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FEDERALcongressional record

Proposed Bankruptcy Threshold Adjustment Act of 2026

Original title: Text of Senate Amendment 6122

June 24, 2026

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The Frame

What this does

If enacted, this change would allow small businesses with up to $7.5 million in debt and individuals with up to $2.75 million in debt to qualify for specific bankruptcy chapters, potentially altering the legal options available to debtors and creditors.

Who is mentioned in the record

Potentially affected actors named in the source documents. Mention is not a position.

Small business owners

The amendment changes the debt thresholds that determine their eligibility for specific bankruptcy proceedings.

Individual debtors

The amendment increases the debt limit for individuals seeking to file for Chapter 13 bankruptcy.

What changed

Last recorded activity June 24, 2026.

What's next

Next step not available in the current record.

Summary

This proposed amendment to the 2027 defense authorization bill would increase the debt limits for small businesses and individuals filing for bankruptcy. It aims to allow more entities to qualify for streamlined bankruptcy processes by raising the maximum debt thresholds for eligibility.

Key Facts

You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.

Frequently Asked Questions

Who would be eligible for the new small business bankruptcy limit?
Businesses with up to $7.5 million in , provided at least 50% of that debt is business-related and they are not a single-asset real estate firm or a publicly traded corporation.
How does this change individual bankruptcy?
It raises the debt ceiling for individuals (and their spouses) to qualify for bankruptcy to $2.75 million.

Why It Matters

If enacted, this change would allow small businesses with up to $7.5 million in debt and individuals with up to $2.75 million in debt to qualify for specific bankruptcy chapters, potentially altering the legal options available to debtors and creditors.

News Coverage

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Sponsors

Discoveries

Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.

policy shift90% confidence

Expansion of Bankruptcy Access

The amendment continues a trend of raising debt limits to allow more entities to utilize streamlined bankruptcy chapters.

Connected Entities

organizationDepartment of DefenseAgency affected by the underlying bill S. 4784.Map →
personMr. GrassleyU.S. Senator who submitted the amendment.Map →
organizationDepartment of EnergyAgency affected by the underlying bill S. 4784.Map →
personMr. DurbinU.S. Senator who co-sponsored the amendment.Map →

Sources

Open source document

www.govinfo.gov

Analysis Score

0–100
  • Significance65
    How much this matters to a regular citizen
  • Controversy20
    Intensity of disagreement among stakeholders
  • Entertainment5
    Compellingness for a non-policy-wonk reader
  • Buzz15
    Current news / social attention level

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