,,ib  ,union ,cal5d> ,no4 #dhg  #aae?   
,,congress  #b;d ,session  ,h4 ,r4 #eaib
  ,report ,no4 #aae-fcf  ,,9 ,,! ,,h\se 
,,( ,,repres5tatives  ,m>* #g1 #bjah    
,mr4 ,curbelo ( ,florida 7= himself1    
,mr4 ,m>*ant1 ,ms4 ,s9ema1 & ,mr4       
,hultgr57 introduc$ ! foll[+ bill2 :i* 0
 ref]r$ to ! ,committee on ,ways &      
,means  ,april #ac1 #bjah;,additional   
sponsors3 ,mr4 ,royce ( ,cali=nia1 ,mr4 
,mess]1 ,mr4 ,mc,henry1 ,mr4 ,himes1    
,mr4 ,p]lmutt]1 ,mr4 ,duffy1 ,mr4       
,huiz5ga1 ,mr4 ,delaney1 ,mr4 ,sessions1
 ,mr4 ,tipton1 & ,mr4 ,"y ( ,i[a  ,april
 #ac1 #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>* #g1 #bjah  ,a ,,bill 
,to au?orize ! ,commission] ( ,social   
,security to provide confirmation (     
fraud protection data to c]ta9 p]mitt$  
entities1 & = o!r purposes4  #a4 ,%ort  

title ,?is ,act may be cit$ z !         
,protect+ ,*ildr5 f ,id5tity ,!ft ,act4 
#b4 ,r$uc+ id5tity fraud  7a7 ,purpose  
,! purpose ( ?is section is to r$uce !  
preval5ce ( syn!tic id5tity fraud1 :i*  
disproportionally affects vuln]able     
populations1 su* z m9ors & rec5t        
immigrants1 by facilitat+ ! validation  
by p]mitt$ entities ( fraud protection  
data1 pursuant to electronically receiv$
 consum] cons5t1 ?r\gh use ( a database 
ma9ta9$ by ! ,commission]4  7b7         
,def9itions ,9 ?is section3 7#a7        
,commission] ,! t]m ,commission] means !
 ,commission] ( ! ,social ,security     
,adm9i/ration4  7#b7 ,f9ancial          
in/itution ,! t]m f9ancial in/itution   
has ! mean+ giv5 ! t]m 9 section #eji ( 
! ,gramm-,lea*-,bliley ,act 7#ae        
,u4,s4,c4 #fhji74  7#c7 ,fraud          
protection data ,! t]m fraud protection 
data means a comb9ation ( ! foll[+      
in=mation ) respect to an individual3   
7,a7 ,! "n ( ! individual 7includ+ !    
fir/ "n & any family =5ame or surname ( 

! individual74  7,b7 ,! ,social         
,security acc\nt numb] ( ! individual4  
7,c7 ,! date ( bir? 7includ+ ! mon?1    
day1 & ye>7 ( ! individual4  7#d7       
,p]mitt$ entity ,! t]m p]mitt$ entity   
means a f9ancial in/itution or a s]vice 
provid]1 subsidi>y1 affiliate1 ag5t1    
contractor1 or assignee ( a f9ancial    
in/itution4  7c7 ,effici5cy  7#a7       
,reliance on exi/+ me?ods ,!            
,commission] %all evaluate ! feasibility
 ( mak+ modifications to any database t 
is 9 exi/5ce z ( ! date ( enactm5t ( ?is
 ,act or a simil> res\rce su* t !       
database or res\rce--  7,a7 is          
reasonably design$ to effectuate !      
purpose ( ?is section2 &  7,b7 meets !  
requirem5ts ( subsection 7d74  7#b7     
,execution ,! ,commission] %all e/abli% 
a sy/em to c>ry out subsection 7a71 9   
accordance ) section #aajf ( ! ,social  
,security ,act4 ,9 do+ s1 ! ,commission]
 %all make ! modifications necess>y to  
any database t is 9 exi/5ce z ( ! date (
 enactm5t ( ?is ,act or simil> res\rce1 

or develop a database or simil> res\rce4
  7d7 ,protection ( vuln]able consum]s  
,! database or simil> res\rce describ$ 9
 subsection 7c7 %all-- 7#a7 comp>e fraud
 protection data provid$ 9 an inquiry by
 a p]mitt$ entity aga9/ su* in=mation   
ma9ta9$ by ! ,commission] 9 ord] to     
confirm 7or n confirm7 ! validity ( !   
in=mation provid$1 & 9 su* a mann] z to 
det] fraudul5t use ( ! database or      
simil> res\rce2  7#b7 be scalable &     
accommodate reasonably anticipat$       
volumes ( v]ification reque/s f p]mitt$ 
entities ) comm]cially reasonable uptime
 & availability2 &  7#c7 all[ p]mitt$   
entities to submit-- 7,a7 "o or m       
individual reque/s electronically =     
real-"t ma*9e-to-ma*9e 7or simil>       
functionality7 accurate responses2 &    
7,b7 multiple reque/s electronically1   
su* z ^? provid$ 9 a bat* =mat1 =       
accurate electronic responses )9 a      
reasonable p]iod ( "t f submission1 n to
 exce$ #bd h\rs4  7e7 ,c]tification     
requir$ ,be=e provid+ confirmation (    

fraud protection data to a p]mitt$      
entity1 ! ,commission] %all ensure t !  
,commission] has a c]tification f !     
p]mitt$ entity t is dat$ n m ?an #b ye>s
 be=e ! date on :i* t confirmation is   
provid$ t includes ! foll[+ decl>ations3
  7#a7 ,! entity is a p]mitt$ entity4   
7#b7 ,! entity is 9 compliance ) ?is    
section4  7#c7 ,! entity is1 & w rema91 
9 compliance ) its privacy & data       
security requirem5ts1 z describ$ 9 title
 ,v ( ! ,gramm-,lea*-,bliley ,act 7#ae  
,u4,s4,c4 #fhja et seq47 & z requir$ by 
! ,commission]1 ) respect to in=mation !
 entity receives f ! ,commission]       
pursuant to ?is section4  7#d7 ,! entity
 w reta9 suffici5t records to demon/rate
 its compliance ) its c]tification & ?is
 section = a p]iod ( n less ?an #b ye>s4
  7f7 ,consum] cons5t  7#a7 ,9 g5]al    
,not)/&+ any o!r provision ( law or     
regulation1 a p]mitt$ entity may submit 
a reque/ to ! database or simil> res\rce
 describ$ 9 subsection 7c7 only--  7,a7 
pursuant to ! writt51 includ+           

electronic1 cons5t receiv$ by a p]mitt$ 
entity f ! individual :o is ! subject ( 
! reque/2 &  7,b7 9 connection ) any    
circum/ance describ$ 9 section #fjd ( ! 
,fair ,cr$it ,report+ ,act 7#ae         
,u4,s4,c4 #afha;b74  7#b7 ,electronic   
cons5t requirem5ts ,= a p]mitt$ entity  
to use ! cons5t ( an individual receiv$ 
electronically pursuant to p>agraph     
7#a77;,a71 ! p]mitt$ entity mu/ obta9 ! 
individual's electronic signature1 z    
def9$ 9 section #ajf ( ! ,electronic    
,signatures 9 ,global & ,national       
,comm]ce ,act 7#ae ,u4,s4,c4 #gjjf74    
,p]mitt$ entities mu/ develop & use an  
electronic signature process 9          
accordance ) all ,f$]al laws &          
requirem5ts z designat$ by !            
,commission]4  7#c7 ,effectuat+         
electronic cons5t ,no provision ( law or
 requirem5t1 includ+ section #eeb;a (   
title #e1 ,unit$ ,/ates ,code1 %all     
prev5t ! use ( electronic cons5t =      
purposes ( ?is subsection or = use 9 any
 o!r cons5t bas$ v]ification "u !       

discretion ( ! ,commission]4  7g7       
,compliance & en=cem5t  7#a7 ,audits &  
monitor+  7,a7 ,9 g5]al ,!              
,commission]-- 7i7 %all conduct audits &
 monitor+ to--  7,i7 ensure prop] use by
 p]mitt$ entities ( ! database or simil>
 res\rce describ$ 9 subsection 7c72 &   
7,,ii7 det] fraud & misuse by p]mitt$   
entities ) respect to ! database or     
simil> res\rce describ$ 9 subsection    
7c72 &  7ii7 may t]m9ate s]vices = any  
p]mitt$ entity t prev5ts or refuses to  
all[ ! ,commission] to c>ry out !       
activities describ$ 9 clause 7i7 & may  
t]m9ate or susp5d s]vices = any p]mitt$ 
entity z necess>y to en=ce any violation
 ( ?is section or ( any c]tification    
made "u ?is section4  7#b7 ,en=cem5t    
7,a7 ,9 g5]al ,not)/&+ any o!r provision
 ( law1 includ+ ! matt] prec$+ p>agraph 
7#a7 ( section #eje7;a7 ( !             
,gramm-,lea*-,bliley ,act 7#ae ,u4,s4,c4
 #fhje7;a771 any violation ( ?is section
 & any c]tification made "u ?is section 
%all be en=c$ 9 accordance ) p>agraphs  

7#a7 ?r\gh 7#g7 ( su* section #eje7;a7  
by ! ag5cies describ$ 9 ^? p>agraphs4   
7,b7 ,relevant in=mation ,^u discov]y by
 ! ,commission] ( any violation ( ?is   
section or any c]tification made "u ?is 
section1 ! ,commission] %all =w>d any   
relevant in=mation p]ta9+ to t violation
 to ! appropriate ag5cy describ$ 9      
subp>agraph 7,a7 = evaluation by ! ag5cy
 = purposes ( en=c+ ?is section4  7h7   
,recov]y ( co/s  7#a7 ,9 g5]al  7,a7 ,9 
g5]al ,am\nts obligat$ to c>ry out ?is  
section %all be fully recov]$ f ! us]s (
 ! database or v]ification sy/em by way 
( advances1 reimbursem5ts1 us] fees1 or 
o!r recov]ies z det]m9$ by !            
,commission]4 ,! funds recov]$ "u ?is   
p>agraph %all be deposit$ z an (fsett+  
collection to ! acc\nt provid+          
appropriations = ! ,social ,security    
,adm9i/ration1 to be us$ = !            
adm9i/ration ( ?is section )\t fiscal   
ye> limitation4  7,b7 ,prices fix$ by   
commission] ,! ,commission] %all e/abli%
 ! am\nt to be paid by ! us]s "u ?is    

p>agraph1 includ+ ! co/s ( any s]vices  
or "w p]=m$1 su* z any appropriate      
upgrades1 ma9t5ance1 & associat$ direct 
& indirect adm9i/rative co/s1 9 support 
( c>ry+ out ! purposes describ$ 9 ?is   
section1 by reimbursem5t or 9 advance z 
det]m9$ by ! ,commission]4 ,! am\nt (   
su* prices %all be p]iodically adju/$ by
 ! ,commission] to ensure t am\nts      
collect$ are suffici5t to fully (fset ! 
co/ ( ! adm9i/ration ( ?is section4     
7#b7 ,initial developm5t ,! ,commission]
 %all n beg9 developm5t ( a v]ification 
sy/em to c>ry out ?is section until !   
,commission] det]m9es t am\nts equal to 
at lea/ #ej p]c5t ( program />t-up co/s 
h be5 collect$ "u p>agraph 7#a74  7#c7  
,exi/+ res\rces ,! ,commission] (       
,social ,security may use funds         
designat$ = in=mation te*nology         
mod]nization to c>ry out ?is section1 b 
9 all cases %all be fully reimburs$ "u  
p>agraph 7#a77;,a74  7#d7 ,annual report
 ,! ,commission] ( ,social ,security    
%all annually submit to ! ,committee on 

,ways & ,means ( ! ,h\se (              
,repres5tatives & ! ,committee on       
,f9ance ( ! ,s5ate a report on ! am\nt (
 indirect co/s to ! ,social ,security   
,adm9i/ration aris+ z a result ( !      
implem5tation ( ?is section4  ,april    
#ac1 #bjah ,report$ ) an am5dm5t1       
committ$ to ! ,committee ( ! ,:ole ,h\se
 on ! ,/ate ( ! ,union1 & ord]$ to be   
pr9t$