I 
114TH CONGRESS 
2D SESSION 
H. R. 6287 
To establish requirements for use of a driver’s license or personal identifica-
tion 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 
SEPTEMBER 28, 2016 
Mr. TIPTON (for himself, Mr. HULTGREN, and Ms. SEWELL of Alabama) in-
troduced the following bill; which was referred to the Committee on Fi-
nancial Services 
A BILL 
To establish requirements for use of a driver’s license or 
personal identification card by certain financial institu-
tions for opening an account or obtaining a financial 
product or service, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Making Online Bank-
ing Initiation Legal and Easy Act of 2016’’ or the ‘‘MO-
BILE Act of 2016’’. 
SEC. 2. DEFINITIONS. 
In this Act: 
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(1) AFFILIATE.—The term ‘‘affiliate’’ has the 
meaning given such term in section 2(k) of the Bank 
Holding Company Act of 1956 (12 U.S.C. 1841(k)). 
(2) DRIVER’S LICENSE.—The term ‘‘driver’s li-
cense’’ means a license issued by a State to an indi-
vidual which authorizes the individual to operate a 
motor vehicle on public streets, roads, or highways. 
(3) FEDERAL BANK SECRECY LAWS.—The term 
‘‘Federal bank secrecy laws’’ means— 
(A) section 21 of the Federal Deposit In-
surance Act (12 U.S.C. 1829b); 
(B) section 123 of Public Law 91–508; 
and 
(C) subchapter II of chapter 53 of title 31, 
United States Code. 
(4) FINANCIAL
INSTITUTION.—The term ‘‘fi-
nancial institution’’ means— 
(A) an insured depository institution, as 
defined in section 3 of the Federal Deposit In-
surance Act (12 U.S.C. 1813); 
(B) an insured credit union, as defined in 
section 101 of the Federal Credit Union Act 
(12 U.S.C. 1752); or 
(C) any affiliate of an insured depository 
institution or insured credit union. 
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(5) FINANCIAL
PRODUCT
OR
SERVICE.—The 
term ‘‘financial product or service’’ has the meaning 
given such term in section 1002(15) of the Con-
sumer Financial Protection Act of 2010 (12 U.S.C. 
5481(15)). 
(6) PERSONAL
IDENTIFICATION
CARD.—The 
term ‘‘personal identification card’’ means an identi-
fication document issued by a State or local govern-
ment to an individual solely for the purpose of iden-
tification of such individual. 
(7) STATE.—The term ‘‘State’’ means any 
State of the United States, the District of Columbia, 
the Commonwealth of Puerto Rico, and any other 
commonwealth, possession, or territory of the United 
States. 
(8) SWIPE.—The term ‘‘swipe’’ means the act 
of using a device on a driver’s license or personal 
identification card to decipher, in an electronically 
readable format, personal information displayed on 
or electronically encoded on the driver’s license or 
personal identification card. 
SEC. 3. USE OF A DRIVER’S LICENSE OR PERSONAL IDENTI-
FICATION CARD. 
(a) IN GENERAL.—With the consent of an individual, 
a financial institution may record personal information 
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from a swipe of the individual’s driver’s license or personal 
identification card, or make a copy of the individual’s driv-
er’s license or personal identification card, and store or 
retain such information in any electronic format for pur-
poses of opening an account with the financial institution 
or obtaining a financial product or service from the finan-
cial institution. Except as required to comply with Federal 
bank secrecy laws, the financial institution may only use 
the personal information— 
(1) to verify the authenticity of the driver’s li-
cense or personal identification card with the State 
that issued the driver’s license or personal identifica-
tion card; 
(2) to verify the identity of the individual; and 
(3) to comply with a legal requirement to 
record, retain, or transmit the personal information 
in connection with opening the account or obtaining 
the financial product or service. 
(b) NOTICE TO CONSUMER.—A financial institution 
that swipes or copies an individual’s driver’s license or per-
sonal identification card in accordance with subsection (a) 
shall inform the individual about the type of information 
collected. 
(c) RESTRICTIONS ON USE OF INFORMATION.—A fi-
nancial institution that obtains information from a swipe 
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or a copy of a driver’s license or personal identification 
card as described in subsection (a) may not sell, rent, 
transfer, or make the personal information available to an-
other person (other than an affiliate). 
SEC. 4. RELATION TO STATE LAW. 
The provisions of this Act shall preempt and super-
sede any State law that conflicts with a provision of this 
Act, but only to the extent of such conflict. 
Æ 
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