,,ii  #aac? ,,congress  #b;d ,session   
,s4 #bgdb  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,july #ca1 #bjad ,mr4  
,s*um] 7= himself1 ,mr4 ,nelson1 & ,mr4 
,begi*7 introduc$ ! foll[+ bill2 :i* 0  
read twice & ref]r$ to ! ,committee on  
,f9ance  ,a ,,bill  ,to provide = public
 notice & input prior to ! closure1     
consolidation1 or public access         
limitation ( field or he>+ (fices ( !   
,social ,security ,adm9i/ration1 & = o!r
 purposes4  #a4 ,%ort title  ,?is ,act  
may be cit$ z ! ,improv+ ,access to     
,social ,security ,s]vices ,act4  #b4   
,r$uctions 9 public access to ,social   
,security ,adm9i/ration field or he>+   
(fices  7a7 ,9 g5]al ,section #gjd ( !  
,social ,security ,act 7#db ,u4,s4,c4   
#ijd7 is am5d$ by add+ at ! end ! foll[+
 new subsection3  7f7 ,ensur+ ,public   
,access to ,field & ,he>+ ,(fices  7#a7 
,! ,commission] may n impose any        
r$uction 9 public access on an (fice    
unless ! requirem5ts "u p>agraphs 7#b7  
?r\gh 7#e7 h be5 satisfi$ 9 connection )

 su* r$uction4  7#b7 ,n lat] ?an #ahj   
days be=e ! date t ! propos$ r$uction 9 
access to an (fice w\ld take effect1 !  
,commission] %all provide effective     
public notice reg>d+ ! propos$ r$uction1
 :i*-- 7,a7 may include1 to ! ext5t     
feasible1 provid+ notice to-- 7i7 all   
individuals resid+ 9 areas s]vic$ by su*
 (fice by direct mail+1 ! dissem9ation (
 pr9t or electronic notices1 or         
publication 9 community outlets su* z   
newspap]s & po/+ 9 heavily traffick$    
public spaces2 &  7ii7 repres5tatives ( 
in/itutions 9 areas s]vic$ by su* (fice 
t may be affect$ by ! propos$ r$uction1 
includ+ s*ools1 hospitals1 nurs+ homes1 
eld] rights advocacy gr\ps1             
community-bas$ organizations t repres5t 
,social ,security b5efici>ies1 & any    
organization t repres5ts employees ( !  
,adm9i/ration by direct mail+1          
electronic mail1 or telephone2 &  7,b7  
%all include-- 7i7 direct1 writt5       
notification ( ! elect$ (ficials (      
individuals resid+ 9 areas s]vic$ by su*

 (fice1 :i* %all include ea* ,memb] ( ! 
,congress repres5t+ a ,/ate or          
congressional di/rict 9 :i* su* (fice is
 locat$ & may include ! mayor1 city     
c\ncil1 or o!r local gov]nm5t (ficials  
repres5t+ ! areas s]vic$ by su* (fice2  
7ii7 on ! website ( ! ,social ,security 
,adm9i/ration1 a description ( ! propos$
 r$uction & ! mo/ rec5t in=mation us$ by
 ! ,commission] 9 evaluat+ ! (fice =    
closure1 includ+ ! mo/ rec5t ,s]vice    
,area ,review ( su* (fice2  7iii7       
relevant in=mation reg>d+ ! areas s]vic$
 by su* (fice1 includ+-- 7,i7 ! p]c5tage
 ( individuals 9 su* areas ) access to  
broadb& int]net s]vice2  7,,ii7 !       
availability ( public & private         
transportation f su* (fice to ! o!r     
(fices ne>e/ to su* areas to individuals
 resid+ 9 su* areas1 & ! ext5t to :i*   
su* o!r (fices are accessible by public 
or private transportation2  7,,iii7 !   
p]c5tage ( individuals 9 su* areas t    
lack facility ) ! ,engli% language2     
7,,iv7 ! p]c5tage ( individuals 9 su*   

area ) annual incomes t d n exce$ !     
,f$]al pov]ty ?re%old applicable to !   
family size involv$ 7z det]m9$ by !     
,bureau ( ! ,c5sus72 &  7,v7 any o!r    
relevant factors t may limit public     
access to ! o!r (fices ne>e/ to su*     
areas2  7iv7 a description ( ! effect t 
! r$uction 9 public access w h on areas 
s]vic$ by su* (fice1 includ+-- 7,i7 !   
numb] ( ,social ,security b5efici>ies t 
su* (fice s]vices2  7,,ii7 ! project$   
population ( individuals resid+ 9 su*   
areas 7includ+ any congressional di/rict
 s]vic$ by su* (fice7 :o1 dur+ ! #e-ye>1
 #aj-ye>1 & #ae-ye> p]iods subsequ5t to 
! r$uction 9 public access1 w h atta9$  
e>ly retirem5t age2  7,,iii7 ! numb] (  
,adm9i/ration employees :o "w 9 su*     
areas & any congressional di/rict s]vic$
 by su* (fice2  7,,iv7 ! numb] ( cases  
p5d+1 ! av]age numb] ( daily visitors 9 
! previ\s ye> at su* (fice1 & ! av]age  
wait "t = s]vice 9 ! previ\s ye> at su* 
(fice2  7,v7 ! numb] ( miles betwe5 su* 
(fice & ! o!r (fices ne>e/ to su* areas2

  7,,vi7 ! av]age increase 9 travel f   
su* (fice to ! o!r (fices ne>e/ to su*  
(fice = a memb] ( ! public or an        
employee ( ! ,adm9i/ration t is expect$ 
to result f ! r$uction 9 public access2 
&  7,,vii7 ! level ( public access      
available at ! o!r (fices ne>e/ to su*  
areas1 includ+ pot5tial ob/acles fac$ by
 eld]ly & disabl$ citiz5s2  7v7 !       
project$ sav+s to ! ,adm9i/ration       
result+ f ! r$uction 9 public access = !
 #aj-ye> p]iod subsequ5t to su*         
r$uction2  7vi7 ! e/imat$ co/ (         
co-locat+ su* (fice ) ano!r ,f$]al ag5cy
 z an alt]native to ! propos$ r$uction 9
 public access2  7vii7 any measures !   
,adm9i/ration plans to take to elim9ate 
or r$uce ob/acles to public access at ! 
o!r (fices ne>e/ to ! areas s]vic$ by   
su* (fice2  7viii7 relevant in=mation   
reg>d+ ! crit]ia & reasons = impos+ a   
r$uction 9 public access on an (fice2 & 
7ix7 ! date1 "t1 & location ( ! public  
he>+ describ$ 9 p>agraph 7#d74  7#c7 ,n 
lat] ?an #cj days aft] ! issuance ( !   

public notice describ$ 9 p>agraph 7#b71 
! ,commission] %all provide = a public  
comm5t p]iod ( n less ?an #fj days4     
7#d7 ,n e>li] ?an #cj days aft] !       
issuance ( ! public notice describ$ 9   
p>agraph 7#b7 & n lat] ?an #hj days be=e
 ! date t ! propos$ r$uction 9 access to
 an (fice w\ld take effect1 !           
,commission] %all conduct n less ?an #a 
public he>+ at :i* ! ,commission] %all  
pres5t ! ju/ifications = ! r$uction 9   
access & provide att5dees ) an          
opportunity to pres5t _! views reg>d+   
su* r$uction4  7#e7 ,n lat] ?an #cj days
 aft] ! conclusion ( ! public comm5t    
p]iod describ$ 9 p>agraph 7#c7 or ! date
 ( ! public he>+ describ$ 9 p>agraph    
7#d71 :i*ev] is lat]1 ! ,commission]    
%all submit to ! ,committee on ,ways &  
,means ( ! ,h\se ( ,repres5tatives1 !   
,committee on ,f9ance ( ! ,s5ate1 & ea* 
,memb] ( ! ,congress repres5t+ a ,/ate  
or congressional di/rict 9 :i* ! (fice  
is locat$ a detail$ f9al report1 :i*    
%all be made available to ! public1     

reg>d+ ! r$uction 9 public access1      
includ+ ! ju/ifications = su* r$uction &
 any f9d+s made by ! ,commission] 9     
reg>ds to comm5ts receiv$ dur+ ! public 
comm5t p]iod or ! public he>+4  7#f7 ,9 
?is subsection3 7,a7 ,! t]m r$uction 9  
public access means any closure ( an    
(fice1 consolidation ( #b or m (fices1  
or r$uction 9 ! numb] ( h\rs 9 :i* an   
(fice is op5 to ! public by #h or m h\rs
 p] week1 except t su* t]m %all n       
include a tempor>y closure or r$uction t
 is ! result ( ! ne$ to make necess>y   
repairs1 a natural disa/]1 or o!r       
em]g5cy necessitat+ a r$uction or       
closure4  7,b7 ,! t]m (fice means any   
field or he>+ (fice ( ! ,adm9i/ration4  
4  7b7 ,effective date ,! am5dm5ts made 
by ?is section %all apply ) respect to  
any r$uction 9 public access to an (fice
 t takes effect aft] ! date ( enactm5t (
 ?is ,act4  #c4 ,improv+ ,social        
,security ,adm9i/ration s]vices  7a7 ,9 
g5]al ,ea* field (fice ( ! ,social      
,security ,adm9i/ration 7ref]r$ to 9 ?is

 section z an (fice7 %all be requir$ to 
provide s]vices necess>y =-- 7#a7 until 
,augu/ #a1 #bjae1 ,social ,security     
numb] pr9t\t s]vices2 &  7#b7 until     
,octob] #a1 #bjae1 b5efit v]ification   
lett] s]vices4  7b7 ,outrea*  7#a7      
,national campaign ,! ,commission] (    
,social ,security 7ref]r$ to 9 ?is ,act 
z ! ,commission]7 %all conduct an       
outrea* campaign to notify ,social      
,security b5efici>ies & o!r int]e/$     
p>ties 7includ+ ,/ate dep>tm5ts ( motor 
vehicles1 ! ,int]nal ,rev5ue ,s]vice1   
,/ate & ,f$]al h\s+ assi/ance ag5cies1 &
 o!r ,/ate & ,f$]al ag5cies t provide   
ne$-bas$ assi/ance7 (-- 7,a7 plans to   
phase out-- 7i7 ,social ,security numb] 
pr9t\t s]vices2 or  7ii7 b5efit         
v]ification lett] s]vices at (fices2 &  
7,b7 ! onl9e availability ( ! s]vices   
describ$ 9 subp>agraph 7,a74  7#b7      
,local outrea* ,ea* (fice t ceases to   
(f]1 or r$uces ! availability (1 !      
s]vices describ$ 9 p>agraph 7#a77;,a7   
%all provide notice to key local        

organizations ^: memb]s or patrons may  
be affect$ by su* cessation or r$uction1
 includ+-- 7,a7 employee placem5t       
organizations2  7,b7 h\s+ assi/ance     
organizations2  7,c7 organizations t    
assi/ ) ! adm9i/ration ( ne$-bas$       
gov]nm5t b5efits2  7,d7 income tax      
prep>]s2 &  7,e7 banks & o!r f9ancial   
in/itutions4  7c7 ,live-,*at assi/ance  
7#a7 ,9 g5]al ,n lat] ?an #a ye> aft] ! 
date ( ! enactm5t ( ?is ,act1 !         
,commission] %all e/abli% a sy/em       
provid+ live-*at assi/ance = onl9e us]s 
( ! website ( ! ,social ,security       
,adm9i/ration4  7#b7 ,implem5tation     
report ,n lat] ?an #i mon?s aft] ! date 
( ! enactm5t ( ?is ,act1 ! ,commission] 
%all submit a report to ! ,inspector    
,g5]al ( ! ,dep>tm5t ( ,heal? & ,human  
,s]vices t describes-- 7,a7 !           
,commission]'s progress 9 implem5t+ !   
live-*at assi/ance sy/em describ$ 9     
p>agraph 7#a72 &  7,b7 o!r measures t ! 
,commission] has tak5 to notify us]s ( !
 website ( ! ,social ,security          

,adm9i/ration ( ! availability (        
live-*at assi/ance & ! circum/ances 9   
:i* ! use ( su* assi/ance may be        
advisable4  7d7 ,waiv] ( fees = s]vices 
7#a7 ,9 g5]al ,section #bje ( ! ,social 
,security ,act 7#db ,u4,s4,c4 #dje7 is  
am5d$ by add+ at ! end ! foll[+ new     
subsection3  7v7 ,waiv] ( fees = s]vices
  7#a7 ,9 any case :]e ! ,social        
,security ,adm9i/ration 7ref]r$ to 9 ?is
 subsection z ! ,adm9i/ration7 *>ges a  
fee = a s]vice (f]$ by ! ,adm9i/ration1 
ei!r onl9e or at a field (fice ( !      
,adm9i/ration1 ! ,commission] ( ,social 
,security %all e/abli% a process :]eby  
an eligible individual 7z def9$ 9       
p>agraph 7#b77 may apply = a r$uction or
 waiv] ( su* fee4  7#b7 ,= purposes (   
p>agraph 7#a71 an eligible individual is
 an individual ^: annual income does n  
exce$ ! ,f$]al pov]ty ?re%old applicable
 to ! family size involv$ 7z det]m9$ by 
! ,bureau ( ! ,c5sus74  7#c7 ,!         
,commission] ( ,social ,security %all   
provide timely notice to an individual  

:o makes an application "u p>agraph 7#a7
 ( ! approval or d5ial ( su*            
application4  4  7#b7 ,effective date ,!
 am5dm5t made by p>agraph 7#a7 %all take
 effect #ahj days aft] ! date ( !       
enactm5t ( ?is ,act4  7e7 ,report ,n    
lat] ?an #f mon?s aft] ! date ( !       
enactm5t ( ?is ,act1 ! ,commission] %all
 submit a report to ! ,committee on     
,ways & ,means ( ! ,h\se (              
,repres5tatives & ! ,committee on       
,f9ance ( ! ,s5ate describ+ !           
,adm9i/ration's long-t]m /rategy =      
s]vice deliv]y1 includ+-- 7#a7 ! ,social
 ,security ,adm9i/ration's /rategy =    
provid+ face-to-face s]vices to a gr[+  
population ( eld]ly individuals2 &  7#b7
 recomm5dations = re=m+ ! process by :i*
 (fices are select$ = closure4  #d4     
,improv+ communication to prev5t &      
resolve in/ances ( id5tity !ft  7a7     
,notification sy/em ,n lat] ?an #ahj    
days aft] ! date ( ! enactm5t ( ?is     
section1 ! ,commission] %all e/abli% an 
automat$ notification sy/em to al]t     

,social ,security b5efici>ies ( *anges  
made to _! in=mation = direct deposit to
 a f9ancial in/itution ( _! ,social     
,security b5efits 9 a timely mann] by   
direct mail &1 tak+ due precautions to  
ensure security1 electronic mail4  7b7  
,s+le po9t ( contact ,n lat] ?an #ahj   
days aft] ! date ( ! enactm5t ( ?is     
section1 ! ,commission] %all e/abli% new
 proc$ures to ensure t any ,social      
,security b5efici>y ^: b5efits h be5    
delay$ or o!rwise adv]sely affect$ due  
to id5tity !ft has a s+le po9t ( contact
 at ! ,adm9i/ration ?r\gh\t ! process+ (
 su* b5efici>y's case4 ,su* po9t (      
contact %all track ! case ( ! b5efici>y 
f />t to f9i% & coord9ate ) o!r         
specializ$ units to resolve case issues 
z quickly z possible4  #e4 ,prohibition 
( ! display1 sale1 or pur*ase ( ,social 
,security numb]s  7a7 ,prohibition  7#a7
 ,9 g5]al ,*apt] #dg ( title #ah1 ,unit$
 ,/ates ,code1 is am5d$ by ins]t+ aft]  
section #ajbh;,a ! foll[+3  #ajbh;,b4   
,prohibition ( ! display1 sale1 or      

pur*ase ( ,social ,security numb]s  7a7 
,def9itions ,9 ?is section3  7#a7       
,display ,! t]m display means to        
int5tionally communicate or o!rwise make
 available 7on ! ,int]net or 9 any o!r  
mann]7 to ! g5]al public an individual's
 ,social ,security numb]4  7#b7 ,p]son  
,! t]m p]son means any individual1      
p>tn]%ip1 corporation1 tru/1 e/ate1     
coop]ative1 association1 or any o!r     
entity4  7#c7 ,pur*ase ,! t]m pur*ase   
means provid+ directly or indirectly1   
any?+ ( value 9 ex*ange = a ,social     
,security numb]4  7#d7 ,sale ,! t]m sale
 means obta9+1 directly or indirectly1  
any?+ ( value 9 ex*ange = a ,social     
,security numb]4  7#e7 ,/ate ,! t]m     
,/ate means any ,/ate ( ! ,unit$ ,/ates1
 ! ,di/rict ( ,columbia1 ,pu]to ,rico1 !
 ,nor!rn ,m>iana ,isl&s1 ! ,unit$ ,/ates
 ,virg9 ,isl&s1 ,guam1 ,am]ican ,samoa1 
& any t]ritory or possession ( ! ,unit$ 
,/ates4  7b7 ,limitation on display ,no 
p]son may display any individual's      
,social ,security numb] to ! g5]al      

public )\t ! affirmatively express$     
cons5t ( ! individual4  7c7 ,limitation 
on sale or pur*ase ,except z o!rwise    
provid$ 9 ?is section1 no p]son may sell
 or pur*ase any individual's ,social    
,security numb] )\t ! affirmatively     
express$ cons5t ( ! individual4  7d7    
,pr]equisites = cons5t ,9 ord] = cons5t 
to exi/ "u subsection 7b7 or 7c71 !     
p]son display+ or seek+ to display1     
sell+ or attempt+ to sell1 or pur*as+ or
 attempt+ to pur*ase1 an individual's   
,social ,security numb] %all--  7#a7    
in=m ! individual ( ! g5]al purpose =   
:i* ! numb] w be us$1 ! types ( p]sons  
to :om ! numb] may be available1 & !    
scope ( transactions p]mitt$ by !       
cons5t2 &  7#b7 obta9 ! affirmatively   
express$ cons5t 7electronically or 9    
writ+7 ( ! individual4  7e7 ,exceptions 
,no?+ 9 ?is section %all be con/ru$ to  
prohibit or limit ! display1 sale1 or   
pur*ase ( a ,social ,security numb]--   
7#a7 requir$1 au?oriz$1 or except$ "u   
any ,f$]al law2  7#b7 = a public heal?  

purpose1 includ+ ! protection ( ! heal? 
or safety ( an individual 9 an em]g5cy  
situation2  7#c7 = a national security  
purpose2  7#d7 = a law en=cem5t purpose1
 includ+ ! inve/igation ( fraud & !     
en=cem5t ( a *ild support obligation2   
7#e7 if ! display1 sale1 or pur*ase ( ! 
numb] is = a use occurr+ z a result ( an
 int]action betwe5 bus9esses1 gov]nm5ts1
 or bus9ess & gov]nm5t 7reg>dless ( :i* 
entity initiates ! int]action71 includ+1
 b n limit$ to--  7,a7 ! prev5tion (    
fraud 7includ+ fraud 9 protect+ an      
employee's "r to employm5t b5efits72    
7,b7 ! facilitation ( cr$it *ecks or !  
facilitation ( backgr\nd *ecks (        
employees1 prospective employees1 or    
volunte]s2  7,c7 ! retrieval ( o!r      
in=mation f o!r bus9esses1 comm]cial    
ent]prises1 gov]nm5t entities1 or       
private nonpr(it organizations2 or  7,d7
 :5 ! transmission ( ! numb] is         
incid5tal to1 & 9 ! c\rse (1 ! sale1    
lease1 fran*is+1 or m]g] ( all1 or a    
portion (1 a bus9ess2  7#f7 if ! transf]

 ( su* a numb] is "p ( a data mat*+     
program involv+ a ,f$]al1 ,/ate1 or     
local ag5cy2 or  7#g7 if su* numb] is   
requir$ to be submitt$ z "p ( ! process 
= apply+ = any type ( ,f$]al1 ,/ate1 or 
local gov]nm5t b5efit or program2       
except t1 no?+ 9 ?is subsection %all be 
con/ru$ z p]mitt+ a pr(essional or      
comm]cial us] to display or sell a      
,social ,security numb] to ! g5]al      
public4  7f7 ,limitation ,no?+ 9 ?is    
section %all prohibit or limit !        
display1 sale1 or pur*ase ( ,social     
,security numb]s z p]mitt$ "u title ,v (
 ! ,gramm-,lea*-,bliley ,act1 or = !    
purpose ( affiliate %>+ z p]mitt$ "u !  
,fair ,cr$it ,report+ ,act1 except t no 
entity regulat$ "u su* ,acts may make   
,social ,security numb]s available to ! 
g5]al public1 z may be det]m9$ by !     
appropriate regulators "u su* ,acts4 ,= 
purposes ( ?is subsection1 ! g5]al      
public %all n include affiliates or     
unaffiliat$ ?ird-p>ty bus9ess entities z
 may be def9$ by ! appropriate          

regulators4  4  7#b7 ,con=m+ am5dm5t ,! 
*apt] analysis = *apt] #dg ( title #ah1 
,unit$ ,/ates ,code1 is am5d$ by ins]t+ 
aft] ! item relat+ to section #ajbh !   
foll[+3  #ajbh;,b4 ,prohibition ( !     
display1 sale1 or pur*ase ( ,social     
,security numb]s4  4  7b7 ,/udy2 report 
7#a7 ,9 g5]al ,! ,attorney ,g5]al %all  
conduct a /udy & prep>e a report on all 
( ! uses ( ,social ,security numb]s     
p]mitt$1 requir$1 au?oriz$1 or except$  
"u any ,f$]al law4 ,! report %all       
include a detail$ description ( ! uses  
all[$ z ( ! date ( enactm5t ( ?is ,act1 
! impact ( su* uses on privacy & data   
security1 & %all evaluate :e!r su* uses 
%\ld be cont9u$ or discont9u$ by        
appropriate legislative action4  7#b7   
,report ,n lat] ?an #a ye> aft] ! date (
 enactm5t ( ?is ,act1 ! ,attorney ,g5]al
 %all report to ,congress f9d+s "u ?is  
subsection4 ,! report %all include su*  
recomm5dations = legislation bas$ on    
crit]ia ! ,attorney ,g5]al det]m9es to  
be appropriate4  7c7 ,effective date ,! 

am5dm5ts made by ?is section %all take  
effect on ! date t is #cj days aft] !   
date on :i* ! f9al regulations          
promulgat$ "u section #e are publi%$ 9 !
 ,f$]al ,regi/]4  #f4 ,crim9al p5alties 
= ! misuse ( a ,social ,security numb]  
7a7 ,prohibition ( wrongful use z       
p]sonal id5tification numb] ,no p]son   
may obta9 any individual's ,social      
,security numb] = purposes ( locat+ or  
id5tify+ an individual ) ! int5t to     
physically injure1 h>m1 or use ! id5tity
 ( ! individual = any illegal purpose4  
7b7 ,crim9al sanctions ,section #bjh7;a7
 ( ! ,social ,security ,act 7#db        
,u4,s4,c4 #djh7;a77 is am5d$--  7#a7 9  
p>agraph 7#h71 by ins]t+ or aft] !      
semicolon2 &  7#b7 by ins]t+ aft]       
p>agraph 7#h7 ! foll[+3  7#i7 except z  
provid$ 9 subsections 7e7 & 7f7 (       
section #ajbh;,b ( title #ah1 ,unit$    
,/ates ,code1 kn[+ly & willfully        
displays1 sells1 or pur*ases 7z ^? t]ms 
are def9$ 9 section #ajbh;,b7a7 ( title 
#ah1 ,unit$ ,/ates ,code7 any           

individual's ,social ,security acc\nt   
numb] )\t hav+ met ! pr]equisites =     
cons5t "u section #ajbh;,b7d7 ( title   
#ah1 ,unit$ ,/ates ,code2  7#aj7 obta9s 
any individual's ,social ,security numb]
 = ! purpose ( locat+ or id5tify+ !     
individual ) ! int5t to injure or to h>m
 t individual1 or to use ! id5tity ( t  
individual = an illegal purpose2 or     
7#aa7 conspires to commit any (f5se     
describ$ 9 any ( p>agraphs 7#a7 ?r\gh   
7#d74  4  #g4 ,prohibition relat+ to    
ref]5ces to ,social ,security & ,m$ic>e 
9 electronic communications ,section    
#aadj7;a77#a7 ( ! ,social ,security ,act
 7#db ,u4,s4,c4 #acbj;b-#aj7;a77#a77 is 
am5d$ by ins]t+ 7includ+ any electronic 
communication7 aft] or o!r              
communication4  #h4 ,civil actions &    
civil p5alties  7a7 ,civil action 9     
,/ate c\rts  7#a7 ,9 g5]al ,any         
individual aggriev$ by an act ( any     
p]son 9 violation ( ?is ,act or any     
am5dm5ts made by ?is ,act may1 if       
o!rwise p]mitt$ by ! laws or rules ( !  

c\rt ( a ,/ate1 br+ 9 an appropriate    
c\rt ( t ,/ate--  7,a7 an action to     
enjo9 su* violation2  7,b7 an action to 
recov] = actual monet>y loss f su* a    
violation1 or to receive up to #ejj 9   
damages = ea* su* violation1 :i*ev] is  
great]2 or  7,c7 bo? su* actions4  ,x   
%all be an affirmative def5se 9 any     
action br\ght "u ?is p>agraph t !       
def5dant has e/abli%$ & implem5t$1 ) due
 c>e1 reasonable practices & proc$ures  
to effectively prev5t violations ( !    
regulations prescrib$ "u ?is ,act4 ,if !
 c\rt f9ds t ! def5dant willfully or    
kn[+ly violat$ ! regulations prescrib$  
"u ?is subsection1 ! c\rt may1 9 its    
discretion1 increase ! am\nt ( ! aw>d to
 an am\nt equal to n m ?an #c times !   
am\nt available "u subp>agraph 7,b74    
7#b7 ,/atute ( limitations ,an action   
may be comm5c$ "u ?is subsection n lat] 
?an ! e>li] (--  7,a7 #e ye>s aft] !    
date on :i* ! alleg$ violation occurr$2 
or  7,b7 #c ye>s aft] ! date on :i* !   
alleg$ violation 0 or %\ld h be5        

reasonably discov]$ by ! aggriev$       
individual4  7#c7 ,nonexclusive rem$y ,!
 rem$y provid$ "u ?is subsection %all be
 9 addition to any o!r rem$ies available
 to ! individual4  7b7 ,civil p5alties  
7#a7 ,9 g5]al ,any p]son :o ! ,attorney 
,g5]al det]m9es has violat$ any section 
( ?is ,act or ( any am5dm5ts made by ?is
 ,act %all be subject1 9 addition to any
 o!r p5alties t may be prescrib$ by     
law--  7,a7 to a civil p5alty ( n m ?an 
#e1jjj = ea* su* violation2 &  7,b7 to a
 civil p5alty ( n m ?an #ej1jjj1 if !   
violations h occurr$ ) su* frequ5cy z to
 con/itute a g5]al bus9ess practice4    
7#b7 ,det]m9ation ( violations ,any     
willful violation committ$              
contemporane\sly ) respect to ! ,social 
,security numb]s ( #b or m individuals  
by means ( mail1 telecommunication1 or  
o!rwise1 %all be treat$ z a sep>ate     
violation ) respect to ea* su*          
individual4  7#c7 ,en=cem5t proc$ures ,!
 provisions ( section #aabh;,a ( !      
,social ,security ,act 7#db ,u4,s4,c4   

#acbj;a-#g;a71 o!r ?an subsections 7a71 
7b71 7f71 7h71 7i71 7j71 7m71 & 7n7 & ! 
fir/ s5t5ce ( subsection 7c7 ( su*      
section1 & ! provisions ( subsections   
7d7 & 7e7 ( section #bje ( su* ,act 7#db
 ,u4,s4,c4 #dje7 %all apply to a civil  
p5alty action "u ?is subsection 9 ! same
 mann] z su* provisions apply to a      
p5alty or proce$+ "u section #aabh;,a7a7
 ( su* ,act 7#db ,u4,s4,c4              
#acbj;a-#g;a7a771 except t1 = purposes (
 ?is p>agraph1 any ref]5ce 9 section    
#aabh;,a ( su* ,act 7#db ,u4,s4,c4      
#acbj;a-#g;a7 to ! ,secret>y %all be    
deem$ to be a ref]5ce to ! ,attorney    
,g5]al4