumer protection act of 2001. On the 17th of July 2001, the senate voted on legislation to incorporate provisions of S. 420 as a substitution text in H.R. 333. This had passed by a vote of 82-16. On the 26th of July 2004, a conference report was submitted to H.R. 333. The conference report was never voted on in the senate

.On the 106th congress, the house and senate individually passed bankruptcy reform bills (S. 625 as well as H.R. 833). On the 11th of October 2001, the house submitted the conference report to H.R. 2415, the American embassy security act of 1999, which had stripped out the language in the bill and had also replaced it with bankruptcy legislation that had been negotiated between the house and senate republican leadership. The conference report did not consist of the several amendments that had been supplementary to the senate. H.R. 2415 was passed in the house by voice vote and in the senate by a vote of 70 to 28, nevertheless, it was subsequently pocket voted by the Clinton Administration.

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