,,ii  #aai? ,,congress  #b;d ,session   
,s4 #dbdd  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,m>* #bf1 #bjbf,mr4    
,durb9 introduc$ ! foll[+ bill2 :i* 0   
read twice & ref]r$ to ! ,committee on  
,comm]ce1 ,sci5ce1 & ,transportation  ,a
 ,,bill  ,to am5d *apt] #dbc ( title    
#di1 ,unit$ ,/ates ,code1 to provide    
protections ) respect to frequ5t fly]   
programs & co-br&$ cr$it c>ds1 & = o!r  
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,protect ,y\r ,po9ts ,act (
 #bjbf4  #b4 ,protections relat+ to     
frequ5t fly] programs & co-br&$ cr$it   
c>ds  7a7 ,9 g5]al ,*apt] #dbc ( title  
#di1 ,unit$ ,/ates ,code1 is am5d$ by   
add+ at ! end ! foll[+ new section3     
#dbcji4 ,protections relat+ to frequ5t  
fly] programs & co-br&$ cr$it c>ds  7a7 
,protections relat$ to po9ts1 miles1 &  
o!r accru$ value  7#a7 ,value disclosure
 ,n lat] ?an #ij days aft] ! date (     
enactm5t ( ?is section1 ea* cov]$ air   
c>ri] %all-- 7,a7 prom95tly display on  
ea* page ( ! website & mobile           

application ( ! air c>ri] in=mation     
reg>d+ ! f9ancial value ( "o po9t1 mile1
 or o!r accru$ value promis$ or (f]$ 9  
connection ) a frequ5t fly] program2    
7,b7 9 ! case t any su* f9ancial value  
diff]s betwe5 v>i\s co-br&$ cr$it c>ds1 
or ti]s or it]ations ( loyalty programs1
 display in=mation reg>d+ ea* diff]+    
f9ancial value 9 a c5tral location on ! 
website & mobile application ( ! air    
c>ri]2 &  7,c7 update1 9 real "t1 any   
*ange to ! in=mation display$ pursuant  
to subp>agraph 7,a7 or 7,b74  7#b7      
,expiration ( po9ts ,a cov]$ air c>ri]  
%all n place an expiration date on any  
po9ts1 miles1 or o!r accru$ value       
promis$ or (f]$ 9 connection ) a frequ5t
 fly] program4  7#c7 ,transf] ( po9ts   
7,a7 ,9 g5]al ,a cov]$ air c>ri] %all-- 
7i7 all[ a consum] p>ticipat+ 9 a       
frequ5t fly] program to transf] any     
am\nt ( po9ts1 miles1 or o!r accru$     
value ( ! consum] to ano!r p>ticipant   
7*os5 by ! consum]7 ( ! same frequ5t    
fly] program2 &  7ii7 gu>antee t1 )     

respect to any su* transf]1 ! po9ts1    
miles1 or o!r accru$ value rema9 equal 9
 value once transf]r$4  7,b7            
,limitations ,a cov]$ air c>ri] %all n--
 7i7 limit ! numb] ( po9ts1 miles1 or   
o!r accru$ value t a consum] may transf]
 to ano!r p>ticipant ( ! frequ5t fly]   
program1 except to protect a consum] f  
fraud or scams z prescrib$ by           
regulation2 or  7ii7 impose a fee or o!r
 p5alty on ! consum] 9 connection ) su* 
transf]4  7#d7 ,fees = po9ts ,a cov]$   
air c>ri] %all n impose a fee or o!r    
p5alty on ! consum] to access1 use1     
r$eem1 or r$eposit po9ts1 miles1 or o!r 
accru$ value4  7#e7 ,display ( airf>e   
value  7,a7 ,9 g5]al ,n lat] ?an #a ye> 
aft] ! date ( enactm5t ( ?is section1   
ea* cov]$ air c>ri] %all display on any 
travel book+ page ( ! website & mobile  
application ( ! air c>ri]-- 7i7 ! co/ ( 
airf>e or o!r ancill>y fees bo? 9 doll> 
value & 9 ! value ( po9ts1 miles1 or o!r
 accru$ value promis$ or (f]$ 9         
connection ) a frequ5t fly] program2 &  

7ii7 9 ! case t any co/ describ$ 9      
clause 7i7 diff]s betwe5 v>i\s co-br&$  
cr$it c>ds1 or ti]s or it]ations (      
loyalty programs1 in=mation reg>d+ ea*  
su* diff]+ co/4  7,b7 ,mann] ,an air    
c>ri] %all display ! in=mation requir$  
"u subp>agraph 7,a7 9 a mann] t-- 7i7   
displays all co/s describ$ 9 su*        
subp>agraph concurr5tly2 &  7ii7 does n 
require a consum] to alt]nate betwe5    
me?ods to display su* co/s4  7,c7       
,updates ,an air c>ri] %all update1 9   
real "t1 any *ange to ! in=mation       
requir$ to be display$ "u subp>agraph   
7,a74  7#f7 ,display ( r$emption rates  
,n lat] ?an #a ye> aft] ! date (        
enactm5t ( ?is section1 ea* cov]$ air   
c>ri] %all-- 7,a7 display on a page ( ! 
website & mobile application ( ! air    
c>ri] ! p]c5tage rate ( po9ts1 miles1 or
 o!r accru$ value t consum]s            
successfully us$ or r$eem$ 9 ! prec$+   
#ab mon?s2 &  7,b7 update su* p]c5tage  
rate on an annual basis4  7#g7 ,airf>e &
 ancill>y fee transactions ,n lat] ?an  

#a ye> aft] ! date ( enactm5t ( ?is     
section1 ea* cov]$ air c>ri] %all (f] to
 consum]s ! ability to pur*ase airf>e or
 o!r ancill>y fees 9 any comb9ation (   
doll>s & po9ts1 miles1 or o!r accru$    
value promis$ or (f]$ 9 connection ) a  
frequ5t fly] program4  7#h7 ,acc\nt     
security ,n lat] ?an #ij days aft] !    
date ( enactm5t ( ?is section1 ea* cov]$
 air c>ri] %all-- 7,a7 require          
multi-factor au!ntication = access to a 
frequ5t fly] program acc\nt2 &  7,b7    
implem5t o!r reasonable data security   
protections z ! ,secret>y may require4  
7b7 ,consum] notice ( *anges to t]ms (  
s]vice  7#a7 ,*anges to t]ms ( s]vices  
,) respect to ! t]ms ( s]vice1 contract 
( c>riage1 or o!r cu/om] agreem5t ( any 
frequ5t fly] program or airl9e co-br&$  
cr$it c>d ( a cov]$ air c>ri]1 ! cov]$  
air c>ri] %all n include any provision t
 res]ves ! "r ( ! cov]$ air c>ri] to    
make *anges to ! t]ms ( s]vice1 contract
 ( c>riage1 or o!r cu/om] agreem5t )\t  
provid+ to ! consum] at lea/ #a ye> (   

notice ( any su* *ange4  7#b7 ,notice to
 consum]s ,a cov]$ air c>ri] %all n take
 any action t w\ld all[ ! cov]$ air     
c>ri] to devalue a consum]'s accru$     
po9ts1 miles1 or o!r accru$ value       
promis$ or (f]$ 9 connection ) a frequ5t
 fly] program1 includ+ any action to    
decrease ! doll> value1 elim9ate1 r$uce1
 susp5d1 =feit1 invalidate1 impose new  
limits on ! access1 use1 r$emption1 or  
validity1 or impose new requirem5ts or  
exp5se = ! r$emption or use ( any su*   
po9ts1 miles1 or o!r accru$ value unless
 ! cov]$ air c>ri] has provid$ to       
consum]s n few] ?an #a ye> ( notice (   
any su* action4  7#c7 ,coord9ation )    
,,cfpb & ,,ftc ,9 c>ry+ out p>agraphs   
7#a7 & 7#b71 ! ,secret>y %all coord9ate 
) ! ,director ( ! ,consum] ,f9ancial    
,protection ,bureau & ! ,commission]s ( 
! ,f$]al ,trade ,commission1 z necess>y4
  7c7 ,def9itions ,9 ?is section3 7#a7  
,ancill>y fee ,! t]m ancill>y fee means 
any fee paid = s]vice t a consum] may   
add to a flight book+ = an additional   

co/1 or may pur*ase z an 9-flight       
s]vice1 includ+ seat+ options1 baggage1 
bev]ages1 food1 e>ly bo>d+1 l\nge       
access1 int]net or wifi access1 or any  
o!r s]vice det]m9$ appropriate by !     
,secret>y4  7#b7 ,co-br&$ cr$it c>d ,!  
t]m co-br&$ cr$it c>d means a cr$it c>d 
jo9tly (f]$ by a cov]$ air c>ri] 9      
p>tn]%ip ) a cr$it c>d issu]1 ) an      
emphasis on rew>d+ br& loyalty4  7#c7   
,cov]$ air c>ri] ,! t]m cov]$ air c>ri] 
means an air c>ri] 7includ+ any program 
p>tn] ( su* air c>ri] or a =eign airl9e 
p>tn]%ip t includes su* air c>ri]7      
conduct+ pass5g] op]ations "u "p #aba ( 
title #ad1 ,code ( ,f$]al ,regulations1 
t (f]s a frequ5t fly] program4  7#d7    
,frequ5t fly] program ,! t]m frequ5t    
fly] program means a program 9 :i* a    
cov]$ air c>ri] promises or (f]s po9ts1 
miles1 or o!r accru$ value = tickets    
pur*as$ f ! cov]$ air c>ri]4  7#e7      
,secret>y ,! t]m ,secret>y means !      
,secret>y ( ,transportation4  7d7       
,regulations ,! ,secret>y may issue su* 

regulations z may be necess>y to        
implem5t ?is section4  4  7b7 ,cl]ical  
am5dm5t ,! analysis = *apt] #dbc ( title
 #di1 ,unit$ ,/ates ,code1 is am5d$ by  
ins]t+ aft] ! item relat+ to section    
#dbcjh ! foll[+3  #dbcji4 ,protections  
relat+ to frequ5t fly] programs &       
co-br&$ cr$it c>ds4  4