,,ii  #aaf? ,,congress  #b;d ,session   
,s4 #cige  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,june #ag1 #bjbj,ms4   
,cortez ,ma/o 7= h]self1 ,mr4 ,br[n1    
,ms4 ,w>r51 ,ms4 ,smi?1 ,mr4 ,durb91    
,mr4 ,m]kley1 ,mr4 ,wyd51 & ,mr4        
,blum5?al7 introduc$ ! foll[+ bill2 :i* 
0 read twice & ref]r$ to ! ,committee on
 ,bank+1 ,h\s+1 & ,urban ,affairs  ,a   
,,bill  ,to am5d ! ,consum] ,f9ancial   
,protection ,act ( #bjaj to provide =   
:i/lebl[] inc5tives & protection4  #a4  
,%ort title ,?is ,act may be cit$ z !   
,f9ancial ,comp5sation = ,,cfpb         
,:i/lebl[]s ,act4  #b4 ,bureau :i/lebl[]
 inc5tives & protection  7a7 ,9 g5]al ,!
 ,consum] ,f9ancial ,protection ,act    
7#ab ,u4,s4,c4 #edha et seq47 is am5d$  
by add+ at ! end ( section #ajag !      
foll[+3  #ajag;,a4 ,:i/lebl[] inc5tives 
& protection  7a7 ,def9itions ,9 ?is    
section3 7#a7 ,adm9i/rative proce$+ or  
c\rt action ,! t]m adm9i/rative proce$+ 
or c\rt action means any judicial or    
adm9i/rative action br\ght by ! ,bureau 

t results 9 monet>y sanctions exce$+    
#a1jjj1jjj4  7#b7 ,fund ,! t]m ,fund    
means ! ,consum] ,f9ancial ,civil       
,p5alty ,fund e/abli%$ "u section       
#ajag7;d77#a74  7#c7 ,monet>y sanctions 
,! t]m monet>y sanctions means1 )       
respect to any adm9i/rative proce$+ or  
c\rt action1 any monies1 includ+        
p5alties1 disgorgem5t1 re/itution1      
int]e/1 ord]$ to be paid or o!r am\nts (
 relief obta9$ "u section #ajee7;a77#b74
  7#d7 ,orig9al in=mation ,! t]m orig9al
 in=mation means in=mation t-- 7,a7 is  
d]iv$ f ! indep5d5t k or analysis ( a   
:i/lebl[]2  7,b7 is n kn[n to ! ,bureau 
f any o!r s\rce1 unless ! :i/lebl[] is !
 orig9al s\rce ( ! in=mation2  7,c7 is n
 exclusively d]iv$ f an allegation made 
9 a judicial or adm9i/rative he>+1 9 a  
gov]nm5tal report1 he>+1 or f ! news    
m$ia1 unless ! :i/lebl[] is a s\rce ( ! 
in=mation2 &  7,d7 is n exclusively     
d]iv$ f an allegation made 9 an audit1  
exam9ation or inve/igation4  7#e7       
,successful en=cem5t ,! t]m successful  

en=cem5t includes1 ) respect to any     
adm9i/rative proce$+ or c\rt action     
br\ght by ! ,bureau1 any settlem5t ( su*
 proce$+ or action4  7#f7 ,:i/lebl[] ,! 
t]m :i/lebl[] means any individual1 or  
#b or m individuals act+ jo9tly1 :o     
provides orig9al in=mation relat+ to a  
violation ( ,f$]al consum] f9ancial law1
 consi/5t ) any rule or regulation issu$
 by ! ,bureau "u ?is section4  7b7      
,aw>ds  7#a7 ,9 g5]al ,9 any            
adm9i/rative proce$+ or c\rt action !   
,bureau1 subject to regulations         
prescrib$ by ! ,bureau & subject to     
subsection 7c71 %all pay an aw>d or     
aw>ds to #a or m :i/lebl[]s :o          
volunt>ily provid$ orig9al in=mation t  
l$ to ! successful en=cem5t ( ! cov]$   
adm9i/rative proce$+ or c\rt action 9 an
 aggregate am\nt equal to-- 7,a7 n less 
?an #aj p]c5t1 9 total1 ( :at has be5   
collect$ ( ! monet>y sanctions impos$ 9 
! action2 &  7,b7 n m ?an #cj p]c5t1 9  
total1 ( :at has be5 collect$ ( !       
monet>y sanctions impos$ 9 ! action4    

7#b7 ,paym5t ( aw>ds ,any am\nt paid "u 
p>agraph 7#a7 %all be paid f ! ,fund4   
7#c7 ,aw>d m9imum ,if ! ,bureau is      
unable to collect at lea/ #a1jjj1jjj ( !
 monet>y sanctions impos$ 9 ! action1 ! 
,bureau %all provide = an aw>d to any   
s+le :i/lebl[] equal to ! great] (--    
7,a7 #aj p]c5t ( ! am\nt collect$2 or   
7,b7 #ej1jjj4  7c7 ,det]m9ation ( am\nt 
( aw>d2 d5ial ( aw>d  7#a7 ,det]m9ation 
( am\nt ( aw>d  7,a7 ,discretion ,!     
det]m9ation ( ! p]c5tage am\nt ( an aw>d
 made "u subsection 7b7 %all be 9 !     
discretion ( ! ,bureau4  7,b7 ,crit]ia  
,9 det]m9+ ! p]c5tage am\nt ( an aw>d   
made "u subsection 7b71 ! ,bureau %all  
take into consid]ation-- 7i7 !          
significance ( ! in=mation provid$ by ! 
:i/lebl[] to ! successful en=cem5t ( !  
adm9i/rative proce$+ or c\rt action2    
7ii7 ! degree ( assi/ance provid$ by !  
:i/lebl[] & any legal repres5tative ( ! 
:i/lebl[] 9 an adm9i/rative proce$+ or  
c\rt action2  7iii7 ! programmatic      
int]e/ ( ! ,bureau 9 det]r+ violations (

 ,f$]al consum] f9ancial law 7includ+   
applicable regulations7 by mak+ aw>ds to
 :i/lebl[]s :o provide in=mation t leads
 to ! successful en=cem5t ( su* laws2 & 
7iv7 su* additional relevant factors z !
 ,bureau may e/abli% by rule or         
regulation4  7#b7 ,d5ial ( aw>d ,no aw>d
 "u subsection 7b7 %all be made-- 7,a7  
to any :i/lebl[] :o is1 or 0 at ! "t !  
:i/lebl[] acquir$ ! orig9al in=mation   
submitt$ to ! ,bureau1 a memb]1 (fic]1  
or employee ( an entity describ$ 9      
subclauses 7,i7 ?r\gh 7,v7 ( subsection 
7h77#a77;,c77i72  7,b7 to any :i/lebl[] 
:o is convict$ ( a crim9al violation    
relat$ to ! adm9i/rative proce$+ or c\rt
 action = :i* ! :i/lebl[] o!rwise c\ld  
receive an aw>d "u ?is section2  7,c7 to
 any :i/lebl[] :o is f\nd to be liable =
 ! conduct 9 ! adm9i/rative proce$+ or  
c\rt action1 or a relat$ action1 = :i* !
 :i/lebl[] o!rwise c\ld receive an aw>d 
"u ?is section2  7,d7 to any :i/lebl[]  
:o plann$ & initiat$ ! conduct at issue 
9 ! adm9i/rative proce$+ or c\rt action 

= :i* ! :i/lebl[] o!rwise c\ld receive  
an aw>d "u ?is section2  7,e7 to any    
:i/lebl[] :o submits in=mation to !     
,bureau t is bas$ on ! facts und]ly+ !  
adm9i/rative proce$+ or c\rt action     
previ\sly submitt$ by ano!r :i/lebl[]2 &
  7,f7 to any :i/lebl[] :o fails to     
submit in=mation to ! ,bureau 9 su* =m z
 ! ,bureau may1 by rule or regulation1  
require4  7d7 ,repres5tation  7#a7      
,p]mitt$ repres5tation ,any :i/lebl[] :o
 makes a claim = an aw>d "u subsection  
7b7 may be repres5t$ by c\nsel4  7#b7   
,requir$ repres5tation  7,a7 ,9 g5]al   
,any :i/lebl[] :o anonym\sly makes a    
claim = an aw>d "u subsection 7b7 %all  
be repres5t$ by c\nsel if ! :i/lebl[]   
submits ! in=mation ^u :i* ! claim is   
bas$4  7,b7 ,disclosure ( id5tity ,prior
 to ! paym5t ( an aw>d1 a :i/lebl[] %all
 disclose ! id5tity ( ! :i/lebl[] &     
provide su* o!r in=mation z ! ,bureau   
may require1 directly or ?r\gh c\nsel ( 
! :i/lebl[]4  7e7 ,no contract necess>y 
,no contract or o!r agreem5t ) ! ,bureau

 is necess>y = any :i/lebl[] to receive 
an aw>d "u subsection 7b71 unless       
o!rwise requir$ by ! ,bureau by rule or 
regulation4  7f7 ,appeals ,any          
det]m9ation made "u ?is section1 includ+
 :e!r1 to :om1 or 9 :at am\nt to make   
aw>ds1 %all be 9 ! discretion ( !       
,bureau4 ,any su* det]m9ation1 except ! 
det]m9ation ( ! am\nt ( an aw>d if !    
aw>d 0 made 9 accordance ) subsection   
7b71 may be appeal$ to ! appropriate    
c\rt ( appeals ( ! ,unit$ ,/ates n m ?an
 #cj days aft] ! det]m9ation is issu$ by
 ! ,bureau4 ,! c\rt %all review !       
det]m9ation made by ! ,bureau 9         
accordance ) section #gjf ( title #e4   
7g7 ,reports to ,congress ,n lat] ?an   
,octob] #cj ( ea* ye>1 ! ,bureau %all   
transmit to ! ,h\se ,committee on       
,f9ancial ,s]vices & ! ,s5ate ,committee
 on ,bank+1 ,h\s+1 & ,urban ,affairs a  
report on ! ,bureau's :i/lebl[] aw>d    
program "u ?is section1 includ+ a       
description ( ! numb] ( aw>ds grant$ & !
 types ( cases 9 :i* aw>ds 7 grant$ dur+

 ! prec$+ fiscal ye>4  7h7 ,protection (
 :i/lebl[]s  7#a7 ,confid5tiality  7,a7 
,9 g5]al ,except z provid$ 9            
subp>agraphs 7,b7 & 7,c71 ! ,bureau &   
any (fic] or employee ( ! ,bureau1 %all 
n disclose any in=mation1 includ+       
in=mation provid$ by a :i/lebl[] to !   
,bureau1 :i* c\ld reasonably be expect$ 
to reveal ! id5tity ( a :i/lebl[]1      
except 9 accordance ) ! provisions (    
section #eeb;a ( title #e1 ,unit$ ,/ates
 ,code1 unless & until requir$ to be    
disclos$ to a def5dant or respond5t 9   
connection ) a public proce$+ in/itut$  
by ! ,bureau or any entity describ$ 9   
subp>agraph 7,c74 ,= purposes ( section 
#eeb ( title #e1 ,unit$ ,/ates ,code1   
?is p>agraph %all be consid]$ a /atute  
describ$ 9 subsection 7b77#c77;,b7 ( su*
 section #eeb4  7,b7 ,effect ,no?+ 9 ?is
 p>agraph is int5d$ to limit ! ability (
 ! ,attorney ,g5]al to pres5t su*       
evid5ce to a gr& jury or to %>e su*     
evid5ce ) pot5tial witnesses or         
def5dants 9 ! c\rse ( an ongo+ crim9al  

inve/igation4  7,c7 ,availability to    
gov]nm5t ag5cies  7i7 ,9 g5]al ,)\t !   
loss ( its /atus z confid5tial 9 ! h&s (
 ! ,bureau1 all in=mation ref]r$ to 9   
subp>agraph 7,a7 may1 9 ! discretion ( !
 ,bureau1 :5 det]m9$ by ! ,bureau to be 
necess>y or appropriate1 be made        
available to-- 7,i7 ! ,dep>tm5t (       
,ju/ice2  7,,ii7 an appropriate dep>tm5t
 or ag5cy ( ! ,f$]al ,gov]nm5t1 act+ )9 
! scope ( its jurisdiction2  7,,iii7 a  
,/ate attorney g5]al 9 connection ) any 
crim9al inve/igation2  7,,iv7 an        
appropriate dep>tm5t or ag5cy ( any     
,/ate1 act+ )9 ! scope ( its            
jurisdiction2 &  7,v7 a =eign regulatory
 au?ority4  7ii7 ,ma9t5ance ( in=mation 
,ea* ( ! entities1 ag5cies1 or p]sons   
describ$ 9 clause 7i7 %all ma9ta9       
in=mation describ$ 9 t clause z         
confid5tial1 9 accordance ) !           
requirem5ts 9 subp>agraph 7,a74  7#b7   
,rights reta9$ ,no?+ 9 ?is section %all 
be deem$ to dim9i% ! rights1 privileges1
 or rem$ies ( any :i/lebl[] "u section  

#ajeg1 any o!r ,f$]al or ,/ate law1 or  
"u any collective b>ga9+ agreem5t4  7i7 
,rulemak+ au?ority ,! ,bureau %all h !  
au?ority to issue su* rules &           
regulations z may be necess>y or        
appropriate to implem5t ! provisions (  
?is section consi/5t ) ! purposes ( ?is 
section4  7j7 ,orig9al in=mation        
,in=mation submitt$ to ! ,bureau by a   
:i/lebl[] 9 accordance ) rules or       
regulations implem5t+ ?is section %all n
 lose its /atus z orig9al in=mation     
solely because ! :i/lebl[] submitt$ su* 
in=mation prior to ! effective date (   
su* rules or regulations1 provid$ su*   
in=mation 0 submitt$ aft] ! date (      
enactm5t ( ?is section4  7k7 ,provision 
( false in=mation ,a :i/lebl[] :o kn[+ly
 & willfully makes any false1 fictiti\s1
 or fraudul5t /atem5t or repres5tation1 
or :o makes or uses any false writ+ or  
docum5t kn[+ ! same to conta9 any false1
 fictiti\s1 or fraudul5t /atem5t or     
entry1 %all n be entitl$ to an aw>d "u  
?is section & %all be subject to        

prosecution "u section #ajja ( title    
#ah1 ,unit$ ,/ates ,code4  7l7          
,un5=ceability ( c]ta9 agreem5ts  7#a7  
,no waiv] ( rights & rem$ies ,except z  
provid$ "u p>agraph 7#c71 & not)/&+ any 
o!r provision ( law1 ! rights & rem$ies 
provid$ = 9 ?is section may n be waiv$  
by any agreem5t1 policy1 =m1 or         
condition ( employm5t1 includ+ by any   
pr$ispute arbitration agreem5t4  7#b7   
,no pr$ispute arbitration agreem5ts     
,except z provid$ "u p>agraph 7#c71 &   
not)/&+ any o!r provision ( law1 no     
pr$ispute arbitration agreem5t %all be  
valid or en=ceable to ! ext5t t x       
requires arbitration ( a dispute aris+  
"u ?is section4  7#c7 ,exception        
,not)/&+ p>agraphs 7#a7 & 7#b71 an      
arbitration provision 9 a collective    
b>ga9+ agreem5t %all be en=ceable z to  
disputes aris+ "u subsection 7a77#d71   
unless ! ,bureau det]m9es1 by rule1 t   
su* provision is inconsi/5t ) ! purposes
 ( ?is title4  4  7b7 ,consum] ,f9ancial
 ,civil ,p5alty ,fund ,section          

#ajag7;d77#b7 ( ! ,consum] ,f9ancial    
,protection ,act ( #bjaj 7#ab ,u4,s4,c4 
#edig7;d77#b77 is am5d$1 9 ! fir/       
s5t5ce1 by ins]t+ & = aw>ds au?oriz$ "u 
section #ajag;,a be=e ! p]iod at ! end4