,i #aai? ,,congress #a/ ,session ,h4 ,r4 #djif ,,9 ,,! ,,h\se ,,( ,,repres5tatives ,june #bd1 #bjbe,mr4 ,ca/5 7= himself1 ,mrs4 ,kiggans ( ,virg9ia1 & ,mrs4 ,beatty7 introduc$ ! foll[+ bill2 :i* 0 ref]r$ to ! ,committee on ,f9ancial ,s]vices1 & 9 addition to ! ,committees on ,en]gy & ,comm]ce1 ,transportation & ,infra/ructure1 & ,education & ,work=ce1 = a p]iod to be subsequ5tly det]m9$ by ! ,speak]1 9 ea* case = consid]ation ( su* provisions z fall )9 ! jurisdiction ( ! committee conc]n$ ,a ,,bill ,to require cov]$ companies to all[ cons5t+ cohabitat+ adults to op5 jo9t acc\nts1 & = o!r purposes4 #a4 ,%ort title ,?is ,act may be cit$ z ! ,f9ancial ,emp[]m5t & ,protection ,act4 #b4 ,cov]$ company jo9t acc\nts ( cons5t+ cohabitat+ adults 7a7 ,requirem5ts = cov]$ company jo9t acc\nts ( cons5t+ cohabitat+ adults 7#a7 ,jo9t acc\nts 7,a7 ,9 g5]al ,ea* cov]$ company %all all[ cons5t+ cohabitat+ adults :o are or w be cu/om]s ( ! cov]$ company to op5 a jo9t acc\nt ) ! cov]$ company = purposes ( manag+-- 7i7 ! s]vices provid$ by ! cov]$ company2 & 7ii7 bills = su* s]vices4 7,b7 ,agreem5t requir$ ,a jo9t acc\nt may n be op5$ pursuant to ?is p>agraph unless ea* ( ! cons5t+ cohabitat+ adults agree to op5 ! jo9t acc\nt4 7#b7 ,names ,ea* jo9t acc\nt op5$ pursuant to p>agraph 7#a7 %all be 9 ! "n ( ea* ( ! cons5t+ cohabitat+ adults :o op5$ ! jo9t acc\nt4 7#c7 ,reque/s = in=mation ,) respect to a jo9t acc\nt op5$ pursuant to p>agraph 7#a71 ea* cov]$ company %all1 ^u reque/ by any ( ! cons5t+ cohabitat+ adults t op5$ ! jo9t acc\nt1 provide to su* cons5t+ cohabitat+ adults-- 7,a7 in=mation relat$ to ! jo9t acc\nt1 includ+-- 7i7 bills2 7ii7 copies ( pap] & electronic mail2 & 7iii7 any in=mation ab\t products or s]vices provid$2 & 7,b7 access to any onl9e portal = ! jo9t acc\nt4 7#d7 ,notification requir$ ,ea* cov]$ company %all provide a notice to ea* cohabitat+ adult t op5s a jo9t acc\nt ) ! cov]$ company t expla9s :at in=mation w be %>$ by ! cov]$ company ) ea* ( ! cons5t+ cohabitat+ adults4 7#e7 ,regulation ,p ,if a cov]$ company is requir$ by ,regulation ,p 7"p #ajaf ( title #ab1 ,code ( ,f$]al ,regulations7 to provide c]ta9 privacy notices su* cov]$ company %all provide su* privacy notices to ea* ( ! cons5t+ cohabitat+ adults :o op5$ ! jo9t acc\nt4 7#f7 ,civil actions ,any cohabitat+ adult :o is h>m$ by a failure ( a cov]$ company to meet a requirem5t ( ?is subsection may br+ a civil action 9 a ,f$]al or ,/ate c\rt aga9/ su* a cov]$ company = an aw>d ( n m ?an #a1jjj = ea* su* failure4 7b7 ,effective date ,! requirem5ts ( ?is section %all apply to cov]$ companies beg9n+ on ! date t is #ahj days aft] ! date ( ! enactm5t ( ?is section4 7c7 ,def9itions ,9 ?is section3 7#a7 ,cons5t+ cohabitat+ adults 7,a7 ,9 g5]al ,except z provid$ 9 subp>agraph 7,b71 ! t]m cons5t+ cohabitat+ adults means any adults :o cons5t to cohabitate4 7,b7 ,*ildc>e provid] ,) respect to a cov]$ company t is a *ildc>e provid] lic5s$ by a ,/ate1 ! t]m cons5t+ cohabitat+ adults means ! cu/odial p>5ts ( a *ild :o is or w be s]v$ by su* a cov]$ company4 7#b7 ,cov]$ company ,! t]m cov]$ company includes-- 7,a7 an electric utility 7z def9$ 9 section #c ( ! ,public ,utility ,regulatory ,policies ,act ( #aigh 7#af ,u4,s4,c4 #bfjb772 7,b7 a gas utility 7z def9$ 9 section #cjb ( ! ,public ,utility ,regulatory ,policies ,act ( #aigh 7#ae ,u4,s4,c4 #cbjb772 7,c7 a wat] utility2 7,d7 an own] or op]ator ( a sanit>y l&fill 7z def9$ 9 section #ajjd ( ! ,solid ,wa/e ,disposal ,act 7#db ,u4,s4,c4 #fijc772 7,e7 a provid] ( int]net access s]vice2 7,f7 a provid] ( telephone s]vice2 7,g7 any p]son :o r5ts a dwell+ t is cov]$ by ! ,fair ,h\s+ ,act 7#db ,u4,s4,c4 #cfja et seq472 7,h7 any *ildc>e provid] lic5s$ by a ,/ate2 7,i7 any p]son :o orig9ates a resid5tial mortgage loan2 7,j7 any p]son :o leases a resid5tial dwell+ unit2 7,k7 any p]son :o is a s]vic] ( a resid5tial mortgage loan2 7,l7 a multi*annel video programm+ di/ributor 7z def9$ 9 section #fjb ( ! ,communications ,act ( #aicd 7#dg ,u4,s4,c4 #ebb772 & 7,m7 any cr$itor :o (f]s an op5-end cr$it plan or a clos$-end cr$it plan4 7#c7 ,cr$itor ,! t]m cr$itor has ! mean+ giv5 ! t]m 9 section #ajc ( ! ,tru? 9 ,l5d+ ,act4 7#d7 ,op5-end cr$it plan ,! t]m op5-end cr$it plan has ! mean+ giv5 ! t]m 9 section #ajc ( ! ,tru? 9 ,l5d+ ,act4 7#e7 ,clos$-end cr$it plan ,! t]m clos$-end cr$it plan has ! mean+ giv5 ! t]m 9 section #ajc ( ! ,tru? 9 ,l5d+ ,act4 7#f7 ,resid5tial mortgage loan ,! t]m resid5tial mortgage loan has ! mean+ giv5 ! t]m 9 section #ajc7;d77d7 ( ! ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afjb7;d77d774 7#g7 ,s]vic] ,! t]m s]vic] has ! mean+ giv5 ! t]m 9 section #f7;i77#b7 ( ! ,real ,e/ate ,settlem5t ,proc$ures ,act ( #aigd 7#ab ,u4,s4,c4 #bfje7;i77#b774 7#h7 ,telephone s]vice ,! t]m telephone s]vice means any ( ! foll[+3 7,a7 ,voice s]vice 7z def9$ 9 section #bbg7;e77#h7 ( ! ,communications ,act ( #aicd 7#dg ,u4,s4,c4 #bbg7;e77#h7774 7,b7 ,comm]cial mobile s]vice 7z def9$ 9 section #ccb7;d7 ( ! ,communications ,act ( #aicd 7#dg ,u4,s4,c4 #ccb7;d7774 7,c7 ,comm]cial mobile data s]vice 7z def9$ 9 section #fjja ( ! ,middle ,class ,tax ,relief & ,job ,creation ,act ( #bjab 7#dg ,u4,s4,c4 #adja774 7#i7 ,wat] utility ,! t]m wat] utility means ! own] or op]ator (-- 7,a7 a public wat] sy/em 7z def9$ 9 section #adja ( ! ,safe ,dr9k+ ,wat] ,act 7#db ,u4,s4,c4 #cjj;f772 or 7,b7 a treatm5t works 7z def9$ 9 section #bab ( ! ,f$]al ,wat] ,pollution ,control ,act 7#cc ,u4,s4,c4 #abib774 #c4 ,prohibition on ! imposition ( fees = e>ly lease t]m9ation ,section #dadaa ( ! ,viol5ce ,aga9/ ,wom5 ,act ( #aiid 7#cd ,u4,s4,c4 #abdia7 is am5d$ by add+ at ! end ! foll[+3 7h7 ,prohibition on ! imposition ( fees = e>ly lease t]m9ation 7#a7 ,volunt>y exit ,an applicant = or t5ant ( h\s+ assi/$ "u a cov]$ h\s+ program may volunt>ily exit a lease = h\s+ e>li] ?an ! end date ( su* lease on ! basis t ! applicant or t5ant has be5 a victim ( dome/ic viol5ce1 dat+ viol5ce1 sexual assault1 or /alk+4 7#b7 ,fee prohibition ,not)/&+ any lease agreem5t1 an applicant or t5ant describ$ 9 p>agraph 7#a7 may n be *>g$ a fee = exit+ a lease = h\s+ e>li] ?an ! end date ( su* lease on ! basis describ$ 9 p>agraph 7#a74 4