,,ii  #aaf? ,,congress  #a/ ,session    
,s4 #begg  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,septemb] #bf1         
#bjai,mr4 ,m>key 7= himself1 ,mr4       
,blum5?al1 & ,ms4 ,smi?7 introduc$ !    
foll[+ bill2 :i* 0 read twice & ref]r$  
to ! ,committee on ,comm]ce1 ,sci5ce1 & 
,transportation  ,a ,,bill  ,to require 
data brok]s to e/abli% proc$ures to     
ensure ! accuracy ( collect$ p]sonal    
in=mation1 & = o!r purposes4  #a4 ,%ort 
title ,?is ,act may be cit$ z ! ,data   
,brok] ,acc\ntability & ,transp>5cy ,act
 ( #bjai4  #b4 ,def9itions ,9 ?is ,act3 
7#a7 ,commission ,! t]m ,commission     
means ! ,f$]al ,trade ,commission4  7#b7
 ,cov]$ data brok]  7,a7 ,9 g5]al ,! t]m
 cov]$ data brok] includes all data     
brok]s except ^? data brok]s except$ "u 
subp>agraph 7,b74  7,b7 ,exceptions ,!  
,commission may except a data brok] if !
 ,commission consid]s1 by rule1 a data  
brok] outside ! scope ( ?is ,act1 su* z 
a data brok] :o processes in=mation     
collect$ by or on behalf ( & receiv$ f  

or on behalf ( a nonaffiliat$ ?ird p>ty 
conc]n+ an individual :o is a cu/om] or 
an employee ( t ?ird p>ty to enable t   
?ird p>ty1 directly or ?r\gh p>ties act+
 on its behalf1 to provide b5efits = its
 employees or directly transact bus9ess 
) its cu/om]s4  7#c7 ,data brok] ,! t]m 
data brok] means a comm]cial entity t   
collects1 assembles1 or ma9ta9s p]sonal 
in=mation conc]n+ an individual :o is n 
a cu/om] or an employee ( t entity 9    
ord] to sell ! in=mation or provide ?ird
 p>ty access to ! in=mation4  7#d7      
,p]sonal in=mation  7,a7 ,9 g5]al ,! t]m
 p]sonal in=mation means in=mation t    
directly or indirectly id5tifies1       
relates to1 describes1 is capable ( be+ 
associat$ )1 or c\ld reasonably be l9k$ 
to1 a p>ticul> individual4  7,b7        
,examples ,! t]m p]sonal in=mation      
includes-- 7i7 an id5tifi] su* z a real 
"n1 alias1 signature1 date ( bir?1 g5d] 
id5tity1 sexual ori5tation1 m>ital      
/atus1 physical *>act]i/ic or           
description1 po/al address1 telephone   

numb]1 unique p]sonal id5tifi]1 milit>y 
id5tification numb]1 onl9e id5tifi]1    
,int]net ,protocol address1 email       
address1 acc\nt "n1 "m's maid5 "n1      
social security numb]1 driv]'s lic5se   
numb]1 passport numb]1 or o!r simil>    
id5tifi]2  7ii7 in=mation su* z         
employm5t1 employm5t hi/ory1 bank acc\nt
 numb]1 cr$it c>d numb]1 debit c>d      
numb]1 insurance policy numb]1 or any   
o!r f9ancial in=mation1 m$ical          
in=mation1 m5tal heal? in=mation1 or    
heal? insurance in=mation2  7iii7       
comm]cial in=mation1 includ+ a record ( 
p]sonal prop]ty1 income1 assets1 leases1
 r5tals1 products or s]vices pur*as$1   
obta9$1 or consid]$1 or o!r pur*as+ or  
consum+ hi/ory2  7iv7 biometric         
in=mation1 includ+ a ret9a or iris scan1
 f+]pr9t1 voicepr9t1 or scan ( h& or    
face geometry2  7v7 int]net or o!r      
electronic network activity in=mation1  
includ+ br[s+ hi/ory1 se>* hi/ory1      
cont5t1 includ+ text1 photographs1 audio
 or video record+s1 or o!r us]          

g5]at$-cont5t1 non-public               
communications1 & in=mation reg>d+ an   
individual's int]action ) an int]net    
website1 mobile application1 or         
adv]tisem5t2  7vi7 hi/orical or real-"t 
geolocation data2  7vii7 audio1         
electronic1 visual1 !rmal1 olfactory1 or
 simil> in=mation2  7viii7 education    
records1 z def9$ 9 section #ii4c ( title
 #cd1 ,code ( ,f$]al ,regulations1 or   
any successor regulation2  7ix7         
political in=mation or in=mation on     
crim9al convictions or arre/s2  7x7 any 
requir$ security code1 access code1     
password1 or us]name necess>y to p]mit  
access to ! acc\nt ( an individual2     
7xi7 *>act]i/ics ( protect$ classes "u  
,f$]al law1 includ+ race1 color1        
national orig91 religion1 sex1 age1 or  
disability2 or  7xii7 an inf]5ce drawn f
 any ( ! in=mation describ$ 9 ?is       
subp>agraph to create a pr(ile ab\t an  
individual reflect+ ! individual's      
pref]5ces1 *>act]i/ics1 psy*ological    
tr5ds1 pref]5ces1 pr$ispositions1       

behavior1 attitudes1 intellig5ce1       
abilities1 or aptitudes4  7,c7          
,exclusions  7i7 ,9 g5]al ,! t]m p]sonal
 in=mation does n include publicly      
available in=mation4  7ii7 ,publicly    
available in=mation ,= purposes ( clause
 7i71 ! t]m publicly available in=mation
 means in=mation t is lawfully made     
available f ,f$]al1 ,/ate1 or local     
gov]nm5t records4  7#e7 ,public record  
in=mation ,! t]m public record in=mation
 means in=mation ab\t an individual t   
has be5 obta9$ orig9ally f records ( a  
,f$]al1 ,/ate1 or local gov]nm5t entity 
t are available = public inspection4    
#c4 ,prohibition on obta9+ or           
solicitation to obta9 p]sonal in=mation 
by false pret5ses  7a7 ,9 g5]al ,a cov]$
 data brok] may n obta9 or attempt to   
obta91 or cause to be disclos$ or       
attempt to cause to be disclos$ to any  
p]son1 p]sonal in=mation or any o!r     
in=mation relat+ to any p]son by mak+ a 
false1 fictiti\s1 or fraudul5t /atem5t  
or repres5tation to any p]son1 includ+  

by provid+ any docum5t to any p]son1 t !
 cov]$ data brok] kn[s or %\ld "k--     
7#a7 to be =g$1 c\nt]feit1 lo/1 /ol51 or
 fraudul5tly obta9$2 or  7#b7 conta9s a 
false1 fictiti\s1 or fraudul5t /atem5t  
or repres5tation4  7b7 ,solicitation ,a 
cov]$ data brok] may n reque/ a p]son to
 obta9 p]sonal in=mation1 or any o!r    
in=mation1 relat+ to any o!r p]son if ! 
cov]$ data brok] kn[s or %\ld "k t !    
p]son to :om ! reque/ is made w obta9 or
 attempt to obta9 t in=mation 9 ! mann] 
describ$ 9 subsection 7a74  #d4         
,requirem5ts conc]n+ accuracy ( & access
 to p]sonal in=mation  7a7 ,accuracy    
7#a7 ,9 g5]al ,except z provid$ 9       
p>agraph 7#b71 a cov]$ data brok] %all  
e/abli% proc$ures to ensure1 to !       
maximum ext5t practicable1 ! accuracy   
(--  7,a7 ! p]sonal in=mation ! brok]   
collects1 assembles1 or ma9ta9s2 &  7,b7
 any o!r in=mation ! brok] collects1    
assembles1 or ma9ta9s t specifically    
id5tifies an individual1 unless !       
in=mation only id5tifies ! "n or address

 ( an individual4  7#b7 ,exception ,a   
cov]$ data brok] may collect or ma9ta9  
in=mation t may be inaccurate ) respect 
to a p>ticul> individual if t in=mation 
is be+ collect$ or ma9ta9$ solely = !   
purpose (--  7,a7 indicat+ :e!r !re may 
be a discrepancy or irregul>ity 9 !     
p]sonal in=mation t is associat$ ) an   
individual2  7,b7 help+ to id5tify1 or  
to au!nticate ! id5tity (1 an           
individual2 or  7,c7 help+ to protect   
aga9/ or inve/igate fraud or o!r        
unlawful conduct4  7b7 ,consum] access  
7#a7 ,9 g5]al ,subject to p>agraph 7#d71
 a cov]$ data brok] %all provide an     
individual a means to review any p]sonal
 in=mation or o!r in=mation t           
specifically id5tifies t individual1 t !
 cov]$ data brok] collects1 assembles1  
or ma9ta9s on t individual4  7#b7       
,review requirem5ts  7,a7 ,elem5ts ,z "p
 ( ! review describ$ 9 p>agraph 7#a71 a 
cov]$ data brok] %all provide a         
description (--  7i7 ! p]sonal in=mation
 be+ reta9$2  7ii7 ea* date on :i* !    

cov]$ entity collect$ ! p]sonal         
in=mation2  7iii7 ! ?ird p>ties to :i* !
 cov]$ entity has disclos$ or w disclose
 ! p]sonal in=mation2 &  7iv7 if        
possible1 h[ long ! p]sonal in=mation w 
be reta9$ or /or$1 or if n possible1 !  
crit]ia us$ = det]m9+ h[ long ! p]sonal 
in=mation w be reta9$ or /or$4  7,b7    
,additional requirem5ts ,a cov]$ data   
brok] %all provide ! means = review "u  
p>agraph 7#a7-- 7i7 at ! reque/ ( an    
individual2  7ii7 aft] v]ify+ ! id5tity 
( ! individual2  7iii7 n less ?an #a "t 
p] ye>2  7iv7 at no co/ to ! individual2
 &  7v7 9 a =mat t c be readily und]/ood
 by a consum]1 z det]m9$ by !           
,commission4  7#c7 ,p]iod ( review ,a   
cov]$ data brok] %all provide an        
individual ! means requir$ "u p>agraph  
7#a7 )9 su* p]iod aft] receiv+ a reque/ 
f ! individual z ! ,commission %all     
det]m9e1 by rule1 is appropriate4  7#d7 
,exceptions ,! ,commission may1 by rule1
 e/abli% any exceptions to p>agraph 7#a7
 t ! ,commission consid]s appropriate1  

su* z = *ild protection1 law en=cem5t1  
fraud prev5tion1 or o!r gov]nm5t        
purposes4  7#e7 ,limitation on use (    
v]ify+ in=mation ,if a cov]$ data brok] 
collects in=mation f an individual to   
v]ify ! id5tity ( ! individual "u       
p>agraph 7#b77;,b7 t ! data brok] did n 
h be=e t collection1 ! data brok] may n 
use ! in=mation = any purpose o!r ?an = 
purposes ( v]ify+ ! id5tity ( !         
individual "u t p>agraph4  7c7 ,disput$ 
in=mation  7#a7 ,9 g5]al ,an individual 
^: p]sonal in=mation is ma9ta9$ by a    
cov]$ data brok] may dispute ! accuracy 
( any in=mation describ$ "u subsection  
7b77#a7 by reque/+1 9 writ+1 t ! cov]$  
data brok] correct ! in=mation4  7#b7   
,correction requirem5ts ,a cov]$ data   
brok]1 aft] v]ify+ ! id5tity ( an       
individual mak+ a reque/ "u p>agraph    
7#a7 to correct in=mation1 & unless !re 
are reasonable gr\nds to believe !      
reque/ is frivol\s or irrelevant1 %all--
  7,a7 ) reg>d to publicly available    
in=mation-- 7i7 in=m ! individual ( !   

s\rce ( ! in=mation &1 if reasonably    
available1 :]e to direct ! reque/ =     
correction2 or  7ii7 if ! individual    
provides pro( t ! public record has be5 
correct$ or t ! cov]$ data brok] 0      
report+ ! in=mation incorrectly1 correct
 ! inaccuracy 9 ! records ( ! cov]$ data
 brok]2 &  7,b7 ) reg>d to p]sonal      
in=mation-- 7i7 note ! in=mation t is   
disput$1 includ+ ! writt5 reque/ ( !    
individual2  7ii7 if ! in=mation c be   
indep5d5tly v]ifi$1 use ! proc$ures     
e/abli%$ "u subsection 7a7 to           
indep5d5tly v]ify ! in=mation2 &  7iii7 
if ! cov]$ data brok] 0 report+ !       
in=mation incorrectly1 correct !        
inaccuracy 9 ! records ( ! cov]$ data   
brok]4  7#c7 ,p]iod ( correction ,if a  
cov]$ data brok] is subject to a        
requirem5t "u p>agraph 7#b7 due to a    
reque/ made by an individual "u p>agraph
 7#a71 ! cov]$ data brok] %all take any 
action t may be requir$ to satisfy !    
requirem5t )9 a p]iod det]m9$           
appropriate by ! ,commission1 by rule4  

7d7 ,notice  7#a7 ,9 g5]al ,a cov]$ data
 brok] %all ma9ta9 an int]net website & 
place a cle> & conspicu\s notice on t   
int]net website in/ruct+ an individual  
h[--  7,a7 to review in=mation "u       
subsection 7b77#a72 &  7,b7 to express a
 pref]5ce "u subsection 7e77#b74  7#b7  
,=m ,a cov]$ data brok] %all ensure t ! 
notice ! cov]$ data brok] places "u     
p>agraph 7#a7 con=ms to a model =m t !  
,commission %all promulgate = purposes (
 ?is subsection4  7e7 ,c]ta9 m>ket+     
in=mation  7#a7 ,9 g5]al ,a cov]$ data  
brok] may n use1 %>e1 or sell any       
in=mation = m>ket+ purposes t is subject
 to an express$ pref]5ce "u p>agraph    
7#b74  7#b7 ,expression ( pref]5ces ,a  
cov]$ data brok] t ma9ta9s any in=mation
 describ$ "u subsection 7a7 & t uses1   
%>es1 or sells t in=mation = m>ket+     
purposes %all provide ea* individual ^: 
in=mation ! cov]$ data brok] ma9ta9s ) a
 reasonable means ( express+ a pref]5ce 
n to h t individual's in=mation us$ = ^?
 purposes4  7f7 ,audit+  7#a7 ,9 g5]al  

,subject to p>agraph 7#b71 a cov]$ data 
brok] %all e/abli% measures t facilitate
 ! audit+ or retrac+ ( any int]nal or   
ext]nal access to1 or transmission (1   
any data conta9+ p]sonal in=mation      
collect$1 assembl$1 or ma9ta9$ by !     
cov]$ data brok]4  7#b7 ,exceptions ,!  
,commission may e/abli%1 by rule1 any   
exceptions to p>agraph 7#a7 t !         
,commission consid]s appropriate to     
fur!r or protect law en=cem5t or        
national security activities4  7g7      
,security  7#a7 ,9 g5]al ,a cov]$ data  
brok] %all develop & implem5t a         
compreh5sive consum] privacy & data     
security program to protect aga9/ h>m t 
may be caus$ by--  7,a7 loss ( p]sonal  
in=mation collect$1 assembl$1 or ma9ta9$
 by ! cov]$ data brok]2 or  7,b7        
unau?oriz$ access1 de/ruction1 use1     
modification1 or disclosure ( p]sonal   
in=mation describ$ 9 subp>agraph 7,a74  
7#b7 ,notice ,if a cov]$ data brok]     
det]m9es t p]sonal in=mation ( an       
individual t is collect$1 assembl$1 or  

ma9ta9$ by ! cov]$ data brok] has be5   
lo/ or ! subject ( unau?oriz$ access1   
de/ruction1 use1 modification1 or       
disclosure1 ! cov]$ data brok] %all     
notify ! individual ( ! loss1 access1   
de/ruction1 use1 modification1 or       
disclosure4  7h7 ,p]sons regulat$ by !  
,fair ,cr$it ,report+ ,act ,a cov]$ data
 brok] %all be consid]$ to be 9         
compliance ) subsections 7a7 ?r\gh 7f7 (
 ?is section ) respect to in=mation t is
 subject to ! ,fair ,cr$it ,report+ ,act
 7#ae ,u4,s4,c4 #afha et seq47 if !     
cov]$ data brok] is 9 compliance )      
sections #fji1 #faj1 & #faa ( t ,act    
7#ae ,u4,s4,c4 #afha;g1 #afha;h1        
#afha;i74  #e4 ,use limitations  7a7 ,9 
g5]al ,a cov]$ data brok] %all n use    
p]sonal in=mation = unreasonable        
purposes1 includ+--  7#a7 sell+1 leas+1 
trad+1 or o!rwise pr(it+ f an           
individual's biometric in=mation2  7#b7 
%>+1 re%>+1 or o!rwise dissem9at+ an    
individual's biometric in=mation )\t    
fir/ obta9+ specific cons5t f !         

individual1 unless--  7,a7 !            
dissem9ation is requir$ by ,/ate or     
,f$]al law or municipal ord9ance2 or    
7,b7 ! dissem9ation is requir$ pursuant 
to a valid w>rant or subpo5a issu$ by a 
c\rt ( compet5t jurisdiction2  7#c7     
process+ p]sonal in=mation = ! purpose (
 adv]tis+1 m>ket+1 solicit+1 (f]+1      
sell+1 leas+1 lic5s+1 r5t+1 or o!rwise  
comm]cially contract+ = employm5t1      
f9ance1 heal?c>e1 cr$it1 insurance1     
h\s+1 or education opportunities1 9 a   
mann] t discrim9ates aga9/ or o!rwise   
makes ! opportunity unavailable on !    
basis ( a p]son's or class ( p]sons'    
actual or p]ceiv$ race1 color1 e?nicity1
 religion1 national orig91 sex1 g5d]1   
g5d] id5tity1 sexual ori5tation1        
familial /atus1 biometric in=mation1    
lawful s\rce ( income1 or disability2 or
  7#d7 process+ p]sonal in=mation 9 a   
mann] t segregates1 discrim9ates 91 or  
o!rwise makes unavailable ! goods1      
s]vices1 facilities1 privileges1        
advantages1 or accommodations ( any     

place ( public accommodation on ! basis 
( a p]son's or class ( p]sons' actual or
 p]ceiv$ race1 color1 e?nicity1         
religion1 national orig91 sex1 g5d]1    
g5d] id5tity1 sexual ori5tation1 or     
disability4  7b7 ,def9ition ( place (   
public accommodation ,= purposes (      
subsection 7a71 ! t]m place ( public    
accommodation means-- 7#a7 any entity   
consid]$ a place ( public accommodation 
"u section #bja7;b7 ( ! ,civil ,rights  
,act ( #aifd 7#db ,u4,s4,c4 #bjjj;a7b77 
or section #cja ( ! ,am]icans )         
,disabilities ,act ( #aiij 7#db         
,u4,s4,c4 #abaha72 &  7#b7 any entity t 
(f]s goods or s]vices ?r\gh ! int]net to
 ! g5]al public4  #f4 ,regulations  7a7 
,9 g5]al ,n lat] ?an #a ye> aft] ! date 
( enactm5t ( ?is ,act1 ! ,commission    
%all promulgate regulations "u section  
#eec ( title #e1 ,unit$ ,/ates ,code1 to
 c>ry out ?is ,act4  7b7 ,elem5ts ,!    
regulations promulgat$ "u subsection 7a7
 %all include ! foll[+3 7#a7 ,any       
exceptions ! ,commission consid]s       

appropriate to promulgate "u section    
#b7b77;,b74  7#b7 ,! p]iod ( review     
requir$ "u section #d7;b77#c74  7#c7    
,any exceptions ! ,commission consid]s  
appropriate to promulgate "u section    
#d7;b77#d74  7#d7 ,! p]iod ( correction 
requir$ "u section #d7;c77#c74  7#e7 ,! 
model =m requir$ by section #d7;d77#b74 
7#f7 ,requirem5ts = audit+ "u p>agraph  
7#a7 ( section #d7;f7 & any exceptions  
"u p>agraph 7#b7 ( t section t !        
,commission consid]s appropriate4  7#g7 
,e/abli%m5t ( a c5traliz$ int]net       
website = ! b5efit ( consum]s t-- 7,a7  
li/s ! cov]$ data brok]s t are subject  
to a requirem5t ( section #d2 &  7,b7   
provides in=mation to consum]s ab\t _!  
rights "u ?is ,act4  7#h7 ,any o!r      
regulations t ! ,commission consid]s    
appropriate to c>ry out ?is ,act4  #g4  
,en=cem5t  7a7 ,en=cem5t by ,f$]al      
,trade ,commission  7#a7 ,unfair or     
deceptive acts or practices ,a violation
 ( section #c1 #d1 or #e or a regulation
 promulgat$ "u ?is ,act %all be treat$ z

 a violation ( a rule def9+ an unfair or
 a deceptive act or practice "u section 
#ah7;a77#a77;,b7 ( ! ,f$]al ,trade      
,commission ,act 7#ae ,u4,s4,c4         
#eg;a7a77#a77;,b774  7#b7 ,p[]s (       
,commission  7,a7 ,9 g5]al ,!           
,commission %all en=ce ?is ,act 9 ! same
 mann]1 by ! same means1 & ) ! same     
jurisdiction1 p[]s1 & duties z ?\gh all 
applicable t]ms & provisions ( ! ,f$]al 
,trade ,commission ,act 7#ae ,u4,s4,c4  
#da et seq47 7 incorporat$ into & made a
 "p ( ?is ,act4  7,b7 ,privileges &     
immunities ,any p]son :o violates a     
regulation prescrib$ "u ?is ,act %all be
 subject to ! p5alties & entitl$ to !   
privileges & immunities provid$ 9 !     
,f$]al ,trade ,commission ,act 7#ae     
,u4,s4,c4 #da et seq474  7b7 ,en=cem5t  
by ,/ates  7#a7 ,civil action ,except z 
provid$ "u p>agraph 7#e71 9 any case 9  
:i* ! attorney g5]al ( a ,/ate has      
reason to believe t an int]e/ ( !       
resid5ts ( t ,/ate has be5 or is ?reat5$
 or adv]sely affect$ by ! engagem5t (   

any p]son subject to a provision (      
section #c1 #d1 or #e or a regulation   
promulgat$ "u ?is ,act 9 a practice t   
violates t provision or regulation1 !   
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--  7,a7  
to enjo9 fur!r violation ( t provision  
or regulation by ! p]son2  7,b7 to      
compel compliance ) t provision or      
regulation2  7,c7 to obta9 damages1     
re/itution1 or o!r comp5sation on behalf
 ( ! resid5ts2  7,d7 to obta9 any o!r   
relief t ! c\rt consid]s appropriate2 or
  7,e7 to obta9 civil p5alties 9 ! am\nt
 det]m9$ "u p>agraph 7#b74  7#b7 ,civil 
p5alties  7,a7 ,calculation ,= purposes 
( impos+ a civil p5alty "u p>agraph     
7#a77;,e71 ! am\nt det]m9$ "u ?is       
p>agraph is ! am\nt calculat$ by        
multiply+ ! numb] ( sep>ate violations (
 a rule by an am\nt n great] ?an        
#af1jjj4  7,b7 ,adju/m5t = inflation    
,beg9n+ on ! date t ! ,consum] ,price   

,index is fir/ publi%$ by ! ,bureau (   
,labor ,/ati/ics t is aft] #a ye> aft] !
 date ( enactm5t ( ?is ,act1 & ea* ye>  
!reaft]1 ! am\nt specifi$ 9 subp>agraph 
7,a7 %all be increas$ by ! p]c5tage     
increase 9 ! ,consum] ,price ,index     
publi%$ on t date f ! ,consum] ,price   
,index publi%$ ! previ\s ye>4  7#c7     
,rights ( ,f$]al ,trade ,commission     
7,a7 ,notice to ,f$]al ,trade           
,commission  7i7 ,9 g5]al ,except z     
provid$ 9 clause 7iii71 ! attorney g5]al
 ( a ,/ate %all notify ! ,commission 9  
writ+ t ! attorney g5]al int5ds to br+ a
 civil action "u p>agraph 7#a7 be=e     
initiat+ ! civil action4  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$iately ^u in/itut+ !    
civil action4  7,b7 ,int]v5tion by      
,f$]al ,trade ,commission ,! ,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+--     
7,i7 be he>d on all matt]s aris+ 9 !    
civil action2 &  7,,ii7 file petitions =
 appeal ( a decision 9 ! civil action4  
7#d7 ,inve/igatory p[]s ,no?+ 9 ?is     
subsection may be con/ru$ to prev5t !   
attorney g5]al ( a ,/ate f ex]cis+ !    
p[]s conf]r$ on ! attorney g5]al by !   
laws ( ! ,/ate to conduct inve/igations1
 to adm9i/] oa?s or affirmations1 or to 
compel ! att5dance ( witnesses or !     
production ( docum5t>y or o!r evid5ce4  
7#e7 ,preemptive action by ,f$]al ,trade
 ,commission ,if ! ,commission in/itutes
 a civil action or an adm9i/rative      
action ) respect to a violation ( a     
provision ( section #c1 #d1 or #e or a  
regulation promulgat$ "u ?is ,act1 !    
attorney g5]al ( a ,/ate may n1 dur+ !  
p5d5cy ( ! action1 br+ a civil action "u

 p>agraph 7#a7 aga9/ any def5dant nam$ 9
 ! compla9t ( ! ,commission = !         
violation ) respect to :i* ! ,commission
 in/itut$ ! action4  7#f7 ,actions by   
o!r ,/ate (ficials  7,a7 ,9 g5]al ,9    
addition to civil actions br\ght by     
attorneys g5]al "u p>agraph 7#a71 any   
o!r (fic] ( a ,/ate :o is au?oriz$ by ! 
,/ate to d s may br+ a civil action "u  
p>agraph 7#a71 subject to ! same        
requirem5ts & limitations t apply "u ?is
 subsection to civil actions br\ght by  
attorneys g5]al4  7,b7 ,sav+s provision 
,no?+ 9 ?is subsection may be con/ru$ to
 prohibit an au?oriz$ (ficial ( a ,/ate 
f initiat+ or cont9u+ any proce$+ 9 a   
c\rt ( ! ,/ate = a violation ( any civil
 or crim9al law ( ! ,/ate4  #h4 ,effect 
on o!r laws  7a7 ,pres]vation (         
,commission au?ority ,no?+ 9 ?is ,act   
may be con/ru$ 9 any way to limit or    
affect ! au?ority ( ! ,commission "u any
 o!r provision ( law4  7b7 ,pres]vation 
( o!r ,f$]al law ,no?+ 9 ?is ,act may be
 con/ru$ 9 any way to sup]s$e1 re/rict1 

or limit ! application ( ! ,fair ,cr$it 
,report+ ,act 7#ae ,u4,s4,c4 #afha et   
seq47 or any o!r ,f$]al law4