,,ii  #aad? ,,congress  #a/ ,session    
,s4 #bbaf  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,octob] #bh1 #bjae ,ms4
 ,coll9s 7= h]self & ,mrs4 ,mc,caskill7 
introduc$ ! foll[+ bill2 :i* 0 read     
twice & ref]r$ to ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to provide immunity f suit =   
c]ta9 individuals :o disclose pot5tial  
examples ( f9ancial exploitation ( s5ior
 citiz5s1 & = o!r purposes4  #a4 ,%ort  
title  ,?is ,act may be cit$ z !        
,s5iorafe ,act ( #bjae4  #b4 ,immunity  
7a7 ,def9itions ,9 ?is ,act-- 7#a7 ! t]m
 bank has ! mean+ giv5 ! t]m 9 section  
#bjb7;a7 ( ! ,inve/m5t ,advis]s ,act (  
#aidj 7#ae ,u4,s4,c4 #hj;b-#b7;a772     
7#b7 ! t]m brok]-deal] means-- 7,a7 a   
brok]1 z def9$ 9 section #c7;a7 ( !     
,securities ,ex*ange ,act ( #aicd 7#ae  
,u4,s4,c4 #gh;c7a772 or  7,b7 a deal]1 z
 def9$ 9 section #c7;a7 ( ! ,securities 
,ex*ange ,act ( #aicd 7#ae ,u4,s4,c4    
#gh;c7a772  7#c7 ! t]m cov]$ ag5cy      
means--  7,a7 a ,/ate f9ancial          

regulatory ag5cy2  7,b7 ea* ( ! ,f$]al  
f9ancial in/itutions regulatory ag5cies2
  7,c7 a law en=cem5t ag5cy2 &  7,d7 !  
adult protective s]vices ag5cy ( a      
,/ate2  7#d7 ! t]m cov]$ f9ancial       
in/itution means-- 7,a7 a bank2  7,b7 a 
cr$it union2  7,c7 an inve/m5t advis]2 &
  7,d7 a brok]-deal]2  7#e7 ! t]m cr$it 
union has ! mean+ giv5 ! t]m 9 section  
#b ( ! ,dodd-,frank ,wall ,/reet ,re=m &
 ,consum] ,protection ,act 7#ab         
,u4,s4,c4 #ecja72  7#f7 ! t]m           
exploitation has ! mean+ giv5 ! t]m 9   
section #bjaa ( ! ,social ,security ,act
 7#db ,u4,s4,c4 #acig;j72  7#g7 ! t]m   
,f$]al f9ancial in/itutions regulatory  
ag5cies has ! mean+ giv5 ! t]m 9 section
 #ajjc ( ! ,f$]al ,f9ancial ,in/itutions
 ,exam9ation ,c\ncil ,act ( #aigh 7#ab  
,u4,s4,c4 #ccjb72  7#h7 ! t]m inve/m5t  
advis] has ! mean+ giv5 ! t]m 9 section 
#bjb ( ! ,inve/m5t ,advis]s ,act ( #aidj
 7#ae ,u4,s4,c4 #hj;b-#b72 &  7#i7 ! t]m
 s5ior citiz5 means an individual :o is 
n less ?an #fe ye>s ( age4  7b7         

,immunity f suit  7#a7 ,immunity =      
individuals ,not)/&+ section #ejb ( !   
,gramm-,lea*-,bliley ,act 7#ae ,u4,s4,c4
 #fhjb71 includ+ any regulations adopt$ 
!reund]1 an individual :o has receiv$ ! 
tra9+ describ$ 9 section #c %all n be   
liable1 includ+ 9 any civil or          
adm9i/rative proce$+1 = disclos+ !      
possible exploitation ( a s5ior citiz5  
to a cov]$ ag5cy if ! individual1 at !  
"t ( ! disclosure--  7,a7 s]v$ z a      
sup]visor1 compliance (fic]1 or legal   
advisor = a cov]$ f9ancial in/itution2 &
  7,b7 made ! disclosure-- 7i7 9 good   
fai?2 &  7ii7 ) reasonable c>e4  7#b7   
,immunity = cov]$ f9ancial in/itutions  
,not)/&+ section #ejb ( !               
,gramm-,lea*-,bliley ,act 7#ae ,u4,s4,c4
 #fhjb71 includ+ any regulations adopt$ 
!reund]1 a cov]$ f9ancial in/itution    
%all n be liable1 includ+ 9 any civil or
 adm9i/rative proce$+1 = a disclosure   
made by an individual describ$ 9        
p>agraph 7#a7 if--  7,a7 ! individual 0 
employ$ by ! cov]$ f9ancial in/itution  

at ! "t ( ! disclosure2 &  7,b7 be=e !  
"t ( ! disclosure1 ! cov]$ f9ancial     
in/itution provid$ ! tra9+ describ$ 9   
section #c to ea* (fic] or employee ( ! 
cov]$ f9ancial in/itution describ$ 9    
section #c7;a74  #c4 ,tra9+ requir$  7a7
 ,9 g5]al ,a cov]$ f9ancial in/itution  
may provide tra9+ reg>d+ ! id5tification
 & report+ ( ! suspect$ exploitation ( a
 s5ior citiz5 to ea* (fic] or employee (
 ! cov]$ f9ancial in/itution :o--  7#a7 
is describ$ 9 section #b7;b77#a77;,a72  
7#b7 may come into contact ) a s5ior    
citiz5 z a regul> "p ( ! duties ( !     
(fic] or employee2 or  7#c7 may review  
or approve ! f9ancial docum5ts1 records1
 or transactions ( a s5ior citiz5 9     
connection ) provid+ f9ancial s]vices to
 a s5ior citiz54  7b7 ,tra9+ ,! tra9+   
requir$ "u subsection 7a7 %all be       
provid$ z soon z reasonably practicable 
b n m ?an #ab mon?s aft] ! date on :i*  
an (fic] or employee beg9s employm5t ) !
 cov]$ f9ancial in/itution4  #d4        
,preemption ,no?+ 9 ?is ,act %all be    

con/ru$ to preempt or limit any         
provision ( ,/ate law1 to ! ext5t t any 
provision ( ,/ate law provides a simil> 
or great] level ( protection aga9/      
liability to an individual describ$ 9   
section #b7;b77#a7 or a cov]$ f9ancial  
in/itution describ$ 9 section #b7;b77#b7
 ?an is provid$ "u ^? sections4