,,ii #aac? ,,congress #a/ ,session ,s4 #agb ,,9 ,,! ,,s5ate ,,( ,,! ,,unit$ ,,/ates ,janu>y #bi1 #bjac ,mr4 ,m]kley 7= himself1 ,mr4 ,udall ( ,new ,mexico1 ,mr4 ,durb91 & ,mr4 ,blum5?al7 introduc$ ! foll[+ bill2 :i* 0 read twice & ref]r$ to ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ,a ,,bill ,to am5d ! ,tru? 9 ,l5d+ ,act to address c]ta9 issues relat$ to ! ext5sion ( consum] cr$it1 & = o!r purposes4 #a4 ,%ort title ,?is ,act may be cit$ z ! ,/opp+ ,abuse & ,fraud 9 ,electronic ,l5d+ ,act ( #bjac or ! ,,safe ,l5d+ ,act ( #bjac4 #b4 ,consum] control ov] bank acc\nts 7a7 ,prohibit+ unau?oriz$ remotely creat$ *ecks ,section #ije ( ! ,electronic ,fund ,transf] ,act 7#ae ,u4,s4,c4 #afic;c7 is am5d$ by add+ at ! end ! foll[+3 7d7 ,limitations on remotely creat$ *ecks 7#a7 ,9 g5]al ,subject to ! limitations set =? "u p>agraph 7#b7 & any additional limitations t ! ,bureau may e/abli%1 by rule1 a remotely creat$ *eck may only be issu$ by a p]son designat$ 9 writ+ by ! consum]1 su* designation specifically provid$ 9 writ+ by ! consum] to ! insur$ depository in/itution at :i* ! consum] ma9ta9s ! acc\nt f :i* ! *eck is to be drawn4 7#b7 ,additional limitations 7,a7 ,9 g5]al ,an au?orization provid$ "u p>agraph 7#a7 may be revok$ at any "t by ! consum]4 7,b7 ,consum] f9ancial protection laws ,no paym5t ord]1 includ+ a remotely creat$ *eck1 may be issu$ by any p]son 9 response to ! ex]cise (1 or attempt to ex]cise1 any rights by a consum] "u any ,f$]al consum] f9ancial law 7z def9$ 9 section #ajjb7ad7 ( ! ,consum] ,f9ancial ,protection ,act ( #bjaj 7#ab ,u4,s4,c4 #edha7ad777 or any o!r provision ( any law or regulation )9 ! jurisdiction ( ! ,bureau4 7#c7 ,remotely creat$ *eck def9$ ,= purposes ( ?is subsection1 ! t]m remotely creat$ *eck means a *eck 7includ+ pap] & electronic *ecks & any o!r paym5t ord] t ! ,bureau1 by rule1 det]m9es is appropriately cov]$ by ?is subsection7 t-- 7,a7 is n creat$ by ! f9ancial in/itution t holds ! cu/om] acc\nt f :i* ! *eck is to be paid2 & 7,b7 does n be> a signature appli$1 or purport$ to be appli$1 by ! p]son f ^: acc\nt ! *eck is to be paid4 4 7b7 ,consum] ,protections = ,c]ta9 ,"o-,"t ,electronic ,fund ,transf]s ,section #iac ( ! ,electronic ,fund ,transf] ,act 7#ae ,u4,s4,c4 #afick7 is am5d$-- 7#a7 by ins]t+ 7a7 ,9 g5]al4-- be=e ,no p]son2 7#b7 /rik+ preau?oriz$ electronic fund transf]s & ins]t+ an electronic fund transf]2 & 7#c7 by add+ at ! end ! foll[+3 7b7 ,treatm5t = electronic fund transf]s 9 cr$it ext5sions ,if a consum] volunt>ily agrees to repay an ext5sion ( small-doll> consum] cr$it transaction 7z def9$ 9 section #aaj7;b7 ( ! ,tru? 9 ,l5d+ ,act7 by means ( an electronic fund transf]1 su* electronic fund transf] %all be treat$ z a preau?oriz$ electronic fund transf] subject to ! protections ( ?is title4 4 #c4 ,consi/5t application ( law = small-doll> l5d+ 7a7 ,consi/5t application ( ,/ate law = small-,doll> l5d+ ,! ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afja et seq47 is am5d$ by ins]t+ aft] section #aji ! foll[+3 #aaj4 ,consi/5t application ( law = small-doll> l5d+ 7a7 ,9 g5]al ,not)/&+ any o!r provision ( law1 & except to ! ext5t t ,f$]al or applicable tribal law af=ds great] protection to ! consum]1 any small-doll> consum] cr$it transaction made ov] ! ,int]net1 telephone1 facsimile1 mail1 electronic mail1 or o!r electronic communication1 & any small-doll> consum] cr$it transaction conduct$ by a national bank %all comply ) ! laws ( ! ,/ate 9 :i* ! consum] resides ) respect to annual p]c5tage rates1 int]e/1 fees1 *>ges1 & su* o!r simil> or relat$ matt]s z ! ,bureau may1 by rule1 det]m9e4 7b7 ,def9itions ,z us$ 9 ?is section1 ! t]m small-doll> consum] cr$it transaction means any transaction t ext5ds1 facilitates1 brok]s1 arranges1 or ga!rs applications = cr$it t is-- 7#a7 made to a consum] 9 an am\nt ( n m ?an #e1jjj1 or su* great] am\nt z ! ,bureau may1 by rule1 det]m9e1 su* am\nt to be adju/$ annually to reflect *anges 9 ! ,consum] ,price ,index = all urban consum]s publi%$ by ! ,dep>tm5t ( ,labor2 & 7#b7 ext5d$ pursuant to an agreem5t t is-- 7,a7 o!r ?an an op5-end cr$it plan & is payable 9 "o or m in/allm5ts ( less ?an #ab mon?s 7or su* long] p]iod z ! ,bureau may1 by rule1 det]m9e72 7,b7 an op5-end cr$it plan 9 :i* ea* advance is fully repayable )9 a def9$ "t or 9 connection ) a def9$ ev5t1 or bo?2 or 7,c7 su* o!r plan z ! ,bureau det]m9es1 by rule4 4 7b7 ,en=cem5t ,section #acj ( ! ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afdj7 is am5d$ by ins]t+ section #aaj1 be=e or *apt] #d4 #d4 ,re/rictions on lead g5]ation 9 small-doll> consum] cr$it transactions ,! ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afja et seq47 is am5d$ by add+ at ! end ! foll[+3 #adj;,b4 ,re/rictions on lead g5]ation 9 small-doll> consum] cr$it transactions 7a7 ,id5tification in=mation ,any p]son facilitat+1 brok]+1 arrang+1 ga!r+ applications =1 or di/ribut+ s5sitive p]sonal f9ancial in=mation 9 connection ) small-doll> consum] cr$it transactions %all prom95tly disclose in=mation by :i* !y may be contact$ or id5tifi$1 includ+ = s]vice ( process & = id5tification ( ! regi/rant ( any doma9 "n regi/]$ or us$4 7b7 ,prohibition on lead g5]ation 9 small-,doll> consum] cr$it transactions ,no p]son may facilitate1 brok]1 arrange1 ga!r applications =1 or di/ribute s5sitive p]sonal f9ancial in=mation 9 connection ) small-doll> consum] cr$it transactions1 unless ! p]son is directly provid+ ! small-doll> consum] cr$it to ! consum]4 7c7 ,def9itions ,= purposes ( ?is section-- 7#a7 ! t]m s5sitive p]sonal f9ancial in=mation means ! consum]'s ,social ,security numb]1 f9ancial acc\nt numb]1 bank r\t+ numb]1 bank acc\nt numb]1 or any requir$ security or access code t is imm$iately necess>y to p]mit access to an individual's f9ancial acc\nt2 & 7#b7 ! t]m small-doll> consum] cr$it transaction has ! same mean+ z 9 section #aaj7;b74 7d7 ,rule ( con/ruction 7#a7 ,9 g5]al ,no?+ 9 ?is section may be int]pret$ to limit ! au?ority ( ! ,bureau to fur!r re/rict activities cov]$ by ?is section4 7#b7 ,cl>ification ,x %all n be consid]$ facilitat+ 9 connection ) small-doll> consum] cr$it transactions to be engag$ solely 9 "o ( ! foll[+ activities3 7,a7 ,! provision ( a telecommunications s]vice1 or ( an ,int]net access s]vice or ,int]net in=mation location tool 7z ^? t]ms are def9$ 9 section #bca ( ! ,communications ,act ( #aicd 7#dg ,u4,s4,c4 #bca774 7,b7 ,! transmission1 /orage1 retrieval1 ho/+1 =matt+1 or translation 7or any comb9ation !re(7 ( a communication1 )\t selection or alt]ation ( ! cont5t ( ! communication1 except t deletion ( a p>ticul> communication or mat]ial made by ano!r p]son 9 a mann] consi/5t ) section #bcj7;c7 ( ! ,communications ,act ( #aicd 7#dg ,u4,s4,c4 #bcj7;c774 4 #e4 ,enhanc$ en=cem5t au?ority aga9/ c]ta9 ,int]net l5d+ ,! ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afja et seq47 is am5d$ by ins]t+ aft] section #ajh ! foll[+3 #ajh;,a4 ,enhanc$ en=cem5t au?ority relat+ to consum] f9ancial activities by c]ta9 ,int]net sites 7a7 ,def9itions ,9 ?is section1 ! foll[+ def9itions %all apply3 7#a7 ,compla9ant ,! t]m compla9ant means a ,/ate attorney g5]al or ,/ate or tribal ag5cy ) en=cem5t au?ority ov] prohibit$ activity :o files a compla9t ) ! ,bureau "u subsection 7d74 7#b7 ,cov]$ on%ore p]son ,! t]m cov]$ on%ore p]son means a ,/ate gov]nm5t or an ,indian tribe4 7#c7 ,f$]al consum] f9ancial law ,! t]m ,f$]al consum] f9ancial law has ! same mean+ z 9 section #ajjb ( ! ,consum] ,f9ancial ,protection ,act ( #bjaj 7#ab ,u4,s4,c4 #edha74 7#d7 ,f9ancial transaction provid] 7,a7 ,9 g5]al ,except z provid$ 9 subp>agraph 7,b71 ! t]m f9ancial transaction provid] has ! same mean+ z 9 section #ecfb7d7 ( title #ca1 ,unit$ ,/ates ,code4 7,b7 ,exception ,! t]m f9ancial transaction provid] does n include an ,int]net s]vice plat=m or an affiliate ( an ,int]net s]vice plat=m4 7#e7 ,indian tribe ,! t]m ,indian tribe has ! same mean+ z 9 section #d ( ! ,indian ,self-,det]m9ation & ,education ,assi/ance ,act 7#be ,u4,s4,c4 #dej;b74 7#f7 ,int]net s]vice plat=m ,! t]m ,int]net s]vice plat=m means an int]active digital s]vice ! provid] ( :i*-- 7,a7 does n act m]ely z a paym5t int]m$i>y betwe5 a us] & a suppli] ( goods or s]vices2 & 7,b7 provides additional s]vices to facilitate int]action betwe5 us]s unrelat$ to pur*ases f suppli]s ( goods & s]vices4 7#g7 ,int]net site ,! t]m ,int]net site means ! collection ( digital assets1 includ+ l9ks1 indexes1 or po9t]s to digital assets1 accessible ?r\gh ! ,int]net t are address$ relative to a common doma9 "n4 7#h7 ,cov]$ (f%ore p]son 7,a7 ,9 g5]al ,! t]m cov]$ (f%ore p]son means a p]son 7& if su* p]son is n kn[n1 ! ,int]net site or o!r electronic repres5tation ( su* p]son su* z a telephone numb]1 text message s]vice1 or mobile application7 t-- 7i7 conducts bus9ess direct$ to resid5ts ( ! ,unit$ ,/ates2 7ii7 does n h a doma9 "n t is regi/]$ or assign$ by a doma9 "n regi/r>1 doma9 "n regi/ry1 or o!r doma9 "n regi/ration au?ority t is locat$ )9 a judicial di/rict ( ! ,unit$ ,/ates2 & 7iii7 is n op]at$ by an entity t is locat$ )9 a judicial di/rict ( ! ,unit$ ,/ates4 7,b7 ,bus9ess direct$ to resid5ts ( ! ,unit$ ,/ates ,= purposes ( mak+ a det]m9ation "u subp>agraph 7,a77i71 ! ,bureau may consid]1 among o!r indicators1 :e!r-- 7i7 ! p]son ext5ds1 facilitates1 brok]s1 arranges1 or ga!rs applications = cr$it to p]sons locat$ 9 ! ,unit$ ,/ates2 7ii7 ! p]son has reasonable measures 9 place to prev5t its s]vices f be+ access$ f or deliv]$ to ! ,unit$ ,/ates2 & 7iii7 any prices = goods & s]vices provid$ are indicat$ 9 ! curr5cy ( ! ,unit$ ,/ates4 7#i7 ,op]ator ,! t]m op]ator1 :5 us$ 9 connection ) an ,int]net site1 includes any p]son ) au?ority to op]ate ! ,int]net site4 7#aj7 ,own] ,! t]m own]1 :5 us$ 9 connection ) an ,int]net site1 includes any own] ( a majority int]e/ 9 ! ,int]net site4 7#aa7 ,/ate consum] f9ancial law ,! t]m ,/ate consum] f9ancial law means a provision ( ,/ate law t ei!r con/itutes a ,/ate consum] f9ancial law z t t]m is def9$ 9 section #eacf;,c ( title ,,lxii ( ! ,revis$ ,/atutes ( ! ,unit$ ,/ates 7#ab ,u4,s4,c4 #ba et seq471 or prohibits unfair or deceptive acts or practices4 7b7 ,applicability ( section ,x %all be a violation ( ?is section-- 7#a7 = a cov]$ (f%ore p]son to violate an applicable ,f$]al1 ,/ate1 or tribal consum] f9ancial law2 & 7#b7 = a cov]$ on%ore p]son to violate an applicable ,f$]al1 ,/ate1 or tribal consum] f9ancial law4 7c7 ,inve/igation ( violations by ,bureau 7#a7 ,9 g5]al ,! ,bureau-- 7,a7 may inve/igate any alleg$ violation ( subsection 7b7 on its own initiative2 & 7,b7 %all-- 7i7 review any alleg$ violation ( subsection 7b7 ^u receiv+ a compla9t fil$ "u subsection 7d72 & 7ii7 adjudicate & o!rwise inve/igate & respond to su* compla9t1 z appropriate4 7#b7 ,consultations ,9 tak+ action "u p>agraph 7#a71 ! ,bureau %all1 z ! ,bureau det]m9es appropriate1 consult ) & seek advice & in=mation f ! ,attorney ,g5]al ( ! ,unit$ ,/ates1 ! ,f$]al ,trade ,commission1 ! ,int]national ,trade ,commission1 ! ,bureau ( ,indian ,affairs 79 ! case ( matt]s involv+ an ,indian tribe71 f$]ally recogniz$ ,indian tribes 79 ! case ( rulemak+s involv+ ,indian tribes71 & su* o!r ag5cies & (ficials z ! ,bureau consid]s appropriate4 7#c7 ,limitation on inve/igations ( doma9 names2 cons5t to jurisdiction ,subject to su* limitations z ! ,bureau may1 by rule1 det]m9e1 ! ,bureau %all t]m9ate1 or n initiate1 an inve/igation or adjudication "u p>agraph 7#a7 ) respect to a p]son or a doma9 "n-- 7,a7 if a p]son or ! op]ator ( ! ,int]net site associat$ ) ! doma9 "n provides 9 a legal notice on ! site accurate in=mation consi/+ (-- 7i7 ! "n ( an individual au?oriz$ to receive process on behalf ( ! site2 7ii7 an address at :i* process may be s]v$2 7iii7 a telephone numb] at :i* ! individual describ$ 9 clause 7i7 may be contact$2 & 7iv7 a /atem5t t ! op]ator ( ! site cons5ts to ! jurisdiction & v5ue ( ! ,unit$ ,/ates di/rict c\rts ) respect to a violation ( ,/ate consum] l5d+ laws2 7,b7 provid$ t1 9 ! ev5t ( ! fil+ ( any civil action 9 ! appropriate ,unit$ ,/ates di/rict c\rt = a violation ( ,/ate or tribal consum] l5d+ laws1 ! op]ator ( ! ,int]net site accepts s]vice & waives1 9 a timely mann]1 any objections to jurisdiction1 z set =? 9 ! /atem5t describ$ 9 subp>agraph 7,a77iv72 & 7,c7 provid$ t1 any limitations on inve/igations "u ?is subsection %all n apply if-- 7i7 any ( ! in=mation provid$ by ! op]ator is inaccurate 9 any way2 or 7ii7 at any po9t1 ! relevant p>ty fails to respond to or abide by any ord] or reque/ ( ! relevant c\rt4 7#d7 ,rule ( con/ruction ,x %all n be consid]$ a violation ( ?is section to be engag$ solely 9 "o ( ! foll[+ activities3 7,a7 ,! provision ( a telecommunications s]vice1 or ( an ,int]net access s]vice or ,int]net in=mation location tool 7z ^? t]ms are def9$ 9 section #bca ( ! ,communications ,act ( #aicd 7#dg ,u4,s4,c4 #bca774 7,b7 ,! transmission1 /orage1 retrieval1 ho/+1 =matt+1 or translation 7or any comb9ation !re(7 ( a communication1 )\t selection or alt]ation ( ! cont5t ( ! communication1 except t deletion ( a p>ticul> communication or mat]ial made by ano!r p]son 9 a mann] consi/5t ) section #bcj7;c7 ( ! ,communications ,act ( #aicd 7#dg ,u4,s4,c4 #bcj7;c774 7d7 ,compla9ts 7#a7 ,9 g5]al ,a compla9t alleg+1 "u oa?1 t a cov]$ on%ore p]son or a cov]$ (f%ore p]son is 9 violation ( subsection 7b7 may be fil$ ) ! ,bureau4 7#b7 ,notice 7,a7 ,9 g5]al ,^u fil+ a compla9t "u p>agraph 7#a71 if ! id5tity ( ! cov]$ (f%ore p]son is n kn[n1 b ! ,int]net site or o!r electronic repres5tation is1 ! compla9ant %all s5d a notice ( ! violation alleg$ 9 ! compla9t to ! regi/rant ( ! doma9 "n ( ! ,int]net site 7or relevant op]ator ( ! electronic repres5tation7 alleg$ to be op]at$ or ma9ta9$ 9 violation ( subsection 7b7-- 7i7 at ! po/al & e-mail addresses appe>+ 9 ! applicable publicly accessible database ( regi/rations1 if any1 to ! ext5t su* addresses are reasonably available2 7ii7 via ! po/al & e-mail addresses ( ! regi/r>1 regi/ry1 or o!r doma9 "n regi/ration au?ority t regi/]$ or assign$ ! doma9 "n1 to ! ext5t su* addresses are reasonably available2 & 7iii7 9 any o!r su* =m z ! ,bureau f9ds necess>y4 7,b7 ,rule ( con/ruction ,= purposes ( ?is subsection1 ! actions describ$ 9 ?is p>agraph %all con/itute s]vice ( process4 7#c7 ,id5tification (1 & notice to1 entities t may be requir$ to take action pursuant to ?is section 7,a7 ,id5tification ,a compla9t fil$ "u p>agraph 7#a7 %all id5tify any f9ancial transaction provid] t may be requir$ to take measures describ$ 9 subsection 7g77#b7 if ! ,bureau issues an ord] "u subsection 7f7 ) respect to ! compla9t & ! ord] is s]v$ on ! provid] or s]vice pursuant to subsection 7g77#a74 7,b7 ,notice ,^u fil+ a compla9t "u p>agraph 7#a71 ! compla9ant %all provide notice to any f9ancial transaction provid] id5tifi$ 9 ! compla9t pursuant to subp>agraph 7,a7 or any am5dm5ts to ! compla9t4 7,c7 ,int]v5tion 7i7 ,9 g5]al ,a f9ancial transaction provid] or id5tifi$ 9 a compla9t pursuant to subp>agraph 7,a7 may int]v5e ^u timely reque/ fil$ ) ! ,bureau 9-- 7,i7 an inve/igation initiat$ "u subsection 7c7 pursuant to ! compla9t2 or 7,,ii7 pursuant to subsection 7f77#c71 an action to modify1 susp5d1 or vacate an ord] issu$ pursuant to ! compla9t4 7ii7 ,rule ( con/ruction ,failure to int]v5e "u clause 7i7 9 an inve/igation "u subsection 7c7 does n preclude a f9ancial transaction provid] notifi$ ( ! inve/igation f subsequ5tly seek+ an ord] to modify1 susp5d1 or vacate an ord] issu$ by ! ,bureau "u subsection 7f74 7e7 ,det]m9ations 7#a7 ,9 g5]al ,! ,bureau %all det]m9e1 ) respect to ea* inve/igation initiat$ "u subsection 7c71 :e!r ! respective cov]$ on%ore p]son or cov]$ (f%ore p]son "u inve/igation is 9 violation ( subsection 7b74 7#b7 ,effective date ,a det]m9ation made "u p>agraph 7#a7 %all take effect on ! date on :i* ! ,bureau publi%es ! det]m9ation 9 ! ,f$]al ,regi/]4 7#c7 ,electronic submission ( in=mation & proce$+s ,! ,bureau may1 9 mak+ any det]m9ation "u ?is section-- 7,a7 all[ ! submission ( in=mation electronically2 & 7,b7 hold he>+s electronically or obta9 te/imony or o!r in=mation electronically or by su* means z ! ,bureau det]m9es all[s p>ticipation 9 proce$+s "u ?is section at z l[ a co/ z possible to p>ticipants 9 ! proce$+s4 7f7 ,cease & desi/ ord]s 7#a7 ,9 g5]al ,if ! ,bureau det]m9es "u subsection 7e7 t ! cov]$ on%ore p]son or cov]$ (f%ore p]son is 9 violation ( subsection 7b71 9 addition to any actions :i* ! ,bureau c\ld o!rwise take1 ! ,bureau may-- 7,a7 issue an ord] to cease & desi/ f violation ( subsection 7b7 to ! cov]$ on%ore p]son or cov]$ (f%ore p]son 7& if ! id5tity ( ! cov]$ (f%ore p]son is n kn[n1 to ! relevant ,int]net site & to ! own] & ! op]ator ( ! ,int]net site or relevant electronic repres5tation72 & 7,b7 cause ! ord] to be s]v$ on ! relevant p]son4 7#b7 ,tempor>y & prelim9>y cease & desi/ ord]s 7,a7 ,petition by compla9ant ,a compla9ant may file ) ! ,bureau a petition1 9 accordance ) ?is p>agraph1 = ! issuance ( a tempor>y or prelim9>y ord]4 7,b7 ,issuance ( ord] ,if1 ^u receiv+ a petition "u subp>agraph 7,a7 & aft] provid+ an opportunity to be he>d "u subp>agraph 7,c71 ! ,bureau det]m9es t ! cov]$ on%ore p]son or cov]$ (f%ore p]son is 9 violation ( subsection 7b71 9 addition to any actions :i* ! ,director c\ld o!rwise take1 ! ,bureau may issue a tempor>y or prelim9>y cease & desi/ ord] aga9/1 & cause ! ord] to be s]v$ on ! relevant p]son pursuant to p>agraph 7#a74 7,c7 ,opportunity to be he>d 7i7 ,9 g5]al ,be=e issu+ a tempor>y or prelim9>y cease & desi/ ord] "u ?is p>agraph1 ! ,bureau %all provide to any p]son 7includ+ any applicable ,int]net site or electronic repres5tation & ! own] & ! op]ator ( su* ,int]net site or electronic repres5tation7 alleg$ to be 9 violation ( subsection 7b7 an opportunity to be he>d & to submit relevant in=mation to ! ,bureau4 7ii7 ,electronic submission ( in=mation & proce$+s ,! ,bureau may provide an opportunity to be he>d & to submit in=mation "u clause 7i7 electronically or 9 su* o!r mann] z ! ,bureau det]m9es appropriate4 7,d7 ,/&>d = relief ,if ! ,bureau issues a tempor>y or prelim9>y cease & desi/ ord] "u ?is p>agraph1 ! ord] %all be issu$ 9 a mann] consi/5t ) ! provisions ( rule #fe ( ! ,f$]al ,rules ( ,civil ,proc$ure1 or any successor !reto1 relat+ to prelim9>y injunctions & tempor>y re/ra9+ ord]s4 7,e7 ,proc$ures = tempor>y cease & desi/ ord] 7i7 ,exp$it$ consid]ation ,^u a %[+ ( extraord9>y circum/ances by ! compla9ant fil+ a petition = a tempor>y cease & desi/ ord] "u subp>agraph 7,a71 ! ,bureau may make a det]m9ation ) respect to ! petition on an exp$it$ basis4 7ii7 ,expiration ( ord] 7,i7 ,9 g5]al ,except z provid$ 9 subclause 7,,ii71 a tempor>y cease & desi/ ord] issu$ "u ?is p>agraph %all expire at a "t det]m9$ by ! ,bureau t is n lat] ?an #ad days aft] ! issuance ( ! ord]4 7,,ii7 ,ext5sion ( ord] ,! ,bureau may ext5d a tempor>y cease & desi/ ord] issu$ "u ?is p>agraph = additional p]iods ( n m ?an #ad days = good cause or ) ! cons5t ( ! entity aga9/ :i* ! ord] is issu$4 7,f7 ,proc$ures = prelim9>y cease & desi/ ord] 7i7 ,9 g5]al ,except z provid$ 9 clause 7ii71 ! ,bureau %all make a det]m9ation ) respect to a petition = a prelim9>y cease & desi/ ord] n lat] ?an #cj days aft] ! ,bureau publi%es notice ( ! initiation ( an inve/igation "u subsection 7c7 9 ! ,f$]al ,regi/]4 7ii7 ,ext5sions ( "t = det]m9ation ,! ,bureau may ext5d ! date by :i* ! ,bureau is requir$ to make a det]m9ation "u clause 7i7 ) respect to a petition = a prelim9>y cease & desi/ ord] = an additional #cj days1 if ! ,bureau-- 7,i7 det]m9es t ! petition pres5ts a m complicat$ case2 & 7,,ii7 publi%es 9 ! ,f$]al ,regi/] an explanation ( :y ! ,bureau det]m9$ t ! case is m complicat$ "u subclause 7,i74 7#c7 ,modification or revocation ( ord]s 7,a7 ,9 g5]al ,at any "t aft] ! issuance ( an ord] "u ?is subsection1 a motion to modify1 susp5d1 or vacate ! ord] may be fil$ by-- 7i7 any cov]$ on%ore p]son or cov]$ (f%ore p]son b\nd by ! ord]2 7ii7 ! own] or op]ator ( any ,int]net site or electronic repres5tation subject to ! ord]2 7iii7 any doma9 "n regi/r> or regi/ry t has regi/]$ or assign$ ! doma9 "n ( ! ,int]net site subject to ! ord]2 or 7iv7 a f9ancial transaction provid] on :i* a copy ( an ord] has be5 s]v$ pursuant to p>agraph 7#a7 ( subsection 7g7 requir+ ! provid] or s]vice to take action describ$ 9 p>agraph 7#b7 ( t subsection4 7,b7 ,relief ,! ,bureau %all modify1 susp5d1 or vacate an ord]1 z appropriate1 if ! ,bureau det]m9es t-- 7i7 ! subject to ! ord] is no long]1 or nev] 0 9 violation ( subsection 7b72 or 7ii7 ! int]e/s ( ju/ice require t ! ord] be modifi$1 susp5d$1 or vacat$4 7,c7 ,consid]ation ,9 mak+ a det]m9ation "u subp>agraph 7,b71 ! ,bureau may consid] :e!r any doma9 "n ( an ,int]net site 7or ! relevant electronic repres5tation7 subject to ! ord] has expir$ or has be5 re-regi/]$ by a diff]5t entity4 7#d7 ,am5dm5t ( ord]s ,a compla9ant may petition ! ,bureau to am5d an ord] issu$ "u ?is subsection if any relevant an ,int]net site or electronic repres5tation det]m9$ "u subsection 7e7 to be 9 violation ( subsection 7b7 is accessible or has be5 recon/itut$ at a diff]5t doma9 "n4 7#e7 ,opportunity to be he>d = c]ta9 entities ,be=e ! ,bureau issues an ord] "u ?is subsection or modifies1 susp5ds1 vacates1 or am5ds su* an ord] "u p>agraph 7#c7 or 7#d71 a f9ancial transaction provid] t int]v5$ pursuant to subsection 7d77#c7 9 an inve/igation or action relat+ to ! ord] %all h an opportunity to be he>d be=e ! ,bureau ) respect to :e!r ! ,bureau %\ld issue ! ord] & ! scope ( relief available "u ! ord] or :e!r ! ,bureau %\ld modify1 susp5d1 vacate1 or am5d ! ord]1 z ! case may be4 7#f7 ,expiration ( ord]s ) respect to int]net site ,an ord] issu$ "u ?is subsection aga9/ an ,int]net site 7or relevant electronic repres5tation7 %all cease to h any =ce or effect ^u expiration ( ! regi/ration ( ! doma9 "n ( ! ,int]net site 7or relevant electronic repres5tation74 7g7 ,requir$ actions bas$ on bureau ord]s 7#a7 ,9 g5]al ,if ! ,bureau reasonably believes t a f9ancial transaction provid] id5tifi$ 9 a compla9t pursuant to subsection 7d77#c71 or any am5dm5t to ! compla9t1 supplies s]vices to ! cov]$ on%ore p]son or cov]$ (f%ore p]son subject to ! ord] issu$ "u subsection 7f7 ) respect to ! compla9t-- 7,a7 ! ,bureau may give p]mission to ! compla9ant to s]ve a copy ( ! ord] on ! f9ancial transaction provid]2 7,b7 if ! ,bureau gives p]mission to ! compla9ant "u subp>agraph 7,a71 ! compla9ant %all file pro( ( s]vice ) ! ,bureau2 & 7,c7 ^u receiv+ a copy ( ! ord] pursuant to subp>agraph 7,a71 ! f9ancial transaction provid] %all implem5t ! measures describ$ 9 p>agraph 7#b74 7#b7 ,measures to be implem5t$ by f9ancial transaction provid]s 7,a7 ,9 g5]al ,subject to subp>agraph 7,b71 a f9ancial transaction provid] %all1 z exp$iti\sly z is reasonable1 take reasonable & te*nically feasible measures1 z exp$iti\sly z reasonable1 design$ to prev5t or prohibit ! completion ( paym5t transactions by ! provid] t involve cu/om]s locat$ 9 ! ,unit$ ,/ates & ! cov]$ on%ore p]son or cov]$ (f%ore p]son 7includ+ ! relevant ,int]net site or electronic repres5tation7 subject to ! ord] issu$ "u subsection 7f74 7,b7 ,limitations on measures ,a f9ancial transaction provid] may n be requir$ pursuant to subp>agraph 7,a7-- 7i7 to implem5t measures t are n comm]cially reasonable2 7ii7 to modify s]vices or facilities ( ! provid] to comply ) ! ord] issu$ "u subsection 7f72 or 7iii7 to prev5t or prohibit ! completion ( a paym5t transaction if ! provid] c\ld n reasonably det]m9e 9 advance :e!r ! entity 0 us+ ! ,int]net site subject to ! ord]4 7#c7 ,communication ) us]s ,a f9ancial transaction provid] requir$ to implem5t measures describ$ 9 p>agraph 7#b7 %all det]m9e h[ to communicate ) ! us]s or cu/om]s ( ! provid] or s]vice1 z ! case may be1 ) respect to ^? measures4 7#d7 ,rules ( con/ruction 7,a7 ,limitation on obligations ,a f9ancial transaction provid] requir$ to implem5t measures describ$ 9 p>agraph 7#b7 %all n be requir$ to take measures or actions 9 addition to ! measures describ$ 9 p>agraph 7#b7 pursuant to ?is section or an ord] issu$ "u ?is section4 7,b7 ,mann] ( compliance ,a f9ancial transaction provid] requir$ to implem5t measures describ$ 9 p>agraph 7#b7 %all be 9 compliance ) ?is subsection if ! provid] implem5ts ! measures describ$ 9 t p>agraph ) respect to acc\nts ( ! provid]1 z ( ! date on :i* a copy ( an ord] is s]v$ "u p>agraph 7#a7 or1 if applicable1 ! date on :i* ! ord] is modifi$ or am5d$ "u p>agraph 7#c7 or 7#d7 ( subsection 7f74 7#e7 ,actions pursuant to bureau ord] 7,a7 ,immunity f civil actions ,no cause ( action %all lie 9 any c\rt aga9/ a f9ancial transaction provid] on :i* a copy ( an ord] is s]v$ "u p>agraph 7#a71 or aga9/ any director1 (fic]1 employee1 or ag5t !re(1 o!r ?an 9 an action pursuant to subsection 7h71 =-- 7i7 any act reasonably design$ to comply ) ?is subsection or reasonably aris+ f ! ord]2 or 7ii7 any act1 failure1 or inability to meet ! obligations "u ?is subsection ( ! provid] or s]vice if ! provid] or s]vice1 z ! case may be1 makes a good fai? ef=t to comply ) su* obligations4 7,b7 ,immunity f liability ,a f9ancial transaction provid] on :i* a copy ( an ord] is s]v$ "u p>agraph 7#a71 & any director1 (fic]1 employee1 or ag5t !re(1 %all n be liable to any p]son = any acts reasonably design$ to comply ) ?is subsection or reasonably aris+ f ! ord]1 o!r ?an 9 an action pursuant to subsection 7h74 7,c7 ,immunity f actions ( ?ird p>ties ,an action tak5 by a ?ird p>ty to circumv5t any measures implem5t$ pursuant to an ord] s]v$ on a f9ancial transaction provid] "u p>agraph 7#a7 may n be us$ by any p]son 9 any claim or cause ( action aga9/ ! provid] or s]vice1 z ! case may be1 o!r ?an 9 an action pursuant to subsection 7h74 7h7 ,en=cem5t ( ord]s 7#a7 ,9 g5]al ,9 ord] to compel compliance ) ?is section1 ! ,bureau & any ,/ate attorney g5]al 7or o!r appropriate ,/ate or tribal entity7 hav+ en=cem5t au?ority ov] prohibit$ activity may br+ an action = injunctive relief aga9/ any p]son subject to an ord] issu$ "u subsection 7f7 or on :i* su* an ord] is s]v$ "u subsection 7g7 t fails to comply ) ! ord]4 7#b7 ,rule ( con/ruction ,! au?ority grant$ to ! ,bureau1 ,/ate1 & tribal au?orities "u p>agraph 7#a7 %all be ! sole legal rem$y = en=c+ ! obligations "u subsection 7g7 ( a f9ancial transaction provid] on :i* an ord] is s]v$ "u p>agraph 7#a7 ( t subsection4 7#c7 ,affirmative def5ses ,a def5dant 9 an action comm5c$ "u p>agraph 7#a7 may e/abli% an affirmative def5se by %[+ t ! def5dant does n h ! te*nical means to comply ) ?is section )\t incurr+ an unreasonable economic burd5 or t ! ord] is inconsi/5t ) ?is section4 ,t %[+ %all s]ve z a def5se only to ! ext5t ( ! inability ( ! def5dant to comply or to ! ext5t ( ! inconsi/5cy4 7i7 ,sanctions = abuse ( process & discov]y ,! ,bureau may1 by rule1 prescribe sanctions = abuse ( process 9 a mann] consi/5t ) ! provisions ( rule #aa & rule #cg ( ! ,f$]al ,rules ( ,civil ,proc$ure4 7j7 ,immunity = en=cem5t ( ord]s ,no cause ( action %all lie 9 any c\rt1 no p]son may rely on any claim or cause ( action1 & no liability = damages to any p]son %all be grant$1 aga9/ a f9ancial transaction provid] = tak+ any action pursuant to subsection 7g77#b74 7k7 ,sav+s clause ,no?+ 9 ?is section1 includ+ subsection 7c71 may be con/ru$ to limit ! au?ority or jurisdiction ( ! ,bureau or any ,/ate or tribe to review1 regulate1 inve/igate1 en=ce aga9/1 or o!rwise re/rict activities cov]$ by ?is section4 4 #f4 ,/udies ,n lat] ?an #ahj days aft] enactm5t ( ?is section1 ! ,gov]nm5t ,acc\ntability ,(fice 79 ?is section ref]r$ to z ! ,,gao7 %all conduct a /udy reg>d+ ! availability ( capital on res]vations ( ,indian tribes 7z su* t]m is def9$ 9 section #d ( ! ,indian ,self-,det]m9ation & ,education ,assi/ance ,act 7#be ,u4,s4,c4 #dej;b77 & ! impact t small-doll> consum] cr$it ext5d$ ?r\gh ,int]net & non-,int]net means to memb]s ( ,indian tribes has _h on economic opportunity & weal? = memb]s ( ,indian tribes4 ,9 conduct+ ! /udy1 ! ,,gao %all consult1 z appropriate1 ) ! ,bureau ( ,consum] ,f9ancial ,protection1 ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em1 ! ,bureau ( ,indian ,affairs1 f$]ally recogniz$ ,indian tribes1 & community developm5t f9ancial in/itutions op]at+ 9 ,indian l&s4 ,! report %all be pres5t$ to ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs & ! ,committee on ,indian ,affairs ( ! ,s5ate & ! ,committee on ,f9ancial ,s]vices & ! ,committee on ,natural ,res\rces ( ! ,h\se ( ,repres5tatives4 #g4 ,rulemak+ ,n lat] ?an #a ye> aft] ! date ( enactm5t ( ?is ,act1 ! ,bureau %all adopt any f9al rules necess>y to implem5t ! provisions ( ?is ,act & ! am5dm5ts made by ?is ,act4