,,ii  #aai? ,,congress  #b;d ,session   
,s4 #ejea  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,july #ba1 #bjbf,mr4   
,w>n] introduc$ ! foll[+ bill2 :i* 0    
read twice & ref]r$ to ! ,committee on  
,comm]ce1 ,sci5ce1 & ,transportation  ,a
 ,,bill  ,to promote competition & r$uce
 consum] swit*+ co/s 9 ! provision (    
onl9e s]vices1 & = o!r purposes4  #a4   
,%ort title ,?is ,act may be cit$ z !   
,artificial ,intellig5ce ,access1       
,gatekeep] ,ex*ange1 & ,nondiscrim9atory
 ,transf] ,act ( #bjbf or ! ,,ai ,,ag5t 
,act ( #bjbf4  #b4 ,def9itions ,9 ?is   
,act3 7#a7 ,artificial intellig5ce2     
artificial intellig5ce sy/em ,! t]ms    
artificial intellig5ce & artificial     
intellig5ce sy/em h ! mean+s giv5 ^?    
t]ms1 respectively1 9 section #ejjb ( ! 
,national ,artificial ,intellig5ce      
,initiative ,act ( #bjbj 7#ae ,u4,s4,c4 
#idja74  7#b7 ,commission ,! t]m        
,commission means ! ,f$]al ,trade       
,commission4  7#c7 ,cu/odial us] ag5t ,!
 t]m cu/odial us] ag5t means a          

s(tw>e-bas$ ag5t t is expressly au?oriz$
 by a us] to int]act ) a l>ge onl9e     
plat=m provid] on t us]'s behalf 9 a    
transp>5t1 docum5t$1 scope-limit$1 &    
revocable mann]4  7#d7 ,cu/odial us]    
ag5t provid] ,! t]m cu/odial us] ag5t   
provid]-- 7,a7 means any entity t       
op]ates or (f]s #a or m cu/odial us]    
ag5ts2 &  7,b7 includes a us] :o op]ates
 a cu/odial us] ag5t on ! us]'s own     
behalf & n on behalf ( any o!r us]4     
7#e7 ,electronic comm]ce ,! t]m         
electronic comm]ce has ! mean+ giv5 t   
t]m 9 section #bcja ( title #da1 ,unit$ 
,/ates ,code4  7#f7 ,int]op]ability     
int]face ,! t]m int]op]ability int]face 
means an electronic int]face ma9ta9$ by 
a l>ge onl9e plat=m = purposes ( a*iev+ 
int]op]ability4  7#g7 ,l>ge onl9e plat=m
 ,! t]m l>ge onl9e plat=m means a       
product1 application1 or s]vice provid$ 
by an onl9e plat=m t has m ?an          
#ej1jjj1jjj cu/om]s or subscrib]s 9 !   
,unit$ ,/ates 9 any cal5d> mon? dur+ !  
prec$+ #ab-mon? p]iod4  7#h7 ,l>ge onl9e

 plat=m provid] ,! t]m l>ge onl9e plat=m
 provid] means an onl9e provid] t       
provides1 manages1 or controls a l>ge   
onl9e plat=m4  7#i7 ,onl9e provid] ,!   
t]m onl9e provid] means a consum]-fac+  
communications1 retail1 or in=mation    
s]vices provid]1 includ+ a provid] (    
social m$ia1 electronic comm]ce1 p]sonal
 f9ance1 or artificial intellig5ce      
s]vices4  7#aj7 ,op5 protocol ,! t]m op5
 protocol means a publicly available    
te*nical /&>d t-- 7,a7 enables          
int]op]ability & data ex*ange betwe5    
l>ge onl9e plat=ms2  7,b7 is free f--   
7i7 lic5s+ fees2 &  7ii7 pat5t          
re/rictions2 &  7,c7 gov]ns h[ l>ge     
onl9e plat=ms communicate & ex*ange data
 ) ea* o!r4  7#aa7 ,social graph data ,!
 t]m social graph data means data t     
repres5ts a p]son's connections &       
int]actions )9 a social m$ia s]vice1    
includ+-- 7,a7 cont5t g5]at$ by ! p]son2
  7,b7 ! p]son's responses to ! cont5t (
 o!r us]s & entities1 includ+ comm5ts1  
reactions1 m5tions1 repo/s1 %>es1 & o!r 

engagem5ts 9 a mann] t excludes cont5t (
 ?ird-p>ty us]s2  7,c7 ! p]son's public 
pr(ile2  7,d7 metadata associat$ ) !    
cont5t & int]actions "u subp>agraphs    
7,a71 7,b71 & 7,c72 &  7,e7 relational  
ref]5ces suffici5t to ma9ta9 !          
associations among data elem5ts describ$
 9 subp>agraphs 7,a7 ?r\gh 7,d74  7#ab7 
,social m$ia s]vice ,! t]m social m$ia  
s]vice means a website1 onl9e or mobile 
application1 op]at+ sy/em1 digital      
assi/ant1 or onl9e s]vice t pr$om9antly 
provides a community =um = us]-g5]at$   
cont5t1 su* z %>+ videos1 images1 games1
 audio files1 or o!r cont5t4  7#ac7 ,us]
 data  7,a7 ,9 g5]al ,! t]m us] data    
means in=mation t is-- 7i7 collect$ or  
o!rwise process$1 directly or           
indirectly1 by an onl9e provid]2 &  7ii7
 l9k$1 or reasonably l9kable1 to a      
specific p]son4  7,b7 ,exclusion ,! t]m 
us] data does n include in=mation t is  
r5d]$ :olly unusable or unreadable4     
7,c7 ,social m$ia s]vices ,= l>ge onl9e 
plat=ms t are social m$ia s]vices1 ! t]m

 us] data includes social graph data4   
#c4 ,delegatability  7a7 ,individual's  
"r ( delegation ,ea* end us] ( a l>ge   
onl9e plat=m %all h ! "r to designate #a
 or m cu/odial us] ag5ts (f]$ by a      
cu/odial us] ag5t provid] act+ 9        
compliance ) subsection 7d71 z ! us]'s  
au?oriz$ repres5tative to manage ! us]'s
 onl9e int]actions1 electronic comm]ce  
decisions1 us]-g5]at$ cont5t1 & acc\nt  
sett+s on a l>ge onl9e plat=m on ! same 
t]ms z a us]1 z r5d]$ by t l>ge onl9e   
plat=m4  7b7 ,g5]al duty ( l>ge onl9e   
plat=m provid]s ,a l>ge onl9e plat=m    
provid] %all ma9ta9 a set ( transp>5t   
?ird-p>ty-accessible int]faces by :i* a 
us] may delegate a cu/odial us] ag5t to 
manage ! us]'s onl9e int]actions1       
electronic comm]ce decisions1 us]-g5]at$
 cont5t1 & acc\nt sett+s on a l>ge onl9e
 plat=m on ! same t]ms z a us]4  7c7    
,au!ntication ,n lat] ?an #ahj days aft]
 ! date ( enactm5t ( ?is ,act1 !        
,commission %all e/abli% rules &        
proc$ures to facilitate a cu/odial us]  

ag5t's ability to obta9 access pursuant 
to subsection 7a7 9 a way t ensures t-- 
7#a7 a reque/ = access on behalf ( a us]
 is a v]ifiable reque/2 &  7#b7 a us]   
has a transp>5t1 easily implem5table    
me?od to revoke a prior delegation1     
includ+ a me*anism to promptly          
communicate revocation reque/s to a l>ge
 onl9e plat=m provid]4  7d7 ,regi/ration
 ) ! ,commission  7#a7 ,9 g5]al ,a      
cu/odial us] ag5t provid] %all regi/] ) 
! ,commission z a condition (1 & prior  
to1 any cu/odial us] ag5t op]at$ or (f]$
 by t provid] access+ an int]face       
describ$ 9 subsection 7a74 ,!           
,commission may e/abli% uni=m t]ms &    
scope ( s]vice1 by :i* a cu/odial us]   
ag5t provid] may regi/] ?r\gh           
self-atte/ation4 ,n lat] ?an #ahj days  
aft] ! date ( submission ( a regi/ration
 "u ?is p>agraph1 ! ,commission1 or any 
recogniz$ c]tification body describ$ 9  
p>agraph 7#d71 %all evaluate !          
regi/ration4  7#b7 ,commission au?ority 
,! ,commission may e/abli% specializ$   

t]ms ( s]vice1 includ+ au?oriz$ scope ( 
delegat$ access1 appropriate = cu/odial 
us] ag5ts 9 specific comm]cial sett+s   
giv5 ! privacy1 f9ancial security1 &    
p]sonal safety implications ( su*       
access4  7#c7 ,emb$d$ ag5ts ,!          
,commission may e/abli% specializ$ t]ms 
( s]vice1 includ+ ensur+ functional     
equival5ce = compet+ cu/odial us] ag5ts1
 = any cu/odial us] ag5t provid$ by a   
l>ge onl9e plat=m provid] t x det]m9es  
to (f] a s]vice t is competitive ) !    
s]vice ( o!r cu/odial us] ag5ts4  7#d7  
,recogniz$ c]tification bodies  7,a7 ,9 
g5]al ,! ,commission may recognize #a or
 m indep5d5t c]tification bodies t-- 7i7
 ma9ta9 & publi% /&>ds ( conduct1       
gov]nance1 & te*nical practices =       
cu/odial us] ag5ts t meet or exce$ !    
duties e/abli%$ "u subsection 7g72 &    
7ii7 conduct p]iodic assessm5ts (       
con=mity ) ^? /&>ds describ$ 9 clause   
7i74  7,b7 ,effect ( c]tification       
,c]tification 9 good /&+ by a recogniz$ 
c]tification body %all con/itute a      

rebuttable presumption ( compliance )   
subsections 7g7 & %all be consid]$ by ! 
,commission 9 any relat$ proce$+4  7,c7 
,indep5d5ce ,! ,commission %all n       
recognize a c]tification body t is own$ 
or controll$ by1 or t d]ives a majority 
( its rev5ue f1 any s+le cu/odial us]   
ag5t provid] or l>ge onl9e plat=m       
provid]4  7e7 ,d]egi/ration by !        
,commission ,! ,commission %all e/abli% 
rules & proc$ures to d]egi/] a cu/odial 
us] ag5t provid] t ! ,commission        
det]m9es-- 7#a7 has violat$ ! duties    
e/abli%$ "u subsection 7g72 or  7#b7    
op]ates or (f]s a cu/odial us] ag5t t   
has violat$ ! duties e/abli%$ "u        
subsection 7g74  7f7 ,revocation (      
access rights ,a l>ge onl9e plat=m      
provid] may revoke or d5y access = any  
cu/odial us] ag5t-- 7#a7 ! cu/odial us] 
ag5t provid] ( :i* fails to regi/] ) !  
,commission2  7#b7 t repeat$ly          
facilitates fraudul5t or malici\s       
activity2 or  7#c7 = :i* a cu/om] has   
revok$ express writt5 cons5t1 pursuant  

to a me?od e/abli%$ "u subsection       
7c77#b74  7g7 ,duties ( a cu/odial us]  
ag5t  7#a7 ,9 g5]al ,a cu/odial us]     
ag5t-- 7,a7 %all reasonably safegu>d !  
privacy & security ( us] data provid$ to
 x by a us]1 or access$ on a us]'s      
behalf2  7,b7 %all n access or manage a 
us]'s onl9e int]actions1 electronic     
comm]ce decisions1 f9ancial acc\nts1    
cont5t1 or acc\nt sett+s 9 any way t--  
7i7 w b5efit ! cu/odial us] ag5t to !   
detrim5t ( ! us]2  7ii7 w result 9 any  
reasonably =eseeable h>m to ! us]2 or   
7iii7 is inconsi/5t ) ! directions or   
reasonable expectations ( ! us]2  7,c7  
%all n collect1 use1 or %>e any us] data
 provid$ to x by a us]1 or access$ on a 
us]'s behalf1 except z reasonably       
necess>y to provide ! s]vices ! us] has 
delegat$ to ! cu/odial us] ag5t1 & %all 
n use1 %>e1 or reta9 su* data =         
adv]tis+1 behavioral pr(il+1 sale1 or   
any o!r second>y comm]cial purpose2     
7,d7 %all act ) ! c>e1 skill1 & dilig5ce
 t an ord9>ily prud5t p]son w\ld        

reasonably be expect$ to ex]cise 9 a l  
position & "u simil> circum/ances2  7,e7
 %all ma9ta9 real-"t records ( actions  
tak5 on ! us]'s behalf & make su*       
records available to ! us] ^u reque/1 ) 
! exception ( any records t a us] has   
previ\sly direct$ a cu/odial us] ag5t to
 delete2 &  7,f7 %all n delegate1       
assign1 or o!rwise transf] any au?ority 
grant$ by a us] to any o!r entity1 ag5t1
 or artificial intellig5ce sy/em op]at$ 
by ano!r entity unless-- 7i7 su*        
delegation1 assignm5t1 or transf] is    
pursuant to ! express1 specific1 &      
revocable au?orization ( ! us]2 &  7ii7 
any su* p]mitt$ delegate1 assignee1 or  
transf]ree is subject to ! duties       
e/abli%$ "u ?is subsection to ! same    
ext5t z ! cu/odial us] ag5t4  7#b7      
,responsibility ( provid] ,a cu/odial   
us] ag5t provid] %all e/abli% & ma9ta9  
reasonable measures to ensure t ea*     
cu/odial us] ag5t x op]ates or (f]s     
complies ) ! duties "u ?is subsection1 &
 a patt]n or practice ( violations by   

any cu/odial us] ag5t ( a provid] %all  
be attributable to ! cu/odial us] ag5t  
provid] = purposes ( d]egi/ration "u    
subsection 7e7 & en=cem5t "u section #d4
  7#c7 ,non-waiv] ,! duties e/abli%$ "u 
?is subsection may n be waiv$1 limit$1  
or modifi$ by contract1 by t]ms (       
s]vice1 or by any =m ( us] cons5t1 & a  
us]'s reasonable expectations = purposes
 ( p>agraph 7#a77;,b77iii7 %all be      
det]m9$ )\t reg>d to any t]m ( s]vice   
inconsi/5t ) su* duties4  7h7           
,non-,discrim9ation  7#a7 ,9 g5]al ,a   
l>ge onl9e plat=m provid] %all          
facilitate & ma9ta9 an int]face         
accessible to cu/odial us] ag5ts bas$ on
 fair1 reasonable1 & nondiscrim9atory   
t]ms4  7#b7  ,reasonable ?re%olds1      
access /&>ds1 & fees  7,a7  ,9 g5]al  ,a
 l>ge onl9e plat=m provid] may e/abli%  
reasonable ?re%olds relat$ to !         
frequ5cy1 nature1 & volume ( reque/s by 
a cu/odial us] ag5t to access res\rces  
ma9ta9$ by ! l>ge onl9e plat=m provid]1 
beyond :i* ! l>ge onl9e plat=m provid]  

may assess a reasonable fee = su*       
access4  7,b7  ,usage expectations  ,a  
l>ge onl9e plat=m provid] may e/abli%   
fair1 reasonable1 & nondiscrim9atory    
usage expectations to gov]n access by   
cu/odial us] ag5ts1 includ+ fees or     
usage limitations = cu/odial us] ag5t   
provid]s t exce$ ^? usage expectations4 
7,c7  ,limitation on fees & usage       
expectations  7i7  ,9 g5]al  ,any fee1  
usage limitation1 or usage expectation  
e/abli%$ "u subp>agraph 7,a7 or 7,b7    
%all be reasonably proportional to !    
co/1 complexity1 & risk to ! l>ge onl9e 
plat=m provid] ( provid+ su* access4    
7ii7  ,review  ,a cu/odial us] ag5t     
provid] may petition ! ,commission to   
review ! reasonabl5ess ( any fee1 usage 
limitation1 or usage expectation        
e/abli%$ "u subp>agraph 7,a7 or 7,b74   
7,d7  ,notice  ,a l>ge onl9e plat=m     
provid] %all provide public notice ( any
 fees1 usage limitation1 or usage       
expectations e/abli%$ "u subp>agraph    
7,a7 or 7,b71 includ+ reasonable advance

 notice ( any *anges4  7,e7  ,security &
 privacy /&>ds  7i7  ,reasonable ,access
 ,/&>ds  7,i7  ,9 g5]al  ,a l>ge onl9e  
plat=m provid] %all1 consi/5t ) indu/ry 
be/ practices1 set privacy & security   
/&>ds = access by cu/odial us] ag5ts to 
! ext5t reasonably necess>y to address a
 ?reat to ! l>ge onl9e plat=m or us]    
data1 & %all report any suspect$        
violations ( ^? /&>ds to ! ,commission4 
7,,ii7  ,fil+ ) ,commission2 public     
accessibility  ,a l>ge onl9e plat=m     
provid] %all file ! privacy & security  
/&>ds develop$ "u subclause 7,i7 ) !    
,commission1 :i* ! ,commission %all make
 publicly available4  7ii7  ,report &   
,appeal ( ,d5i$ ,access  7,i7  ,report  
to ,commission ^u d5ial  ,a l>ge onl9e  
plat=m provid] t d5ies access to a      
cu/odial us] ag5t "u /&>ds set pursuant 
to clause 7i7 %all submit to !          
,commission1 9 su* =m ! ,commission     
requires1 a report describ+ ! basis = ! 
d5ial4  7,,ii7  ,notification ( d5ial   
,a l>ge onl9e plat=m provid] t d5ies    

access to a cu/odial us] ag5t "u /&>ds  
set pursuant to clause 7i7 %all provide 
! cu/odial us] ag5t provid] a notice    
conta9+ rationale = :y ! cu/odial us]   
ag5t fail$ to meet ! privacy & security 
/&>ds4  7,,iii7  ,p]iod to ,cure  ,a    
l>ge onl9e plat=m provid] t d5ies access
 to a cu/odial us] ag5t "u ! /&>ds set  
pursuant to clause 7i7 %all all[ !      
cu/odial us] ag5t provid] #ad cal5d>    
days to meet su* /&>ds1 dur+ :i* p]iod !
 l>ge onl9e plat=m provid] may d5y !    
cu/odial us] ag5t access until su* "t z 
! cu/odial us] ag5t provid] c demon/rate
 t ! cu/odial us] ag5t meets su* /&>ds4 
7,,iv7  ,appeal ( d5ial  ,a cu/odial us]
 ag5t provid] may appeal a d5ial "u ?is 
subp>agraph to ! ,commission & !        
,commission may grant access to !       
cu/odial us] ag5t if ! ,commission f9ds 
t ! d5ial by ! l>ge onl9e plat=m provid]
 0 arbitr>y1 caprici\s1 or n support$ by
 ! in=mation submitt$ by ! l>ge onl9e   
plat=m provid]4  7,v7  ,publicly        
available reports  ,ea* report submitt$ 

"u ?is section %all be publicly         
available ) p]sonally id5tifiable       
in=mation & bus9ess s5sitive data       
remov$4  7#c7  ,prohibit$ *anges to     
int]faces  ,a *ange to an int]face or   
t]ms ( use made ) ! purpose1 or         
sub/antial effect1 ( unreasonably d5y+  
access or und]m9+ access by au?oriz$    
cu/odial us] ag5ts %all be consid]$ a   
violation ( ! duty "u p>agraph 7#a7 to  
facilitate & ma9ta9 access bas$ on fair1
 reasonable1 & nondiscrim9atory t]ms4   
7#d7  ,functional equival5ce  ,a l>ge   
onl9e plat=m provid] t ma9ta9s          
int]op]ability betwe5 its own l>ge onl9e
 plat=m & o!r products1 s]vices1 or     
affiliat$ (f]+s ( su* provid] t         
con/itute a cu/odial us] s]vice %all (f]
 a functionally equival5t v]sion ( t    
int]face to compet+ cu/odial us] ag5ts4 
7#e7  ,int]face in=mation  7,a7  ,9     
g5]al  ,n lat] ?an #abj days aft] ! date
 ( enactm5t ( ?is ,act1 a l>ge onl9e    
plat=m provid] %all disclose to compet+ 
cu/odial us] ag5t provid]s complete &   

accurate docum5tation describ+ access to
 ! int]op]ability int]face requir$ "u   
?is section4  7,b7  ,cont5ts  ,!        
docum5tation requir$ "u subp>agraph     
7,a7-- 7i7 is limit$ to int]face        
docum5tation necess>y to a*ieve         
developm5t & op]ation ( int]op]able     
products & s]vices2 &  7ii7 does n      
require ! disclosure ( ! s\rce code ( a 
l>ge onl9e plat=m4  7#f7  ,notice (     
*anges  ,a l>ge onl9e plat=m provid]    
%all provide reasonable advance notice  
to any cu/odial us] ag5t provid]1 :i*   
may be provid$ ?r\gh public notice1 (   
any *ange to an int]face ma9ta9$ by !   
l>ge onl9e plat=m provid] t w affect !  
int]op]ability ( a cu/odial us] ag5t4   
7i7 ,fees ,a cu/odial us] ag5t provid]  
may *>ge us]s a fee = ! provision ( !   
products or s]vices describ$ 9          
subsection 7a74  7j7 ,ext5t ( access    
rights ,no?+ 9 ?is section %all be      
con/ru$ to conf] great] rights ( access 
= a cu/odial us] ag5t to a l>ge onl9e   
plat=m ?an are accessible to a us]4  #d4

 ,implem5tation & en=cem5t  7a7         
,regulations ,n lat] ?an #a ye> aft] !  
date ( enactm5t ( ?is ,act1 !           
,commission1 9 coord9ation ) ! ,consum] 
,f9ancial ,protection ,bureau1 ! ,f$]al 
,deposit ,insurance ,corporation1 & !   
,(fice ( ! ,comptroll] ( ! ,curr5cy1    
%all promulgate regulations to implem5t 
?is ,act4  7b7 ,au!ntication ,n lat] ?an
 #ahj days aft] ! date ( enactm5t ( ?is 
,act1 ! ,commission1 9 consultation )   
relevant indu/ry /akehold]s1 %all       
e/abli% rules & proc$ures to facilitate 
! v]ification ( ! validity ( reque/s f  
cu/odial us] ag5ts to obta9 us] data on 
behalf ( a us]4  7c7 ,te*nical /&>ds ,n 
lat] ?an #ahj days aft] ! date (        
enactm5t ( ?is ,act1 ! ,director ( !    
,national ,in/itute ( ,/&>ds &          
,te*nology %all id5tify op5 protocols1  
or develop & publi% model te*nical /&>ds
 if no su* protocols exi/1 by :i* to    
make popul> classes ( onl9e s]vices m   
accessible to cu/odial us] ag5ts1       
includ+-- 7#a7 onl9e messag+2  7#b7     

multim$ia %>+ & social m$ia s]vices2    
7#c7 electronic comm]ce2  7#d7 p]sonal  
f9ance2  7#e7 artificial intellig5ce2 & 
7#f7 v]ifiable delegation1 includ+--    
7,a7 op5 protocols & /&>ds =            
scope-limit$ & revocable delegation     
cr$5tials2  7,b7 v]ification ( cu/odial 
us] ag5t id5tity & regi/ration /atus2   
7,c7 real-"t communication &            
effectuation ( revocation2 &  7,d7 !    
creation ( auditable records ( actions  
tak5 by cu/odial us] ag5ts on behalf (  
us]s4  7d7 ,compliance assessm5t ,!     
,commission %all regul>ly assess        
compliance by l>ge onl9e plat=m provid]s
 & cu/odial us] ag5ts ) ! provisions (  
?is ,act4  7e7 ,compla9ts ,! ,commission
 %all e/abli% proc$ures "u :i* a us]1 a 
l>ge onl9e plat=m provid]1 or a cu/odial
 us] ag5t may file a compla9t alleg+ t a
 l>ge onl9e plat=m provid] or a cu/odial
 us] ag5t has violat$ ?is ,act4  7f7    
,en=cem5t  7#a7 ,unfair or deceptive    
acts or practices ,a violation ( ?is    
,act1 or regulations enact$ pursuant to 

?is ,act1 %all be treat$ z a violation (
 a rule def9+ an unfair or deceptive act
 or practice prescrib$ "u section       
#ah7;a77#a77;,b7 ( ! ,f$]al ,trade      
,commission ,act 7#ae ,u4,s4,c4         
#eg;a7a77#a77;,b774  7#b7 ,p[]s (       
commission  7,a7 ,9 g5]al ,except z     
provid$ 9 subp>agraph 7,c71 !           
,commission %all en=ce ?is ,act 9 ! same
 mann]1 by ! same means1 & ) ! same     
jurisdiction1 p[]s1 & duties z ?\gh all 
applicable t]ms & provisions ( ! ,f$]al 
,trade ,commission ,act 7#ae ,u4,s4,c4  
#da et seq47 7 incorporat$ into & made a
 "p ( ?is ,act4  7,b7 ,privileges &     
immunities ,except z provid$ 9          
subp>agraph 7,c71 any p]son :o violates 
section #c %all be subject to ! p5alties
 & entitl$ to ! privileges & immunities 
provid$ 9 ! ,f$]al ,trade ,commission   
,act 7#ae ,u4,s4,c4 #da et seq474  7,c7 
,nonpr(it organizations & common c>ri]s 
,not)/&+ section #d or #e7;a77#b7 ( !   
,f$]al ,trade ,commission ,act 7#ae     
,u4,s4,c4 #dd1 #de7;a77#b77 or any      

jurisdictional limitation ( !           
,commission1 ! ,commission %all also    
en=ce ?is ,act1 9 ! same mann] provid$ 9
 subp>agraphs 7,a7 & 7,b7 ( ?is         
p>agraph1 ) respect to common c>ri]s    
subject to ! ,communications ,act (     
#aicd 7#dg ,u4,s4,c4 #aea et seq474     
7,d7 ,f9es ,9 assess+ any f9e = a       
violation ( ?is ,act1 ! ,commission %all
 consid] ea* individual us] affect$ by a
 violation ( ?is ,act z an individual   
violation4  7g7 ,int]ag5cy coord9ation  
,n lat] ?an #ahj days aft] ! date (     
enactm5t ( ?is ,act1 ! ,commission %all 
e/abli% an int]ag5cy work+ gr\p1 consi/+
 ( ! ,commission1 ! ,director ( !       
,consum] ,f9ancial ,protection ,bureau1 
! ,f$]al ,deposit ,insurance            
,corporation1 ! ,comptroll] ( !         
,curr5cy1 ! ,secret>y ( ! ,treasury1 !  
,secret>y ( ,homel& ,security1 !        
,secret>y ( ,comm]ce1 ! ,attorney       
,g5]al1 & ! ,*airman ( ! ,securities &  
,ex*ange ,commission1 = ! purpose (     
develop+ proposals to prev5t h>ms to    

bus9esses & ! ,gov]nm5t result+ f       
cu/odial us] ag5ts und]tak+ actions on  
behalf ( a pr9cipal z a result ( fraud1 
misuse1 or g5u9e mi/ake4  7h7           
,preemption ,! provisions ( ?is ,act    
%all preempt any ,/ate law only to !    
ext5t t su* ,/ate law is inconsi/5t ) ! 
provisions ( ?is ,act4  7i7 ,effective  
date ,?is ,act %all take effect on !    
e>li] (-- 7#a7 date on :i* ! ,commission
 promulgates regulations "u subsection  
7a72 or  7#b7 #a ye> aft] ! date (      
enactm5t ( ?is ,act4  #e4 ,relation to  
o!r laws  7a7 ,privacy & security laws  
,no?+ 9 ?is ,act %all be con/ru$ to     
modify1 limit1 or sup]s$e ! op]ation (  
any privacy or security provision 9--   
7#a7 section #eeb;a ( title #e1 ,unit$  
,/ates ,code 7commonly kn[n z ! ,privacy
 ,act ( #aigd72  7#b7 ! ,"r to ,f9ancial
 ,privacy ,act ( #aigh 7#ab ,u4,s4,c4   
#cdja et seq472  7#c7 ! ,fair ,cr$it    
,report+ ,act 7#ae ,u4,s4,c4 #afha et   
seq472  7#d7 ! ,fair ,debt ,collection  
,practices ,act 7#ae ,u4,s4,c4 #afib et 

seq472  7#e7 ! ,*ildr5's ,onl9e ,privacy
 ,protection ,act ( #aiih 7#ae ,u4,s4,c4
 #feja et seq472  7#f7 title ,v ( !     
,gramm-,lea*-,bliley ,act 7#ae ,u4,s4,c4
 #fhja et seq472  7#g7 *apt]s #aai1     
#abc1 & #bjf ( title #ah1 ,unit$ ,/ates 
,code2  7#h7 section #ddd ( ! ,g5]al    
,education ,provisions ,act 7#bj        
,u4,s4,c4 #abcb;g7 7commonly ref]r$ to z
 ! ,family ,educational ,rights &       
,privacy ,act ( #aigd72  7#i7 section   
#dde ( ! ,g5]al ,education ,provisions  
,act 7#bj ,u4,s4,c4 #abcb;h72  7#aj7 !  
,privacy ,protection ,act ( #aihj 7#db  
,u4,s4,c4 #bjjj;aa et seq472  7#aa7 !   
regulations promulgat$ "u section       
#bfd7;c7 ( ! ,heal? ,insurance          
,portability & ,acc\ntability ,act (    
#aiif 7#db ,u4,s4,c4 #acbj;d-#b note71 z
 ^? regulations relate to-- 7,a7 a p]son
 describ$ 9 section #aagb7;a7 ( !       
,social ,security ,act 7#db ,u4,s4,c4   
#acbj;d-#a7;a772 or  7,b7 transactions  
ref]r$ to 9 section #aagc7;a77#a7 ( !   
,social ,security ,act 7#db ,u4,s4,c4   

#acbj;d-#b7;a77#a772  7#ab7 !           
,communications ,assi/ance = ,law       
,en=cem5t ,act 7#dg ,u4,s4,c4 #ajja et  
seq472  7#ac7 sections #bbb & #bbg ( !  
,communications ,act ( #aicd 7#dg       
,u4,s4,c4 #bbb1 #bbg72 or  7#ad7 any o!r
 privacy or security provision ( ,f$]al 
law4  7b7 ,antitru/ laws  7#a7 ,9 g5]al 
,no?+ 9 ?is ,act %all be con/ru$ to     
modify1 impair1 or sup]s$e ! op]ation ( 
any ( ! antitru/ laws4  7#b7 ,antitru/  
laws def9$ ,! t]m antitru/ laws-- 7,a7  
has ! mean+ giv5 t t]m 9 subsection 7a7 
( ! fir/ section ( ! ,clayton ,act 7#ae 
,u4,s4,c4 #ab7;a772 &  7,b7 includes    
section #e ( ! ,f$]al ,trade ,commission
 ,act 7#ae ,u4,s4,c4 #de7 to ! ext5t t  
section applies to unfair me?ods (      
competition4