,i  #aai? ,,congress  #a/ ,session  ,h4 
,r4 #eiec  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,novemb] #g1 #bjbe,ms4
 ,jacobs 7= h]self1 ,ms4 ,elfre?1 & ,mr4
 ,walk9%aw7 introduc$ ! foll[+ bill2 :i*
 0 ref]r$ to ! ,committee on ,f9ancial  
,s]vices  ,a ,,bill  ,to prohibit c>d   
issu]s & f9ancial in/itutions f impos+  
c]ta9 fees on cov]$ p]sons dur+ any     
p]iod dur+ :i* appropriations are n 9   
effect = ! op]ations ( "o or m ,f$]al   
ag5cies1 & = o!r purposes4  #a4 ,%ort   
title ,?is ,act may be cit$ z ! ,protect
 ,milit>y & ,f$]al ,employees f ,unfair 
,bank ,fees ,act4  #b4 ,fees  7a7 ,9    
g5]al ,a f9ancial in/itution may n      
impose any fee on any acc\nt held by a  
cov]$ p]son dur+ a cov]$ p]iod t relates
 to insuffici5t funds 9 su* consum]'s   
acc\nt to pay or reject a debit4  7b7   
,cr$it c>d fees ,a c>d issu] :o has     
issu$ a cr$it c>d to a cov]$ p]son may n
 impose any fee or *>ge on su* cov]$    
p]son = ! failure ( su* p]son to make a 
paym5t by ! due date ( su* paym5t if su*

 paym5t 0 due dur+ a cov]$ p]iod4  7c7  
,def9itions ,9 ?is section3 7#a7 ,acc\nt
 ,! t]m acc\nt has ! mean+ giv5 ! t]m 9 
section #c ( ! ,electronic ,fund        
,transf] ,act4  7#b7 ,c>d issu] ,! t]m  
c>d issu] has ! mean+ giv5 ! t]m 9      
section #ajc ( ! ,consum] ,cr$it        
,protection ,act4  7#c7 ,cr$it c>d ,!   
t]m cr$it c>d has ! mean+ giv5 ! t]m 9  
section #ajc ( ! ,consum] ,cr$it        
,protection ,act1 & includes any pur*ase
 c>d issu$ to a cov]$ p]son by ! ,f$]al 
,gov]nm5t = (ficial use4  7#d7 ,cov]$   
p]iod ,! t]m cov]$ p]iod means any p]iod
 dur+ :i* appropriations are n 9 effect 
= ! op]ations ( "o or m ,f$]al ag5cies4 
7#e7 ,cov]$ p]son ,! t]m cov]$ p]son    
means an individual employ$ 9 ! civil   
s]vice1 ! ,arm$ ,=ces1 or ! uni=m$      
s]vices1 z su* t]ms are def9$ 9 section 
#baja ( title #e1 ,unit$ ,/ates ,code1  
:o 0 furl\gh$ or except$ f furl\gh &    
work+ )\t pay dur+ a cov]$ p]iod4  7#f7 
,f9ancial in/itution ,! t]m f9ancial    
in/itution has ! mean+ giv5 ! t]m 9     

section #c ( ! ,electronic ,fund        
,transf] ,act4