benefit in an employee pension plan, unless the beneficiary had the option to invest the assets in another way. [Vote 25, 3/3/05] XXXX Voted Against Allowing Employees to Recoup Back Pay and Healthcare Costs if Their Employer Declared Bankruptcy. XXXX voted against an Amendment to the Bankruptcy Reform bill that would have allowed employees to recover up to $15,000 in back pay or other compensation owed to them if their company declared bankruptcy. The amendment would also have entitled retirees to payment equal to the cost of buying health insurance for a period of 18 months if an employer reduced retiree health care benefits as part of a bankruptcy plan. [Vote 24, 3/3/05] XXXX Voted Against Making It Illegal To Hide Assets In Bankruptcy. XXXX voted against prohibiting debtors from transferring more than $125,000 in assets into an asset protection trust within the 10-year period prior to filing bankruptcy. The amendment was rejected 39-56. [Vote 23, 3/3/05] XXXX Voted Against Protecting Debtors from Lenders Who Violate the Truth in Lending Act. In March 2005, XXXX voted against an amendment that would prohibit high cost mortgage lenders from collecting on their claims in bankruptcy court if they extend credit in violation of the Truth in Lending Act. [Vote 22, 3/3/05] XXXX Voted Against Protecting Victims of Identity Theft From Provisions of Bankruptcy Bill. In March 2005, XXXX voted against an amendment to the Bankruptcy Reform bill that would have protected the rights of those who suffered from identity theft to file for bankruptcy. The amendment would have exempted victims of identity theft from the means test provisions of the bill. [Vote 21, 3/3/05] XXXX Voted Against Setting Credit Card Interest Rating Ceiling. In March 2005, XXXX voted against an amendment to the Bankruptcy reform bill that would have set 30 percent ceiling on interest rates for loans or credit cards. [Vote 20, 3/3/05] XXXX Voted Against an Amendment to Exempt Debtors from Bankruptcy Means Test if they Lost Their Job While Taking Care of a Sick Family Member. In March 2005, XXXX voted against an amendment to the Bankruptcy Reform bill, which would have exempted debtors from the means test in the bill if they were taking care of a sick family member. The amendment covered any individuals who incurred substantial medical debt on behalf of a family member, such as a parent or grandparent, or who experienced a reduction in employment status while caring for such a family member. [Vote 18, 3/2/05] XXXX Twice Voted to Make it More Difficult For People with High Medical Expenses from Filing for Bankruptcy. In March 2005, XXXX twice voted to make it more difficult for those with high medical expenses to file for bankruptcy. XXXX voted against an amendment to the Bankruptcy reform bill that would have exempted debtors from a bankruptcy means test if their financial troubles were caused by medical expenses. XXXX also voted against amendment hat would have allowed those declaring bankruptcy. [Vote 17, 3/2/05; Vote 16, 3/2/05] XXXX Voted Against Amendment Requiring Credit Card Companies to Give Credit Counseling to Debtors. In March 2005, XXXX voted against an amendment to the Bankruptcy Overhaul bill that would have required credit card companies to give debtors information about credit counseling. The amendment would have required credit card companies to issue a warning notification on monthly statements stating that a minimum payment would increase the amount of interest paid and the time it would take to repay the outstanding balance. It would also have required companies to disclose the amount required for the consumer to pay off the outstanding balance in three years, if no further advances were made. It also would require credit card companies to provide a toll free number for consumers to receive information about credit counseling and debt management assistance. [Vote 15, 3/2/05] XXXX Voted Against Allowing Elderly to Claim Federal Homestead Exemption. In March 2005, XXXX voted against an amendment that would have created a federal homestead exemption of $75,000 for debtors over the age of 62. [Vote 14, 3/2/05] 19