Bills · HR 3412
IN COMMITTEE· 119TH CONGRESS
House BillHR 3412Education
Ending Administrative Garnishment Act of 2025
INTRO MAY 14· LAST ACTION MAY 14
READING
4MIN
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LEGISLATIVE PROGRESS
STEP 2 / 8Introduced
In Committee
Reported
Passed House
Passed Senate
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenThis bill matters because it addresses concerns about how the government collects defaulted student loan debt, particularly through administrative wage garnishment. For many, having their wages garnished can make it difficult to afford basic necessities, especially for older loans or if the garnishment is based on incorrect information. If this bill becomes law, it could provide significant financial relief and greater protection for borrowers struggling with student loan debt by pausing garnishments and establishing clearer rules and accountability for the collection process. If it doesn't pass, the current system of administrative wage garnishment would continue without these added safeguards and time limits, potentially leaving borrowers vulnerable to collections practices that some consider unfair or overly burdensome.
KEY PROVISIONS
5AI-extractedPROVISION 01
Suspends the Secretary of Education's authority to garnish wages for defaulted student loans.
This immediately stops a major collection tool used by the government, potentially providing relief to many borrowers.
PROVISION 02
Requires the Secretary to certify to Congress that new processes are in place before garnishment can resume, including quick refunds for improper garnishments, discretionary suspension of garnishments, and quarterly employer verification.
This aims to ensure greater accuracy, fairness, and responsiveness in the garnishment process if it is ever reinstated.
PROVISION 03
Prohibits the Secretary from garnishing wages for any loan that has been outstanding for more than 10 years.
This creates a statute of limitations for administrative wage garnishment, offering a definitive end to collection efforts for older debts.
PROVISION 04
Mandates that if the Secretary improperly garnishes wages, they must pay the borrower twice the amount garnished within 10 days.
This provision creates a strong financial incentive for the Department to ensure accuracy and avoid errors in wage garnishment.
PROVISION 05
Makes employers liable for improperly withholding wages after a suspension or revocation notice, allowing for recovery of damages and legal fees.
This strengthens protections for employees by holding employers accountable for complying with garnishment orders and related notices.
SPONSORSHIP
1 + 0
D· Massachusetts
YRS IN OFFICE
—
BILLS LED
41
ACTION TIMELINE
2 EVENTSMAY 14
Introduced in House
MAY 14
Referred to the House Committee on Education and Workforce.
BILL INFO
TypeHouse Bill
NumberHR 3412
Congress119th
StatusIn Committee
IntroducedMay 14, 2025
Last actionMay 14, 2025
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IN COMMITTEE· 119TH CONGRESS · HOUSE · INTRODUCED MAY 14, 2025
House BillHR 3412Education
Ending Administrative Garnishment Act of 2025
INTRODUCED MAY 14, 2025· LAST ACTION MAY 14, 2025
PASSAGE CHANCES
—%
READING
4 min
COSPONSORS
0
COMPLEXITY
Moderate
