,,ii  #aac? ,,congress  #a/ ,session    
,s4 #ahg  ,,9 ,,! ,,s5ate ,,( ,,!       
,,unit$ ,,/ates  ,janu>y #cj1 #bjac ,mr4
 ,m]kley 7= himself1 ,mr4 ,br[n1 & ,mr4 
,:iteh\se7 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
 prohibit ! di/ribution ( any *eck or   
o!r negotiable in/rum5t z "p ( a        
solicitation by a cr$itor = an ext5sion 
( cr$it1 to limit ! liability ( consum]s
 9 conjunction ) su* solicitations1 & = 
o!r purposes4  #a4 ,%ort title ,?is ,act
 may be cit$ z ! ,deceptive ,loan ,*eck 
,elim9ation ,act4  #b4 ,unsolicit$ loan 
*ecks prohibit$  7a7 ,9 g5]al ,section  
#acb ( ! ,tru? 9 ,l5d+ ,act 7#ae        
,u4,s4,c4 #afdb7 is am5d$--  7#a7 by    
ins]t+ 7a7 ,9 g5]al4-- be=e ,no cr$it2 &
  7#b7 by add+ at ! end ! foll[+3  7b7  
,unsolicit$ loan *ecks prohibit$ ,no    
p]son may ext5d any consum] cr$it :i* is
 o!rwise subject to ?is title ?r\gh !   
use by ! consum] ( a *eck1 o!r          

negotiable in/rum5t1 or su* o!r simil>  
product z ! ,bureau may1 by rule1       
det]m9e1 t ! cr$itor has s5t to !       
consum] 9 connection ) a solicitation by
 ! cr$itor = an ext5sion ( consum]      
cr$it1 unless ! consum] submitt$ a      
writt5 application =1 or o!rwise reque/$
 9 writ+1 ! ext5sion ( cr$it be=e ! date
 on :i* ! cr$itor s5t ! *eck1 negotiable
 in/rum5t1 or o!r simil> product4  7c7  
,look-,alike *ecks ,a c]tificate1 v\*]1 
or o!r nonnegotiable in/rum5t provid$ to
 a consum] 9 connection ) a solicitation
 = an ext5sion ( cr$it t has ! appe>ance
 ( a *eck or o!r negotiable in/rum5t is 
n an application or reque/ = an ext5sion
 ( cr$it = purposes ( ?is section4  7d7 
,liability ( consum]  7#a7 ,liability ( 
consum] ,a consum] %all n be liable =-- 
7,a7 ! pr9cipal am\nt ( a *eck or o!r   
negotiable in/rum5t s5t to ! consum] 9  
violation ( ?is section2 or  7,b7 any   
int]e/1 fee1 or p5alty *>g$ 9 connection
 ) su* *eck or negotiable in/rum5t4     
7#b7 ,in=mation on consum] ,no in=mation

 relat+ to ! liability ( a consum]      
alleg$ by a cr$itor to h be5 e/abli%$   
?r\gh a *eck or o!r negotiable in/rum5t 
s5t by a cr$itor to ! consum] 9         
violation ( subsection 7b7 may be       
report$ to or receiv$ by any consum]    
report+ ag5cy or includ$ 9 any consum]  
report 7z ^? t]ms are def9$ 9 section   
#fjc ( ! ,fair ,cr$it ,report+ ,act 7#ae
 ,u4,s4,c4 #afha;a774  7e7 ,regulations 
,n lat] ?an #f mon?s aft] ! date (      
enactm5t ( ! ,deceptive ,loan ,*eck     
,elim9ation ,act1 ! ,bureau %all        
prescribe f9al regulations to implem5t  
?is section4  4  7b7 ,cl]ical am5dm5t ,!
 item relat+ to section #acb 9 ! table (
 sections = *apt] #b ( ! ,consum] ,cr$it
 ,protection ,act is am5d$ to read z    
foll[s3  #acb4 ,issuance ( cr$it c>ds & 
unsolicit$ loan *ecks4  4  7c7 ,scope ( 
application ,! requirem5ts ( ?is ,act & 
! am5dm5ts made by ?is ,act %all apply  
to solicitations = ext5sions ( cr$it    
made to consum]s aft] ! date ( enactm5t 
( ?is ,act4