,,ii  #aac? ,,congress  #b;d ,session   
,s4 #bbjj  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,april #b1 #bjad ,mr4  
,w>n] 7= himself & ,mr4 ,kirk7 introduc$
 ! foll[+ bill2 :i* 0 read twice &      
ref]r$ to ! ,committee on ,bank+1 ,h\s+1
 & ,urban ,affairs  ,a ,,bill  ,to      
provide debit c>d hold]s ) consum]      
protections equival5t to ^? available to
 cr$it c>d hold]s1 & = o!r purposes4    
#a4 ,%ort title  ,?is ,act may be cit$ z
 ! ,consum] ,debit ,c>d ,protection ,act
 ( #bjad4  #b4 ,am5dm5ts to ,electronic 
,fund ,transf] ,act ,! ,electronic ,fund
 ,transf] ,act 7#ae ,u4,s4,c4 #afic et  
seq47 is am5d$-- 7#a7 9 section         
#ijh7;c71 by ins]t+ 1 or 9 ! case ( an  
electronic debit transaction1 z def9$ 9 
section #ibj7;c77#e71 sev5 bus9ess days 
except z o!rwise all[$ by ! ,bureau to  
protect aga9/ fraud12 &  7#b7 9 section 
#iji-- 7,a7 9 subsection 7a71 9 ! fir/  
s5t5ce1 by /rik+ ,a consum] %all &      
ins]t+ ,except z provid$ 9 subsection   
7b71 a consum] %all2  7,b7 by r$esignat+

 subsections 7b7 ?r\gh 7e7 z subsections
 7c7 ?r\gh 7f71 respectively2 &  7,c7 by
 ins]t+ ! foll[+ aft] subsection 7a73   
7b7 ,unau?oriz$ debit c>d transactions  
7#a7 ,liability ( consum] ,a consum]    
%all be liable = ! unau?oriz$ use ( a   
debit c>d1 only if-- 7,a7 ! debit c>d is
 an accept$ debit c>d2  7,b7 ! liability
 is n 9 excess ( #ej2  7,c7 ! issu] has 
provid$ ! consum] ) a description ( a   
means by :i* ! issu] may be notifi$ (   
loss or !ft ( ! c>d2  7,d7 ! unau?oriz$ 
use occurs be=e ! issu] has be5 notifi$ 
t an unau?oriz$ use ( ! debit c>d has   
occurr$ or may occur z ! result ( loss1 
!ft1 or o!rwise2 &  7,e7 ! issu] has    
provid$ a me?od :]eby ! us] ( su* c>d c 
be id5tifi$ z ! p]son au?oriz$ to use x4
  7#b7 ,notification ,= purposes ( ?is  
subsection1 an issu] has be5 notifi$ :5 
su* /eps z may be reasonably requir$ 9 !
 ord9>y c\rse ( bus9ess to provide !    
issu] ) ! p]t95t in=mation h be5 tak51  
:e!r or n any p>ticul> (fic]1 employee1 
or ag5t ( ! issu] does 9 fact receive   

su* in=mation4  7#c7 ,burd5 ( pro( ,9   
any action by an issu] to en=ce         
liability = ! use ( a debit c>d1 ! burd5
 ( pro( is ^u ! issu] to %[ t ! use 0   
au?oriz$ or1 if ! use 0 unau?oriz$1 !n !
 burd5 ( pro( is ^u ! issu] to %[ t !   
conditions ( liability = ! unau?oriz$   
use ( a debit c>d1 z set =? 9 p>agraph  
7#a71 h be5 met4  7#d7 ,rule (          
con/ruction ,no?+ 9 ?is subsection      
imposes liability ^u a consum] = !      
unau?oriz$ use ( a debit c>d 9 excess ( 
8 liability = su* use "u o!r applicable 
law or "u any agreem5t ) ! issu]4  7#e7 
,def9itions ,z us$ 9 ?is subsection1 !  
t]ms debit c>d & issu] h ! same mean+ z 
9 section #ibj7;c74  4