,i #aaf? ,,congress #a/ ,session ,h4 ,r4 #cca ,,9 ,,! ,,h\se ,,( ,,repres5tatives ,janu>y #h1 #bjai,mr4 ,t$ ,lieu ( ,cali=nia introduc$ ! foll[+ bill2 :i* 0 ref]r$ to ! ,committee on ,f9ancial ,s]vices1 & 9 addition to ! ,committee on ,en]gy & ,comm]ce1 = 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 direct ! ,f$]al ,trade ,commission to review & pot5tially revise its /&>ds = safegu>d+ cu/om] in=mation to ensure t su* /&>ds require c]ta9 consum] report+ ag5cies & s]vice provid]s ( su* ag5cies to ma9ta9 suffici5t safegu>ds aga9/ cyb] attacks & relat$ ?reats1 to provide = additional au?ority to en=ce su* /&>ds ) respect to su* ag5cies & provid]s1 & = o!r purposes4 #a4 ,%ort title ,?is ,act may be cit$ z ! ,protect+ ,consum] ,in=mation ,act ( #bjai4 #b4 ,/&>ds = cyb]security safegu>ds = c]ta9 consum] report+ ag5cies & s]vice provid]s 7a7 ,review ( /&>ds2 pot5tial revision 7#a7 ,review ,n lat] ?an #ij days aft] ! date ( ! enactm5t ( ?is ,act1 ! ,commission %all complete a review ( ! /&>ds conta9$ 9 ! regulations issu$ by ! ,commission "u section #eja ( ! ,gramm-,lea*-,bliley ,act 7#ae ,u4,s4,c4 #fhja7 to det]m9e :e!r su* /&>ds require cov]$ consum] report+ ag5cies & cov]$ s]vice provid]s to ma9ta9 suffici5t safegu>ds to protect cu/om] records & in=mation aga9/ cyb] attacks & relat$ ?reats4 7#b7 ,revision ,if ! ,commission det]m9es 9 ! review complet$ "u p>agraph 7#a7 t ! /&>ds conta9$ 9 ! regulations issu$ by ! ,commission "u section #eja ( ! ,gramm-,lea*-,bliley ,act 7#ae ,u4,s4,c4 #fhja7 d n require cov]$ consum] report+ ag5cies & cov]$ s]vice provid]s to ma9ta9 suffici5t safegu>ds to protect cu/om] records & in=mation aga9/ cyb] attacks & relat$ ?reats1 n lat] ?an #ahj days aft] ! date ( ! completion ( ! review1 ! ,commission %all1 pursuant to section #eec ( title #e1 ,unit$ ,/ates ,code1 revise su* regulations s z to provide = /&>ds applicable to cov]$ consum] report+ ag5cies & cov]$ s]vice provid]s t require su* ag5cies & provid]s to ma9ta9 suffici5t safegu>ds to protect cu/om] records & in=mation aga9/ cyb] attacks & relat$ ?reats4 7b7 ,inve/igations 7#a7 ,initial inve/igation 7,a7 ,9 g5]al ,n lat] ?an #ah mon?s aft] ! date describ$ 9 subp>agraph 7,b71 ! ,commission %all complete an inve/igation ( ea* p]son or entity t1 z ( ! date describ$ 9 su* subp>agraph1 is a cov]$ consum] report+ ag5cy or cov]$ s]vice provid]1 to det]m9e :e!r su* ag5cy or provid] is 9 compliance ) ! regulations issu$ by ! ,commission "u section #eja ( ! ,gramm-,lea*-,bliley ,act 7#ae ,u4,s4,c4 #fhja74 7,b7 ,date describ$ ,! date describ$ 9 ?is subp>agraph is-- 7i7 if no revision ( su* regulations is requir$ by p>agraph 7#b7 ( subsection 7a71 ! date ( ! completion ( ! review requir$ by p>agraph 7#a7 ( su* subsection2 or 7ii7 if revision ( su* regulations is requir$ by p>agraph 7#b7 ( su* subsection1 ! date on :i* ! ,commission issues ! revis$ regulations4 7#b7 ,subsequ5t inve/igations ,f "t to "t aft] ! date t is #ah mon?s aft] ! date describ$ 9 p>agraph 7#a77;,b71 ! ,commission %all complete an inve/igation ( ea* cov]$ consum] report+ ag5cy & ea* cov]$ s]vice provid] to det]m9e :e!r su* ag5cy or provid] is 9 compliance ) ! regulations issu$ by ! ,commission "u section #eja ( ! ,gramm-,lea*-,bliley ,act 7#ae ,u4,s4,c4 #fhja74 #c4 ,en=cem5t by ,f$]al ,trade ,commission 7a7 ,unfair or deceptive acts or practices ,a violation ( a regulation issu$ by ! ,commission "u section #eja ( ! ,gramm-,lea*-,bliley ,act 7#ae ,u4,s4,c4 #fhja7 by a cov]$ consum] report+ ag5cy or a cov]$ s]vice provid] %all be treat$ z a violation ( a rule "u section #ah7;a77#a77;,b7 ( ! ,f$]al ,trade ,commission ,act 7#ae ,u4,s4,c4 #eg;a7a77#a77;,b77 reg>d+ unfair or deceptive acts or practices4 7b7 ,p[]s ( ,commission ,! ,commission %all en=ce1 ) respect to cov]$ consum] report+ ag5cies & cov]$ s]vice provid]s1 ! regulations issu$ by ! ,commission "u section #eja ( ! ,gramm-,lea*-,bliley ,act 7#ae ,u4,s4,c4 #fhja7 9 ! same mann]1 by ! same means1 & ) ! same jurisdiction1 p[]s1 & duties z ?\gh all applicable t]ms & provisions ( ! ,f$]al ,trade ,commission ,act 7#ae ,u4,s4,c4 #da et seq47 7 incorporat$ into & made a "p ( su* section4 ,any cov]$ consum] report+ ag5cy or cov]$ s]vice provid] t violates su* a regulation %all be subject to ! p5alties & entitl$ to ! privileges & immunities provid$ 9 ! ,f$]al ,trade ,commission ,act4 #d4 ,en=cem5t by ,/ate attorneys g5]al 7a7 ,9 g5]al ,9 any case 9 :i* ! attorney g5]al ( a ,/ate1 or an (ficial or ag5cy ( a ,/ate1 has reason to believe t an int]e/ ( ! resid5ts ( su* ,/ate has be5 or is ?reat5$ or adv]sely affect$ by an act or practice by a cov]$ consum] report+ ag5cy or cov]$ s]vice provid] 9 violation ( a regulation issu$ by ! ,commission "u section #eja ( ! ,gramm-,lea*-,bliley ,act 7#ae ,u4,s4,c4 #fhja71 ! ,/ate1 z p>5s patriae1 may br+ a civil action on behalf ( ! resid5ts ( ! ,/ate 9 an appropriate di/rict c\rt ( ! ,unit$ ,/ates to-- 7#a7 enjo9 su* act or practice2 7#b7 en=ce compliance ) su* regulation2 7#c7 obta9 damages1 re/itution1 or o!r comp5sation on behalf ( resid5ts ( ! ,/ate2 or 7#d7 obta9 su* o!r legal & equitable relief z ! c\rt may consid] to be appropriate4 7b7 ,notice ,be=e fil+ an action "u ?is section1 ! attorney g5]al1 (ficial1 or ag5cy ( ! ,/ate involv$ %all provide to ! ,commission a writt5 notice ( su* action & a copy ( ! compla9t = su* action4 ,if ! attorney g5]al1 (ficial1 or ag5cy det]m9es t x is n feasible to provide ! notice describ$ 9 ?is subsection be=e ! fil+ ( ! action1 ! attorney g5]al1 (ficial1 or ag5cy %all provide writt5 notice ( ! action & a copy ( ! compla9t to ! ,commission imm$iately ^u ! fil+ ( ! action4 7c7 ,au?ority ( ,commission 7#a7 ,9 g5]al ,on receiv+ notice "u subsection 7b7 ( an action "u ?is section1 ! ,commission %all h ! "r-- 7,a7 to int]v5e 9 ! action2 7,b7 ^u s int]v5+1 to be he>d on all matt]s aris+ !re92 & 7,c7 to file petitions = appeal4 7#b7 ,limitation on ,/ate action :ile ,f$]al action is p5d+ ,if ! ,commission or ! ,attorney ,g5]al ( ! ,unit$ ,/ates has in/itut$ a civil action = violation ( a regulation issu$ by ! ,commission "u section #eja ( ! ,gramm-,lea*-,bliley ,act 7#ae ,u4,s4,c4 #fhja7 by a cov]$ consum] report+ ag5cy or cov]$ s]vice provid] 7ref]r$ to 9 ?is p>agraph z ! ,f$]al action71 no ,/ate attorney g5]al1 (ficial1 or ag5cy may br+ an action "u ?is section dur+ ! p5d5cy ( ! ,f$]al action aga9/ any def5dant nam$ 9 ! compla9t 9 ! ,f$]al action = any violation ( su* regulation alleg$ 9 su* compla9t4 7d7 ,rule ( con/ruction ,= purposes ( br++ a civil action "u ?is section1 no?+ 9 ?is ,act %all be con/ru$ to prev5t an attorney g5]al1 (ficial1 or ag5cy ( a ,/ate f ex]cis+ ! p[]s conf]r$ on ! attorney g5]al1 (ficial1 or ag5cy by ! laws ( su* ,/ate to conduct inve/igations1 adm9i/] oa?s & affirmations1 or compel ! att5dance ( witnesses or ! production ( docum5t>y & o!r evid5ce4 #e4 ,def9itions ,9 ?is ,act3 7#a7 ,commission ,! t]m ,commission means ! ,f$]al ,trade ,commission4 7#b7 ,cov]$ consum] report+ ag5cy ,! t]m cov]$ consum] report+ ag5cy means a consum] report+ ag5cy t compiles & ma9ta9s files on consum]s on a nationwide basis 7z def9$ 9 section #fjc7p7 ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha;a7p7774 7#c7 ,cov]$ s]vice provid] ,! t]m cov]$ s]vice provid] means any p]son or entity t is a s]vice provid] 7z def9$ 9 section #cad4b ( title #af1 ,code ( ,f$]al ,regulations7 ?r\gh provision ( s]vices to a cov]$ consum] report+ ag5cy4