The panelists discuss the findings and recommendations of the ABI Commission on Consumer Bankruptcy, focusing on areas of great interest to the Commission within the broad categories addressed in the Final Report of the Commission: (1) Effectuating the Fresh Start; (2) Providing Creditor Certainty and Reducing Costs; (3) Facilitating Effective Access to Bankruptcy; (4) Making Chapter 13 Work for All Stakeholders; and (5) Systems Issues.