| Effective Date | Best Case Bankruptcy History of Means Test Changes |
|---|---|
| 04/01/2023 | Census Bureau Median Family Income. Comparison 11/22 04/22 04/21 04/18 |
| 11/01/2022 | Census Bureau Median Family Income. Comparison 5/22 11/20 11/19 11/17 |
| 05/15/2022 | IRS National Standards for Allowable Living Expenses
IRS National Standards for Health Care Expenses IRS Local Standards for Housing and Utilities Expenses IRS National Standard for Public Transportation Expense & Car Ownership IRS Local Standards for Transportation Operating Expense Administrative Expenses Multipliers (except AL & NC) |
| 04/01/2022 | Census Bureau Median Family Income. Comparison 05/21 04/21 04/20 04/17 |
| 05/15/2021 | IRS National Standards for Allowable Living Expenses
IRS National Standards for Health Care Expenses IRS Local Standards for Housing and Utilities Expenses IRS National Standard for Public Transportation Expense & Car Ownership IRS Local Standards for Transportation Operating Expense Administrative Expenses Multipliers (except AL & NC) |
| 04/01/2021 | Census Bureau Median Family Income. Comparison 11/20 04/20 04/19 04/18 04/16 |
| 11/01/2020 | Census Bureau Median Family Income. Comparison 5/20 11/19 11/18 11/15 |
| 05/01/2020 | IRS National Standards for Allowable Living Expenses
IRS National Standards for Health Care Expenses IRS Local Standards for Housing and Utilities Expenses IRS National Standard for Public Transportation Expense & Car Ownership IRS Local Standards for Transportation Operating Expense Administrative Expenses Multipliers (except AL & NC) |
| 04/01/2020 | Census Bureau Median Family Income. Comparison 11/19 04/19 04/18 04/17 04/15 |
| 11/01/2019 | Census Bureau Median Family Income. Comparison 11/18 11/17 11/16 11/14 |
| 05/01/2019 | IRS National Standards for Allowable Living Expenses
IRS National Standards for Health Care Expenses IRS Local Standards for Housing and Utilities Expenses IRS National Standard for Public Transportation Expense & Car Ownership IRS Local Standards for Transportation Operating Expense Administrative Expenses Multipliers (except AL & NC) |
| 04/01/2019 | Census Bureau Median Family Income.
Comparison 11/18
05/18
04/18
04/17
04/14
11 USC §104(b) 3-year CPI Adjustment to Form B122A and B122C Median Income, Family 5 or More, $8,400 changes to $9,000 per person B22 Presumption $7,700 floor changes to $8,175 B22 Presumption $12,850 ceiling changes to $13,650 B22 Education per child limit changes from $160.42 to $170.83 |
| 11/01/2018 | Census Bureau Median Family Income. Comparison 11/17 11/16 11/15 11/13 |
| 05/01/2018 | IRS National Standards for Allowable Living Expenses
IRS National Standards for Health Care Expenses IRS Local Standards for Housing and Utilities Expenses IRS National Standard for Public Transportation Expense & Car Ownership IRS Local Standards for Transportation Operating Expense Administrative Expenses Multipliers (except AL & NC) |
| 04/01/2018 | Census Bureau Median Family Income. Comparison 04/17 04/16 04/13 |
| 11/01/2017 | Census Bureau Median Family Income. Comparison 11/16 11/15 11/14 11/12 |
| 10/01/2017 | AO Administrative Expenses for AL-M, AL-N, NC-E, NC-M and NC-W.
View Tables View multiplier changes in Alabama or North Carolina. |
| 05/01/2017 | IRS National Standards for Allowable Living Expenses
IRS National Standards for Health Care Expenses IRS Local Standards for Housing and Utilities Expenses IRS National Standard for Public Transportation Expense & Car Ownership IRS Local Standards for Transportation Operating Expense Administrative Expenses Multipliers (except AL & NC) |
| 04/01/2017 | Census Bureau Median Family Income. Comparison 11/16 04/16 04/15 04/14 04/12 |
| 11/01/2016 | Census Bureau Median Family Income. Comparison 04/16 11/15 11/14 11/11 |
| 10/01/2016 | AO Administrative Expenses for AL-M, AL-N, NC-E, NC-M and NC-W.
View Tables View multiplier changes in Alabama or North Carolina. |
| 05/01/2016 | IRS National Standards for Allowable Living Expenses
IRS National Standards for Health Care Expenses IRS Local Standards for Housing and Utilities Expenses IRS National Standard for Public Transportation Expense & Car Ownership IRS Local Standards for Transportation Operating Expense Administrative Expenses Multipliers (except AL & NC) |
| 04/01/2016 | Census Bureau Median Family Income.
Comparison 11/15
05/15
05/14
04/13
03/11
11 USC §104(b) 3-year CPI Adjustment to Form B122A and B122C Median Income, Family 5 or More, $8,100 changes to $8,400 per person (up 3.7%) B22 Presumption $7,475 floor changes to $7,700 (up $3.75/mo 3.0%) B22 Presumption $12,475 ceiling changes to $12,850 (up $6.25/mo 3.0%) B22 Education per child limit changes from $156.25 to $160.42 |
| 11/01/2015 | Census Bureau Median Family Income. Comparison 04/15 11/14 11/13 11/10 |
| 10/01/2015 | AO Administrative Expenses for AL-M, AL-N, NC-E and NC-W.
View Tables View multiplier changes in Alabama or North Carolina. |
| 05/15/2015 | IRS National Standards for Allowable Living Expenses
IRS Local Standards for Housing and Utilities Expenses IRS National Standard for Public Transportation Expense Administrative Expenses Multipliers (except AL & NC) |
| 04/01/2015 | Census Bureau Median Family Income. Comparison 11/14 04/14 04/13 04/10 |
| 11/01/2014 | Census Bureau Median Family Income. Comparison 04/14 11/13 11/12 11/09 |
| 10/01/2014 | AO Administrative Expenses for AL-M, AL-N, NC-E and NC-W.
View Tables View multiplier changes in Alabama or North Carolina. |
| 05/01/2014 | IRS National Standards for Allowable Living Expenses
IRS Local Standards for Housing and Utilities Expenses IRS National Standard for Public Transportation Expense IRS Local Standards for Transportation Operating Expense: MW-MSP only Administrative Expenses Multipliers (except AL & NC) |
| 04/01/2014 | Census Bureau Median Family Income. Comparison 11/13 04/13 |
| 11/15/2013 | Census Bureau Median Family Income. Comparison |
| 10/01/2013 | AO Administrative Expenses for AL-M and NC-W.
View Tables View multiplier changes in Alabama or North Carolina. |
| 05/01/2013 | IRS National Standards for Allowable Living Expenses
IRS Local Standards for Housing and Utilities Expenses IRS Local Standards for Transportation Operating Expense: SO-DC only Administrative Expenses Multipliers (except AL & NC) |
| 04/01/2013 | Census Bureau Median Family Income
11 USC §104(b) 3-year CPI Adjustment to Form B22A and B22C Median Income, Family 5 or More, $7,500 changes to $8,100 per person B22 Presumption $7,025 floor changes to $7,475 (up $7.50/mo 6.4%) B22 Presumption $11,725 ceiling changes to $12,475 (up $12.50/mo 6.4%) B22 Education per child limit changes from $147.92 to $156.25 |
| 11/01/2012 | Census Bureau Median Family Income Comparison |
| 10/01/2012 | AO Administrative Expenses for AL-M, AL-N and NC-W.
View Tables View multiplier changes in Alabama or North Carolina. |
| 05/01/2012 | Census Bureau Median Family Income
IRS National Standards for Allowable Living Expenses IRS Local Standards for Housing and Utilities Expenses IRS National Standard for Public Transportation Expense IRS National Standards for Transportation Ownership Expenses Administrative Expenses Multipliers (except AL & NC) |
| 11/01/2011 | Census Bureau Median Family Income
IRS Local Standards for Housing and Utilities Expenses IRS ends Standards for Guam, Northern Mariana and Virgin Islands IRS Housing Standards reflect Alaska County remapping for Prince of Wales, Skagway, Hoonah, Angoon, Wrangell, Petersburg |
| 10/01/2011 | AO Administrative Expenses for AL and NC. View Tables |
| 08/26/2011 | Nebraska Administrative Expense Multiplier changed from 5.9% to 5.4% |
| 03/15/2011 | Census Bureau Median Family Income
IRS National Standards for Allowable Living Expenses IRS National Standards for Out-of-Pocket Health Care Expenses IRS Local Standards for Housing and Utilities Expenses IRS National Standard for Public Transportation Expense Administrative Expenses Multipliers (except AL & NC) |
| 11/01/2010 | Census Bureau Median Family Income |
| 10/01/2010 | AO Administrative Expenses for AL and NC. View Tables |
| 04/01/2010 | 11 USC §104(b) 3-year CPI Adjustment to Form B22A and B22C
Median Income, Family 5 or More, $6,900 changes to $7,500 per person B22 Presumption $6,575 floor changes to $7,025 (up $7.50/mo) B22 Presumption $10,950 ceiling changes to $11,725 (up $12.92/mo) B22 Education per child limit changes from $137.50 to $147.92 |
| 03/15/2010 | Census Bureau Median Family Income
IRS National Standards for Allowable Living Expenses IRS National Standards for Out-of-Pocket Health Care Expenses IRS Local Standards for Housing and Utilities Expenses IRS National Standard for Public Transportation Expense Administrative Expenses Multipliers (except AL & NC) |
| 11/01/2009 | Census Bureau Median Family Income |
| 10/01/2009 | AO Administrative Expenses for AL and NC |
| 03/15/2009 | Census Bureau Median Family Income
IRS National Standards for Allowable Living Expenses IRS National Standards for Out-of-Pocket Health Care Expenses IRS Local Standards for Housing and Utilities Expenses IRS National Standard for Public Transportation Expense |
| 10/01/2008 | Census Bureau Median Family Income
AO Administrative Expenses for AL and NC |
| 03/17/2008 | IRS National Standards for Allowable Living Expenses
IRS Local Standards for Housing and Utilities Expenses IRS National Standards for Transportation Ownership Expenses IRS Local Standards for Transportation Operating Expenses |
| 02/01/2008 | Census Bureau Median Family Income
Administrative Expenses Multipliers |
| 01/01/2008 | IRS National Standards for Allowable Living Expenses
(Living no longer based on income. AK and HI removed.) IRS Local Standards for Housing and Utilities Expenses IRS Local Standards for Transportation Expenses IRS National Standards for Transportation Ownership Expenses IRS Local Standards for Transportation Operating Expenses (Public Transportation changed from Local to National; Regionally variable $167 - $325 reduced to National $163/month.) New IRS National Standard for Out-of-Pocket Health Care Expenses |
| 10/15/2007 | Census Bureau Median Family Income
AO Administrative Expenses for AL and NC |
| 04/01/2007 | 11 USC §104(b) 3-year CPI Adjustment to Form B22A and B22C
Median Income, Family 5 or More, $6,300 changes to $6,900 per person B22 Presumption $6,000 floor changes to $6,575 B22 Presumption $10,000 ceiling changes to $10,950 B22 Education per child limit changes from $125 to $137.50 |
| 02/01/2007 | Census Bureau Median Family Income
Administrative Expenses Multipliers |
| 10/01/2006 | Census Bureau Median Family Income
AO Administrative Expenses for AL and NC |
| 02/13/2006 | Census Bureau Median Family Income
IRS National Standards for Allowable Living Expenses IRS Local Standards for Housing and Utilities Expenses IRS National Standards for Transportation Ownership Expenses IRS Local Standards for Transportation Operating Expenses Administrative Expenses Multipliers |
| 10/17/2005 | Original Tables for BAPCPA Form B22
Census Bureau Median Family Income IRS National Standards for Allowable Living Expenses IRS Local Standards for Housing and Utilities Expenses IRS National Standards for Transportation Ownership Expenses IRS Local Standards for Transportation Operating Expenses Administrative Expenses Multipliers |
| Effective Date | Changes | Living Expenses | Health Care | Transportation | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 Person | 2 Person | 3 Person | 4 Person | Extra Person | Age 1-64 | Age 65+ | Public | Own Car 1 | Own Car 2 | ||
| 05/01/2019 | Living, Public Trans | $727 | $1,288 | $1,446 | $1,786 | $420 | $55 | $114 | $217 | $508 | $508 |
| 05/01/2018 | Living, Public Trans | $647 | $1,202 | $1,384 | $1,694 | $357 | $52 | $114 | $178 | $497 | $497 |
| 05/01/2017 | Living, Public Trans | $639 | $1,132 | $1,378 | $1,650 | $325 | $49 | $117 | $189 | $485 | $485 |
| 05/01/2016 | Living, Public Trans | $570 | $1,083 | $1,249 | $1,509 | $341 | $54 | $130 | $173 | $471 | $471 |
| 05/15/2015 | Living, Public Trans | $585 | $1,092 | $1,249 | $1,513 | $378 | $60 | $144 | $185 | $517 | $517 |
| 05/01/2014 | Living, Public Trans | $583 | $1,092 | $1,249 | $1,482 | $298 | $60 | $144 | $184 | $517 | $517 |
| 05/01/2013 | Living | $583 | $1,053 | $1,234 | $1,465 | $281 | $60 | $144 | $182 | $517 | $517 |
| 05/01/2012 | Living, Trans Ownership | $565 | $1,029 | $1,227 | $1,450 | $281 | $60 | $144 | $182 | $517 | $517 |
| 03/15/2011 | Living | $534 | $985 | $1,171 | $1,377 | $262 | $60 | $144 | $182 | $496 | $496 |
| 03/15/2010 | Living, Public Trans, Trans Ownership | $526 | $985 | $1,152 | $1,371 | $262 | $60 | $144 | $182 | $496 | $496 |
| 03/15/2009 | Living, Health, Public Trans | $517 | $985 | $1,152 | $1,370 | $262 | $60 | $144 | $173 | $489 | $489 |
| 03/17/2008 | Living, Trans Ownership | $507 | $961 | $1,151 | $1,370 | $262 | $57 | $144 | $163 | $489 | $489 |
| 01/01/2008 | Living, Public Trans, Ownership, Health
Living amounts no longer based on income Public Transportation changes to National | $494 | $925 | $1,123 | $1,331 | $246 | $54 | $144 | $163 | $478 | $478 |
| 02/13/2006 | Living, Public Trans, Trans Ownership
Living amounts based on income Living range applies to $40,000+ income Public Transportation Regional | $621 to $916 | $825 to $1306 | $937 to $1368 | $1063 to $1546 | $193 to $216 | N/A | N/A | $167 to $325 | $471 | $332 |
| 10/17/2005 | Original Tables for BAPCPA Form B22
Living amounts based on income and not applicable to below median debtors Living range applies to $40,000+ income Public Transportation Regional ranging from Pittsburg $161 to San Francisco $317 | $649 to $953 | $857 to $1280 | $1002 to $1430 | $1131 to $1564 | $188 to $209 | N/A | N/A | $161 to $317 | $475 | $338 |
| Effective Date | Days | Changes | Living Expenses | Health Care | Transportation | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 Person | 2 Person | 3 Person | 4 Person | Extra Person | Age 1-64 | Age 65+ | Public | Own Car 1 | Own Car 2 | |||
| 05/01/2019 | 365 | Living, Health, Public, Ownership | +80 12% | +86 7% | +62 4% | +92 5% | +63 18% | +3 6% | 0 0% | +39 22% | +11 2% | +11 2% |
| 05/01/2018 | 365 | Living, Health, Public, Ownership | +8 1% | +70 6% | +6 0% | +44 3% | +32 10% | +3 6% | -3 -3% | -11 -6% | +12 2% | +12 2% |
| 05/01/2017 | 365 | Living, Health, Public, Ownership | +69 12% | +49 5% | +129 10% | +141 9% | -16 -5% | -5 -9% | -13 -10% | +16 9% | +14 3% | +14 3% |
| 05/01/2016 | 352 | Living, Health, Public, Ownership | -15 -3% | -9 -1% | -4 0% | -37 -10% | -6 -10% | -14 -10% | -12 -6% | -46 -9% | -46 -9% | |
| 05/15/2015 | 379 | Living, Public Trans | +2 0% | +31 2% | +80 27% | +1 0% | ||||||
| 05/01/2014 | 365 | Living, Public Trans | +39 4% | +15 1% | +17 1% | +17 6% | +2 1% | |||||
| 05/01/2013 | 365 | Living | +18 3% | +24 2% | +7 1% | +15 1% | ||||||
| 05/01/2012 | 413 | Living, Trans Ownership | +31 6% | +44 4% | +56 5% | +73 5% | +19 7% | +21 4% | +21 4% | |||
| 03/15/2011 | 365 | Living | +8 2% | +19 2% | +6 0% | |||||||
| 03/15/2010 | 365 | Living, Public & Ownership Trans | +9 2% | +1 0% | +9 5% | +7 1% | +7 1% | |||||
| 03/15/2009 | 363 | Living, Health, Public Trans | +10 2% | +24 2% | +1 0% | +3 5% | +10 6% | |||||
| 03/17/2008 | 76 | Living, Trans Ownership | +13 3% | +36 4% | +28 2% | +39 3% | +16 7% | +3 6% | +11 2% | +11 2% | ||
| 01/01/2008 | 687 | Living, Health, Transportation | $494 | $925 | $1,123 | $1,331 | $246 | $54 | $144 | $163 | $478 | $478 |
| Effective Date | Changes | Presumption of Abuse | Education per Child | Income 5+ Persons | Simple Percentage Increase | Annual Percentage Rate | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Floor | Ceiling | Floor | Ceilng | Educ | Inc5+ | Floor | Ceilng | Educ | Inc5+ | ||||
| 04/01/2019 | §104(b) 3-year CPI | $8,175 $136.25/mo | $13,650 $227.50/mo | $170.83/mo | $9,000 | 6.2% | 6.2% | 6.5% | 7.1% | 2.1% | 2.1% | 2.2% | 2.4% |
| 04/01/2016 | §104(b) 3-year CPI | $7,700 $128.33/mo | $12,850 $214.16/mo | $160.42/mo | $8,400 | 3.0% | 3.0% | 2.7% | 3.7% | 1.0% | 1.0% | 0.9% | 1.2% |
| 04/01/2013 | §104(b) 3-year CPI | $7,475 $124.58/mo | $12,475 $207.92/mo | $156.25/mo | $8,100 | 6.4% | 6.4% | 5.6% | 8.0% | 2.1% | 2.1% | 1.8% | 2.6% |
| 04/01/2010 | §104(b) 3-year CPI | $7,025 $117.08/mo | $11,725 $195.42/mo | $147.92/mo | $7,500 | 6.8% | 7.1% | 7.6% | 8.7% | 2.2% | 2.3% | 2.5% | 2.8% |
| 04/01/2007 | §104(b) 3-year CPI | $6,575 $109.58/mo | $10,950 $182.50/mo | $137.50/mo | $6,900 | 9.6% | 9.5% | 10.0% | 9.5% | 6.6% | 6.5% | 6.9% | 6.5% |
| 10/17/2005 | Original BAPCPA | $6,000 $100.00/mo | $10,000 $166.67/mo | $125.00/mo | $6,300 | - | - | - | - | - | - | - | - |