I 
114TH CONGRESS 
2D SESSION 
H. R. 5112 
To amend the Consumer Protection Act of 2010 to grant the Bureau of 
Consumer Financial Protection the authority to regulate certain acts 
and practices using processes and procedures consistent with and similar 
to those in place at the Federal Trade Commission, to encourage greater 
communication amongst regulators, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
APRIL 28, 2016 
Mr. LUETKEMEYER introduced the following bill; which was referred to the 
Committee on Financial Services 
A BILL 
To amend the Consumer Protection Act of 2010 to grant 
the Bureau of Consumer Financial Protection the au-
thority to regulate certain acts and practices using proc-
esses and procedures consistent with and similar to those 
in place at the Federal Trade Commission, to encourage 
greater communication amongst regulators, 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 ‘‘Unfair or Deceptive 
Acts or Practices Uniformity Act’’. 
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SEC. 2. BUREAU AUTHORITY OVER UNFAIR AND DECEP-
TIVE ACTS OR PRACTICES. 
(a) IN GENERAL.—Section 1031 of the Consumer Fi-
nancial Protection Act of 2010 (12 U.S.C. 5531) is 
amended— 
(1) in the heading of such section, by striking 
‘‘, DECEPTIVE, OR ABUSIVE’’ and inserting ‘‘OR 
DECEPTIVE’’; 
(2) in subsection (a)— 
(A) by striking ‘‘, deceptive, or abusive’’ 
and inserting ‘‘or deceptive’’; and 
(B) by adding at the end the following: 
‘‘The Bureau may not take any action described 
under this subsection against a covered person 
or service provider unless the Bureau first 
consults the covered person or service provider’s 
primary financial regulatory agency, if any.’’; 
(3) in subsection (b)— 
(A) by striking ‘‘, deceptive, or abusive’’ 
and inserting ‘‘or deceptive’’; and 
(B) by inserting at the end the following: 
‘‘In prescribing any rule under this subsection, 
the Bureau shall comply with the requirements 
of section 18 of the Federal Trade Commission 
Act (15 U.S.C. 57a) applicable to the Federal 
Trade Commission when the Commission pre-
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scribes rules and general statements of policy 
under that section with respect to unfair or de-
ceptive acts or practices in or affecting com-
merce.’’; 
(4) by striking subsection (d); and 
(5) by redesignating subsections (e) and (f) as 
subsections (d) and (e), respectively. 
(b) CONFORMING AMENDMENTS.— 
(1) CONSUMER FINANCIAL PROTECTION ACT OF 
2010.—The Consumer Financial Protection Act of 
2010 (12 U.S.C. 5481 et seq.) is amended— 
(A) by striking ‘‘, deceptive, and abusive’’ 
each place such term appears and inserting 
‘‘and deceptive’’; and 
(B) by striking ‘‘, deceptive, or abusive’’ 
each place such term appears and inserting ‘‘or 
deceptive’’. 
(2) DODD-FRANK WALL STREET REFORM AND 
CONSUMER PROTECTION ACT.—The table of contents 
in section 1(b) of the Dodd-Frank Wall Street Re-
form and Consumer Protection Act is amended, in 
the item relating to section 1031, by striking ‘‘, DE-
CEPTIVE, OR ABUSIVE’’ and inserting ‘‘OR DE-
CEPTIVE’’. 
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(3) OMNIBUS APPROPRIATIONS ACT, 2009.—Sec-
tion 626(a)(1) of the Omnibus Appropriations Act, 
2009 (15 U.S.C. 1638 note) is amended by striking 
‘‘, deceptive, or abusive’’ and inserting ‘‘or decep-
tive’’. 
Æ 
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