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Union Calendar No. 388 

115TH CONGRESS 

2D SESSION H. R. 1457 

[Report No. 115–523] 

To establish requirements for use of a driver’s license or personal identification card by certain financial institutions for opening an account or 

obtaining a financial product or service, and for other purposes. 

IN THE HOUSE OF REPRESENTATIVES 

MARCH 9, 2017 

Mr. TIPTON (for himself, Mr. HULTGREN, Mr. MCHENRY, Ms. SEWELL of 

Alabama, Ms. SINEMA, and Mr. DAVID SCOTT of Georgia) introduced the 

following bill; which was referred to the Committee on Financial Services 

JANUARY 22, 2018 

Additional sponsors: Mr. LOUDERMILK, Mrs. ROBY, Mr. BYRNE, Mr. STIVERS, 

Mr. YOUNG of Alaska, Mr. COOK, Mr. SMITH of Texas, Mr. POLIQUIN, 

Mr. MEEKS, Mr. PITTENGER, Mr. GONZALEZ of Texas, Mr. ROYCE of 

California, Mr. ROTHFUS, Mr. LUCAS, Mr. KUSTOFF of Tennessee, Ms. 

TENNEY, Mr. BUDD, Mr. RUTHERFORD, Mr. CRIST, Mr. MESSER, Mr. 

GOTTHEIMER, Ms. VELA ́ZQUEZ, Mr. DELANEY, Mr. FRANCIS ROONEY of 

Florida, and Mr. VALADAO

JANUARY 22, 2018 

Reported with an amendment, committed to the Committee of the Whole 

House on the State of the Union, and ordered to be printed 

[Strike out all after the enacting clause and insert the part printed in italic] 

[For text of introduced bill, see copy of bill as introduced on March 9, 2017] 


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A BILL 

To establish requirements for use of a driver’s license or 

personal identification card by certain financial institutions for opening an account or obtaining a financial 

product or service, and for other purposes. 


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

3 SECTION 1. MAKING ONLINE BANKING INITIATION LEGAL 

4 AND EASY. 

5 (a) DEFINITIONS.—In this section: 

6 (1) AFFILIATE.—The term ‘‘affiliate’’ has the 

7 meaning given the term in section 2 of the Bank 

8 Holding Company Act of 1956 (12 U.S.C. 1841). 

9 (2) DRIVER’S LICENSE.—The term ‘‘driver’s li10 cense’’ means a license issued by a State to an indi11 vidual that authorizes the individual to operate a 

12 motor vehicle on public streets, roads, or highways. 

13 (3) FEDERAL BANK SECRECY LAWS.—The term 

14 ‘‘Federal bank secrecy laws’’ means— 

15 (A) section 21 of the Federal Deposit Insur16 ance Act (12 U.S.C. 1829b); 

17 (B) section 123 of Public Law 91–508 (84 

18 Stat. 1116); and 

19 ©) subchapter II of chapter 53 of title 31, 

20 United States Code. 

21 (4) FEDERALLY RECOGNIZED INDIAN TRIBE.— 

22 The term ‘‘federally recognized Indian Tribe’’ has the 

23 meaning given the term by the Secretary of the Inte24 rior under section 104(a) of the Federally Recognized 

25 Indian Tribe List Act of 1994 (25 U.S.C. 5131(a)). 


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1 (5) FINANCIAL INSTITUTION.—The term ‘‘finan2 cial institution’’ means— 

3 (A) an insured depository institution; 

4 (B) an insured credit union; or 

5 (C) any affiliate of an insured depository 

6 institution or insured credit union. 

7 (6) FINANCIAL PRODUCT OR SERVICE.—The term 

8 ‘‘financial product or service’’ has the meaning given 

9 the term in section 1002(15) of the Consumer Finan10 cial Protection Act of 2010 (12 U.S.C. 5481(15)). 

11 (7) INSURED CREDIT UNION.—The term ‘‘insured 

12 credit union’’ has the meaning given the term in sec13 tion 101 of the Federal Credit Union Act (12 U.S.C. 

14 1752). 

15 (8) INSURED DEPOSITORY INSTITUTION.—The 

16 term ‘‘insured depository institution’’ has the mean17 ing given the term in section 3 of the Federal Deposit 

18 Insurance Act (12 U.S.C. 1813). 

19 (9) ONLINE SERVICE.—The term ‘‘online service’’ 

20 means any Internet-based service, such as a Web site 

21 or mobile application. 

22 (10) PERSONAL IDENTIFICATION CARD.—The 

23 term ‘‘personal identification card’’ means an identi24 fication document issued by a State, local govern25 ment, or federally recognized Indian Tribe to an indiVerDate Sep 11 2014 22:24 Jan 22, 2018 Jkt 079200 PO 00000 Frm 00004 Fmt 6652 Sfmt 6203 E:\BILLS\H1457.RH H1457

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1 vidual solely for the purpose of identification of that 

2 individual. 

3 (11) PERSONAL INFORMATION.—The term ‘‘per4 sonal information’’ means the information displayed 

5 on or electronically encoded on a driver’s license or 

6 personal identification card that is reasonably nec7 essary to fulfill the purpose and uses permitted by 

8 subsection (b). 

9 (12) STATE.—The term ‘‘State’’ means any 

10 State, commonwealth, territory, or possession of the 

11 United States, the District of Columbia, the Common12 wealth of Puerto Rico, the Commonwealth of the 

13 Northern Mariana Islands, American Samoa, Guam, 

14 or the United States Virgin Islands. 

15 (13) SCAN.—The term ‘‘scan’’ means the act of 

16 using a device or software to decipher, in an elec17 tronically readable format, personal information dis18 played on or electronically encoded on a driver’s li19 cense or personal identification card. 

20 (b) USE OF A DRIVER’S LICENSE OR PERSONAL IDEN21 TIFICATION CARD.— 

22 (1) IN GENERAL.—When an individual initiates 

23 a request through an online service to open an ac24 count with a financial institution or obtain a finan25 cial product or service from a financial institution, 


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1 the financial institution may record personal infor2 mation from a scan of the driver’s license or personal 

3 identification card of the individual, or make a copy 

4 or receive an image of the driver’s license or personal 

5 identification card of the individual, and store or re6 tain such information in any electronic format for the 

7 purposes described in paragraph (2). 

8 (2) USES OF INFORMATION.—Except as required 

9 to comply with Federal bank secrecy laws, a financial 

10 institution may only use the information obtained 

11 under paragraph (1)— 

12 (A) to verify the authenticity of the driver’s 

13 license or personal identification card; 

14 (B) to verify the identity of the individual; 

15 and 

16 (C) to comply with a legal requirement to 

17 record, retain, or transmit the personal informa18 tion in connection with opening an account or 

19 obtaining a financial product or service. 

20 (3) DELETION OF IMAGE.—A financial institu21 tion that makes a copy or receives an image of a 

22 driver’s license or personal identification card of an 

23 individual in accordance with paragraph (1) shall, 

24 after using the image for the purposes described in 


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1 paragraph (2), permanently delete, within a reason2 able amount of time— 

3 (A) any image of the driver’s license or per4 sonal identification card, as applicable; and 

5 (B) any copy of any such image. 

6 (c) DISCLOSURE OF PERSONAL INFORMATION.—Noth7 ing in this section shall be construed to amend, modify, or 

8 otherwise affect any State or Federal laws that govern a 

9 financial institution’s disclosure and security of personal 

10 information that is not publicly available. 

11 (d) RELATION TO STATE LAW.—The provisions of this 

12 section shall preempt and supersede any State law that con13 flicts with a provision of this section, but only to the extent 

14 of such conflict. 


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Union Calendar No. 388 

115TH CONGRESS 

2D SESSION H. R. 1457 

[Report No. 115–523] 

A BILL 

To establish requirements for use of a driver’s liother purposes. obtaining a financial product or service, and for financial institutions for opening an account or cense or personal identification card by certain 

JANUARY 22, 2018 

Reported with an amendment, committed to the Comand ordered to be printed mittee of the Whole House on the State of the Union, 


daltland on DSKBBV9HB2PROD with BILLS