,,ii  #aac? ,,congress  #b;d ,session   
,s4 #bjbe  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,febru>y #ab1 #bjad,mr4
 ,rockefell] 7= himself & ,mr4 ,m>key7  
introduc$ ! foll[+ bill2 :i* 0 read     
twice & ref]r$ to ! ,committee on       
,comm]ce1 ,sci5ce1 & ,transportation  ,a
 ,,bill  ,to require data brok]s to     
e/abli% proc$ures to ensure ! accuracy (
 collect$ p]sonal in=mation1 & = o!r    
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,data ,brok] ,acc\ntability
 & ,transp>5cy ,act4  #b4 ,def9itions ,9
 ?is ,act3 7#a7 ,commission ,! t]m      
,commission means ! ,f$]al ,trade       
,commission4  7#b7 ,data brok] ,! t]m   
data brok] means a comm]cial entity t   
collects1 assembles1 or ma9ta9s p]sonal 
in=mation conc]n+ an individual :o is n 
a cu/om] or an employee ( t entity 9    
ord] to sell ! in=mation or provide ?ird
 p>ty access to ! in=mation4  7#c7      
,non-public in=mation ,! t]m non-public 
in=mation means in=mation ab\t an       
individual t is ( a private nature1 n   

available to ! g5]al public1 & n obta9$ 
f a public record4  7#d7 ,public record 
in=mation ,! t]m public record in=mation
 means in=mation ab\t an individual t   
has be5 obta9$ orig9ally f records ( a  
,f$]al1 ,/ate1 or local gov]nm5t entity 
t are available = public inspection4    
#c4 ,prohibition on obta9+ or           
solicitation to obta9 p]sonal in=mation 
by false pret5ses  7a7 ,9 g5]al ,x %all 
be unlawful = a data brok] to obta9 or  
attempt to obta91 or cause to be        
disclos$ or attempt to cause to be      
disclos$ to any p]son1 p]sonal in=mation
 or any o!r in=mation relat+ to any     
p]son by mak+ a false1 fictiti\s1 or    
fraudul5t /atem5t or repres5tation to   
any p]son1 includ+ by provid+ any       
docum5t to any p]son1 t ! data brok]    
kn[s or %\ld "k to be =g$1 c\nt]feit1   
lo/1 /ol51 or fraudul5tly obta9$1 or    
conta9s a false1 fictiti\s1 or fraudul5t
 /atem5t or repres5tation4  7b7         
,solicitation ,x %all be unlawful = a   
data brok] to reque/ a p]son to obta9   

p]sonal in=mation1 or any o!r in=mation1
 relat+ to any o!r p]son if ! data brok]
 kn[s or %\ld "k t ! p]son to :om !     
reque/ is made w obta9 or attempt to    
obta9 t in=mation 9 ! mann] describ$ 9  
subsection 7a74  #d4 ,p]sonal in=mation 
7a7 ,accuracy ,a data brok] %all e/abli%
 reasonable proc$ures to ensure !       
maximum possible accuracy ( ! p]sonal   
in=mation x collects1 assembles1 or     
ma9ta9s1 & any o!r in=mation x collects1
 assembles1 or ma9ta9s t specifically   
id5tifies an individual1 unless !       
in=mation only id5tifies an individual's
 "n or address4  7b7 ,exception2 fraud  
databases ,not)/&+ subsection 7a71 a    
data brok] may collect or ma9ta9        
in=mation t may be inaccurate ) respect 
to a p>ticul> individual if t in=mation 
is be+ collect$ or ma9ta9$ solely = !   
purpose (-- 7#a7 indicat+ :e!r !re may  
be a discrepancy or irregul>ity 9 !     
p]sonal in=mation t is associat$ ) an   
individual2  7#b7 help+ to id5tify1 or  
to au!nticate ! id5tity (1 an           

individual2 or  7#c7 help+ to protect   
aga9/ or inve/igate fraud or o!r        
unlawful conduct4  7c7 ,consum] access  
,a data brok] %all provide an individual
 a means to review any p]sonal in=mation
 or o!r in=mation t specifically        
id5tifies t individual1 t ! data brok]  
collects1 assembles1 or ma9ta9s on t    
individual1 unless an exception applies 
"u section #e4  7d7 ,review requirem5ts 
,! means = review "u subsection 7c7 %all
 be provid$-- 7#a7 at an individual's   
reque/2  7#b7 aft] v]ify+ ! id5tity ( ! 
individual2  7#c7 at lea/ #a "t p] ye>2 
&  7#d7 at no co/ to ! individual4  7e7 
,notice ,a data brok] %all ma9ta9 an    
,int]net ,web site & place a cle> &     
conspicu\s notice on t ,int]net ,web    
site in/ruct+ an individual-- 7#a7 h[ to
 review ! in=mation describ$ "u         
subsection 7c72 &  7#b7 h[ to express a 
pref]5ce ) respect to ! use ( p]sonal   
in=mation = m>ket+ purposes "u          
subsection 7g74  7f7 ,disput$ in=mation 
,an individual ^: p]sonal in=mation is  

ma9ta9$ by a data brok] may dispute !   
accuracy ( any in=mation describ$ "u    
subsection 7c7 by reque/+1 9 writ+1 t ! 
data brok] correct ! in=mation4 ,a data 
brok]1 aft] v]ify+ ! id5tity ( !        
individual mak+ ! reque/1 & unless !re  
are reasonable gr\nds to believe !      
reque/ is frivol\s or irrelevant1 %all--
 7#a7 ) reg>d to public record          
in=mation-- 7,a7 in=m ! individual ( !  
s\rce ( ! in=mation &1 if reasonably    
available1 :]e to direct ! individual's 
reque/ = correction2 or  7,b7 if !      
individual provides pro( t ! public     
record has be5 correct$ or t ! data     
brok] 0 report+ ! in=mation incorrectly1
 correct ! inaccuracy 9 ! data brok]'s  
records2 &  7#b7 ) reg>d to non-public  
in=mation-- 7,a7 note ! in=mation t is  
disput$1 includ+ ! individual's writt5  
reque/2  7,b7 if ! in=mation c be       
indep5d5tly v]ifi$1 use ! reasonable    
proc$ures e/abli%$ "u subsection 7a7 to 
indep5d5tly v]ify ! in=mation2 &  7,c7  
if ! data brok] 0 report+ ! in=mation   

incorrectly1 correct ! inaccuracy 9 !   
data brok]'s records4  7g7 ,c]ta9 m>ket+
 in=mation ,a data brok] t ma9ta9s any  
in=mation describ$ "u subsection 7a7 & t
 uses1 %>es1 or sells t in=mation =     
m>ket+ purposes %all provide ea*        
individual ^: in=mation x ma9ta9s ) a   
reasonable means ( express+ a pref]5ce n
 to h t individual's in=mation us$ = ^? 
purposes4 ,if an individual expresses   
su* a pref]5ce1 ! data brok] may n use1 
%>e1 or sell t individual's in=mation = 
m>ket+ purposes4  7h7 ,p]sons regulat$  
by ! ,fair ,cr$it ,report+ ,act ,a data 
brok] %all be deem$ 9 compliance ) ?is  
section ) respect to in=mation t is     
subject to ! ,fair ,cr$it ,report+ ,act 
7#ae ,u4,s4,c4 #afha et seq47 if ! data 
brok] is 9 compliance ) sections #fji1  
#faj1 & #faa ( t ,act 7#ae ,u4,s4,c4    
#afha;g1 #afha;h1 #afha;i74  #e4        
,regulations ,n lat] ?an #a ye> aft] !  
date ( enactm5t ( ?is ,act1 !           
,commission %all promulgate regulations 
"u section #eec ( title #e1 ,unit$      

,/ates ,code1 to implem5t & en=ce !     
requirem5ts ( ?is ,act1 includ+-- 7#a7 a
 requirem5t t a data brok] e/abli%      
measures t facilitate ! audit+ or       
retrac+ ( any int]nal or ext]nal access 
to1 or transmission (1 any data conta9+ 
p]sonal in=mation collect$1 assembl$1 or
 ma9ta9$ by ! data brok]2  7#b7 !       
e/abli%m5t ( a c5traliz$ ,int]net ,web  
site = ! b5efit ( consum]s t li/s ! data
 brok]s subject to section #d & provides
 additional in=mation to consum]s ab\t  
_! rights "u ?is ,act2  7#c7 if !       
,commission consid]s a data brok]       
outside ! scope ( ! purposes ( ?is ,act1
 ! exclusion ( t data brok] f !         
applicability ( ?is ,act1 su* z1 if !   
,commission consid]s x appropriate =    
exclusion1 a data brok] :o processes    
in=mation collect$ by or on behalf ( &  
receiv$ f or on behalf ( a nonaffiliat$ 
?ird p>ty conc]n+ an individual :o is a 
cu/om] or an employee ( t ?ird p>ty to  
enable t ?ird p>ty1 directly or ?r\gh   
p>ties act+ on its behalf1 to provide   

b5efits = its employees or directly     
transact bus9ess ) its cu/om]s2  7#d7   
any exceptions1 t ! ,commission consid]s
 necess>y1 to ! audit+ & retrac+        
requirem5ts "u p>agraph 7#a7 to fur!r or
 protect law en=cem5t or national       
security activities2 &  7#e7 any        
exceptions1 t ! ,commission consid]s    
necess>y1 to an individual's "r to      
review ! in=mation describ$ "u section  
#d7;c71 su* z = *ild protection1 law    
en=cem5t1 fraud prev5tion1 or o!r       
legitimate gov]nm5t purposes4  #f4      
,en=cem5t  7a7 ,9 g5]al ,a violation ( a
 regulation prescrib$ "u ?is ,act %all  
be treat$ z a violation ( a rule def9+  
an unfair or a deceptive act or practice
 "u section #ah7;a77#a77;,b7 ( ! ,f$]al 
,trade ,commission ,act 7#ae ,u4,s4,c4  
#eg;a7a77#a77;,b774  7b7 ,p[]s (        
,commission ,! ,commission %all en=ce   
?is ,act 9 ! same mann]1 by ! same      
means1 & ) ! same jurisdiction1 p[]s1 & 
duties z ?\gh all applicable t]ms &     
provisions ( ! ,f$]al ,trade ,commission

 ,act 7#ae ,u4,s4,c4 #da et seq47 7     
incorporat$ into & made a "p ( ?is ,act4
 ,any data brok] :o violates a          
regulation prescrib$ "u ?is ,act %all be
 subject to ! p5alties & entitl$ to !   
privileges & immunities provid$ 9 !     
,f$]al ,trade ,commission ,act 7#ae     
,u4,s4,c4 #da et seq474  7c7 ,en=cem5t  
by ,/ate attorneys g5]al  7#a7 ,civil   
action ,except z provid$ "u p>agraph    
7#c77;,b71 9 any case 9 :i* ! attorney  
g5]al ( a ,/ate1 or an (ficial or ag5cy 
( a ,/ate1 has reason to believe t an   
int]e/ ( ! resid5ts ( t ,/ate has be5 or
 is ?reat5$ or adv]sely affect$ by a    
data brok] :o violates a regulation     
prescrib$ "u ?is ,act1 ! attorney g5]al1
 (ficial1 or ag5cy ( ! ,/ate1 z p>5s    
patriae1 may br+ a civil action on      
behalf ( ! resid5ts ( ! ,/ate 9 a       
di/rict c\rt ( ! ,unit$ ,/ates (        
appropriate jurisdiction-- 7,a7 to enjo9
 fur!r violation ( ?is ,act by !        
def5dant2  7,b7 to compel compliance )  
?is ,act2  7,c7 to obta9 damages1       

re/itution1 or o!r comp5sation on behalf
 ( su* resid5ts1 or to obta9 su* fur!r &
 o!r relief z ! c\rt may deem           
appropriate2 or  7,d7 to obta9 civil    
p5alties 9 ! am\nt det]m9$ "u p>agraph  
7#b74  7#b7 ,civil p5alties  7,a7       
,calculation ,= purposes ( impos+ a     
civil p5alty "u p>agraph 7#a77;,d71 !   
am\nt det]m9$ "u ?is p>agraph is ! am\nt
 calculat$ by multiply+ ! numb] (       
sep>ate violations ( a rule by an am\nt 
n great] ?an #af1jjj4  7,b7 ,adju/m5t = 
inflation ,beg9n+ on ! date t ! ,consum]
 ,price ,index is fir/ publi%$ by !     
,bureau ( ,labor ,/ati/ics t is aft] #a 
ye> aft] ! date ( enactm5t ( ?is ,act1 &
 ea* ye> !reaft]1 ! am\nt specifi$ 9    
subp>agraph 7,a7 %all be increas$ by !  
p]c5tage increase 9 ! ,consum] ,price   
,index publi%$ on t date f ! ,consum]   
,price ,index publi%$ ! previ\s ye>4    
7#c7 ,int]v5tion by ! ,commission  7,a7 
,notice ,a ,/ate %all provide prior     
writt5 notice ( any civil action "u     
p>agraph 7#a7 to ! ,commission & provide

 ! ,commission ) a copy ( its compla9t1 
except 9 any case 9 :i* su* prior notice
 is n feasible1 9 :i* case ! ,/ate %all 
s]ve su* notice imm$iately ^u in/itut+  
su* action4  7,b7 ,int]v5tion by !      
,commission ,! ,commission %all h ! "r--
 7i7 to int]v5e 9 ! civil action "u     
p>agraph 7#a72  7ii7 ^u s int]v5+1 to be
 he>d on all matt]s aris+ 9 t civil     
action2 &  7iii7 to file petitions =    
appeal ( a decision 9 t civil action4   
7,c7 ,limitation on ,/ate action :ile   
,f$]al action is p5d+ ,if ! ,commission 
has in/itut$ a civil action = violation 
( ?is ,act1 no ,/ate attorney g5]al1 or 
(ficial or ag5cy ( a ,/ate1 may br+ an  
action "u ?is subsection dur+ ! p5d5cy (
 t action aga9/ any def5dant nam$ 9 !   
compla9t ( ! ,commission = any violation
 ( ?is ,act alleg$ 9 ! compla9t4  7#d7  
,con/ruction ,= purposes ( br++ any     
civil action "u p>agraph 7#a71 no?+ 9   
?is ,act %all be con/ru$ to prev5t an   
attorney g5]al ( a ,/ate f ex]cis+ !    
p[]s conf]r$ on ! attorney g5]al by !   

laws ( t ,/ate-- 7,a7 to conduct        
inve/igations2  7,b7 to adm9i/] oa?s or 
affirmations2 or  7,c7 to compel !      
att5dance ( witnesses or ! production ( 
docum5t>y & o!r evid5ce4  #g4 ,effect on
 o!r laws  7a7 ,pres]vation (           
,commission au?ority ,no?+ 9 ?is ,act   
may be con/ru$ 9 any way to limit or    
affect ! ,commission's au?ority "u any  
o!r provision ( law4  7b7 ,pres]vation (
 o!r ,f$]al law ,no?+ 9 ?is ,act may be 
con/ru$ 9 any way to sup]s$e1 re/rict1  
or limit ! application ( ! ,fair ,cr$it 
,report+ ,act 7#ae ,u4,s4,c4 #afha et   
seq47 or any o!r ,f$]al law4