,,ib ,union ,cal5d> ,no4 #chh #aae? ,,congress #b;d ,session ,h4 ,r4 #adeg ,report ,no4 #aae-ebc ,,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 ,janu>y #bb1 #bjah ,additional sponsors3 ,mr4 ,l\d]milk1 ,mrs4 ,roby1 ,mr4 ,byrne1 ,mr4 ,/iv]s1 ,mr4 ,"y ( ,alaska1 ,mr4 ,cook1 ,mr4 ,smi? ( ,texas1 ,mr4 ,poliqu91 ,mr4 ,meeks1 ,mr4 ,pitt5g]1 ,mr4 ,gonzalez ( ,texas1 ,mr4 ,royce ( ,cali=nia1 ,mr4 ,ro?fus1 ,mr4 ,lucas1 ,mr4 ,ku/(f ( ,t5nessee1 ,ms4 ,t5ney1 ,mr4 ,budd1 ,mr4 ,ru!r=d1 ,mr4 ,cri/1 ,mr4 ,mess]1 ,mr4 ,got!im]1 ,ms4 ,velzquez1 ,mr4 ,delaney1 ,mr4 ,francis ,rooney ( ,florida1 & ,mr4 ,valadao ,janu>y #bb1 #bjah ,report$ ) an am5dm5t1 committ$ to ! ,committee ( ! ,:ole ,h\se on ! ,/ate ( ! ,union1 & ord]$ to be pr9t$ ,/rike out all aft] ! enact+ clause & ins]t ! "p pr9t$ 9 italic ,= text ( introduc$ bill1 see copy ( bill z introduc$ on ,m>* #i1 #bjag ,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 ,mak+ onl9e bank+ initiation legal & easy 7a7 ,def9itions ,9 ?is section3 7#a7 ,affiliate ,! t]m affiliate has ! mean+ giv5 ! t]m 9 section #b ( ! ,bank ,hold+ ,company ,act ( #aief 7#ab ,u4,s4,c4 #ahda74 7#b7 ,driv]'s lic5se ,! t]m driv]'s lic5se means a lic5se issu$ by a ,/ate to an individual t 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$]al ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahbi;b72 7,b7 section #abc ( ,public ,law #ia-ejh 7#hd ,/at4 #aaaf72 & 7 sub*apt] ,,ii ( *apt] #ec ( title #ca1 ,unit$ ,/ates ,code4 7#d7 ,f$]ally recogniz$ ,indian ,tribe ,! t]m f$]ally recogniz$ ,indian ,tribe has ! mean+ giv5 ! t]m by ! ,secret>y ( ! ,int]ior "u section #ajd7;a7 ( ! ,f$]ally ,recogniz$ ,indian ,tribe ,li/ ,act ( #aiid 7#be ,u4,s4,c4 #eaca7;a774 7#e7 ,f9ancial in/itution ,! t]m f9ancial in/itution means-- 7,a7 an insur$ depository in/itution2 7,b7 an insur$ cr$it union2 or 7,c7 any affiliate ( an insur$ depository in/itution or insur$ cr$it union4 7#f7 ,f9ancial product or s]vice ,! t]m f9ancial product or s]vice has ! mean+ giv5 ! t]m 9 section #ajjb7ae7 ( ! ,consum] ,f9ancial ,protection ,act ( #bjaj 7#ab ,u4,s4,c4 #edha7ae774 7#g7 ,insur$ cr$it union ,! t]m insur$ cr$it union has ! mean+ giv5 ! t]m 9 section #aja ( ! ,f$]al ,cr$it ,union ,act 7#ab ,u4,s4,c4 #ageb74 7#h7 ,insur$ depository in/itution ,! t]m insur$ depository in/itution has ! mean+ giv5 ! t]m 9 section #c ( ! ,f$]al ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahac74 7#i7 ,onl9e s]vice ,! t]m onl9e s]vice means any ,int]net-bas$ s]vice1 su* z a ,web site or mobile application4 7#aj7 ,p]sonal id5tification c>d ,! t]m p]sonal id5tification c>d means an id5tification docum5t issu$ by a ,/ate1 local gov]nm5t1 or f$]ally recogniz$ ,indian ,tribe to an individual solely = ! purpose ( id5tification ( t individual4 7#aa7 ,p]sonal in=mation ,! t]m p]sonal in=mation means ! in=mation display$ on or electronically encod$ on a driv]'s lic5se or p]sonal id5tification c>d t is reasonably necess>y to fulfill ! purpose & uses p]mitt$ by subsection 7b74 7#ab7 ,/ate ,! t]m ,/ate means any ,/ate1 commonweal?1 t]ritory1 or possession ( ! ,unit$ ,/ates1 ! ,di/rict ( ,columbia1 ! ,commonweal? ( ,pu]to ,rico1 ! ,commonweal? ( ! ,nor!rn ,m>iana ,isl&s1 ,am]ican ,samoa1 ,guam1 or ! ,unit$ ,/ates ,virg9 ,isl&s4 7#ac7 ,scan ,! t]m scan means ! act ( us+ a device or s(tw>e to deciph]1 9 an electronically readable =mat1 p]sonal in=mation display$ on or electronically encod$ on a driv]'s lic5se or p]sonal id5tification c>d4 7b7 ,use ( a driv]'s lic5se or p]sonal id5tification c>d 7#a7 ,9 g5]al ,:5 an individual initiates a reque/ ?r\gh an onl9e s]vice to op5 an acc\nt ) a f9ancial in/itution or obta9 a f9ancial product or s]vice f a f9ancial in/itution1 ! f9ancial in/itution may record p]sonal in=mation f a scan ( ! driv]'s lic5se or p]sonal id5tification c>d ( ! individual1 or make a copy or receive an image ( ! driv]'s lic5se or p]sonal id5tification c>d ( ! individual1 & /ore or reta9 su* in=mation 9 any electronic =mat = ! purposes describ$ 9 p>agraph 7#b74 7#b7 ,uses ( in=mation ,except z requir$ to comply ) ,f$]al bank secrecy laws1 a f9ancial in/itution may only use ! in=mation obta9$ "u p>agraph 7#a7-- 7,a7 to v]ify ! au!nticity ( ! 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+ an acc\nt or obta9+ a f9ancial product or s]vice4 7#c7 ,deletion ( image ,a f9ancial in/itution t makes a copy or receives an image ( a driv]'s lic5se or p]sonal id5tification c>d ( an individual 9 accordance ) p>agraph 7#a7 %all1 aft] us+ ! image = ! purposes describ$ 9 p>agraph 7#b71 p]man5tly delete1 )9 a reasonable am\nt ( "t-- 7,a7 any image ( ! driv]'s lic5se or p]sonal id5tification c>d1 z applicable2 & 7,b7 any copy ( any su* image4 7c7 ,disclosure ( p]sonal in=mation ,no?+ 9 ?is section %all be con/ru$ to am5d1 modify1 or o!rwise affect any ,/ate or ,f$]al laws t gov]n a f9ancial in/itution's disclosure & security ( p]sonal in=mation t is n publicly available4 7d7 ,relation to ,/ate law ,! provisions ( ?is section %all preempt & sup]s$e any ,/ate law t conflicts ) a provision ( ?is section1 b only to ! ext5t ( su* conflict4 ,janu>y #bb1 #bjah ,report$ ) an am5dm5t1 committ$ to ! ,committee ( ! ,:ole ,h\se on ! ,/ate ( ! ,union1 & ord]$ to be pr9t$