1. Short title This Act may be cited as the Consumer Bankruptcy Reform Act of 2020 . 2. Table of contents The table of contents for this Act is as follows: Sec. 1. Short title. Sec. 2. Table of contents. TITLE I—Chapter 10 individual bankruptcy Sec. 101. Findings and purpose. Sec. 102. Chapter 10 individual bankruptcy. Sec. 103. Repeal of chapter 13. Sec. 104. Other amendments to the Bankruptcy Code. Sec. 105. Data collection. Sec. 106. Electronic signatures. Sec. 107. Judicial education. Sec. 108. Conforming amendments to other laws. TITLE II—Consumer financial protection amendments Sec. 201. Amendments to the Consumer Financial Protection Act of 2010. Sec. 202. Amendments to the Truth in Lending Act. Sec. 203. Amendments to the Fair Credit Reporting Act. Sec. 204. Amendments to the Equal Credit Opportunity Act. Sec. 205. Amendments to the Fair Debt Collection Practices Act. Sec. 206. Amendments to the Electronic Fund Transfers Act. TITLE III—Bankruptcy rules Sec. 301. Rules Enabling Act amendments. Sec. 302. Bankruptcy rules amendments. Sec. 303. Sense of Congress. TITLE IV—Funding the bankruptcy system Sec. 401. Bankruptcy fees. Sec. 402. Trustee compensation. TITLE V—Bankruptcy lien filing system Sec. 501. Bankruptcy lien filing system. TITLE VI—Miscellaneous Sec. 601. Effective date. Sec. 602. Transition. Sec. 603. Severability. I Chapter 10 individual bankruptcy 101. Findings and purpose (a) Findings Congress finds that— (1) individuals and families are often in financial distress for reasons outside of their control, such as job loss, medical bills, or educational debt, and an effective bankruptcy system not only provides those individuals and families with a fresh start but also ensures that they can participate fully in the United States economy; (2) the Bankruptcy Code was adopted in 1978, and, since then, consumer lending has grown dramatically and been transformed by technology and the preemption of State usury and consumer protection laws for certain types of lenders