,i  #aai? ,,congress  #b;d ,session  ,h4
 ,r4 #gehh  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,febru>y #ag1         
#bjbf,mr4 ,b>r introduc$ ! foll[+ bill2 
:i* 0 ref]r$ to ! ,committee on         
,f9ancial ,s]vices  ,a ,,bill  ,to am5d 
! ,consum] ,f9ancial ,protection ,act ( 
#bjaj to require ! atte/ation ( c]ta9   
in=mation z "p ( ! consum] compla9t     
submission process1 & = o!r purposes4   
#a4 ,%ort title ,?is ,act may be cit$ z 
! ,elim9at+ ,fraud 9 ! ,,cfpb's         
,compla9t ,database ,act4  #b4 ,collect+
 & track+ compla9ts ,section            
#ajac7;b77#c7 ( ! ,consum] ,f9ancial    
,protection ,act ( #bjaj 7#ab ,u4,s4,c4 
#edic7;b77#c77 is am5d$ by add+ at ! end
 ! foll[+3  7,e7 ,consum] ,atte/ation   
7i7 ,9 g5]al ,! ,director %all require1 
us+ su* v]ification me*anisms z !       
,director det]m9es appropriate1 ea*     
p]son :o submits a compla9t to ! unit   
e/abli%$ "u ?is p>agraph to atte/1 "u   
p5alty ( p]jury1 t-- 7,i7 ! in=mation & 
docum5tation provid$ 9 ! compla9t is    

true & accurate to ! be/ ( ! consum]'s  
k2  7,,ii7 ! compla9t is be+ submitt$   
directly by-- 7aa7 ! consum]2 or  7bb7 a
 repres5tative au?oriz$ to act on !     
behalf ( ! consum] :o provides suffici5t
 pro( ( id5tification & a writt5 docum5t
 sign$ by ! consum] t p]mits ! ?ird p>ty
 to act on ! behalf ( ! consum]         
specifically z x relates to submitt+ a  
compla9t to ! ,bureau2 &  7,,iii7 !     
consum] directly in=m$ ! cov]$ p]son :o 
is requir$ to respond to compla9ts "u   
subsection 7b7 & 7c7 ( section #ajcd to 
:i* ! compla9t relates ( ! issue ab\t   
:i* ! consum] is submitt+ ! compla9t n  
less ?an #fj days be=e submitt+ !       
compla9t to ! ,bureau4  7ii7            
,notification requirem5t ,if ! ,director
 f9ds1 :5 c>ry+ out clause 7i71 t a     
compla9t submitt$ 9 ! "n ( a consum] 0 n
 submitt$ by su* consum] or by a        
repres5tative au?oriz$ to act on !      
behalf ( su* consum]1 ! ,director %all  
to ! degree practicable-- 7,i7 in=m !   
consum] 9 ^: "n ! compla9t 0 fil$ t su* 

compla9t 0 submitt$ 9 _! "n1 )\t _!     
au?orization2 &  7,,ii7 provide to !    
cov]$ p]son :o is requir$ to respond to 
compla9ts "u subsection 7b7 & 7c7 (     
section #ajcd to :om ! compla9t relates 
! "n ( ! p]son :o submitt$ ! compla9t   
)\t ! au?orization ( ! consum]4  7iii7  
,suffici5t pro( ( id5tification def9$ ,!
 t]m suffici5t pro( ( id5tification     
means in=mation or docum5tation t       
id5tifies a protect$ consum] & a        
protect$ consum]'s repres5tative &      
includes--  7,i7 a social security numb]
 or a copy ( a social security c>d issu$
 by ! ,social ,security ,adm9i/ration2  
7,,ii7 a c]tifi$ or (ficial copy ( a    
bir? c]tificate issu$ by ! entity       
au?oriz$ to issue ! bir? c]tificate2 or 
7,,iii7 a copy ( a driv]'s lic5se1 an   
id5tification c>d issu$ by ! motor      
vehicle adm9i/ration1 or any o!r        
gov]nm5t issu$ id5tification4  7,f7     
,closure ( duplicative1 frivol\s or     
unau?oriz$ compla9ts --  7i7 ,9 g5]al ,a
 cov]$ p]son :o is requir$ to respond to

 compla9ts "u subsection 7b7 & 7c7 (    
section #ajcd t receives a consum]      
compla9t f ! unit e/abli%$ "u ?is       
p>agraph may1 ^u reasonable det]m9ation1
 close su* compla9t )\t fur!r action    
if-- 7,i7 ! compla9t1 z det]m9$ by su*  
cov]$ p]son--  7aa7 is duplicative ( a  
previ\sly submitt$ & resolv$ compla9t   
submitt$ by ! same consum] relat+ to !  
same issue2  7bb7 is frivol\s or lack+ a
 basis 9 fact2  7cc7 0 n submitt$ by !  
consum] or an individual au?oriz$ to act
 on ! behalf ( ! consum]2 or  7dd7 0    
submitt$ = a fraudul5t or mislead+      
purpose2  7,,ii7 su* cov]$ p]son 0 n    
directly in=m$ by ! consum] ( ! issue   
ab\t :i* ! consum] submitt$ ! compla9t n
 less ?an #fj days be=e ! consum]       
submitt$ ! compla9t2 or  7,,iii7 su*    
cov]$ p]son 0 directly in=m$ by !       
consum] ( ! issue ab\t :i* ! consum]    
submitt$ ! compla9t & su* cov]$ p]son   
respond$ to su* consum] 9 a mann] t     
rem$i$ ! issue rais$ by ! consum]2 or   
7ii7 ,record+ ,if a cov]$ p]son :o is   

requir$ to respond to compla9ts "u      
subsection 7b7 & 7c7 ( section #ajcd    
closes a compla9t "u clause 7i71 su*    
cov]$ p]son %all notify ! unit e/abli%$ 
"u ?is p>agraph ( su* closure & ! reason
 = su* closure & su* unit %all record   
su* in=mation 9 ! database e/abli%$ "u  
?is p>agraph4  7,g7 ,confid5tiality  7i7
 ,9 g5]al ,not)/&+ any o!r provision (  
law1 ! ,bureau %all ensure t n>rative   
cont5t includ$ 9 compla9ts submitt$ by  
consum]s to ! unit e/abli%$ "u ?is      
p>agraph & n>rative cont5t includ$ 9    
responses f cov]$ p]sons :o are requir$ 
to respond to compla9ts "u subsection   
7b7 & 7c7 ( section #ajcd :o receive    
compla9ts f ! unit e/abli%$ "u ?is      
p>agraph rema9 confid5tial & are n      
publi%$ or made publicly viewable4  7ii7
 ,aggregation ( data ,! ,bureau may     
publi% aggregat$ data ab\t compla9ts    
receiv$ f consum]s & analyses ( tr5ds 9 
su* compla9ts if su* data & analyses d n
 include p]sonally id5tifiable in=mation
 or specific n>rative cont5t t c\ld     

reasonably be l9k$ to an individual     
consum] or cov]$ p]son :o is requir$ to 
respond to compla9ts "u subsection 7b7 &
 7c7 ( section #ajcd4  4