This bill proposes to amend title II of the Social Security Act, establishing a new limit on the amount that can be withheld from an individual's monthly benefit to recover overpayments. The primary change is that the Commissioner of Social Security may not decrease a monthly benefit by more than 10 percent of the amount payable. This 10 percent withholding limit applies specifically when the Commissioner does not believe the overpayment was due to fraud or similar fault on the part of the individual. However, an individual can request a higher recovery rate if they choose. These amendments will take effect upon enactment and apply to all outstanding overpayments under title II of the Social Security Act on or after that date.