To amend the Federal Election Campaign Act of 1971 to prohibit an authorized committee of a winning candidate for election for Federal office which received a personal loan from the candidate from making any repayment on the loan after the date on which the candidate begins serving in such office.

Amends the Federal Election Campaign Act of 1971, as amended by the Bipartisan Campaign Finance Reform Act of 2002, to prohibit an authorized committee of a winning candidate for an election for Federal office occurring after December 2003, which received a personal loan from the candidate, from making any repayment with respect to such loan on or after the date on which the candidate begins serving in the office.