IB 
Union Calendar No. 254 
113TH CONGRESS 
2D SESSION 
H. R. 2571 
[Report No. 113–344] 
To amend the Dodd-Frank Wall Street Reform and Consumer Protection 
Act to require the Bureau of Consumer Financial Protection to notify 
and obtain permission from consumers before collecting nonpublic per-
sonal information about such consumers, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
JUNE 28, 2013 
Mr. DUFFY introduced the following bill; which was referred to the Committee 
on Financial Services 
FEBRUARY 6, 2014 
Additional sponsors: Mr. RENACCI, Mr. HUIZENGA of Michigan, Mr. COTTON, 
Mr. MULVANEY, Mr. WESTMORELAND, Mr. STUTZMAN, and Mr. LATHAM 
FEBRUARY 6, 2014 
Committed to the Committee of the Whole House on the State of the Union 
and ordered to be printed 
VerDate Mar 15 2010 
22:12 Feb 06, 2014
Jkt 039200
PO 00000
Frm 00001
Fmt 6652
Sfmt 6652
E:\BILLS\H2571.RH
H2571
emcdonald on DSK67QTVN1PROD with BILLS
A BILL 
To amend the Dodd-Frank Wall Street Reform and Con-
sumer Protection Act to require the Bureau of Consumer 
Financial Protection to notify and obtain permission 
from consumers before collecting nonpublic personal in-
formation about such consumers, and for other purposes. 
VerDate Mar 15 2010 
22:12 Feb 06, 2014
Jkt 039200
PO 00000
Frm 00002
Fmt 6652
Sfmt 6652
E:\BILLS\H2571.RH
H2571
emcdonald on DSK67QTVN1PROD with BILLS
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 ‘‘Consumer Right to 
Financial Privacy Act of 2013’’. 
SEC. 2. REQUIREMENT OF THE BUREAU OF CONSUMER FI-
NANCIAL PROTECTION TO OBTAIN PERMIS-
SION BEFORE COLLECTING NONPUBLIC PER-
SONAL INFORMATION. 
(a) REQUIRED NOTIFICATION AND PERMISSION.— 
Section 1022(c)(9)(A) of the Dodd-Frank Wall Street Re-
form 
and 
Consumer 
Protection 
Act 
(12 
U.S.C. 
5512(c)(9)(A)) is amended— 
(1) by striking ‘‘may not obtain from a covered 
person or service provider’’ and inserting ‘‘may not 
request, obtain, access, collect, use, retain, or dis-
close’’; 
(2) by striking ‘‘personally identifiable finan-
cial’’ and inserting ‘‘nonpublic personal’’; and 
(3) by striking ‘‘from the financial records’’ and 
all that follows through the period at the end and 
inserting ‘‘unless— 
‘‘(i) the Bureau clearly and conspicu-
ously discloses to the consumer, in writing 
or in an electronic form, what information 
VerDate Mar 15 2010 
22:12 Feb 06, 2014
Jkt 039200
PO 00000
Frm 00003
Fmt 6652
Sfmt 6201
E:\BILLS\H2571.RH
H2571
emcdonald on DSK67QTVN1PROD with BILLS
will be requested, obtained, accessed, col-
lected, used, retained, or disclosed; and 
‘‘(ii) before such information is re-
quested, obtained, accessed, collected, used, 
retained, or disclosed, the consumer in-
forms the Bureau that such information 
may be requested, obtained, accessed, col-
lected, used, retained, or disclosed.’’. 
(b) APPLICATION OF REQUIREMENT TO CONTRAC-
TORS OF THE BUREAU OF CONSUMER FINANCIAL PRO-
TECTION.—Section 1022(c)(9)(B) of such Act (12 U.S.C. 
5512(c)(9)(B)) is amended to read as follows: 
‘‘(B) APPLICATION OF REQUIREMENT TO 
CONTRACTORS OF THE BUREAU OF CONSUMER 
FINANCIAL
PROTECTION.—Subparagraph (A) 
shall apply to any person directed or engaged 
by the Bureau to collect information to the ex-
tent such information is being collected on be-
half of the Bureau.’’. 
(c) DEFINITION OF NONPUBLIC PERSONAL INFOR-
MATION.—Section 1022(c)(9) of such Act (12 U.S.C. 
5512(c)(9)) is amended by adding at the end the fol-
lowing: 
‘‘(C) DEFINITION
OF
NONPUBLIC
PER-
SONAL INFORMATION.—In this paragraph, the 
VerDate Mar 15 2010 
22:12 Feb 06, 2014
Jkt 039200
PO 00000
Frm 00004
Fmt 6652
Sfmt 6201
E:\BILLS\H2571.RH
H2571
emcdonald on DSK67QTVN1PROD with BILLS
term ‘nonpublic personal information’ has the 
meaning given the term in section 509 of the 
Gramm-Leach-Bliley Act (15 U.S.C. 6809).’’. 
SEC. 3. REMOVAL OF EXEMPTION FOR THE BUREAU OF 
CONSUMER FINANCIAL PROTECTION FROM 
THE RIGHT TO FINANCIAL PRIVACY ACT. 
Section 1113 of the Right to Financial Privacy Act 
of 1978 (12 U.S.C. 3413) is amended by striking sub-
section (r). 
VerDate Mar 15 2010 
22:12 Feb 06, 2014
Jkt 039200
PO 00000
Frm 00005
Fmt 6652
Sfmt 6201
E:\BILLS\H2571.RH
H2571
emcdonald on DSK67QTVN1PROD with BILLS
Union Calendar No. 254 
113TH CONGRESS 
2D SESSION 
H. R. 2571 
[Report No. 113–344] 
A BILL 
To amend the Dodd-Frank Wall Street Reform and 
Consumer Protection Act to require the Bureau 
of Consumer Financial Protection to notify and 
obtain permission from consumers before col-
lecting nonpublic personal information about 
such consumers, and for other purposes. 
FEBRUARY 6, 2014 
Committed to the Committee of the Whole House on the 
State of the Union and ordered to be printed 
VerDate Mar 15 2010 
22:12 Feb 06, 2014
Jkt 039200
PO 00000
Frm 00006
Fmt 6651
Sfmt 6651
E:\BILLS\H2571.RH
H2571
emcdonald on DSK67QTVN1PROD with BILLS