I 

113TH CONGRESS 

1ST SESSION H. R. 2571 

To amend the Dodd-Frank Wall Street Reform and Consumer Protection 

Act to require the Bureau of Consumer Financial Protection to notify 

and obtain permission from consumers before collecting nonpublic personal information about such consumers, and for other purposes. 

IN THE HOUSE OF REPRESENTATIVES 

JUNE 28, 2013 

Mr. DUFFY introduced the following bill; which was referred to the Committee 

on Financial Services 

A BILL 

To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to require the Bureau of Consumer 

Financial Protection to notify and obtain permission 

from consumers before collecting nonpublic personal information about such consumers, and for other purposes. 

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled, 

3 SECTION 1. SHORT TITLE. 

4 This Act may be cited as the ‘‘Consumer Right to 

5 Financial Privacy Act of 2013’’. 


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1 SEC. 2. REQUIREMENT OF THE BUREAU OF CONSUMER FI2 NANCIAL PROTECTION TO OBTAIN PERMIS3 SION BEFORE COLLECTING NONPUBLIC PER4 SONAL INFORMATION. 

5 (a) REQUIRED NOTIFICATION AND PERMISSION.— 

6 Section 1022(c)(9)(A) of the Dodd-Frank Wall Street Re7 form and Consumer Protection Act (12 U.S.C. 

8 5512(c)(9)(A)) is amended— 

9 (1) by striking ‘‘may not obtain from a covered 

10 person or service provider’’ and inserting ‘‘may not 

11 request, obtain, access, collect, use, retain, or dis12 close’’; 

13 (2) by striking ‘‘personally identifiable finan14 cial’’ and inserting ‘‘nonpublic personal’’; and 

15 (3) by striking ‘‘from the financial records’’ and 

16 all that follows through the period at the end and 

17 inserting ‘‘unless— 

18 ‘‘(i) the Bureau clearly and conspicu19 ously discloses to the consumer, in writing 

20 or in an electronic form, what information 

21 will be requested, obtained, accessed, col22 lected, used, retained, or disclosed; and 

23 ‘‘(ii) before such information is re24 quested, obtained, accessed, collected, used, 

25 retained, or disclosed, the consumer in26 forms the Bureau that such information 


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1 may be requested, obtained, accessed, col2 lected, used, retained, or disclosed.’’. 

3 (b) APPLICATION OF REQUIREMENT TO CONTRAC4 TORS OF THE BUREAU OF CONSUMER FINANCIAL PRO5 TECTION.—Section 1022(c)(9)(B) of such Act (12 U.S.C. 

6 5512(c)(9)(B)) is amended to read as follows: 

7 ‘‘(B) APPLICATION OF REQUIREMENT TO

8 CONTRACTORS OF THE BUREAU OF CONSUMER

9 FINANCIAL PROTECTION.—Subparagraph (A) 

10 shall apply to any person directed or engaged 

11 by the Bureau to collect information to the ex12 tent such information is being collected on be13 half of the Bureau.’’. 

14 (c) DEFINITION OF NONPUBLIC PERSONAL INFOR15 MATION.—Section 1022(c)(9) of such Act (12 U.S.C. 

16 5512(c)(9)) is amended by adding at the end the fol17 lowing: 

18 ‘‘(C) DEFINITION OF NONPUBLIC PER19 SONAL INFORMATION.—In this paragraph, the 

20 term ‘nonpublic personal information’ has the 

21 meaning given the term in section 509 of the 

22 Gramm-Leach-Bliley Act (15 U.S.C. 6809).’’. 


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1 SEC. 3. REMOVAL OF EXEMPTION FOR THE BUREAU OF 

2 CONSUMER FINANCIAL PROTECTION FROM 

3 THE RIGHT TO FINANCIAL PRIVACY ACT. 

4 Section 1113 of the Right to Financial Privacy Act 

5 of 1978 (12 U.S.C. 3413) is amended by striking sub6 section (r). 

Æ 


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