(2) TECHNICAL
AND
CONFORMING
AMEND-
MENT.—The table of sections for chapter 1 of the 
Truth in Lending Act (15 U.S.C. 1601 et seq.) is 
amended by inserting after the item relating to sec-
tion 109 the following: 
‘‘110. Registration requirement for small-dollar consumer credit transaction 
lenders.’’. 
(b) PROHIBITION ON CERTAIN FEES.—Section 915 
of the Electronic Fund Transfer Act (15 U.S.C. 1693l– 
1) is amended— 
(1) by redesignating subsection (d) as sub-
section (e); and 
(2) by inserting after subsection (c) the fol-
lowing: 
‘‘(d) ADDITIONAL FEES PROHIBITED.— 
‘‘(1) DEFINITION.—In this subsection, the term 
‘prepaid account’ has the meaning given the term in 
section 1005.2 of title 12, Code of Federal Regula-
tions, or any successor regulation. 
‘‘(2) PROHIBITION.—With respect to the use of 
a prepaid account by a consumer— 
‘‘(A) it shall be unlawful for any person to 
charge the consumer a fee for an overdraft with 
respect to the prepaid account; 
‘‘(B) any transaction for an amount that 
exceeds the account balance of the prepaid ac-
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count may be declined by the financial institu-
tion holding the prepaid account; and 
‘‘(C) the Bureau may, by rule, prohibit any 
person from charging a fee with respect to the 
prepaid account (other than a fee described in 
subparagraph (a)) so that the Bureau may— 
‘‘(i) prevent unfair, deceptive, or abu-
sive practices; and 
‘‘(ii) promote the ability of the con-
sumer to understand and compare the 
costs of prepaid accounts.’’. 
SEC. 4. RESTRICTIONS ON LEAD GENERATION IN SMALL- 
DOLLAR CONSUMER CREDIT TRANSACTIONS. 
(a) IN GENERAL.—Chapter 2 of the Truth in Lend-
ing Act (15 U.S.C. 1631 et seq.) is amended by adding 
at the end the following: 
‘‘§ 140B. Restrictions on lead generation in small-dol-
lar consumer credit transactions 
‘‘(a) DEFINITIONS.—In this section— 
‘‘(1) the terms ‘Internet access service’ and 
‘Internet information location tool’ have the mean-
ings given those terms, respectively, in section 
231(e) of the Communications Act of 1934 (47 
U.S.C. 231(e)); 
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‘‘(2) the term ‘sensitive personal financial infor-
mation’ means a social security number, financial 
account number, bank routing number, bank ac-
count number, or security or access code that is im-
mediately necessary to permit access to the financial 
account of an individual; and 
‘‘(3) the term ‘small-dollar consumer credit 
transaction’ has the meaning given the term in sec-
tion 110(a). 
‘‘(b) IDENTIFICATION INFORMATION.—Any person 
facilitating, brokering, arranging for, or gathering applica-
tions for the distribution of sensitive personal financial in-
formation in connection with a small-dollar consumer 
credit transaction shall prominently disclose information 
by which the person may be contacted or identified, includ-
ing for service of process and for identification of the reg-
istrant of any domain name registered or used. 
‘‘(c) PROHIBITION ON LEAD GENERATION IN SMALL- 
DOLLAR CONSUMER CREDIT TRANSACTIONS.—No person 
may facilitate, broker, arrange for, or gather applications 
for the distribution of sensitive personal financial informa-
tion in connection with a small-dollar consumer credit 
transaction unless the person is directly providing the 
small-dollar consumer credit to a consumer. 
‘‘(d) RULE OF CONSTRUCTION.— 
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‘‘(1) IN
GENERAL.—Nothing in this section 
may be construed to limit the authority of the Bu-
reau to further restrict activities covered by this sec-
tion. 
‘‘(2) CLARIFICATION.—For the purposes of this 
section, it shall not be considered facilitating, 
brokering, arranging for, or gathering applications 
for the distribution of sensitive personal financial in-
formation in connection with a small-dollar con-
sumer credit transaction to be engaged solely in one 
of the following activities: 
‘‘(A) The provision of a telecommuni-
cations service, an Internet access service, or an 
Internet information location tool. 
‘‘(B) The transmission, storage, retrieval, 
hosting, formatting, or translation (or any com-
bination thereof) of a communication, without 
selection or alteration of the content of the 
communication, except the deletion of a par-
ticular communication or material made by an-
other person in a manner that is consistent 
with section 230(c) of the Communications Act 
of 1934 (47 U.S.C. 230(c)).’’. 
(b) TECHNICAL AND CONFORMING AMENDMENT.— 
The table of sections for chapter 2 of the Truth in Lend-
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ing Act (15 U.S.C. 1631 et seq.) is amended by adding 
at the end the following: 
‘‘140B. Restrictions on lead generation in small-dollar consumer credit trans-
actions.’’. 
SEC. 5. STUDIES. 
(a) DEFINITIONS.—In this section— 
(1) the term ‘‘appropriate committees of Con-
gress’’ means— 
(A) the Committee on Banking, Housing, 
and Urban Affairs of the Senate; 
(B) the Committee on Indian Affairs of the 
Senate; 
(C) the Committee on Financial Services of 
the House of Representatives; and 
(D) the Committee on Natural Resources 
of the House of Representatives; and 
(2) the term ‘‘Indian Tribe’’ has the meaning 
given the term in section 4 of the Indian Self-Deter-
mination and Education Assistance Act (25 U.S.C. 
5304). 
(b) STUDY REQUIRED.—Not later than 180 days 
after the date of enactment of this Act, the Comptroller 
General of the United States shall conduct a study regard-
ing— 
(1) the availability of capital on reservations of 
Indian Tribes; and 
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(2) the impact that small-dollar consumer credit 
extended through internet and non-internet means 
to members of Indian Tribes has had on economic 
opportunity and wealth for members of Indian 
Tribes. 
(c) CONSULTATION.—In conducting the study re-
quired under subsection (b), the Comptroller General of 
the United States shall consult, as appropriate, with— 
(1) the Bureau of Consumer Financial Protec-
tion; 
(2) the Board of Governors of the Federal Re-
serve System; 
(3) the Director of the Bureau of Indian Af-
fairs; 
(4) federally recognized Indian Tribes; and 
(5) community development financial institu-
tions operating in Indian lands. 
(d) CONGRESSIONAL CONSIDERATION.—The Comp-
troller General of the United States shall submit to the 
appropriate committees of Congress the study required 
under subsection (b). 
SEC. 6. RULEMAKING. 
Not later than 1 year after the date of enactment 
of this Act, the Director of the Bureau of Consumer Fi-
nancial Protection shall adopt any final rules that are nec-
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