,,ii  #aad? ,,congress  #a/ ,session    
,s4 #ffh  ,,9 ,,! ,,s5ate ,,( ,,!       
,,unit$ ,,/ates  ,m>* #d1 #bjae,mr4     
,m>key 7= himself1 ,mr4 ,blum5?al1 ,mr4 
,:iteh\se1 & ,mr4 ,frank57 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 ,act
 ( #bjae4  #b4 ,def9itions ,9 ?is ,act3 
7#a7 ,commission ,! t]m ,commission     
means ! ,f$]al ,trade ,commission4  7#b7
 ,cov]$ data brok]  7,a7 ,9 g5]al ,! t]m
 cov]$ data brok] includes all data     
brok]s except ^? data brok]s except$ "u 
subp>agraph 7,b74  7,b7 ,exceptions ,!  
,commission may except a data brok] if !
 ,commission consid]s1 by rule1 a data  
brok] outside ! scope ( ?is ,act1 su* z 
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]s4  7#c7 ,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#d7      
,non-public in=mation ,! t]m non-public 
in=mation means in=mation ab\t an       
individual t is-- 7,a7 ( a private      
nature2  7,b7 n available to ! g5]al    
public2 &  7,c7 n obta9$ f a public     
record4  7#e7 ,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 ,a cov]$ data    
brok] may n 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 !   
cov]$ data brok] kn[s or %\ld "k-- 7#a7 
to be =g$1 c\nt]feit1 lo/1 /ol51 or     
fraudul5tly obta9$2 or  7#b7 conta9s a  
false1 fictiti\s1 or fraudul5t /atem5t  
or repres5tation4  7b7 ,solicitation ,a 
cov]$ data brok] may n reque/ a p]son to
 obta9 p]sonal in=mation1 or any o!r    
in=mation1 relat+ to any o!r p]son if ! 
cov]$ 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         
,requirem5ts conc]n+ accuracy ( & access
 to p]sonal in=mation  7a7 ,accuracy    
7#a7 ,9 g5]al ,except z provid$ 9       

p>agraph 7#b71 a cov]$ data brok] %all  
e/abli% proc$ures to ensure1 to !       
maximum ext5t practicable1 ! accuracy   
(-- 7,a7 ! p]sonal in=mation x collects1
 assembles1 or ma9ta9s2 &  7,b7 any o!r 
in=mation x collects1 assembles1 or     
ma9ta9s t specifically id5tifies an     
individual1 unless ! in=mation only     
id5tifies an individual's "n or address4
  7#b7 ,exception ,a cov]$ 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  7b7 ,consum] access  
7#a7 ,9 g5]al ,subject to p>agraph 7#d71
 a cov]$ 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 !
 cov]$ data brok] collects1 assembles1  
or ma9ta9s on t individual4  7#b7       
,review requirem5ts ,! means = review "u
 p>agraph 7#a7 %all be provid$-- 7,a7 at
 an individual's reque/2  7,b7 aft]     
v]ify+ ! id5tity ( ! individual2  7,c7  
at lea/ #a "t p] ye>2  7,d7 at no co/ to
 ! individual2 &  7,e7 9 a =mat t c be  
readily und]/ood by a consum]1 z det]m9$
 by ! ,commission4  7#c7 ,p]iod ( review
 ,a cov]$ data brok] %all provide an    
individual ! means requir$ "u p>agraph  
7#a7 )9 su* p]iod aft] receiv+ a reque/ 
f su* individual z ! ,commission %all   
det]m9e1 by rule1 is appropriate4  7#d7 
,exceptions ,! ,commission may1 by rule1
 e/abli% su* exceptions to p>agraph 7#a7
 z ! ,commission consid]s appropriate1  
su* z = *ild protection1 law en=cem5t1  
fraud prev5tion1 or o!r gov]nm5t        
purposes4  7#e7 ,limitation on use (    
v]ify+ in=mation ,if a cov]$ data brok] 
collects in=mation f an individual to   

v]ify ! id5tity ( ! individual "u       
p>agraph 7#b77;,b7 t ! data brok] did n 
h be=e su* collection1 ! data brok] may 
n use su* in=mation = any purpose o!r   
?an = purposes ( v]ify+ ! id5tity ( !   
individual "u su* p>agraph4  7c7        
,disput$ in=mation  7#a7 ,9 g5]al ,an   
individual ^: p]sonal in=mation is      
ma9ta9$ by a cov]$ data brok] may       
dispute ! accuracy ( any in=mation      
describ$ "u subsection 7b77#a7 by       
reque/+1 9 writ+1 t ! cov]$ data brok]  
correct ! in=mation4  7#b7 ,correction  
requirem5ts ,a cov]$ data brok]1 aft]   
v]ify+ ! id5tity ( an individual mak+ a 
reque/ "u p>agraph 7#a7 to correct      
in=mation1 & unless !re are reasonable  
gr\nds to believe ! reque/ is frivol\s  
or irrelevant1 %all-- 7,a7 ) reg>d to   
public record in=mation-- 7i7 in=m !    
individual ( ! s\rce ( ! in=mation &1 if
 reasonably available1 :]e to direct !  
individual's reque/ = correction2 or    
7ii7 if ! individual provides pro( t !  
public record has be5 correct$ or t !   

cov]$ data brok] 0 report+ ! in=mation  
incorrectly1 correct ! inaccuracy 9 !   
cov]$ data brok]'s records2 &  7,b7 )   
reg>d to non-public in=mation-- 7i7 note
 ! in=mation t is disput$1 includ+ !    
individual's writt5 reque/2  7ii7 if !  
in=mation c be indep5d5tly v]ifi$1 use !
 proc$ures e/abli%$ "u subsection 7a7 to
 indep5d5tly v]ify ! in=mation2 &  7iii7
 if ! cov]$ data brok] 0 report+ !      
in=mation incorrectly1 correct !        
inaccuracy 9 ! cov]$ data brok]'s       
records4  7#c7 ,p]iod ( correction ,9 a 
case 9 :i* a cov]$ data brok] is subject
 to a requirem5t "u p>agraph 7#b7 due to
 a reque/ made by an individual "u      
p>agraph 7#a71 su* cov]$ data brok] %all
 take su* action z may be requir$ to    
satisfy su* requirem5t )9 su* p]iod z ! 
,commission %all det]m9e1 by rule1 is   
appropriate4  7d7 ,notice  7#a7 ,9 g5]al
 ,a cov]$ data brok] %all ma9ta9 an     
,int]net website & place a cle> &       
conspicu\s notice on t ,int]net website 
in/ruct+ an individual h[-- 7,a7 to     

review in=mation "u subsection 7b77#a72 
&  7,b7 to express a pref]5ce "u        
subsection 7e77#b74  7#b7 ,=m ,a cov]$  
data brok] %all ensure t ! notice !     
cov]$ data brok] places "u p>agraph 7#a7
 con=ms to su* model =m z ! ,commission 
%all promulgate = purposes ( ?is        
subsection4  7e7 ,c]ta9 m>ket+ in=mation
  7#a7 ,9 g5]al ,a cov]$ data brok] may 
n use1 %>e1 or sell any in=mation =     
m>ket+ purposes t is subject to an      
express$ pref]5ce "u p>agraph 7#b74     
7#b7 ,expression ( pref]5ces ,a cov]$   
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 ! cov]$ data brok] ma9ta9s ) a
 reasonable means ( express+ a pref]5ce 
n to h t individual's in=mation us$ = ^?
 purposes4  7f7 ,audit+  7#a7 ,9 g5]al  
,subject to p>agraph 7#b71 ea* cov]$    
data brok] %all 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 ! cov]$ data brok]4  7#b7    
,exceptions ,! ,commission may e/abli%1 
by rule1 su* exceptions to p>agraph 7#a7
 z ! ,commission consid]s appropriate to
 fur!r or protect law en=cem5t or       
national security activities4  7g7      
,p]sons regulat$ by ! ,fair ,cr$it      
,report+ ,act ,a cov]$ data brok] %all  
be consid]$ to be 9 compliance ) ?is    
section ) respect to in=mation t is     
subject to ! ,fair ,cr$it ,report+ ,act 
7#ae ,u4,s4,c4 #afha et seq47 if ! cov]$
 data brok] is 9 compliance ) sections  
#fji1 #faj1 & #faa ( t ,act 7#ae        
,u4,s4,c4 #afha;g1 #afha;h1 #afha;i74   
#e4 ,regulations  7a7 ,9 g5]al ,n lat]  
?an #a ye> aft] ! date ( ! enactm5t (   
?is ,act1 ! ,commission %all promulgate 
regulations "u section #eec ( title #e1 
,unit$ ,/ates ,code1 to c>ry out ?is    
,act4  7b7 ,elem5ts ,! regulations      
promulgat$ "u subsection 7a7 %all       
include ! foll[+3 7#a7 ,su* exceptions !

 ,commission consid]s appropriate to    
promulgate "u section #b7b77;,b74  7#b7 
,! p]iod ( review requir$ "u section    
#d7;b77#c74  7#c7 ,su* exceptions z !   
,commission consid]s appropriate to     
promulgate "u section #d7;b77#d74  7#d7 
,! p]iod ( correction requir$ "u section
 #d7;c77#c74  7#e7 ,! model =m requir$  
by section #d7;d77#b74  7#f7            
,requirem5ts = audit+ "u p>agraph 7#a7 (
 section #d7;f7 & su* exceptions "u     
p>agraph 7#b7 ( su* section z !         
,commission consid]s appropriate4  7#g7 
,e/abli%m5t ( a c5traliz$ ,int]net      
website = ! b5efit ( consum]s t-- 7,a7  
li/s ! cov]$ data brok]s t are subject  
to a requirem5t ( section #d2 &  7,b7   
provides in=mation to consum]s ab\t _!  
rights "u ?is ,act4  7#h7 ,su* o!r      
regulations z ! ,commission consid]s    
appropriate to c>ry out ?is ,act4  #f4  
,en=cem5t  7a7 ,en=cem5t by ,f$]al      
,trade ,commission  7#a7 ,unfair or     
deceptive acts or practices ,a violation
 ( section #c or #d or a regulation     

promulgat$ "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$]al ,trade      
,commission ,act 7#ae ,u4,s4,c4         
#eg;a7a77#a77;,b774  7#b7 ,p[]s (       
,commission  7,a7 ,9 g5]al ,!           
,commission %all en=ce ?is ,act 9 ! same
 mann]1 by ! same means1 & ) ! same     
jurisdiction1 p[]s1 & duties z ?\gh all 
applicable t]ms & provisions ( ! ,f$]al 
,trade ,commission ,act 7#ae ,u4,s4,c4  
#da et seq47 7 incorporat$ into & made a
 "p ( ?is ,act4  7,b7 ,privileges &     
immunities ,any p]son :o violates a     
regulation prescrib$ "u ?is ,act %all be
 subject to ! p5alties & entitl$ to !   
privileges & immunities provid$ 9 !     
,f$]al ,trade ,commission ,act 7#ae     
,u4,s4,c4 #da et seq474  7b7 ,en=cem5t  
by ,/ates  7#a7 ,civil action ,except z 
provid$ "u p>agraph 7#e71 9 any case 9  
:i* ! attorney g5]al ( a ,/ate has      
reason to believe t an int]e/ ( !       
resid5ts ( t ,/ate has be5 or is ?reat5$

 or adv]sely affect$ by any p]son       
subject to a provision ( section #c or  
#d or a regulation promulgat$ "u ?is    
,act 9 a practice t violates su*        
provision or regulation1 ! attorney     
g5]al ( ! ,/ate may1 z p>5s patriae1 br+
 a civil action on behalf ( ! resid5ts (
 ! ,/ate 9 an appropriate di/rict c\rt (
 ! ,unit$ ,/ates-- 7,a7 to enjo9 fur!r  
violation ( su* provision or regulation 
by su* p]son2  7,b7 to compel compliance
 ) su* provision or regulation2  7,c7 to
 obta9 damages1 re/itution1 or o!r      
comp5sation on behalf ( su* resid5ts2   
7,d7 to obta9 su* o!r relief z ! c\rt   
consid]s appropriate2 or  7,e7 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;,e71 !  
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 ,rights ( ,f$]al ,trade ,commission
  7,a7 ,notice to ,f$]al ,trade         
,commission  7i7 ,9 g5]al ,except z     
provid$ 9 clause 7iii71 ! attorney g5]al
 ( a ,/ate %all notify ! ,commission 9  
writ+ t ! attorney g5]al int5ds to br+ a
 civil action "u p>agraph 7#a7 be=e     
initiat+ ! civil action4  7ii7 ,cont5ts 
,! notification requir$ by clause 7i7 ) 
respect to a civil action %all include a
 copy ( ! compla9t to be fil$ to        
initiate ! civil action4  7iii7         
,exception ,if x is n feasible = !      
attorney g5]al ( a ,/ate to provide !   
notification requir$ by clause 7i7 be=e 
initiat+ a civil action "u p>agraph     
7#a71 ! attorney g5]al %all notify !    

,commission imm$iately ^u in/itut+ !    
civil action4  7,b7 ,int]v5tion by      
,f$]al ,trade ,commission ,! ,commission
 may-- 7i7 int]v5e 9 any civil action   
br\ght by ! attorney g5]al ( a ,/ate "u 
p>agraph 7#a72 &  7ii7 ^u int]v5+-- 7,i7
 be he>d on all matt]s aris+ 9 ! civil  
action2 &  7,,ii7 file petitions =      
appeal ( a decision 9 ! civil action4   
7#d7 ,inve/igatory p[]s ,no?+ 9 ?is     
subsection may be con/ru$ to prev5t !   
attorney g5]al ( a ,/ate f ex]cis+ !    
p[]s conf]r$ on ! attorney g5]al by !   
laws ( ! ,/ate to conduct inve/igations1
 to adm9i/] oa?s or affirmations1 or to 
compel ! att5dance ( witnesses or !     
production ( docum5t>y or o!r evid5ce4  
7#e7 ,preemptive action by ,f$]al ,trade
 ,commission ,if ! ,commission in/itutes
 a civil action or an adm9i/rative      
action ) respect to a violation ( a     
provision ( section #c or #d or a       
regulation promulgat$ "u ?is ,act1 !    
attorney g5]al ( a ,/ate may n1 dur+ !  
p5d5cy ( su* action1 br+ a civil action 

"u p>agraph 7#a7 aga9/ any def5dant nam$
 9 ! compla9t ( ! ,commission = !       
violation ) respect to :i* ! ,commission
 in/itut$ su* action4  7#f7 ,actions by 
o!r ,/ate (ficials  7,a7 ,9 g5]al ,9    
addition to civil actions br\ght by     
attorneys g5]al "u p>agraph 7#a71 any   
o!r (fic] ( a ,/ate :o is au?oriz$ by ! 
,/ate to d s may br+ a civil action "u  
p>agraph 7#a71 subject to ! same        
requirem5ts & limitations t apply "u ?is
 subsection to civil actions br\ght by  
attorneys g5]al4  7,b7 ,sav+s provision 
,no?+ 9 ?is subsection may be con/ru$ to
 prohibit an au?oriz$ (ficial ( a ,/ate 
f initiat+ or cont9u+ any proce$+ 9 a   
c\rt ( ! ,/ate = a violation ( any civil
 or crim9al law ( ! ,/ate4  #g4 ,effect 
on o!r laws  7a7 ,pres]vation (         
,commission au?ority ,no?+ 9 ?is ,act   
may be con/ru$ 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