,,ii  #aae? ,,congress  #b;d ,session   
,s4 #cccd  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,augu/ #a1 #bjah ,mr4  
,nelson introduc$ ! foll[+ bill2 :i* 0  
read twice & ref]r$ to ! ,committee on  
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to am5d section #ihg ( title   
#aj1 ,unit$ ,/ates ,code1 to exp& &     
improve consum] cr$it protections =     
memb]s ( ! ,arm$ ,=ces & _! dep5d5ts1 & 
= o!r purposes4  #a4 ,%ort title  ,?is  
,act may be cit$ z ! ,milit>y ,l5d+     
,improvem5t ,act ( #bjah4  #b4          
,expansion & improvem5t ( consum] cr$it 
protections = memb]s ( ! ,arm$ ,=ces    
7a7 ,ext5sion ( applicability to        
individuals rec5tly dis*>g$ or releas$ f
 ! ,arm$ ,=ces ,p>agraph 7#a7 (         
subsection 7i7 ( section #ihg ( title   
#aj1 ,unit$ ,/ates ,code1 is am5d$ to   
read z foll[s3  7#a7 ,cov]$ memb] ,! t]m
 cov]$ memb] means ! foll[+3 7,a7 ,a    
memb] ( ! arm$ =ces :o is--  7i7 on     
active duty "u a call or ord] t does n  
specify a p]iod ( #cj days or less2 or  

7ii7 on active ,gu>d & ,res]ve duty4    
7,b7 ,an individual :o 0 sep>at$1       
dis*>g$1 or releas$ f duty describ$ 9   
subp>agraph 7,a71 b only dur+ !         
#cfe-;day p]iod beg9n+ on ! date (      
sep>ation1 dis*>ge1 or release4  4  7b7 
,decrease 9 maximum au?oriz$ annual     
p]c5tage rate on cr$it  7#a7 ,decrease 9
 rate ,subsection 7b7 ( su* section is  
am5d$ by /rik+ #cf p]c5t & ins]t+ #bd   
p]c5t4  7#b7 ,effective date ,! am5dm5t 
made by p>agraph 7#a7 %all take effect  
on ! date t is #ahj days aft] ! date ( !
 enactm5t ( ?is ,act1 & %all apply )    
respect to consum] cr$it ext5d$ on or   
aft] su* effective date4  7c7           
,prohibition on cr$itor use ( auto      
track+ or kill swit*es ,subsection 7e7 (
 su* section is am5d$-- 7#a7 9 p>agraph 
7#f71 by /rik+ or at ! end2  7#b7 9     
p>agraph 7#g71 by /rik+ ! p]iod at ! end
 & ins]t+ 2 or2 &  7#c7 by add+ at ! end
 ! foll[+ new p>agraph3  7#h7 ! cr$itor 
dem&s1 z a condition = ! cr$it1 !       
application (-- 7,a7 a device t c locate

 or adju/ ! op]ations ( ! borr[]'s motor
 vehicle by a ?ird p>ty2 or  7,b7 any   
o!r device or in/rum5t t may pose a     
safety haz>d or compromise ! borr[]'s   
privacy1 z det]m9$ by ! ,secret>y (     
,def5se1 9 consultation ) ! ,f$]al      
,trade ,commission4  4  7d7 ,ext5sion ( 
cov]age to cr$it = c>s & o!r p]sonal    
prop]ty  7#a7 ,cov]age ,subsection      
7i77#f7 ( su* section is am5d$ by /rik+ 
7,a7 a resid5tial mortgage & all t      
foll[s & ins]t+ a resid5tial mortgage44 
7#b7 ,effective date ,! am5dm5t made by 
p>agraph 7#a7 %all take effect on ! date
 t is #ahj days aft] ! date ( ! enactm5t
 ( ?is ,act1 & %all apply ) respect to  
consum] cr$it ext5d$ on or aft] su*     
effective date4  7e7 ,regulations ,!    
,secret>y ( ,def5se %all modify !       
regulations prescrib$ to c>ry out       
section #ihg ( title #aj1 ,unit$ ,/ates 
,code1 to take into acc\nt ! am5dm5ts   
made by subsections 7a7 ?r\gh 7d7 by n  
lat] ?an #ahj days aft] ! date ( !      
enactm5t ( ?is ,act4  #c4 ,enhanc$      

protection aga9/ debt collector h>assm5t
 ( memb]s ( ! ,arm$ ,=ces  7a7          
,communication 9 connection ) debt      
collection ,section #hje ( ! ,fair ,debt
 ,collection ,practices ,act 7#ae       
,u4,s4,c4 #afib;c7 is am5d$ by add+ at !
 end ! foll[+3  7e7 ,communications     
conc]n+ s]vicememb] debts  7#a7         
,def9ition ,9 ?is subsection1 ! t]m     
cov]$ memb] has ! mean+ giv5 ! t]m 9    
section #ihg7;i7 ( title #aj1 ,unit$    
,/ates ,code4  7#b7 ,prohibition ,a debt
 collector may n communicate1 9         
connection ) ! collection ( any debt1 ) 
! comm&+ (fic] or (fic] 9 *>ge ( any    
cov]$ memb]1 includ+ = ! purpose (      
acquir+ location in=mation ab\t ! cov]$ 
memb]4  4  7b7 ,false or mislead+       
repres5tations ,section #hjg ( ! ,fair  
,debt ,collection ,practices ,act 7#ae  
,u4,s4,c4 #afib;e7 is am5d$ by add+ at !
 end ! foll[+3  7#ag7 ,! false          
repres5tation to any cov]$ memb]1 z     
def9$ 9 section #ihg7;i7 ( title #aj1   
,unit$ ,/ates ,code1 t failure to       

coop]ate ) a debt collection w result 9 
prosecution "u *apt] #dg ( title #aj1   
,unit$ ,/ates ,code 7! ,uni=m ,code (   
,milit>y ,ju/ice74  4  #d4 ,data        
protection /&>ds = cr$it report+ ag5cies
 t use ,dep>tm5t ( ,def5se p]sonnel data
  7a7 ,det]m9ation on adequacy ( data   
protection /&>ds ,n lat] ?an "o ye> aft]
 ! date ( ! enactm5t ( ?is ,act1 !      
,secret>y ( ,def5se %all1 9 consultation
 ) ! ,f$]al ,trade ,commission1 det]m9e 
:e!r or n ea* entity t d[nloads ,milit>y
 ,l5d] ,act bulk data f ! ,def5se       
,manp[] ,data ,c5t] uses adequate       
safegu>ds to protect ! d[nload$ data    
aga9/ brea* or o!r pot5tial misuse4 ,!  
,secret>y %all make ! det]m9ation us+ a 
/udy ( ! practices ( su* entities       
conduct$ by ! ,secret>y = purposes ( ?is
 subsection4  7b7 ,t]m9ation ( access to
 bulk data ,if pursuant to subsection   
7a71 ! ,secret>y det]m9es t ! safegu>ds 
( an entity describ$ 9 t subsection are 
n adequate z describ$ 9 t subsection1 ! 
,secret>y %all t]m9ate ! access ( !     

entity to bulk data describ$ 9 t        
subsection by n lat] ?an #cj days aft] !
 date ( ! det]m9ation4  7c7 ,re/oration 
( access to bulk data ,if access ( an   
entity to bulk data is t]m9at$ pursuant 
to subsection 7b71 ! ,secret>y may      
subsequ5tly re/ore access ( ! entity to 
bulk data if ! ,secret>y det]m9es t !   
entity has tak5 rem$ial measures to     
ensure t any data d[nload$ f su* bulk   
data is adequately protect$ aga9/ brea* 
or o!r pot5tial misuse4