,i  #aae? ,,congress  #a/ ,session  ,h4 
,r4 #bcei  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,may #d1 #bjag,mr4    
,l\d]milk 7= himself1 ,mr4 ,royce (     
,cali=nia1 ,mr4 ,budd1 ,mr4 ,k+ ( ,new  
,york1 & ,mrs4 ,wagn]7 introduc$ !      
foll[+ bill2 :i* 0 ref]r$ to !          
,committee on ,f9ancial ,s]vices1 & 9   
addition to ! ,committee on ! ,judici>y1
 = a p]iod to be subsequ5tly det]m9$ by 
! ,speak]1 9 ea* case = consid]ation (  
su* provisions z fall )9 ! jurisdiction 
( ! committee conc]n$  ,a ,,bill  ,to   
am5d ! civil liability requirem5ts "u ! 
,fair ,cr$it ,report+ ,act to include   
requirem5ts relat+ to class actions1 & =
 o!r purposes4  #a4 ,%ort title ,?is    
,act may be cit$ z ! ,,fcra ,liability  
,h>monization ,act4  #b4 ,ma9ta9+       
consi/5cy 9 civil liability "u ! ,fair  
,cr$it ,report+ ,act = class actions    
7a7 ,willful noncompliance ,section #faf
 ( ! ,fair ,cr$it ,report+ ,act 7#ae    
,u4,s4,c4 #afhan7 is am5d$--  7#a7 9    
subsection 7a7-- 7,a7 by /rik+ p>agraph 

7#b72  7,b7 by r$esignat+ p>agraph 7#c7 
z p>agraph 7#b72 &  7,c7 9 p>agraph     
7#a77;,b71 by ins]t+ & aft] ! semicolon2
  7#b7 by r$esignat+ subsection 7d7 z   
subsection 7e72 &  7#c7 by ins]t+ aft]  
subsection 7c7 ! foll[+ new subsection3 
7d7 ,class action lawsuits ,) respect to
 a class action 7z su* t]m is def9$ 9   
section #agaa ( title #bh1 ,unit$ ,/ates
 ,code71 or s]ies ( class actions aris+ 
out ( ! same failure to comply ( a      
p]son1 br\ght by consum]s aga9/ a p]son 
:o willfully fails to comply ) any      
requirem5t impos$ "u ?is title1 su*     
p]son is liable to su* consum]s 9 su* an
 am\nt z a c\rt may det]m9e1 except t-- 
7#a7 ! c\rt may n apply a m9imum am\nt (
 damages = ea* memb] ( ! class2 &  7#b7 
! total recov]y 7exclud+ reasonable     
attorney's fees z det]m9$ by ! c\rt7 ( !
 class %all n exce$ ! less] (--  7,a7   
#ejj1jjj2 or  7,b7 #a p]c5t ( ! net wor?
 ( su* p]son4  4  7b7 ,neglig5t         
noncompliance ,section #fag ( ! ,fair   
,cr$it ,report+ ,act 7#ae ,u4,s4,c4     

#afhao#g7 is am5d$ by add+ at ! end !   
foll[+ new subsection3  7c7 ,class      
action lawsuits ,) respect to a class   
action 7z su* t]m is def9$ 9 section    
#agaa ( title #bh1 ,unit$ ,/ates ,code71
 or s]ies ( class actions aris+ out ( ! 
same failure to comply ( a p]son1 br\ght
 by consum]s aga9/ a p]son :o neglig5tly
 fails to comply ) any requirem5t impos$
 "u ?is title1 su* p]son is liable to   
su* consum]s 9 an am\nt equal to ! sum (
 any actual damages su/a9$ by ! consum]s
 z a result ( ! failure1 except t !     
total recov]y 7exclud+ reasonable       
attorney's fees z det]m9$ by ! c\rt7 ( !
 class %all n exce$ ! less] (--  7#a7   
#ejj1jjj2 or  7#b7 #a p]c5t ( ! net wor?
 ( su* p]son4  4