,i  #aae? ,,congress  #a/ ,session  ,h4 
,r4 #adeg  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,m>* #i1 #bjag ,mr4   
,tipton 7= himself1 ,mr4 ,hultgr51 ,mr4 
,mc,henry1 ,ms4 ,sewell ( ,alabama1 ,ms4
 ,s9ema1 & ,mr4 ,david ,scott (         
,georgia7 introduc$ ! foll[+ bill2 :i* 0
 ref]r$ to ! ,committee on ,f9ancial    
,s]vices  ,a ,,bill  ,to e/abli%        
requirem5ts = use ( a driv]'s lic5se or 
p]sonal id5tification c>d by c]ta9      
f9ancial in/itutions = op5+ an acc\nt or
 obta9+ a f9ancial product or s]vice1 & 
= o!r purposes4  #a4 ,%ort title ,?is   
,act may be cit$ z ! ,mak+ ,onl9e ,bank+
 ,initiation ,legal & ,easy ,act ( #bjag
 or ! ,,mobile ,act ( #bjag4  #b4       
,def9itions ,9 ?is ,act3  7#a7          
,affiliate ,! t]m affiliate has ! mean+ 
giv5 su* t]m 9 section #b7k7 ( ! ,bank  
,hold+ ,company ,act ( #aief 7#ab       
,u4,s4,c4 #ahda7k774  7#b7 ,driv]'s     
lic5se ,! t]m driv]'s lic5se means a    
lic5se issu$ by a ,/ate to an individual
 :i* au?orizes ! individual to op]ate a 

motor vehicle on public /reets1 roads1  
or highways4  7#c7 ,f$]al bank secrecy  
laws ,! t]m ,f$]al bank secrecy laws    
means-- 7,a7 section #ba ( ! ,f$]al     
,deposit ,insurance ,act 7#ab ,u4,s4,c4 
#ahbi;b72  7,b7 section #abc ( ,public  
,law #ia-ejh2 &  7,c7 sub*apt] ,,ii (   
*apt] #ec ( title #ca1 ,unit$ ,/ates    
,code4  7#d7 ,f9ancial in/itution ,! t]m
 f9ancial in/itution means-- 7,a7 an    
insur$ depository in/itution1 z def9$ 9 
section #c ( ! ,f$]al ,deposit          
,insurance ,act 7#ab ,u4,s4,c4 #ahac72  
7,b7 an insur$ cr$it union1 z def9$ 9   
section #aja ( ! ,f$]al ,cr$it ,union   
,act 7#ab ,u4,s4,c4 #ageb72 or  7,c7 any
 affiliate ( an insur$ depository       
in/itution or insur$ cr$it union4  7#e7 
,f9ancial product or s]vice ,! t]m      
f9ancial product or s]vice has ! mean+  
giv5 su* t]m 9 section #ajjb7ae7 ( !    
,consum] ,f9ancial ,protection ,act (   
#bjaj 7#ab ,u4,s4,c4 #edha7ae774  7#f7  
,p]sonal id5tification c>d ,! t]m       
p]sonal id5tification c>d means an      

id5tification docum5t issu$ by a ,/ate  
or local gov]nm5t to an individual      
solely = ! purpose ( id5tification ( su*
 individual4  7#g7 ,/ate ,! t]m ,/ate   
means any ,/ate ( ! ,unit$ ,/ates1 !    
,di/rict ( ,columbia1 ! ,commonweal? (  
,pu]to ,rico1 & any o!r commonweal?1    
possession1 or t]ritory ( ! ,unit$      
,/ates4  7#h7 ,swipe ,! t]m swipe means 
! act ( us+ a device on a driv]'s lic5se
 or p]sonal id5tification c>d to        
deciph]1 9 an electronically readable   
=mat1 p]sonal in=mation display$ on or  
electronically encod$ on ! driv]'s      
lic5se or p]sonal id5tification c>d4    
#c4 ,use ( a driv]'s lic5se or p]sonal  
id5tification c>d  7a7 ,9 g5]al ,) !    
cons5t ( an individual1 a f9ancial      
in/itution may record p]sonal in=mation 
f a swipe ( ! individual's driv]'s      
lic5se or p]sonal id5tification c>d1 or 
make a copy or receive an image ( !     
individual's driv]'s lic5se or p]sonal  
id5tification c>d1 & /ore or reta9 su*  
in=mation 9 any electronic =mat =       

purposes ( op5+ an acc\nt ) ! f9ancial  
in/itution or obta9+ a f9ancial product 
or s]vice f ! f9ancial in/itution4      
,except z requir$ to comply ) ,f$]al    
bank secrecy laws1 ! f9ancial in/itution
 may only use ! p]sonal in=mation-- 7#a7
 to v]ify ! au!nticity ( ! driv]'s      
lic5se or p]sonal id5tification c>d ) ! 
,/ate t issu$ ! driv]'s lic5se or       
p]sonal id5tification c>d2  7#b7 to     
v]ify ! id5tity ( ! individual2 &  7#c7 
to comply ) a legal requirem5t to       
record1 reta91 or transmit ! p]sonal    
in=mation 9 connection ) op5+ ! acc\nt  
or obta9+ ! f9ancial product or s]vice4 
7b7 ,notice to consum] ,a f9ancial      
in/itution t swipes or copies an        
individual's driv]'s lic5se or p]sonal  
id5tification c>d 9 accordance )        
subsection 7a7 %all in=m ! individual   
ab\t ! type ( in=mation collect$4  7c7  
,re/rictions on use ( in=mation ,except 
z o!rwise provid$ by law1 a f9ancial    
in/itution t obta9s in=mation f a swipe 
or a copy ( a driv]'s lic5se or p]sonal 

id5tification c>d z describ$ 9          
subsection 7a7 may n sell1 r5t1 transf]1
 or make ! p]sonal in=mation available  
to ano!r p]son 7o!r ?an an affiliate74  
#d4 ,relation to ,/ate law ,! provisions
 ( ?is ,act %all preempt & sup]s$e any  
,/ate law t conflicts ) a provision (   
?is ,act1 b only to ! ext5t ( su*       
conflict4