In 2005, President Bush signed landmark bankruptcy reform legislation, the "Bankruptcy Abuse Prevention and Consumer Protection Act: (BAPCPA) P.L. 109-8, containing provisions that unfairly increases the liability and administrative burdens of bankruptcy attorneys while denying effective legal representation to many Americans. These ABA-opposed provisions require debtors' attorneys to (1) certify the accuracy of the debtor's bankruptcy schedules of assets and liabilities, under penalty of harsh court sanctions; (2) certify the debtor's ability to make future payments under reaffirmation agreements; and (3) identify and advertise themselves as "debt relief agencies" subject to a host of new intrusive regulations. In addition to these bankruptcy attorney liability provisions, BAPCPA also contains several ABA-supported provisions that (1) streamline the bankruptcy appellate system by allowing direct appeals of final bankruptcy court orders to the existing courts of appeals in many cases and (2) permit bankruptcy attorneys to pay referral fees to nonprofit attorney referral programs. BAPCPA law became effective on October 17, 2005.