Ending Administrative Garnishment Act of 2025

# Ending Administrative Garnishment Act of 2025 - Summary **What the Bill Would Do:** This bill would restrict the federal government's ability to garnish (withhold) wages and bank accounts from people who owe money to federal agencies. Currently, federal agencies can use administrative garnishment—a process that doesn't require a court order—to collect debts like unpaid student loans, taxes, or overpayments of federal benefits. The bill would require agencies to provide stronger notice to people before taking their money and would likely limit when and how they can do so. **Who It Affects:** The bill primarily affects Americans who owe money to the federal government.

This includes borrowers with federal student loans in default, people who owe back taxes, those who received overpayments in Social Security or unemployment benefits, and others with federal debts. Consumer advocates argue that administrative garnishment can create financial hardship, while federal agencies rely on it as an enforcement tool to recover debts. **Current Status:** The bill is currently in committee, meaning it has been introduced but has not yet been debated or voted on by the full House of Representatives. It was sponsored by Representative Ayanna Pressley (D-MA).