,i  #aag? ,,congress  #a/ ,session  ,h4 
,r4 #dedh  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,july #bj1 #bjba,mr4  
,williams ( ,texas 7= himself1 ,mr4     
,mc,henry1 ,mr4 ,luetkemey]1 ,mr4 ,b>r1 
,mr4 ,huiz5ga1 ,mr4 ,budd1 ,mr4         
,timmons1 ,mr4 ,ku/(f1 ,mr4 ,sessions1  
,mr4 ,mooney1 & ,mr4 ,good5 ( ,texas7   
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,f9ancial ,s]vices  ,a 
,,bill  ,to am5d ! ,consum] ,protection 
,act ( #bjaj to grant ! ,bureau (       
,consum] ,f9ancial ,protection !        
au?ority to regulate c]ta9 acts &       
practices us+ processes & proc$ures     
consi/5t ) & simil> to ^? 9 place at !  
,f$]al ,trade ,commission1 to enc\rage  
great] communication among/ regulators1 
& = o!r purposes4  #a4 ,%ort title ,?is 
,act may be cit$ z ! ,unfair or         
,deceptive ,acts or ,practices ,uni=mity
 ,act4  #b4 ,bureau au?ority ov] unfair 
& deceptive acts or practices  7a7 ,9   
g5]al ,section #ajca ( ! ,consum]       
,f9ancial ,protection ,act ( #bjaj 7#ab 

,u4,s4,c4 #eeca7 is am5d$-- 7#a7 9 !    
head+ ( su* section1 by /rik+ 1         
,,deceptive1 ,,or ,,abusive & ins]t+    
,,or ,,deceptive2  7#b7 9 subsection    
7a7-- 7,a7 by /rik+ 1 deceptive1 or     
abusive & ins]t+ or deceptive2 &  7,b7  
by add+ at ! end ! foll[+3 ,! ,bureau   
may n take any action describ$ "u ?is   
subsection aga9/ a cov]$ p]son or s]vice
 provid] unless ! ,bureau fir/ consults 
! cov]$ p]son or s]vice provid]'s prim>y
 f9ancial regulatory ag5cy1 if any42    
7#c7 9 subsection 7b7-- 7,a7 by /rik+ 1 
deceptive1 or abusive & ins]t+ or       
deceptive2 &  7,b7 by ins]t+ at ! end ! 
foll[+3 ,9 prescrib+ any rule "u ?is    
subsection1 ! ,bureau %all comply ) !   
requirem5ts ( section #ah ( ! ,f$]al    
,trade ,commission ,act 7#ae ,u4,s4,c4  
#eg;a7 applicable to ! ,f$]al ,trade    
,commission :5 ! ,commission prescribes 
rules & g5]al /atem5ts ( policy "u t    
section ) respect to unfair or deceptive
 acts or practices 9 or affect+         
comm]ce42  7#d7 by /rik+ subsection 7d72

 &  7#e7 by r$esignat+ subsections 7e7 &
 7f7 z subsections 7d7 & 7e71           
respectively4  7b7 ,con=m+ am5dm5ts     
7#a7 ,consum] ,f9ancial ,protection ,act
 ( #bjaj ,! ,consum] ,f9ancial          
,protection ,act ( #bjaj 7#ab ,u4,s4,c4 
#edha et seq47 is am5d$-- 7,a7 by /rik+ 
1 deceptive1 & abusive ea* place su* t]m
 appe>s & ins]t+ & deceptive2 &  7,b7 by
 /rik+ 1 deceptive1 or abusive ea* place
 su* t]m appe>s & ins]t+ or deceptive4  
7#b7 ,dodd-,frank ,wall ,/reet ,re=m &  
,consum] ,protection ,act ,! table (    
cont5ts 9 section #a7;b7 ( !            
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act is am5d$1 9 ! 
item relat+ to section #ajca1 by /rik+ 1
 ,,deceptive1 ,,or ,,abusive & ins]t+   
,,or ,,deceptive4  7#c7 ,omnibus        
,appropriations ,act1 #bjji ,section    
#fbf7;a77#a7 ( ! ,omnibus               
,appropriations ,act1 #bjji 7#ae        
,u4,s4,c4 #afch note7 is am5d$ by /rik+ 
1 deceptive1 or abusive & ins]t+ or     
deceptive4