‘‘(A) to move from viewing one portion of 
a page on such site to another portion of the 
page; 
‘‘(B) to move from viewing one page on 
such site to another page on such site; or 
‘‘(C) to move from viewing a page on one 
Internet site to a page on another Internet site. 
‘‘(5) The term ‘page,’ with respect to the Inter-
net, means a document or other file accessed at an 
Internet site. 
‘‘(6) The term ‘prescription drug’ means a drug 
that is subject to section 503(b)(1). 
‘‘(7) The terms ‘site’ and ‘address,’ with respect 
to the Internet, mean a specific location on the 
Internet that is determined by Internet Protocol 
numbers, including any successor protocol for deter-
mining a specific location on the Internet.’’. 
(b) PROHIBITED ACTS.—Section 301 of the Federal 
Food, Drug, and Cosmetic Act (21 U.S.C. 331) is amend-
ed by inserting after paragraph (k) the following: 
‘‘(l) The sale or offer for sale of a prescription drug 
or restricted device, or the ownership or operation of an 
illegal Internet pharmacy, in violation of section 503B.’’.
SEC. 3. PROHIBITION ON THE USE OF CERTAIN BANK IN-
STRUMENTS FOR PURCHASES ASSOCIATED 
WITH ILLEGAL INTERNET PHARMACIES. 
(a) REGULATIONS.—Before the end of the 6-month 
period beginning on the date of the enactment of this Act, 
the Federal functional regulators shall prescribe regula-
tions requiring any designated payment system to estab-
lish policies and procedures reasonably designed to iden-
tify and prevent restricted transactions in any of the fol-
lowing ways: 
(1) The establishment of policies and proce-
dures that— 
(A) allow the payment system and any per-
son involved in the payment system to identify 
restricted transactions by means of codes in au-
thorization messages or by other means; and 
(B) block restricted transactions identified 
as a result of the policies and procedures devel-
oped pursuant to subparagraph (A). 
(2) The establishment of policies and proce-
dures that prevent the acceptance of the products or 
services of the payment system in connection with a 
restricted transaction. 
(b) REQUIREMENTS
FOR POLICIES
AND PROCE-
DURES.—In prescribing regulations pursuant to sub-
section (a), the Federal functional regulators shall—
(1) identify types of policies and procedures, in-
cluding nonexclusive examples, which would be 
deemed to be ‘‘reasonably designed to identify’’ and 
‘‘reasonably designed to block’’ or to ‘‘prevent the 
acceptance of the products or services’’ with respect 
to each type of transaction, such as, should credit 
card transactions be so designated, identifying trans-
actions by a code or codes in the authorization mes-
sage and denying authorization of a credit card 
transaction in response to an authorization message; 
(2) to the extent practical, permit any partici-
pant in a payment system to choose among alter-
native means of identifying and blocking, or other-
wise preventing the acceptance of the products or 
services of the payment system or participant in con-
nection with, restricted transactions; and 
(3) consider exempting restricted transactions 
from any requirement under subsection (a) if the 
Federal functional regulators find that it is not rea-
sonably practical to identify and block, or otherwise 
prevent, such transactions. 
(c) COMPLIANCE WITH PAYMENT SYSTEM POLICIES 
AND PROCEDURES.—A creditor, credit card issuer, finan-
cial institution, operator of a terminal at which an elec-
tronic fund transfer may be initiated, money transmitting
business, or international, national, regional, or local net-
work utilized to effect a credit transaction, electronic fund 
transfer, or money transmitting service, or a participant 
in such network, meets the requirement of subsection (a) 
if— 
(1) such person relies on and complies with the 
policies and procedures of a designated payment sys-
tem of which it is a member or participant to— 
(A) identify and block restricted trans-
actions; or 
(B) otherwise prevent the acceptance of 
the products or services of the payment system, 
member, or participant in connection with re-
stricted transactions; and 
(2) such policies and procedures of the des-
ignated payment system comply with the require-
ments of regulations prescribed under subsection 
(a). 
(d) ENFORCEMENT.— 
(1) IN
GENERAL.—This section shall be en-
forced by the Federal functional regulators and the 
Federal Trade Commission under applicable law in 
the manner provided in section 505(a) of the 
Gramm-Leach-Bliley Act.
(2) FACTORS TO BE CONSIDERED.—In consid-
ering any enforcement action under this subsection 
against any payment system, or any participant in 
a payment system that is a creditor, credit card 
issuer, financial institution, operator of a terminal at 
which an electronic fund transfer may be initiated, 
money transmitting business, or international, na-
tional, regional, or local network utilized to effect a 
credit transaction, electronic fund transfer, or money 
transmitting service, or a participant in such net-
work, the Federal functional regulators and the Fed-
eral Trade Commission shall consider the following 
factors: 
(A) The extent to which such person is ex-
tending credit or transmitting funds knowing 
the transaction is in connection with illegal 
Internet pharmacies. 
(B) The history of such person in extend-
ing credit or transmitting funds knowing the 
transaction is in connection with illegal Internet 
pharmacies. 
(C) The extent to which such person has 
established and is maintaining policies and pro-
cedures in compliance with regulations pre-
scribed under this paragraph.