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‘‘(5) Under the Federal Aviation Act of 1958, 
by the Secretary of Transportation with respect to 
any air carrier or foreign air carrier subject to that 
Act. 
‘‘(6) Under the Packers and Stockyards Act, 
1921 (except as provided in section 406 of that Act), 
by the Secretary of Agriculture with respect to any 
activities subject to that Act. 
‘‘(7) Under the Commodity Exchange Act, with 
respect to a person subject to the jurisdiction of the 
Commodity Futures Trading Commission. 
‘‘(8) Under the Federal securities law and any 
other laws subject to the jurisdiction of the Securi-
ties and Exchange Commission, with respect to a 
person subject to the jurisdiction of the Securities 
and Exchange Commission. 
Any term used in paragraph (1) that is not defined in 
this title or otherwise defined in section 3(s) of the Federal 
Deposit Insurance Act shall have the meaning given to 
such term in section 1(b) of the International Banking Act 
of 1978.’’; 
(C) in paragraph (2) of subsection (c)— 
(i) by inserting ‘‘the Agency and’’ be-
fore ‘‘the Federal Trade Commission’’ in 
the first sentence; 
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(ii) by inserting ‘‘Agency and the Fed-
eral Trade’’ after ‘‘provide the’’; and 
(iii) by inserting ‘‘Agency,’’ before 
‘‘Federal Trade Commission’’ in the sec-
ond sentence; 
(D) in paragraph (4) of subsection (c)— 
(i) by inserting ‘‘Agency’’, before ‘‘the 
Federal Trade Commission’’; and 
(ii) inserting ‘‘Agency, the Federal 
Trade’’ after ‘‘complaint of the’’; 
(E) in paragraph (2) of subsection (f), by 
inserting ‘‘the Federal Trade Commission’’ 
after ‘‘in consultation with’’; 
(F) by striking subsection (e) and inserting 
the following new subsection: 
‘‘(e) REGULATORY AUTHORITY.—The Agency shall 
prescribe such regulations as necessary to carry out the 
purposes of this Act, except that, with respect to sections 
615(e) and 628 of this title, the agencies identified in sub-
sections (a) and (b) of this section shall prescribe such 
regulations as necessary to carry out the purposes of such 
sections with respect to entities within their enforcement 
authority under such subsections.’’; and 
(G) in the heading of subsection (g) by 
striking ‘‘FTC’’. 
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(8) SECTION
623.—Section 623 of the Fair 
Credit Reporting Act (15 U.S.C. 1681s–2) is 
amended— 
(A) by amending subparagraph (a)(7)(D) 
to read as follows: 
‘‘(D) MODEL DISCLOSURE.— 
‘‘(i) DUTY
OF
AGENCY
TO
PRE-
PARE.—The Agency shall prescribe a brief 
model disclosure a financial institution 
may use to comply with subparagraph (A), 
which shall not exceed 30 words. 
‘‘(ii) 
USE
OF
MODEL
NOT
RE-
QUIRED.—No provision of this paragraph 
shall be construed as requiring a financial 
institution to use any such model form pre-
scribed by the Agency. 
‘‘(iii) COMPLIANCE USING MODEL.—A 
financial institution shall be deemed to be 
in compliance with subparagraph (A) if the 
financial institution uses any such model 
form prescribed by the Agency, or the fi-
nancial institution uses any such model 
form and rearranges its format.’’. 
(B) by amending subsection (e) to read as 
follows: 
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‘‘(e) ACCURACY GUIDELINES AND REGULATIONS RE-
QUIRED.— 
‘‘(1) GUIDELINES.—The Agency shall, with re-
spect to the entities that are subject to its enforce-
ment authority under section 621— 
‘‘(A) establish and maintain guidelines for 
use by each person that furnishes information 
to a consumer reporting agency regarding the 
accuracy and integrity of the information relat-
ing to consumers that such entities furnish to 
consumer reporting agencies, and update such 
guidelines as often as necessary; and 
‘‘(B) prescribe regulations requiring each 
person that furnishes information to a con-
sumer reporting agency to establish reasonable 
policies and procedures or implementing the 
guidelines established pursuant to subpara-
graph (A). 
‘‘(2) CRITERIA.—In developing the guidelines 
required by paragraph (1)(A), the Agency shall— 
‘‘(A) identify patterns, practices, and spe-
cific forms of activity that can compromise the 
accuracy and integrity of information furnished 
to consumer reporting agencies; 
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‘‘(B) review the methods (including techno-
logical means) used to furnish information re-
lating to consumers to consumer reporting 
agencies; 
‘‘(C) determine whether persons that fur-
nish information to consumer reporting agen-
cies maintain and enforce policies to ensure the 
accuracy and integrity of information furnished 
to consumer reporting agencies; and 
‘‘(D) examine the policies and processes 
that persons that furnish information to con-
sumer reporting agencies employ to conduct re-
investigations and correct inaccurate informa-
tion relating to consumers that has been fur-
nished to consumer reporting agencies.’’. 
(c) EQUAL CREDIT OPPORTUNITY ACT.— 
(1) SECTION 701.—Section 701 of the Equal 
Credit Opportunity Act (15 U.S.C. 1691) is amend-
ed by striking ‘‘Board’’ each place such term ap-
pears and inserting ‘‘Agency’’. 
(2) SECTION 702.—Section 702(c) of the Equal 
Credit Opportunity Act (15 U.S.C. 1691a) is 
amended to read as follows: 
‘‘(c) The term ‘Agency’ means the Consumer Finan-
cial Protection Agency.’’. 
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(3) SECTION 703.—Section 703 of the Equal 
Credit Opportunity Act (15 U.S.C. 1691b) is 
amended— 
(A) by striking subsection (b); 
(B) in subsection (a)— 
(i) by striking ‘‘(1)’’; and 
(ii) by redesignating paragraphs (2), 
(3), (4), and (5) as subsections (b), (c), 
(d), and (e), respectively; 
(C) in subsection (c) (as so redesig-
nated)— 
(i) by striking ‘‘paragraph (2)’’ and 
inserting ‘‘subsection (b)’’; and 
(ii) by striking ‘‘such paragraph’’ and 
inserting ‘‘such subsection’’; 
(D) in subsection (d) (as so redesig-
nated)— 
(i) by striking ‘‘subsection’’ and in-
serting ‘‘section’’; 
(ii) by striking ‘‘Act’’ and inserting 
‘‘title’’; and 
(iii) by striking ‘‘this paragraph’’ and 
inserting ‘‘this subsection’’; and 
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(E) by striking ‘‘Board’’ each place such 
term appears in such section and inserting 
‘‘Agency’’. 
(4) SECTION 704.—Section 704 of the Equal 
Credit Opportunity Act (15 U.S.C. 1691c) is amend-
ed— 
(A) in subsection (a)— 
(i) in the matter preceding paragraph 
(1), by striking ‘‘Compliance’’ and insert-
ing ‘‘Subject to section 4202 of the Con-
sumer Financial Protection Agency Act of 
2009, compliance’’; 
(ii) in paragraph (1)(A), by striking 
‘‘Office of the Comptroller of the Cur-
rency’’ and inserting ‘‘head of the agency 
responsible for chartering and regulating 
national banks’’; 
(iii) in paragraph (1)(B)— 
(I) by inserting ‘‘of Governors of 
the Federal Reserve System’’ after 
‘‘Board’’; and 
(II) by striking ‘‘and’’ after the 
semicolon; 
(iv) in paragraph (1)(C), by inserting 
‘‘and’’ after the semicolon; 
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(v) by inserting after subparagraph 
(C) of paragraph (1) the following new 
subparagraph: 
‘‘(D) savings associations and savings and 
loan holding companies by the Director of the 
Office of Thrift Supervision;’’; and 
(vi) by amending paragraph (2) to 
read as follows: 
‘‘(2) Subtitle E of the Consumer Financial Pro-
tection Agency Act of 2009, by the Agency.’’; 
(B) by striking subsection (c) and insert-
ing the following new subsection: 
‘‘(c) OVERALL ENFORCEMENT AUTHORITY OF FED-
ERAL TRADE COMMISSION.—Except to the extent that en-
forcement of the requirements imposed under this title is 
specifically committed to some other Government agency 
(other than the Consumer Financial Protection Agency) 
under subsection (a) and subject to section 4202 of the 
Consumer Financial Protection Agency Act of 2009, the 
Federal Trade Commission shall enforce such require-
ments. For the purpose of the exercise by the Federal 
Trade Commission of its functions and powers under the 
Federal Trade Commission Act, a violation of any require-
ment imposed under this title shall be deemed a violation 
of a requirement imposed under that Act. All of the func-
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tions and powers of the Federal Trade Commission under 
the Federal Trade Commission Act are available to the 
Commission to enforce compliance by any person with the 
requirements imposed under this title, irrespective of 
whether that person is engaged in commerce or meets any 
other jurisdictional tests in the Federal Trade Commission 
Act, including the power to enforce any regulation pre-
scribed by the Director under this title in the same man-
ner as if the violation had been a violation of a Federal 
Trade Commission trade regulation rule.’’; and 
(C) in subsection (d), by striking ‘‘Board’’ 
and inserting ‘‘Agency’’. 
(5) SECTION 704a.—Section 704A(a)(1) of the 
Equal Credit Opportunity Act (15 U.S.C. 1691c– 
1(a)(1)) is amended in by striking ‘‘Board’’ and in-
serting ‘‘Agency’’. 
(6) SECTION 705.—Section 705 of the Equal 
Credit Opportunity Act (15 U.S.C. 1691d) is 
amended— 
(A) in subsection (f), by striking ‘‘Board’’ 
each place such term appears and inserting 
‘‘Agency’’; and 
(B) in subsection (g), by striking ‘‘Board’’ 
and inserting ‘‘Agency’’. 
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(7) SECTION 706.—Section 706 of the Equal 
Credit Opportunity Act (15 U.S.C. 1691e) is amend-
ed— 
(A) in subsection (e)— 
(i) by striking ‘‘Board’’ each place 
such term appears and inserting ‘‘Agency’’; 
and 
(ii) by striking ‘‘Federal Reserve Sys-
tem’’ and inserting ‘‘Consumer Financial 
Protection Agency’’; 
(B) in subsection (f), by striking ‘‘two 
years’’ each place such term appears and insert-
ing ‘‘5 years’’; 
(C) in subsection (g)— 
(i) by striking ‘‘The agencies having’’, 
in the 1st sentence, and inserting ‘‘The 
Agency and the agencies having’’; 
(ii) by striking ‘‘Each agency re-
ferred’’, in the 2nd sentence, and inserting 
‘‘The Agency and each agency referred’’; 
(iii) by striking ‘‘Each such agency’’, 
in the 3rd sentence, and inserting ‘‘The 
Agency and each such agency’’; and 
(iv) by striking ‘‘whenever the agen-
cy’’ in the 3rd sentence, and inserting 
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‘‘whenever the Agency or an agency having 
responsibility for administrative enforce-
ment under section 704’’; and 
(D) in subsection (k)— 
(i) by striking ‘‘Whenever an agency’’ 
and inserting ‘‘Whenever the Agency or an 
agency’’; and 
(ii) by striking ‘‘the agency shall no-
tify’’ and inserting ‘‘the Agency, or an 
agency referred to in any such paragraph, 
as the case may be, shall notify’’. 
(8) SECTION 707.—Section 707 of the Equal 
Credit Opportunity Act (15 U.S.C. 1691f) is amend-
ed by striking ‘‘Board’’ each place such term ap-
pears and inserting ‘‘Agency’’. 
(d) FAIR DEBT COLLECTION PRACTICES ACT.— 
(1) SECTION
803.—Section 803 of the Fair 
Debt Collection Practices Act (15 U.S.C. 1692a) is 
amended— 
(A) by redesignating paragraphs (1), (2), 
(3), (4), (5), (6), (7), and (8) as paragraphs 
(2), (3), (4), (5), (6), (7), (8), and (9), respec-
tively; and 
(B) by inserting before paragraph (2) (as 
so redesignated) the following new paragraph: 
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‘‘(1) The term ‘Agency’ means the Consumer 
Financial Protection Agency.’’. 
(2) SECTION 813.—Section 813(e) of the Fair 
Debt Collection Practices Act (15 U.S.C. 1692k(e)) 
is amended by striking ‘‘Commission’’ and inserting 
‘‘Agency’’. 
(3) SECTION
814.—Section 814 of the Fair 
Debt Collection Practices Act (15 U.S.C. 1692l) is 
amended— 
(A) by striking subsection (a) and insert-
ing the following new subsection: 
‘‘(a) FEDERAL TRADE COMMISSION.—Subject to sec-
tion 4202 of the Consumer Financial Protection Agency 
Act of 2009, compliance with this title shall be enforced 
by the Commission, except to the extent that enforcement 
of the requirements imposed under this title is specifically 
committed to another agency (other than the Consumer 
Financial Protection Agency) under subsection (b). For 
purpose of the exercise by the Commission of its functions 
and powers under the Federal Trade Commission Act, a 
violation of this title shall be deemed an unfair or decep-
tive act or practice in violation of that Act. All of the func-
tions and powers of the Commission under the Federal 
Trade Commission Act are available to the Commission 
to enforce compliance by any person with this title, irre-
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spective of whether that person is engaged in commerce 
or meets any other jurisdictional tests in the Federal 
Trade Commission Act, including the power to enforce the 
provisions of this title in the same manner as if the viola-
tion had been a violation of a Federal Trade Commission 
trade regulation rule.’’; 
(B) in subsection (b)— 
(i) in the matter preceding paragraph 
(1), by striking ‘‘Compliance’’ and insert-
ing ‘‘ENFORCEMENT
BY OTHER AGEN-
CY.—Subject to section 4202 of the Con-
sumer Financial Protection Agency Act of 
2009, compliance’’; 
(ii) in paragraph (1)(A), by striking 
‘‘Office of the Comptroller of the Cur-
rency;’’ and inserting ‘‘head of the agency 
responsible for chartering and regulating 
national banks;’’; 
(iii) in paragraph (1)(B), by striking 
‘‘and’’ after the semicolon; 
(iv) in paragraph (1)(C), by inserting 
‘‘and’’ after the semicolon; 
(v) by inserting after subparagraph 
(C) of paragraph (1) the following new 
subparagraph: 
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‘‘(D) savings associations and savings and 
loan holding companies by the Director of the 
Office of Thrift Supervision;’’; and 
(vi) by striking paragraph (2) and in-
serting the following new paragraph: 
‘‘(2) subtitle E of the Consumer Financial Pro-
tection Agency Act of 2009, by the Agency;’’; and 
(C) by striking subsection (d) and insert-
ing the following new subsection: 
‘‘(d) REGULATIONS.—The Agency may prescribe reg-
ulations with respect to the collection of debts by any debt 
collector.’’. 
(4) SECTION
815.—Section 815 (15 U.S.C. 
1692m) is amended— 
(A) in the section heading, by striking 
‘‘Commission’’ and inserting ‘‘Agency’’; 
and 
(B) by striking ‘‘Commission’’ each place 
such term appears and inserting ‘‘Agency’’. 
(5) SECTION
817.—Section 817 (15 U.S.C. 
1692o) is amended by striking ‘‘Commission’’ each 
place such term appears and inserting ‘‘Agency’’. 
(e) ELECTRONIC FUND TRANSFER ACT.— 
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(1) SECTION
903.—Section 903 of the Elec-
tronic Fund Transfer Act (15 U.S.C. 1693a) is 
amended— 
(A) by striking paragraph (3) and insert-
ing the following new paragraph: 
‘‘(3) the term ‘Agency’ means the Consumer Fi-
nancial Protection Agency;’’; and 
(B) in paragraph (6), by striking ‘‘Board’’ 
and inserting ‘‘Agency’’. 
(2) SECTION
904.—Section 904 of the Elec-
tronic Fund Transfer Act (15 U.S.C. 1693b) is 
amended by striking ‘‘Board’’ each place such term 
appears and inserting ‘‘Agency’’. 
(3) SECTION
905.—Section 905 of the Elec-
tronic Fund Transfer Act (15 U.S.C. 1693c) is 
amended by striking ‘‘Board’’ each place such term 
appears and inserting ‘‘Agency’’. 
(4) SECTION 906.—Section 906(b) of the Elec-
tronic Fund Transfer Act (15 U.S.C. 1693d(b)) is 
amended by striking ‘‘Board’’ and inserting ‘‘Agen-
cy’’. 
(5) SECTION 907.—Section 907(b) of the Elec-
tronic Fund Transfer Act (15 U.S.C. 1693e(b)) is 
amended by striking ‘‘Board’’ and inserting ‘‘Agen-
cy’’. 
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(6) SECTION
908.—Section 908(f)(7) of the 
Electronic 
Fund 
Transfer 
Act 
(15 
U.S.C. 
1693f(f)(7)) is amended by striking ‘‘Board’’ and in-
serting ‘‘Agency’’. 
(7) SECTION 910.—Section 910(a)(1)(E) of the 
Electronic 
Fund 
Transfer 
Act 
(15 
U.S.C. 
1693h(a)(1)(E)) is amended by striking ‘‘Board’’ 
and inserting ‘‘Agency’’. 
(8) SECTION
911.—Section 911(b)(3) of the 
Electronic 
Fund 
Transfer 
Act 
(15 
U.S.C. 
1693i(b)(3) is amended by striking ‘‘Board’’ and in-
serting ‘‘Agency’’. 
(9) SECTION 915.—Section 915(d) of the Elec-
tronic Fund Transfer Act (15 U.S.C. 1693m(d)) is 
amended— 
(A) by striking ‘‘Board’’ each place such 
term appears and inserting ‘‘Agency’’; and 
(B) by striking ‘‘Federal Reserve System’’ 
and inserting ‘‘Consumer Financial Protection 
Agency’’. 
(10) SECTION 917.—Section 917 of the Elec-
tronic Fund Transfer Act (15 U.S.C. 1693o) is 
amended— 
(A) in subsection (a)— 
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(i) by striking ‘‘Compliance’’ and in-
serting ‘‘Subject to section 4202 of the 
Consumer Financial Protection Agency Act 
of 2009, compliance’’; 
(ii) in paragraph (1)(A), by striking 
‘‘Office of the Comptroller of the Cur-
rency’’ and inserting ‘‘head of the agency 
responsible for chartering and regulating 
national banks’’; 
(iii) in paragraph (l)(B), by inserting 
‘‘of Governors of the Federal Reserve Sys-
tem’’ after ‘‘Board’’; and 
(iv) by striking paragraph (2) and in-
serting: 
‘‘(2) subtitle E of the Consumer Financial Pro-
tection Agency Act of 2009, by the Agency;’’; and 
(B) by striking subsection (c) and insert-
ing the following new subsection: 
‘‘(c) OVERALL ENFORCEMENT AUTHORITY OF THE 
FEDERAL TRADE COMMISSION.—Except to the extent 
that enforcement of the requirements imposed under this 
title is specifically committed to some other Government 
agency (other than the Consumer Financial Protection 
Agency) under subsection (a) and subject to section 4202 
of the Consumer Financial Protection Agency Act of 2009, 
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the Federal Trade Commission shall enforce such require-
ments. For the purpose of the exercise by the Federal 
Trade Commission of its functions and powers under the 
Federal Trade Commission Act, a violation of any require-
ment imposed under this title shall be deemed a violation 
of a requirement imposed under that Act. All of the func-
tions and powers of the Federal Trade Commission under 
the Federal Trade Commission Act are available to the 
Commission to enforce compliance by any person subject 
to the jurisdiction of the Commission with the require-
ments imposed under this title, irrespective of whether 
that person is engaged in commerce or meets any other 
jurisdictional tests in the Federal Trade Commission 
Act.’’. 
(11) SECTION 918.—Section 918 of the Elec-
tronic Fund Transfer Act (15 U.S.C. 1693p) is 
amended by striking ‘‘Board’’ each place such term 
appears and inserting ‘‘Agency’’. 
(12) SECTION 919.—Section 919 of the Elec-
tronic Fund Transfer Act (15 U.S.C. 1693q) is 
amended by striking ‘‘Board’’ each place such term 
appears and inserting ‘‘Agency’’. 
(13) SECTION 920.—Section 920 of the Elec-
tronic Fund Transfer Act (15 U.S.C. 1693r) is 
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amended by striking ‘‘Board’’ each place such term 
appears and inserting ‘‘Agency’’. 
(f) AMENDMENTS TO HOEPA RELATING TO THE 
TRUTH IN LENDING ACT.—Section 158 of the Home 
Ownership and Equity Protection Act of 1994 (15 U.S.C. 
1601 note) (relating to hearings on home equity lending) 
is amended— 
(1) in subsection (a), by striking ‘‘Board of 
Governors of the Federal Reserve System, in con-
sultation with the Consumer Advisory Council of the 
Board,’’ and inserting ‘‘Consumer Financial Protec-
tion Agency, in consultation with the Advisory 
Board to the Agency’’; and 
(2) in subsection (b), by striking ‘‘Board of 
Governors of the Federal Reserve System’’ and in-
serting ‘‘Consumer Financial Protection Agency’’. 
(g) AMENDMENT
TO
THE FAIR
AND ACCURATE 
CREDIT TRANSACTIONS ACT OF 2003 RELATING TO THE 
FAIR CREDIT REPORTING ACT.—Section 214(b)(1) of the 
Fair and Accurate Credit Transactions Act of 2003 (15 
U.S.C. 1681s–3 note) is amended by striking ‘‘The Fed-
eral banking agencies, the National Credit Union Adminis-
tration, and the Commission, with respect to the entities 
that are subject to their respective enforcement authority 
under section 621 of the Fair Credit Reporting Act and’’ 
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