,,ii  #aaith ,,congress  #b;d ,session  
,s4 #dbdd  ,,in ,,the ,,senate ,,of     
,,the ,,united ,,states  ,march #bf1    
#bjbf,mr4 ,durbin introduced the        
following bill2 which was read twice and
 referred to the ,committee on          
,commerce1 ,science1 and ,transportation
  ,a ,,bill  ,to amend chapter #dbc of  
title #di1 ,united ,states ,code1 to    
provide protections with respect to     
frequent flyer programs and co-branded  
credit cards1 and for other purposes4   
#a4 ,short title ,this ,act may be cited
 as the ,protect ,your ,points ,act of  
#bjbf4  #b4 ,protections relating to    
frequent flyer programs and co-branded  
credit cards  7a7 ,in general ,chapter  
#dbc of title #di1 ,united ,states      
,code1 is amended by adding at the end  
the following new section3  #dbcji4     
,protections relating to frequent flyer 
programs and co-branded credit cards    
7a7 ,protections related to points1     
miles1 and other accrued value  7#a7    
,value disclosure ,not later than #ij   

days after the date of enactment of this
 section1 each covered air carrier      
shall-- 7,a7 prominently display on each
 page of the website and mobile         
application of the air carrier          
information regarding the financial     
value of one point1 mile1 or other      
accrued value promised or offered in    
connection with a frequent flyer        
program2  7,b7 in the case that any such
 financial value differs between various
 co-branded credit cards1 or tiers or   
iterations of loyalty programs1 display 
information regarding each differing    
financial value in a central location on
 the website and mobile application of  
the air carrier2 and  7,c7 update1 in   
real time1 any change to the information
 displayed pursuant to subparagraph 7,a7
 or 7,b74  7#b7 ,expiration of points ,a
 covered air carrier shall not place an 
expiration date on any points1 miles1 or
 other accrued value promised or offered
 in connection with a frequent flyer    
program4  7#c7 ,transfer of points  7,a7

 ,in general ,a covered air carrier     
shall-- 7i7 allow a consumer            
participating in a frequent flyer       
program to transfer any amount of       
points1 miles1 or other accrued value of
 the consumer to another participant    
7chosen by the consumer7 of the same    
frequent flyer program2 and  7ii7       
guarantee that1 with respect to any such
 transfer1 the points1 miles1 or other  
accrued value remain equal in value once
 transferred4  7,b7 ,limitations ,a     
covered air carrier shall not-- 7i7     
limit the number of points1 miles1 or   
other accrued value that a consumer may 
transfer to another participant of the  
frequent flyer program1 except to       
protect a consumer from fraud or scams  
as prescribed by regulation2 or  7ii7   
impose a fee or other penalty on the    
consumer in connection with such        
transfer4  7#d7 ,fees for points ,a     
covered air carrier shall not impose a  
fee or other penalty on the consumer to 
access1 use1 redeem1 or redeposit       

points1 miles1 or other accrued value4  
7#e7 ,display of airfare value  7,a7 ,in
 general ,not later than #a year after  
the date of enactment of this section1  
each covered air carrier shall display  
on any travel booking page of the       
website and mobile application of the   
air carrier-- 7i7 the cost of airfare or
 other ancillary fees both in dollar    
value and in the value of points1 miles1
 or other accrued value promised or     
offered in connection with a frequent   
flyer program2 and  7ii7 in the case    
that any cost described in clause 7i7   
differs between various co-branded      
credit cards1 or tiers or iterations of 
loyalty programs1 information regarding 
each such differing cost4  7,b7 ,manner 
,an air carrier shall display the       
information required under subparagraph 
7,a7 in a manner that-- 7i7 displays all
 costs described in such subparagraph   
concurrently2 and  7ii7 does not require
 a consumer to alternate between methods
 to display such costs4  7,c7 ,updates  

,an air carrier shall update1 in real   
time1 any change to the information     
required to be displayed under          
subparagraph 7,a74  7#f7 ,display of    
redemption rates ,not later than #a year
 after the date of enactment of this    
section1 each covered air carrier       
shall-- 7,a7 display on a page of the   
website and mobile application of the   
air carrier the percentage rate of      
points1 miles1 or other accrued value   
that consumers successfully used or     
redeemed in the preceding #ab months2   
and  7,b7 update such percentage rate on
 an annual basis4  7#g7 ,airfare and    
ancillary fee transactions ,not later   
than #a year after the date of enactment
 of this section1 each covered air      
carrier shall offer to consumers the    
ability to purchase airfare or other    
ancillary fees in any combination of    
dollars and points1 miles1 or other     
accrued value promised or offered in    
connection with a frequent flyer        
program4  7#h7 ,account security ,not   

later than #ij days after the date of   
enactment of this section1 each covered 
air carrier shall-- 7,a7 require        
multi-factor authentication for access  
to a frequent flyer program account2 and
  7,b7 implement other reasonable data  
security protections as the ,secretary  
may require4  7b7 ,consumer notice of   
changes to terms of service  7#a7       
,changes to terms of services ,with     
respect to the terms of service1        
contract of carriage1 or other customer 
agreement of any frequent flyer program 
or airline co-branded credit card of a  
covered air carrier1 the covered air    
carrier shall not include any provision 
that reserves the right of the covered  
air carrier to make changes to the terms
 of service1 contract of carriage1 or   
other customer agreement without        
providing to the consumer at least #a   
year of notice of any such change4  7#b7
 ,notice to consumers ,a covered air    
carrier shall not take any action that  
would allow the covered air carrier to  

devalue a consumer's accrued points1    
miles1 or other accrued value promised  
or offered in connection with a frequent
 flyer program1 including any action to 
decrease the dollar value1 eliminate1   
reduce1 suspend1 forfeit1 invalidate1   
impose new limits on the access1 use1   
redemption1 or validity1 or impose new  
requirements or expense for the         
redemption or use of any such points1   
miles1 or other accrued value unless the
 covered air carrier has provided to    
consumers not fewer than #a year of     
notice of any such action4  7#c7        
,coordination with ,,cfpb and ,,ftc ,in 
carrying out paragraphs 7#a7 and 7#b71  
the ,secretary shall coordinate with the
 ,director of the ,consumer ,financial  
,protection ,bureau and the             
,commissioners of the ,federal ,trade   
,commission1 as necessary4  7c7         
,definitions ,in this section3 7#a7     
,ancillary fee ,the term ancillary fee  
means any fee paid for service that a   
consumer may add to a flight booking for

 an additional cost1 or may purchase as 
an in-flight service1 including seating 
options1 baggage1 beverages1 food1 early
 boarding1 lounge access1 internet or   
wifi access1 or any other service       
determined appropriate by the           
,secretary4  7#b7 ,co-branded credit    
card ,the term co-branded credit card   
means a credit card jointly offered by a
 covered air carrier in partnership with
 a credit card issuer1 with an emphasis 
on rewarding brand loyalty4  7#c7       
,covered air carrier ,the term covered  
air carrier means an air carrier        
7including any program partner of such  
air carrier or a foreign airline        
partnership that includes such air      
carrier7 conducting passenger operations
 under part #aba of title #ad1 ,code of 
,federal ,regulations1 that offers a    
frequent flyer program4  7#d7 ,frequent 
flyer program ,the term frequent flyer  
program means a program in which a      
covered air carrier promises or offers  
points1 miles1 or other accrued value   

for tickets purchased from the covered  
air carrier4  7#e7 ,secretary ,the term 
,secretary means the ,secretary of      
,transportation4  7d7 ,regulations ,the 
,secretary may issue such regulations as
 may be necessary to implement this     
section4  4  7b7 ,clerical amendment    
,the analysis for chapter #dbc of title 
#di1 ,united ,states ,code1 is amended  
by inserting after the item relating to 
section #dbcjh the following3  #dbcji4  
,protections relating to frequent flyer 
programs and co-branded credit cards4  4