IV 
114TH CONGRESS 
2D SESSION 
H. RES. 835 
Expressing the sense of the House of Representatives that the United States 
should adopt a national policy for technology to promote consumers’ 
access to financial tools and online commerce to promote economic growth 
and consumer empowerment. 
IN THE HOUSE OF REPRESENTATIVES 
JULY 14, 2016 
Mr. KINZINGER of Illinois (for himself and Mr. CA´RDENAS) submitted the fol-
lowing resolution; which was referred to the Committee on Energy and 
Commerce 
RESOLUTION 
Expressing the sense of the House of Representatives that 
the United States should adopt a national policy for 
technology to promote consumers’ access to financial 
tools and online commerce to promote economic growth 
and consumer empowerment. 
Whereas technology solutions have the potential to improve 
consumers’ ability to control their economic well-being, to 
encourage their financial literacy, and improve their 
knowledge base and increase their options to manage 
their finances and engage in commerce; 
Whereas new payment methods and new payment strategies 
reflect new commercial opportunities; 
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•HRES 835 IH 
Whereas the United States is the world leader in software de-
velopment and technology creation; 
Whereas financial technology is creating new opportunities 
for the 24,800,000 underbanked households in the 
United States; 
Whereas the growth of consumers’ use of mobile devices and 
the deployment of broadband access has supported the 
growth of financial technology products and services out-
side of traditional products and services offered by banks 
and other financial institutions in the United States in-
creasing commerce and job growth; 
Whereas identity theft is a rising concern for people in the 
United States as their personal information is targeted 
by criminal enterprises for monetization on the black 
market; 
Whereas cyberattacks against domestic and international fi-
nancial institutions and cooperatives continue; 
Whereas emerging payment options, including alternative 
non-fiat currencies, are leveraging technology to improve 
security through increased transparency and verifiable 
trust mechanisms to supplant decades old payment tech-
nology deployed by traditional financial institutions; and 
Whereas blockchain technology with the appropriate protec-
tions has the potential to fundamentally change the man-
ner in which trust and security are established in online 
transactions through various potential applications in sec-
tors including financial services, payments, health care, 
energy, property management, and intellectual property 
management: Now, therefore, be it 
Resolved, That it is the sense of the House of Rep-
resentatives that— 
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•HRES 835 IH 
(1) the United States should develop a national 
policy to encourage the development of tools for con-
sumers to learn and protect their assets in a way 
that maximizes the promise customized, connected 
devices hold to empower consumers, foster future 
economic growth, create new commerce and new 
markets; 
(2) the United States should prioritize accel-
erating the development of alternative technologies 
that support transparency, security, and authentica-
tion in a way that recognizes their benefits, allows 
for future innovation, and responsibly protects con-
sumers’ personal information; 
(3) the United States should recognize that 
technology experts can play an important role in the 
future development of consumer-facing technology 
applications for manufacturing, automobiles, tele-
communications, tourism, health care, energy, and 
general commerce; 
(4) the United States should support further in-
novation, and economic growth, and ensure cyberse-
curity, and the protection of consumer privacy; and 
(5) innovators in technology, manufacturing, 
automobiles, telecommunications, tourism, health 
care, and energy industries should commit to im-
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•HRES 835 IH 
proving the quality of life for future generations by 
developing safe and consumer protective, new tech-
nology aimed at improving consumers’ access to 
commerce. 
Æ 
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