,i  #aagth ,,congress  #ast ,session    
,h4 ,r4 #dedh  ,,in ,,the ,,house ,,of  
,,representatives  ,july #bj1 #bjba,mr4 
,williams of ,texas 7for himself1 ,mr4  
,mc,henry1 ,mr4 ,luetkemeyer1 ,mr4      
,barr1 ,mr4 ,huizenga1 ,mr4 ,budd1 ,mr4 
,timmons1 ,mr4 ,kustoff1 ,mr4 ,sessions1
 ,mr4 ,mooney1 and ,mr4 ,gooden of      
,texas7 introduced the following bill2  
which was referred to the ,committee on 
,financial ,services  ,a ,,bill  ,to    
amend the ,consumer ,protection ,act of 
#bjaj to grant the ,bureau of ,consumer 
,financial ,protection the authority to 
regulate certain acts and practices     
using processes and procedures          
consistent with and similar to those in 
place at the ,federal ,trade            
,commission1 to encourage greater       
communication amongst regulators1 and   
for other purposes4  #a4 ,short title   
,this ,act may be cited as the ,unfair  
or ,deceptive ,acts or ,practices       
,uniformity ,act4  #b4 ,bureau authority
 over unfair and deceptive acts or      

practices  7a7 ,in general ,section     
#ajca of the ,consumer ,financial       
,protection ,act of #bjaj 7#ab ,u4,s4,c4
 #eeca7 is amended-- 7#a7 in the heading
 of such section1 by striking 1         
,,deceptive1 ,,or ,,abusive and         
inserting ,,or ,,deceptive2  7#b7 in    
subsection 7a7-- 7,a7 by striking 1     
deceptive1 or abusive and inserting or  
deceptive2 and  7,b7 by adding at the   
end the following3 ,the ,bureau may not 
take any action described under this    
subsection against a covered person or  
service provider unless the ,bureau     
first consults the covered person or    
service provider's primary financial    
regulatory agency1 if any42  7#c7 in    
subsection 7b7-- 7,a7 by striking 1     
deceptive1 or abusive and inserting or  
deceptive2 and  7,b7 by inserting at the
 end the following3 ,in prescribing any 
rule under this subsection1 the ,bureau 
shall comply with the requirements of   
section #ah of the ,federal ,trade      
,commission ,act 7#ae ,u4,s4,c4 #eg;a7  

applicable to the ,federal ,trade       
,commission when the ,commission        
prescribes rules and general statements 
of policy under that section with       
respect to unfair or deceptive acts or  
practices in or affecting commerce42    
7#d7 by striking subsection 7d72 and    
7#e7 by redesignating subsections 7e7   
and 7f7 as subsections 7d7 and 7e71     
respectively4  7b7 ,conforming          
amendments  7#a7 ,consumer ,financial   
,protection ,act of #bjaj ,the ,consumer
 ,financial ,protection ,act of #bjaj   
7#ab ,u4,s4,c4 #edha et seq47 is        
amended-- 7,a7 by striking 1 deceptive1 
and abusive each place such term appears
 and inserting and deceptive2 and  7,b7 
by striking 1 deceptive1 or abusive each
 place such term appears and inserting  
or deceptive4  7#b7 ,dodd-,frank ,wall  
,street ,reform and ,consumer           
,protection ,act ,the table of contents 
in section #a7;b7 of the ,dodd-,frank   
,wall ,street ,reform and ,consumer     
,protection ,act is amended1 in the item

 relating to section #ajca1 by striking 
1 ,,deceptive1 ,,or ,,abusive and       
inserting ,,or ,,deceptive4  7#c7       
,omnibus ,appropriations ,act1 #bjji    
,section #fbf7;a77#a7 of the ,omnibus   
,appropriations ,act1 #bjji 7#ae        
,u4,s4,c4 #afch note7 is amended by     
striking 1 deceptive1 or abusive and    
inserting or deceptive4