,i  #aaf? ,,congress  #a/ ,session  ,h4 
,r4 #hai  ,,9 ,,! ,,h\se ,,(            
,,repres5tatives  ,janu>y #bh1 #bjai,mr4
 ,t$ ,lieu ( ,cali=nia 7= himself & ,mr4
 ,gallego7 introduc$ ! foll[+ bill2 :i* 
0 ref]r$ to ! ,committee on ,en]gy &    
,comm]ce  ,a ,,bill  ,to protect !      
public f ! h>mful consequ5ces ( ! ,f$]al
 ,gov]nm5t %utd[n by prohibit+ c]ta9    
actions1 to provide en=cem5t = su*      
prohibition by ! ,f$]al ,trade          
,commission1 & = o!r purposes4  #a4     
,%ort title ,?is ,act may be cit$ z !   
,protect+ ,families f ,gov]nm5t ,%utd[ns
 ,act4  #b4 ,actions prohibit$ dur+ a   
,f$]al ,gov]nm5t %utd[n  7a7 ,conduct   
prohibit$  7#a7 ,reliance on ,gov]nm5t  
s]vice ,x %all be unlawful = an entity  
to d any ( ! foll[+ ) respect to a p]son
 if t p]son is unable to meet an        
obligation because ( ,gov]nm5t s]vice is
 n available dur+ a lapse 9             
appropriations3  7,a7 ,debt collection4 
7,b7 ,collect int]e/ on loans accru$    
dur+ ! lapse4  7,c7 ,eviction4  7,d7    

,=eclosure4  7,e7 ,accel]ation or       
d[ngrad+ ( cr$it4  7,f7 ,require any o!r
 obligation requir$ by law or contract t
 relies on a ,gov]nm5t s]vice n         
available dur+ a lapse 9 appropriations4
  7#b7 ,s]vice contracts ,x %all be     
unlawful = an entity to en=ce any p5alty
 provision 9 a contract = s]vices t is  
violat$ z ! result ( a lapse 9          
appropriations & s]vices be+ /opp$4  7b7
 ,en=cem5t by ! ,f$]al ,trade           
,commission  7#a7 ,9 g5]al ,a violation 
( subsection 7a7 %all be treat$ z an    
unfair & deceptive act or practice 9    
violation ( a regulation issu$ "u       
section #ah7;a77#a77;,b7 ( ! ,f$]al     
,trade ,commission ,act 7#ae ,u4,s4,c4  
#eg;a7a77#a77;,b774  7#b7 ,promulgation 
( rule ,n lat] ?an #ahj days aft] ! date
 ( enactm5t ( ?is ,act1 ! ,f$]al ,trade 
,commission %all1 9 accordance ) section
 #eec ( title #e1 ,unit$ ,/ates ,code1  
promulgate rules to prohibit1 z an      
unfair & deceptive act or practice1 !   
conduct describ$ 9 subsection 7a74 ,a   

violation ( su* rules %all be treat$ z a
 violation ( a rule def9+ an unfair or  
deceptive act or practice "u section    
#ah7;a77#a77;,b7 ( ! ,f$]al ,trade      
,commission ,act 7#ae ,u4,s4,c4         
#eg;a7a77#a77;,b774 ,! ,commission %all 
en=ce su* rules 9 ! same mann]1 by !    
same means1 & ) ! same jurisdiction1    
p[]s1 & duties z ?\gh all applicable    
t]ms & provisions ( ! ,f$]al ,trade     
,commission ,act 7 incorporat$ into &   
made a "p ( ?is ,act4 ,any p]son :o     
violates ?is ,act %all be subject to !  
p5alties & entitl$ to ! privileges &    
immunities provid$ 9 ! ,f$]al ,trade    
,commission ,act 7#ae ,u4,s4,c4 #da et  
seq474  7c7 ,en=cem5t by ,/ates  7#a7   
,au?orization ,subject to p>agraph 7#b71
 9 any case 9 :i* ! attorney g5]al ( a  
,/ate has reason to believe t an int]e/ 
( ! resid5ts ( ! ,/ate has be5 or is    
?reat5$ or adv]sely affect$ by a        
violation ( subsection 7a71 ! attorney  
g5]al ( ! ,/ate may1 z p>5s patriae1 br+
 a civil action on behalf ( ! resid5ts (

 ! ,/ate 9 an appropriate di/rict c\rt (
 ! ,unit$ ,/ates to obta9 appropriate   
relief4  7#b7 ,rights ( ,f$]al ,trade   
,commission  7,a7 ,notice to ,,ftc  7i7 
,9 g5]al ,except z provid$ 9 clause     
7iii71 ! attorney g5]al ( a ,/ate %all  
notify ! ,f$]al ,trade ,commission 9    
writ+ t ! attorney g5]al int5ds to br+ a
 civil action "u p>agraph 7#a7 be=e     
initiat+ ! civil action aga9/ a p]son = 
a violation ( subsection 7a74  7ii7     
,cont5ts ,! notification requir$ by     
clause 7i7 ) respect to a civil action  
%all include a copy ( ! compla9t to be  
fil$ to initiate ! civil action4  7iii7 
,exception ,if x is n feasible = !      
attorney g5]al ( a ,/ate to provide !   
notification requir$ by clause 7i7 be=e 
initiat+ a civil action "u p>agraph     
7#a71 ! attorney g5]al %all notify !    
,commission imm$iately ^u in/itut+ !    
civil action4  7,b7 ,int]v5tion by !    
,,ftc ,! ,f$]al ,trade ,commission may--
 7i7 int]v5e 9 any civil action br\ght  
by ! attorney g5]al ( a ,/ate "u        

p>agraph 7#a72 &  7ii7 ^u int]v5+1 be   
he>d on all matt]s aris+ 9 ! civil      
action1 & file petitions = appeal ( a   
decision 9 ! civil action4  7#c7 ,p5d+  
action by ! ,f$]al ,trade ,commission   
,if ! ,f$]al ,trade ,commission         
in/itutes a civil action or an          
adm9i/rative action ) respect to a      
violation ( subsection 7a71 ! attorney  
g5]al ( a ,/ate may n1 dur+ ! p5d5cy (  
su* action1 br+ a civil action "u       
p>agraph 7#a7 aga9/ any def5dant nam$ 9 
! compla9t ( ! ,commission = ! violation
 ) respect to :i* ! ,commission in/itut$
 su* action4  7d7 ,prohibition on       
en=cem5t ( ag5cy p5alties  7#a7 ,9 g5]al
 ,an ag5cy may n en=ce any ag5cy p5alty 
7includ+ = a loan1 an application       
deadl9e1 or o!r deadl9e7 = a violation t
 0 ! result ( a lapse 9 appropriations =
 t ag5cy4 ,an ag5cy %all ext5d any su*  
deadl9e to expire #cj days aft] ! date  
on :i* !re is no long] a lapse 9 su*    
appropriations4 ,?is prohibition does n 
create any private "r ( action4  7#b7   

,applicability ,any ag5cy t en=c$ a     
p5alty dur+ ! p]iod beg9n+ "o ye> be=e !
 date ( ! enactm5t ( ?is ,act & end+ on 
! date ( ! enactm5t ( ?is ,act %all     
rev]se & nullify any su* en=cem5t to !  
greate/ ext5t possible4  7e7 ,ag5cy     
guidance ,n lat] ?an #ahj days aft] !   
date ( ! enactm5t ( ?is ,act1 ! head (  
ea* ag5cy %all issue guidance on h[ t   
ag5cy--  7#a7 w n en=ce any p5alties    
occurr+ z a result ( a lapse 9          
appropriations = t ag5cy1 includ+       
f9ancial1 adm9i/rative1 & any deadl9e   
miss$2 &  7#b7 w notify ! public ab\t ! 
guidance issu$ pursuant to ?is          
subsection4  7f7 ,ag5cy def9$ ,! t]m    
ag5cy has ! mean+ giv5 t t]m 9 section  
#eea ( title #e1 ,unit$ ,/ates ,code4