,,ii  #aah? ,,congress  #b;d ,session   
,s4 #chce  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,febru>y #bi1 #bjbd,ms4
 ,smi? introduc$ ! foll[+ bill2 :i* 0   
read twice & ref]r$ to ! ,committee on  
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to e/abli% an int]ag5cy ,work+ 
,gr\p to /udy f9ancial safety &         
inclusion = survivors1 & = o!r purposes4
  #a4 ,%ort title ,?is ,act may be cit$ 
z ! ,survivor ,f9ancial ,safety &       
,inclusion ,work+ ,gr\p ,act4  #b4      
,work+ ,gr\p = ,f9ancial ,safety &      
,inclusion = ,survivors  7a7 ,def9itions
 ,9 ?is section3 7#a7 ,cov]$ ag5cy ,!   
t]m cov]$ ag5cies means ! foll[+3 7,a7  
,! ,dep>tm5t ( ! ,treasury4  7,b7 ,!    
,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve    
,sy/em4  7,c7 ,! ,bureau ( ,consum]     
,f9ancial ,protection4  7,d7 ,! ,f$]al  
,deposit ,insurance ,corporation4  7,e7 
,! ,(fice ( ! ,comptroll] ( ! ,curr5cy4 
7,f7 ,! ,national ,cr$it ,union         
,adm9i/ration4  7,g7 ,! ,securities &   
,ex*ange ,commission4  7,h7 ,! ,/ate    

insurance regulators4  7#b7 ,dome/ic    
viol5ce ,! t]m dome/ic viol5ce means !  
use or attempt$ use ( physical abuse or 
sexual abuse1 or a patt]n ( any o!r     
co]cive behavior committ$1 enabl$1 or   
solicit$ to ga9 or ma9ta9 p[] & control 
ov] a survivor1 includ+ v]bal1          
psy*ological1 economic1 or te*nological 
abuse t may or may n con/itute crim9al  
behavior1 by a p]son :o-- 7,a7 is a     
curr5t or =m] sp\se or intimate p>tn] ( 
! survivor1 or p]son simil>ly situat$ to
 a sp\se ( ! survivor2  7,b7 is         
cohabitat+1 or has cohabitat$1 ) !      
survivor z a sp\se or intimate p>tn]2   
7,c7 %>es a *ild 9 common ) ! survivor2 
or  7,d7 commits acts aga9/ a y\? or    
adult survivor :o is protect$ f ^? acts 
"u ! family or dome/ic viol5ce laws ( ! 
jurisdiction4  7#c7 ,economic abuse ,!  
t]m economic abuse means behavior t is  
co]cive1 deceptive1 or unreasonably     
controls or re/ra9s ! ability ( a p]son 
to acquire1 use1 or ma9ta9 economic     
res\rces to :i* !y are entitl$1 includ+ 

us+ co]cion1 fraud1 or manipulation1    
to-- 7,a7 re/rict access ( a p]son to   
money1 assets1 cr$it1 or f9ancial       
in=mation2  7,b7 unfairly use ! p]sonal 
economic res\rces ( ano!r p]son1 includ+
 money1 assets1 & cr$it1 = ! advantage (
 ! p]son2  7,c7 ex]t undue influ5ce ov] 
! f9ancial & economic behavior or       
decisions ( ano!r p]son1 includ+ =c+    
default on jo9t or o!r f9ancial         
obligations2  7,d7 exploit p[]s (       
attorney1 gu>dian%ip1 or cons]vator%ip2 
or  7,e7 fail or neglect to act 9 ! be/ 
int]e/ ( ano!r p]son to :om "o has a    
fiduci>y duty4  7#d7 ,indian tribe ,!   
t]m ,indian tribe means an ,indian tribe
 includ$ on ! li/ publi%$ by ! ,secret>y
 ( ! ,int]ior "u section #ajd ( !       
,f$]ally ,recogniz$ ,indian ,tribe ,li/ 
,act ( #aiid 7#be ,u4,s4,c4 #eaca74     
7#e7 ,l[- or mod]ate-income community ,!
 t]m l[- or mod]ate-income community    
means a c5sus tract designat$ z         
l[-income or mod]ate-income by !        
,f9ancial ,in/itutions ,exam9ations     

,c\ncil on a public website ( ! ,c\ncil4
  7#f7 ,regulat$ f9ancial in/itution ,! 
t]m regulat$ f9ancial in/itution means--
 7,a7 a depository in/itution1 z def9$ 9
 section #c ( ! ,f$]al ,deposit         
,insurance ,act 7#ab ,u4,s4,c4 #ahac72  
7,b7 a ,f$]al cr$it union or a ,/ate    
cr$it union1 z ^? t]ms are def9$ 9      
section #aja ( ! ,f$]al ,cr$it ,union   
,act 7#ab ,u4,s4,c4 #ageb72  7,c7 an    
inve/m5t advis]1 z def9$ 9 section      
#bjb7;a7 ( ! ,inve/m5t ,advis]s ,act (  
#aidj 7#ae ,u4,s4,c4 #hj;b-#b7;a772     
7,d7 a brok] or deal]1 z def9$ 9 section
 #c7;a7 ( ! ,securities ,ex*ange ,act ( 
#aicd 7#ae ,u4,s4,c4 #gh;c7a772  7,e7 an
 insurance company1 z def9$ 9 section   
#b7;a7 ( ! ,inve/m5t ,company ,act (    
#aidj 7#ae ,u4,s4,c4 #hj;a-#b7;a772     
7,f7 any bus9ess entity t sells1        
solicits1 or negotiates insurance       
cov]age2  7,g7 a transf] ag5t1 z def9$ 9
 section #c7;a7 ( ! ,securities ,ex*ange
 ,act ( #aicd 7#ae ,u4,s4,c4 #gh;c7a772 
7,h7 an individual :o is requir$ "u     

,/ate law to be lic5s$ to sell1 solicit1
 or negotiate insurance cov]age2 &  7,i7
 an individual :o-- 7i7 is employ$ by1  
or associat$ )1 an inve/m5t advis]2 &   
7ii7 does n p]=m solely cl]ical or      
m9i/]ial acts4  7#g7 ,rural area ,! t]m 
rural area means any c\nty t is mo/ly   
rural or completely rural 9 ! late/     
available dec5nial c5sus4  7#h7 ,/ate ,!
 t]m ,/ate means ea* ( ! sev]al ,/ates (
 ! ,unit$ ,/ates & ! ,di/rict (         
,columbia4  7#i7 ,survivor ,! t]m       
survivor means an individual :o is or   
has previ\sly be5 subject$ to dome/ic   
viol5ce1 includ+ economic abuse4  7#aj7 
,t]ritory ( ! ,unit$ ,/ates ,! t]m      
t]ritory ( ! ,unit$ ,/ates means-- 7,a7 
! ,commonweal? ( ,pu]to ,rico2  7,b7    
,guam2  7,c7 ,am]ican ,samoa2  7,d7 !   
,commonweal? ( ! ,nor!rn ,m>iana ,isl&s2
 &  7,e7 ! ,unit$ ,/ates ,virg9 ,isl&s4 
7#aa7 ,work+ ,gr\p ,! t]m ,work+ ,gr\p  
means ! int]ag5cy work+ gr\p e/abli%$ "u
 subsection 7b74  7b7 ,e/abli%m5t ,!re  
is e/abli%$ an int]ag5cy work+ gr\p to  

/udy ! foll[+3 7#a7 ,h[ ,congress &     
cov]$ ag5cies c support regulat$        
f9ancial in/itutions 9 safely &         
confid5tially collect+ data on-- 7,a7 ! 
types & preval5ce ( economic abuse      
tactics t are be+ c>ri$ out ?r\gh       
regulat$ f9ancial in/itutions2 &  7,b7 !
 impacts ( economic abuse tactics on    
consum]s & regulat$ f9ancial            
in/itutions4  7#b7 ,data f regulat$     
f9ancial in/itutions on ! /ati/ics1     
tr5ds1 & impacts ( economic abuse c>ri$ 
out ?r\gh regulat$ f9ancial in/itutions4
  7#c7 ,h[ regulat$ f9ancial in/itutions
 c improve exi/+ f9ancial products &    
s]vices & design & (f] new f9ancial     
products & s]vices specially tailor$ to 
meet ! f9ancial & safety ne$s (         
survivors4  7#d7 ,h[ ! recomm5dations & 
guidance provid$ by ! ,work+ ,gr\p      
acc\nt = any additional f9ancial or     
safety ne$s ( hi/orically und]bank$ &   
und]s]v$ communities1 includ+ rural     
communities1 l[- or mod]ate-income      
communities1 ,indian tribes1 &          

t]ritories ( ! ,unit$ ,/ates4  7#e7 ,any
 legislative or regulatory au?ority     
necess>y to implem5t any recomm5dations 
or guidance provid$ by ! ,work+ ,gr\p4  
7c7 ,memb]%ip ,! ,work+ ,gr\p %all be   
compris$ ( ! foll[+3 7#a7 ,! head ( ea* 
( ! foll[+1 or ! head's designee3 7,a7  
,! ,dep>tm5t ( ! ,treasury4  7,b7 ,!    
,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve    
,sy/em4  7,c7 ,! ,bureau ( ,consum]     
,f9ancial ,protection4  7,d7 ,! ,f$]al  
,deposit ,insurance ,corporation4  7,e7 
,! ,(fice ( ! ,comptroll] ( ! ,curr5cy4 
7,f7 ,! ,national ,cr$it ,union         
,adm9i/ration4  7,g7 ,! ,securities &   
,ex*ange ,commission4  7#b7 ,a ,/ate    
insurance commission] select$ by ! ,/ate
 insurance commission]s 7?r\gh !        
,national ,association ( ,insurance     
,commission]s74  7#c7 ,"o individual )  
exp]tise 9 economic abuse & exp]i5ce    
work+ ) & advocat+ on behalf ( survivors
 ( dome/ic viol5ce1 appo9t$ by !        
,secret>y ( ! ,treasury4  7#d7 ,"o      
individual ) exp]tise 9 consum]         

protection & exp]i5ce work+ ) & advocat+
 on behalf ( consum]s1 appo9t$ by !     
,secret>y ( ! ,treasury4  7#e7 ,"o      
individual :o is a memb] (1 & has       
exp]i5ce work+ ) & advocat+ on behalf (1
 communities t h be5 hi/orically        
und]bank$ & unbank$1 includ+ rural      
communities1 l[- or mod]ate-income      
h\seholds1 ,indian tribes1 & t]ritories 
( ! ,unit$ ,/ates1 appo9t$ by !         
,secret>y ( ! ,treasury4  7#f7 ,any o!r 
individuals1 b no m ?an #d1 appo9t$ by !
 ,secret>y ( ! ,treasury1 z ! ,secret>y 
det]m9es appropriate4  7d7 ,*airp]son ,!
 ,secret>y ( ! ,treasury 7or !          
,secret>y's designee1 z applicable7 %all
 s]ve z ! *airp]son ( ! ,work+ ,gr\p4   
7e7 ,t]ms  7#a7 ,9 g5]al ,a memb] ( !   
,work+ ,gr\p %all s]ve a t]m ( #b ye>s4 
7#b7 ,limitation ,ea* individual appo9t$
 "u p>agraphs 7#c7 ?r\gh 7#f7 (         
subsection 7c7 may only s]ve #a t]m4    
7#c7 ,fir/ t]m ,! fir/ t]m ( ! ,work+   
,gr\p %all beg9 on ,janu>y #a/ ( ! fir/ 
cal5d> ye> t beg9s aft] ! date (        

enactm5t ( ?is ,act4  7f7 ,meet+s ,!    
,work+ ,gr\p %all conv5e n lat] ?an #fj 
days aft] ! beg9n+ ( ! fir/ t]m ( !     
,work+ ,gr\p & %all meet n less         
frequ5tly ?an twice a ye> !reaft]4  7g7 
,comp5sation ,memb]s ( ! ,work+ ,gr\p   
%all receive no additional comp5sation  
by reason ( _! s]vice on ! ,work+ ,gr\p4
  7h7 ,travel exp5ses ,memb]s ( ! ,work+
 ,gr\p %all be all[$ travel exp5ses1    
includ+ p] diem 9 lieu ( subsi/5ce1 at  
rates au?oriz$ = employees ( ag5cies "u 
sub*apt] ,i ( *apt] #eg ( title #e1     
,unit$ ,/ates ,code1 :ile away f home or
 regul> places ( bus9ess 9 p]=mance (   
s]vice = ! ,work+ ,gr\p4  7i7 ,annual   
reports  7#a7 ,9 g5]al ,! ,work+ ,gr\p  
%all submit to ! ,committee on ,bank+1  
,h\s+1 & ,urban ,affairs ( ! ,s5ate & ! 
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives an annual report
 reg>d+-- 7,a7 ! activities ( ! ,work+  
,gr\p2 &  7,b7 ! /udy requir$ "u        
subsection 7b74  7#b7 ,public           
availability ,! report "u p>agraph 7#a7 

%all be made publicly available onl9e & 
9 accessible =mat t complies ) section  
#d7;b7 ( ! ,pla9 ,writ+ ,act ( #bjaj 7#e
 ,u4,s4,c4 #cja note7 & ,executive ,ord]
 #acaff 7#db ,u4,s4,c4 #bjjj;d-#a note2 
relat+ to access to s]vices = p]sons )  
limit$ ,engli% pr(ici5cy74  7j7         
,congressional te/imony ,! head ( an    
ag5cy describ$ "u subp>agraphs 7,a7     
?r\gh 7,g7 ( subsection 7c77#a7 %all1 :5
 provid+ ! semiannual writt5 te/imony & 
appe>+ be=e ! ,committee on ,bank+1     
,h\s+1 & ,urban ,affairs ( ! ,s5ate & ! 
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives1 include        
in=mation on ! activities ( ! ag5cy z "p
 ( ! ,work+ ,gr\p4  7k7 ,transp>5cy ,to 
! greate/ ext5t practicable1 ! ,work+   
,gr\p %all op]ate 9 a transp>5t mann] t 
adh]es to ! requirem5ts ( *apt] #aj (   
title #e1 ,unit$ ,/ates ,code1 ) !      
exception t ! ,work+ ,gr\p %all be      
p]mitt$ to freely communicate bo? dur+ &
 betwe5 meet+s 9 a confid5tial mann] to 
discuss non-public in=mation & o!r      

s5sitive & nonpublic issues4