,,ii  #aai? ,,congress  #a/ ,session    
,s4 #hda  ,,9 ,,! ,,s5ate ,,( ,,!       
,,unit$ ,,/ates  ,m>* #d1 #bjbe,mrs4    
,blackburn 7= h]self & ,mr4 ,hick5loop]7
 introduc$ ! foll[+ bill2 :i* 0 read    
twice & ref]r$ to ! ,committee on       
,comm]ce1 ,sci5ce1 & ,transportation  ,a
 ,,bill  ,to require onl9e dat+ s]vice  
provid]s to provide fraud ban           
notifications to onl9e dat+ s]vice      
memb]s1 & = o!r purposes4  #a4 ,%ort    
title ,?is ,act may be cit$ z ! ,romance
 ,scam ,prev5tion ,act4  #b4 ,onl9e dat+
 safety  7a7 ,fraud ban notification    
7#a7 ,9 g5]al ,an onl9e dat+ s]vice     
provid] %all provide to a memb] ( !     
onl9e dat+ s]vice a fraud ban           
notification if ! memb] has receiv$ a   
message ?r\gh ! onl9e dat+ s]vice f a   
bann$ memb] ( ! onl9e dat+ s]vice4  7#b7
 ,requir$ cont5ts ,a fraud ban          
notification "u p>agraph 7#a7 %all      
include ! foll[+3 7,a7 ,! us]name or o!r
 pr(ile id5tifi] ( ! bann$ memb]1 z well
 z ! mo/ rec5t "t :5 ! memb] to :om !   

notification is be+ provid$ s5t or      
receiv$ a message ?r\gh ! onl9e dat+    
s]vice to or f ! bann$ memb]4  7,b7 ,a  
/atem5t1 z applicable1 t ! bann$ memb]  
id5tifi$ 9 subp>agraph 7,a7 may h be5   
us+ a false id5tity or attempt+ to      
defraud memb]s4  7,c7 ,a /atem5t t a    
memb] %\ld n s5d ca% or ano!r =m (      
curr5cy or p]sonal f9ancial in=mation to
 ano!r memb]4  7,d7 ,in=mation reg>d+   
be/ practices to avoid onl9e fraud or   
be+ defraud$ by a memb] ( an onl9e dat+ 
s]vice1 :i* may be provid$ ?r\gh a l9k  
to ano!r web page or disclosure4  7,e7  
,contact in=mation to rea* ! cu/om]     
s]vice dep>tm5t ( ! onl9e dat+ s]vice   
provid]4  7#c7 ,mann] & tim+  7,a7      
,mann] ,a fraud ban notification "u     
p>agraph 7#a7 %all be-- 7i7 cle> &      
conspicu\s2 &  7ii7 provid$ by email1   
text message1 or1 if cons5t$ to by !    
memb] receiv+ ! fraud ban notification1 
o!r appropriate means ( communication4  
7,b7 ,tim+  7i7 ,9 g5]al ,except z      
provid$ 9 clauses 7ii7 & 7iii71 an onl9e

 dat+ s]vice provid] %all provide a     
fraud ban notification "u p>agraph 7#a7 
n lat] ?an #bd h\rs aft] ! fraud ban is 
initiat$ aga9/ ! bann$ memb]4  7ii7     
,delay bas$ on judgm5t ( provid] ,if1 9 
! judgm5t ( ! onl9e dat+ s]vice provid]1
 ! circum/ances require a fraud ban     
notification "u p>agraph 7#a7 to be     
provid$ aft] ! #bd-;h\r p]iod describ$ 9
 clause 7i71 ! onl9e dat+ s]vice provid]
 %all1 except z provid$ 9 clause 7iii71 
provide ! notification n lat] ?an #c    
days aft] ! day on :i* ! fraud ban is   
initiat$ aga9/ ! bann$ memb]4  7iii7    
,delay ^u reque/ ( law en=cem5t (ficial 
,if1 due to an ongo+ inve/igation1 a law
 en=cem5t (ficial reque/s an onl9e dat+ 
s]vice provid] to delay provid+ a fraud 
ban notification "u p>agraph 7#a7 beyond
 ! "t :5 ! notification is requir$ to be
 provid$ "u clause 7i7 or 7ii71 ! onl9e 
dat+ s]vice provid]-- 7,i7 may n provide
 ! notification be=e ! end ( ! p]iod (  
delay 7includ+ any ext5sion ( su* p]iod7
 reque/$ by ! law en=cem5t (ficial2 &   

7,,ii7 %all provide ! notification n    
lat] ?an #c days aft] ! la/ day ( !     
p]iod ( delay 7includ+ any ext5sion (   
su* p]iod7 reque/$ by ! law en=cem5t    
(ficial4  7#d7 ,limitation ( liability  
,an onl9e dat+ s]vice provid] is n      
liable to a p]son 9 a civil action bas$ 
on any ( ! foll[+3 7,a7 ,! mann] (      
communication us$ "u p>agraph 7#c77;,a7 
to provide a fraud ban notification to a
 memb] "u p>agraph 7#a74  7,b7 ,! tim+ (
 a fraud ban notification "u p>agraph   
7#c77;,b7 provid$ to a memb] "u p>agraph
 7#a74  7,c7 ,! disclosure ( in=mation 9
 a fraud ban notification provid$ "u    
p>agraph 7#a74  7b7 ,en=cem5t  7#a7     
,en=cem5t by ! ,commission  7,a7 ,unfair
 or deceptive acts or practices ,a      
violation ( ?is section or a regulation 
promulgat$ "u ?is section %all be treat$
 z a violation ( a rule def9+ an unfair 
or deceptive act or practice "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  7i7 ,9 g5]al ,! ,commission 
%all en=ce ?is section 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 section1  7ii7 ,privileges &  
immunities ,any p]son :o violates ?is   
section %all be subject to ! p5alties & 
entitl$ to ! privileges & immunities    
provid$ 9 ! ,f$]al ,trade ,commission   
,act4  7iii7 ,au?ority pres]v$ ,no?+ 9  
?is section may be con/ru$ to limit !   
au?ority ( ! ,commission "u any o!r     
provision ( law4  7#b7 ,en=cem5t by     
,/ates  7,a7 ,9 g5]al ,subject to       
subp>agraph 7,b71 9 any case 9 :i* !    
attorney g5]al ( a ,/ate has reason to  
believe t an int]e/ ( ! resid5ts ( !    
,/ate has be5 or is ?reat5$ or adv]sely 
affect$ by ! engagem5t ( any p]son 9 an 
act or practice t violates ?is section1 
! attorney g5]al ( ! ,/ate may1 z p>5s  
patriae1 br+ a civil action on behalf ( 

! resid5ts ( ! ,/ate 9 an appropriate   
di/rict c\rt ( ! ,unit$ ,/ates to obta9 
appropriate relief4  7,b7 ,rights ( !   
,commission  7i7 ,notice to !           
,commission  7,i7 ,9 g5]al ,except z    
provid$ 9 subclause 7,,iii71 be=e       
initiat+ a civil action "u subp>agraph  
7,a71 ! attorney g5]al ( a ,/ate %all   
notify ! ,commission 9 writ+ t !        
attorney g5]al int5ds to br+ su* civil  
action4  7,,ii7 ,cont5ts ,! notification
 requir$ by subclause 7,i7 %all include 
a copy ( ! compla9t to be fil$ to       
initiate ! civil action4  7,,iii7       
,exception ,if x is n feasible = !      
attorney g5]al ( a ,/ate to provide !   
notification requir$ by subclause 7,i7  
be=e initiat+ a civil action "u         
subp>agraph 7,a71 ! attorney g5]al %all 
notify ! ,commission imm$iately ^u      
in/itut+ ! civil action4  7ii7          
,int]v5tion by ! ,commission ,^u receiv+
 ! notice requir$ by clause 7i77,i71 !  
,commission may int]v5e 9 ! civil action
 &1 ^u int]v5+-- 7,i7 be he>d on all    

matt]s aris+ 9 ! civil action2 &  7,,ii7
 file petitions = appeal ( a decision 9 
! civil action4  7,c7 ,limitation on    
,/ate action :ile ,f$]al action is p5d+ 
,if ! ,commission has in/itut$ a civil  
action = a violation ( ?is section or a 
regulation promulgat$ "u ?is section1 no
 attorney g5]al ( a ,/ate may br+ an    
action "u subp>agraph 7,a7 dur+ ! p5d5cy
 ( t action aga9/ any def5dant nam$ 9 ! 
compla9t ( ! ,commission = any violation
 ( ?is section or a regulation          
promulgat$ "u ?is section alleg$ 9 !    
compla9t4  7,d7 ,rule ( con/ruction ,=  
purposes ( br++ a civil action "u ?is   
subsection1 no?+ 9 ?is subsection may be
 con/ru$ to prev5t ! attorney g5]al ( a 
,/ate f ex]cis+ ! p[]s conf]r$ on !     
attorney g5]al by ! laws ( ! ,/ate to   
conduct inve/igations1 to adm9i/] oa?s  
or affirmations1 or to compel !         
att5dance ( witnesses or ! production ( 
docum5t>y or o!r evid5ce4  7,e7 ,actions
 by o!r ,/ate (ficials ,9 addition to a 
civil action br\ght by an attorney g5]al

 "u subp>agraph 7,a71 any o!r consum]   
protection (fic] ( a ,/ate :o is        
au?oriz$ by ! ,/ate to d s may br+ a    
civil action "u subp>agraph 7,a71       
subject to ! same requirem5ts &         
limitations t apply "u ?is p>agraph to a
 civil action br\ght by an attorney     
g5]al4  7c7 ,"o national /&>d  7#a7 ,9  
g5]al ,a ,/ate1 or political subdivision
 !re(1 may n ma9ta91 en=ce1 prescribe1  
or cont9ue 9 effect any law1 rule1      
regulation1 requirem5t1 /&>d1 or o!r    
provision hav+ ! =ce & effect ( law ( ! 
,/ate1 or political subdivision ( !     
,/ate1 t requires an onl9e dat+ s]vice  
provid] to notify1 prohibits an onl9e   
dat+ s]vice provid] f notify+1 or       
o!rwise affects ! mann] 9 :i* an onl9e  
dat+ s]vice provid] is requir$ or       
p]mitt$ to notify1 a memb] ( ! onl9e    
dat+ s]vice t ! memb] has receiv$ a     
message f or s5t a message to a memb] ^:
 acc\nt or pr(ile on ! onl9e dat+ s]vice
 is ! subject ( a fraud ban ?r\gh !     
onl9e dat+ s]vice4  7#b7 ,rule (        

con/ruction ,?is subsection may n be    
con/ru$ to preempt any law ( a ,/ate or 
political subdivision ( a ,/ate relat+  
to contracts or torts4  7d7 ,def9itions 
,9 ?is section3 7#a7 ,bann$ memb] ,! t]m
 bann$ memb] means a memb] ( an onl9e   
dat+ s]vice ^: acc\nt or pr(ile on !    
onl9e dat+ s]vice is ! subject ( a fraud
 ban4  7#b7 ,commission ,! t]m          
,commission means ! ,f$]al ,trade       
,commission4  7#c7 ,fraud ban ,! t]m    
fraud ban means ! t]m9ation or susp5sion
 ( ! acc\nt or pr(ile ( a memb] ( an    
onl9e dat+ s]vice because1 9 ! judgm5t (
 ! onl9e dat+ s]vice provid]1 !re is a  
significant risk ! memb] w attempt to   
obta9 ca% or ano!r =m ( curr5cy f ano!r 
memb] ?r\gh fraudul5t means4  7#d7      
,memb] ,! t]m memb] means an individual 
:o-- 7,a7 submits to an onl9e dat+      
s]vice provid] ! in=mation requir$ by ! 
provid] to e/abli% an acc\nt or pr(ile  
on ! onl9e dat+ s]vice2 &  7,b7 is all[$
 by ! provid] to e/abli% su* an acc\nt  
or pr(ile4  7#e7 ,onl9e dat+ s]vice ,!  

t]m onl9e dat+ s]vice means a s]vice t--
 7,a7 is provid$ ?r\gh a website or a   
mobile application2 &  7,b7 (f]s memb]s 
access to dat+ or romantic relation%ips 
) o!r memb]s by arrang+ or facilitat+ ! 
social introduction ( memb]s4  7#f7     
,onl9e dat+ s]vice provid] ,! t]m onl9e 
dat+ s]vice provid] means a p]son engag$
 9 ! bus9ess ( (f]+ an onl9e dat+       
s]vice4  7#g7 ,/ate ,! t]m ,/ate means  
ea* ,/ate ( ! ,unit$ ,/ates1 ! ,di/rict 
( ,columbia1 ea* commonweal?1 t]ritory1 
or possession ( ! ,unit$ ,/ates1 & ea*  
f$]ally recogniz$ ,indian ,tribe4  7e7  
,effective date ,?is section %all take  
effect on ! date t is #a ye> aft] ! date
 ( ! enactm5t ( ?is ,act4