During April, May and June, there were 467,333 consumer and business bankruptcy filings, an 11% increase over one-year ago driven by new bankruptcy laws. The "Bankruptcy Abuse Prevention and Consumer Protection Act of 2005," became law on April 20th, although many of its provisions will take effect on October 17th. Year-to-date consumer and business bankruptcy filings were up slightly to 1,637,254. Consumer bankruptcy filings continue to stay above the 1.5 million annual level, following a record of 1.66 million filed for the year ending September 30, 2003. According to the Administrative Office of the U.S. Courts, a record number of filings took place in the quarter ending June 30, 2003, when 440,257 filings were made. During the 12-month period ending June 30, 2005, Americans filed 1,196,212 Chapter 7 petitions, and 443,945 Chapter 13 petitions.