B&C News Briefs ÆThe House of Representatives has passed H.R. 975, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2003. The bill is essentially the same as one agreed upon by a conference committee last year. Pushed heavily by the credit card industry, the bill would create a means test that would make it harder for borrowers to file for debt relief under Chapter 7. The bill would also mandate new disclosures, establish counseling