IB 
Union Calendar No. 388 
115TH CONGRESS 
2D SESSION 
H. R. 1457 
[Report No. 115–523] 
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 
MARCH 9, 2017 
Mr. TIPTON (for himself, Mr. HULTGREN, Mr. MCHENRY, Ms. SEWELL of 
Alabama, Ms. SINEMA, and Mr. DAVID SCOTT of Georgia) introduced the 
following bill; which was referred to the Committee on Financial Services 
JANUARY 22, 2018 
Additional sponsors: Mr. LOUDERMILK, Mrs. ROBY, Mr. BYRNE, Mr. STIVERS, 
Mr. YOUNG of Alaska, Mr. COOK, Mr. SMITH of Texas, Mr. POLIQUIN, 
Mr. MEEKS, Mr. PITTENGER, Mr. GONZALEZ of Texas, Mr. ROYCE of 
California, Mr. ROTHFUS, Mr. LUCAS, Mr. KUSTOFF of Tennessee, Ms. 
TENNEY, Mr. BUDD, Mr. RUTHERFORD, Mr. CRIST, Mr. MESSER, Mr. 
GOTTHEIMER, Ms. VELA´ZQUEZ, Mr. DELANEY, Mr. FRANCIS ROONEY of 
Florida, and Mr. VALADAO 
JANUARY 22, 2018 
Reported with an amendment, committed to the Committee of the Whole 
House on the State of the Union, and ordered to be printed 
[Strike out all after the enacting clause and insert the part printed in italic] 
[For text of introduced bill, see copy of bill as introduced on March 9, 2017] 
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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. 
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Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. MAKING ONLINE BANKING INITIATION LEGAL 
AND EASY. 
(a) DEFINITIONS.—In this section: 
(1) AFFILIATE.—The term ‘‘affiliate’’ has the 
meaning given the term in section 2 of the Bank 
Holding Company Act of 1956 (12 U.S.C. 1841). 
(2) DRIVER’S LICENSE.—The term ‘‘driver’s li-
cense’’ means a license issued by a State to an indi-
vidual that 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 Insur-
ance Act (12 U.S.C. 1829b); 
(B) section 123 of Public Law 91–508 (84 
Stat. 1116); and 
©) subchapter II of chapter 53 of title 31, 
United States Code. 
(4) FEDERALLY RECOGNIZED INDIAN TRIBE.— 
The term ‘‘federally recognized Indian Tribe’’ has the 
meaning given the term by the Secretary of the Inte-
rior under section 104(a) of the Federally Recognized 
Indian Tribe List Act of 1994 (25 U.S.C. 5131(a)). 
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(5) FINANCIAL INSTITUTION.—The term ‘‘finan-
cial institution’’ means— 
(A) an insured depository institution; 
(B) an insured credit union; or 
(C) any affiliate of an insured depository 
institution or insured credit union. 
(6) FINANCIAL PRODUCT OR SERVICE.—The term 
‘‘financial product or service’’ has the meaning given 
the term in section 1002(15) of the Consumer Finan-
cial Protection Act of 2010 (12 U.S.C. 5481(15)). 
(7) INSURED CREDIT UNION.—The term ‘‘insured 
credit union’’ has the meaning given the term in sec-
tion 101 of the Federal Credit Union Act (12 U.S.C. 
1752). 
(8) INSURED
DEPOSITORY
INSTITUTION.—The 
term ‘‘insured depository institution’’ has the mean-
ing given the term in section 3 of the Federal Deposit 
Insurance Act (12 U.S.C. 1813). 
(9) ONLINE SERVICE.—The term ‘‘online service’’ 
means any Internet-based service, such as a Web site 
or mobile application. 
(10) PERSONAL
IDENTIFICATION
CARD.—The 
term ‘‘personal identification card’’ means an identi-
fication document issued by a State, local govern-
ment, or federally recognized Indian Tribe to an indi-
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vidual solely for the purpose of identification of that 
individual. 
(11) PERSONAL INFORMATION.—The term ‘‘per-
sonal information’’ means the information displayed 
on or electronically encoded on a driver’s license or 
personal identification card that is reasonably nec-
essary to fulfill the purpose and uses permitted by 
subsection (b). 
(12) STATE.—The term ‘‘State’’ means any 
State, commonwealth, territory, or possession of the 
United States, the District of Columbia, the Common-
wealth of Puerto Rico, the Commonwealth of the 
Northern Mariana Islands, American Samoa, Guam, 
or the United States Virgin Islands. 
(13) SCAN.—The term ‘‘scan’’ means the act of 
using a device or software to decipher, in an elec-
tronically readable format, personal information dis-
played on or electronically encoded on a driver’s li-
cense or personal identification card. 
(b) USE OF A DRIVER’S LICENSE OR PERSONAL IDEN-
TIFICATION CARD.— 
(1) IN GENERAL.—When an individual initiates 
a request through an online service to open an ac-
count with a financial institution or obtain a finan-
cial product or service from a financial institution, 
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the financial institution may record personal infor-
mation from a scan of the driver’s license or personal 
identification card of the individual, or make a copy 
or receive an image of the driver’s license or personal 
identification card of the individual, and store or re-
tain such information in any electronic format for the 
purposes described in paragraph (2). 
(2) USES OF INFORMATION.—Except as required 
to comply with Federal bank secrecy laws, a financial 
institution may only use the information obtained 
under paragraph (1)— 
(A) to verify the authenticity of the driver’s 
license or personal identification card; 
(B) to verify the identity of the individual; 
and 
(C) to comply with a legal requirement to 
record, retain, or transmit the personal informa-
tion in connection with opening an account or 
obtaining a financial product or service. 
(3) DELETION OF IMAGE.—A financial institu-
tion that makes a copy or receives an image of a 
driver’s license or personal identification card of an 
individual in accordance with paragraph (1) shall, 
after using the image for the purposes described in 
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Union Calendar No. 388 
115TH CONGRESS 
2D SESSION 
H. R. 1457 
[Report No. 115–523] 
A BILL 
To establish requirements for use of a driver’s li-
cense or personal identification card by certain 
financial institutions for opening an account or 
obtaining a financial product or service, and for 
other purposes. 
JANUARY 22, 2018 
Reported with an amendment, committed to the Com-
mittee of the Whole House on the State of the Union, 
and ordered to be printed 
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