,,ii  #aaf? ,,congress  #a/ ,session    
,s4 #fef  ,,9 ,,! ,,s5ate ,,( ,,!       
,,unit$ ,,/ates  ,m>* #e1 #bjai,mr4     
,m]kley 7= himself1 ,ms4 ,h>ris1 ,mr4   
,m>key1 ,mr4 ,blum5?al1 ,mrs4 ,murray1  
,mr4 ,book]1 ,mr4 ,wyd51 ,ms4 ,duckwor?1
 ,mrs4 ,fe9/e91 ,mr4 ,durb91 ,mr4       
,udall1 ,mr4 ,van ,holl51 ,ms4 ,smi?1   
,mr4 ,s&]s1 ,ms4 ,klobu*>1 ,mrs4        
,gillibr&1 ,ms4 ,baldw91 ,mr4 ,c>d91 &  
,mr4 ,he9ri*7 introduc$ ! foll[+ bill2  
:i* 0 read twice & ref]r$ to !          
,committee on ,bank+1 ,h\s+1 & ,urban   
,affairs  ,a ,,bill  ,to am5d ! ,tru? 9 
,l5d+ ,act to address c]ta9 issues      
relat+ to ! ext5sion ( consum] cr$it1 & 
= o!r purposes4  #a4 ,%ort title ,?is   
,act may be cit$ z ! ,/opp+ ,abuse &    
,fraud 9 ,electronic ,l5d+ ,act ( #bjai 
or ! ,,safe ,l5d+ ,act ( #bjai4  #b4    
,consum] control ov] bank acc\nts  7a7  
,prohibit+ unau?oriz$ remotely creat$   
*ecks ,section #ije ( ! ,electronic     
,fund ,transf] ,act 7#ae ,u4,s4,c4      
#afic;c7 is am5d$ by add+ at ! end !    

foll[+3  7d7 ,limitations on remotely   
creat$ *ecks  7#a7 ,def9ition ,9 ?is    
subsection-- 7,a7 ! t]m remotely creat$ 
*eck means a *eck1 includ+ a pap] or    
electronic *eck & any o!r paym5t ord] t 
! ,bureau1 by rule1 det]m9es is         
appropriately cov]$ "u ?is subsection1  
t--  7i7 is n creat$ by ! f9ancial      
in/itution t holds ! cu/om] acc\nt f :i*
 ! *eck is to be paid2 &  7ii7 does n   
be> a signature appli$1 or purport$ to  
be appli$1 by ! p]son f ^: acc\nt ! *eck
 is to be paid2 &  7,b7 ! t]m ,f$]al    
consum] f9ancial law has ! mean+ giv5 ! 
t]m 9 section #ajjb ( ! ,consum]        
,f9ancial ,protection ,act ( #bjaj 7#ab 
,u4,s4,c4 #edha74  7#b7 ,limitations    
,subject to ! limitations 9 p>agraph    
7#c7 & any additional limitations t !   
,bureau may e/abli%1 by rule1 a remotely
 creat$ *eck may only be issu$ by a     
p]son designat$ 9 writ+ by a consum]1 ) 
t writt5 designation specifically       
provid$ by ! consum] to ! insur$        
depository in/itution at :i* ! consum]  

ma9ta9s ! acc\nt f :i* ! *eck is to be  
drawn4  7#c7 ,additional limitations    
7,a7 ,9 g5]al ,a designation provid$ by 
a consum] "u p>agraph 7#b7 may be revok$
 at any "t by ! consum]4  7,b7 ,consum] 
f9ancial protection laws ,no paym5t     
ord]1 includ+ a remotely creat$ *eck1   
may be issu$ by any p]son 9 response to 
! ex]cise (1 or attempt to ex]cise1 any 
"r by a consum] "u--  7i7 any ,f$]al    
consum] f9ancial law2 or  7ii7 any o!r  
provision ( any law or regulation )9 !  
jurisdiction ( ! ,bureau4  4  7b7       
,consum] protections = c]ta9 "o-,"t     
electronic fund transf]s ,section #iac (
 ! ,electronic ,fund ,transf] ,act 7#ae 
,u4,s4,c4 #afick7 is am5d$--  7#a7 9 !  
matt] prec$+ p>agraph 7#a71 by ins]t+   
7a7 ,9 g5]al4-- be=e ,no p]son2  7#b7 9 
subsection 7a77#a71 z s designat$1 by   
/rik+ preau?oriz$ electronic fund       
transf]s & ins]t+ an electronic fund    
transf]2 &  7#c7 by add+ at ! end !     
foll[+3  7b7 ,treatm5t = electronic fund
 transf]s 9 cr$it ext5sions ,if a       

consum] volunt>ily agrees to repay an   
ext5sion ( a small-doll> consum] cr$it  
transaction1 z def9$ 9 section #aaj7;a7 
( ! ,tru? 9 ,l5d+ ,act1 by means ( an   
electronic fund transf]1 ! electronic   
fund transf] %all be treat$ z a         
preau?oriz$ electronic fund transf]     
subject to ! protections ( ?is title4  4
  #c4 ,transp>5cy & consum] emp[]m5t 9  
small-doll> l5d+  7a7 ,small-,doll>     
consum] cr$it transactions  7#a7 ,9     
g5]al ,! ,tru? 9 ,l5d+ ,act 7#ae        
,u4,s4,c4 #afja et seq47 is am5d$-- 7,a7
 by ins]t+ aft] section #aji 7#ae       
,u4,s4,c4 #afjh7 ! foll[+3  #aaj4       
,regi/ration requirem5t = small-doll>   
l5d]s  7a7 ,def9ition ,9 ?is section1 ! 
t]m small-doll> consum] cr$it           
transaction--  7#a7 means any           
transaction t ext5ds cr$it t is-- 7,a7  
made to a consum] 9 an am\nt t--  7i7 is
 n m ?an-- 7,i7 #e1jjj2 or  7,,ii7 su*  
great] am\nt z ! ,bureau may1 by rule1  
det]m9e2 &  7ii7 %all be adju/$ annually
 to reflect *anges 9 ! ,consum] ,price  

,index = all urban consum]s publi%$ by !
 ,dep>tm5t ( ,labor2 &  7,b7 ext5d$     
pursuant to an agreem5t t is--  7i7 7,i7
 o!r ?an an op5 end cr$it plan2 &       
7,,ii7 payable 9 #a or m in/allm5ts (   
less ?an #ab mon?s 7or su* long] p]iod z
 ! ,bureau may1 by rule1 det]m9e72  7ii7
 an op5 end cr$it plan 9 :i* ea* advance
 is fully repayable )9 a def9$ "t or 9  
connection ) a def9$ ev5t1 or bo?2 or   
7iii7 any o!r plan z ! ,bureau det]m9es1
 by rule2 &  7#b7 includes any action t 
facilitates1 brok]s1 arranges1 or ga!rs 
applications = a transaction describ$ 9 
p>agraph 7#a74  7b7 ,regi/ration        
requirem5t ,a p]son %all regi/] ) !     
,bureau be=e issu+ cr$it 9 a small-doll>
 consum] cr$it transaction4  2 &  7,b7 9
 section #agc 7#ae ,u4,s4,c4 #afff;j71  
by add+ at ! end ! foll[+3  7d7 ,not)/&+
 any o!r provision ( ?is title1 any     
small-doll> consum] cr$it transaction1 z
 def9$ 9 section #aaj7;a71 %all comply )
 ! laws ( ! ,/ate 9 :i* ! consum] to :i*
 cr$it 9 ! transaction is ext5d$ resides

 ) respect to annual p]c5tage rates1    
int]e/1 fees1 *>ges1 & su* o!r simil> or
 relat$ matt]s z ! ,bureau may1 by rule1
 det]m9e if ! small-doll> consum] cr$it 
transaction is--  7#a7 made-- 7,a7 ov] !
 ,int]net2  7,b7 by telephone2  7,c7 by 
facsimile2  7,d7 by mail2  7,e7 by      
electronic mail2 or  7,f7 ?r\gh ano!r   
electronic communication2 or  7#b7      
conduct$ by a national bank4  4  7#b7   
,te*nical & con=m+ am5dm5t ,! table (   
sections = *apt] #a ( ! ,tru? 9 ,l5d+   
,act 7#ae ,u4,s4,c4 #afja et seq47 is   
am5d$ by ins]t+ aft] ! item relat+ to   
section #aji ! foll[+3  #aaj4           
,regi/ration requirem5t = small-doll>   
l5d]s4  4  7b7 ,prohibition on c]ta9    
fees ,section #iae ( ! ,electronic ,fund
 ,transf] ,act 7#ae ,u4,s4,c4 #aficl-#a7
 is am5d$-- 7#a7 by r$esignat+          
subsection 7d7 z subsection 7e72 &  7#b7
 by ins]t+ aft] subsection 7c7 ! foll[+3
  7d7 ,additional fees prohibit$  7#a7  
,def9ition ,9 ?is subsection1 ! t]m     
prepaid acc\nt has ! mean+ giv5 ! t]m by

 rule ( ! ,bureau4  7#b7 ,prohibition ,)
 respect to ! use ( a prepaid acc\nt by 
a consum]--  7,a7 x %all be unlawful =  
any p]son to *>ge ! consum] a fee = an  
ov]draft ) respect to ! prepaid acc\nt1 
includ+ a %ortage ( funds or a          
transaction process$ = an am\nt exce$+ !
 acc\nt balance ( ! prepaid acc\nt2     
7,b7 any transaction = an am\nt t exce$s
 ! acc\nt balance ( ! prepaid acc\nt may
 be decl9$1 except t ! consum] may n be 
*>g$ a fee = t purpose2 &  7,c7 !       
,bureau may1 by rule1 prohibit ! *>g+ ( 
any fee s t ! ,bureau may-- 7i7 prev5t  
unfair1 deceptive1 or abusive practices2
 &  7ii7 promote ! ability ( ! consum]  
to und]/& & comp>e ! co/s ( prepaid     
acc\nts4  4  #d4 ,re/rictions on lead   
g5]ation 9 small-doll> consum] cr$it    
transactions  7a7 ,9 g5]al ,*apt] #b ( !
 ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afca
 et seq47 is am5d$ by add+ at ! end !   
foll[+3  #adj;,b4 ,re/rictions on lead  
g5]ation 9 small-doll> consum] cr$it    
transactions  7a7 ,def9itions ,9 ?is    

section-- 7#a7 ! t]ms ,int]net access   
s]vice & ,int]net in=mation location    
tool h ! mean+s giv5 ^? t]ms 9 section  
#bca7;e7 ( ! ,communications ,act (     
#aicd 7#dg ,u4,s4,c4 #bca7;e772  7#b7 ! 
t]m s5sitive p]sonal f9ancial in=mation 
means a social security numb]1 f9ancial 
acc\nt numb]1 bank r\t+ numb]1 bank     
acc\nt numb]1 or security or access code
 t is imm$iately necess>y to p]mit      
access to ! f9ancial acc\nt ( an        
individual2 &  7#c7 ! t]m small-doll>   
consum] cr$it transaction has ! mean+   
giv5 ! t]m 9 section #aaj7;a74  7b7     
,id5tification in=mation ,any p]son     
facilitat+1 brok]+1 arrang+ =1 or ga!r+ 
applications = ! di/ribution ( s5sitive 
p]sonal f9ancial in=mation 9 connection 
) a small-doll> consum] cr$it           
transaction %all prom95tly disclose     
in=mation by :i* ! p]son may be contact$
 or id5tifi$1 includ+ = s]vice ( process
 & = id5tification ( ! regi/rant ( any  
doma9 "n regi/]$ or us$4  7c7           
,prohibition on lead g5]ation 9         

small-,doll> consum] cr$it transactions 
,no p]son may facilitate1 brok]1 arrange
 =1 or ga!r applications = ! di/ribution
 ( s5sitive p]sonal f9ancial in=mation 9
 connection ) a small-doll> consum]     
cr$it transaction unless ! p]son is     
directly provid+ ! small-doll> consum]  
cr$it to a consum]4  7d7 ,rule (        
con/ruction  7#a7 ,9 g5]al ,no?+ 9 ?is  
section may be con/ru$ to limit !       
au?ority ( ! ,bureau to fur!r re/rict   
activities cov]$ by ?is section4  7#b7  
,cl>ification ,= ! purposes ( ?is       
section1 x %all n be consid]$ facilitat+
 ! di/ribution ( s5sitive p]sonal       
f9ancial in=mation 9 connection ) a     
small-doll> consum] cr$it transaction to
 be engag$ solely 9 "o ( ! foll[+       
activities3  7,a7 ,! provision ( a      
telecommunications s]vice1 an ,int]net  
access s]vice1 or an ,int]net in=mation 
location tool4  7,b7 ,! transmission1   
/orage1 retrieval1 ho/+1 =matt+1 or     
translation 7or any comb9ation !re(7 ( a
 communication1 )\t selection or        

alt]ation ( ! cont5t ( ! communication1 
except ! deletion ( a p>ticul>          
communication or mat]ial made by ano!r  
p]son 9 a mann] t is consi/5t ) section 
#bcj7;c7 ( ! ,communications ,act (     
#aicd 7#dg ,u4,s4,c4 #bcj7;c774  4  7b7 
,te*nical & con=m+ am5dm5t ,! table (   
sections = *apt] #b ( ! ,tru? 9 ,l5d+   
,act 7#ae ,u4,s4,c4 #afca et seq47 is   
am5d$ by add+ at ! end ! foll[+3        
#adj;,b4 ,re/rictions on lead g5]ation 9
 small-doll> consum] cr$it transactions4
  4  #e4 ,/udies  7a7 ,def9itions ,9 ?is
 section-- 7#a7 ! t]m appropriate       
committees ( ,congress means--  7,a7 !  
,committee on ,bank+1 ,h\s+1 & ,urban   
,affairs ( ! ,s5ate2  7,b7 ! ,committee 
on ,indian ,affairs ( ! ,s5ate2  7,c7 ! 
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives2 &  7,d7 !      
,committee on ,natural ,res\rces ( !    
,h\se ( ,repres5tatives2 &  7#b7 ! t]m  
,indian tribe has ! mean+ giv5 ! t]m 9  
section #d ( ! ,indian                  
,self-,det]m9ation & ,education         

,assi/ance ,act 7#be ,u4,s4,c4 #ecjd74  
7b7 ,/udy requir$ ,n lat] ?an #ahj days 
aft] ! date ( enactm5t ( ?is ,act1 !    
,comptroll] ,g5]al ( ! ,unit$ ,/ates    
%all conduct a /udy reg>d+--  7#a7 !    
availability ( capital on res]vations ( 
,indian tribes2 &  7#b7 ! impact t      
small-doll> consum] cr$it ext5d$ ?r\gh  
int]net & non-int]net means to memb]s ( 
,indian tribes has _h on economic       
opportunity & weal? = memb]s ( ,indian  
tribes4  7c7 ,consultation ,9 conduct+ !
 /udy requir$ "u subsection 7b71 !      
,comptroll] ,g5]al ( ! ,unit$ ,/ates    
%all consult1 z appropriate1 )--  7#a7 !
 ,bureau ( ,consum] ,f9ancial           
,protection2  7#b7 ! ,bo>d ( ,gov]nors (
 ! ,f$]al ,res]ve ,sy/em2  7#c7 !       
,director ( ! ,bureau ( ,indian         
,affairs2  7#d7 f$]ally recogniz$       
,indian tribes2 &  7#e7 community       
developm5t f9ancial in/itutions op]at+ 9
 ,indian l&s4  7d7 ,congressional       
consid]ation ,! ,comptroll] ,g5]al ( !  
,unit$ ,/ates %all submit to !          

appropriate committees ( ,congress !    
/udy requir$ "u subsection 7b74  #f4    
,rulemak+ ,n lat] ?an #a ye> aft] ! date
 ( enactm5t ( ?is ,act1 ! ,bureau (     
,consum] ,f9ancial ,protection %all     
adopt any f9al rules t are necess>y to  
implem5t ! provisions ( ?is ,act & !    
am5dm5ts made by ?is ,act4