I 
113TH CONGRESS 
2D SESSION 
H. R. 4804 
To amend the Consumer Financial Protection Act of 2010 to provide require-
ments that must be followed by the Bureau of Consumer Financial 
Protection when carrying out certain examinations. 
IN THE HOUSE OF REPRESENTATIVES 
JUNE 5, 2014 
Mr. MULVANEY introduced the following bill; which was referred to the 
Committee on Financial Services 
A BILL 
To amend the Consumer Financial Protection Act of 2010 
to provide requirements that must be followed by the 
Bureau of Consumer Financial Protection when carrying 
out certain examinations. 
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 ‘‘Bureau Examination 
Fairness Act’’. 
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SEC. 2. EXAMINATION REQUIREMENTS. 
(a) IN GENERAL.—The Consumer Financial Protec-
tion Act of 2010 is amended by inserting after section 
1026 the following: 
‘‘SEC. 1026A. EXAMINATION REQUIREMENTS. 
‘‘(a) NON-INCLUSION
OF ENFORCEMENT ATTOR-
NEYS.—The Bureau may not include enforcement attor-
neys when performing examinations pursuant to section 
1024, 1025, or 1026. 
‘‘(b) DATA REQUESTS.—In any request for data from 
an entity supervised by the Bureau pursuant to section 
1024, 1025, or 1026, the Bureau shall— 
‘‘(1) ensure that the different divisions of the 
Bureau coordinate with each other before the data 
is requested; 
‘‘(2) accompany each request with a written 
statement of intended use for the data being re-
quested; 
‘‘(3) use peer-reviewed data sampling based on 
limited data sets rather than requesting full data 
sets, unless the Director determines, in writing, that 
requesting full data sets is necessary; and 
‘‘(4) with respect to a data request with respect 
to which the Bureau anticipates the cost of com-
plying with such request will exceed $50,000 per 
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company, provide the entity with the written ap-
proval of the Director for such request. 
‘‘(c) EXAMINATION TIME PERIOD.—When respect to 
an examination conducted by the Bureau, the Bureau 
shall— 
‘‘(1) complete the examination field work and 
conduct an exit interview with the entity being ex-
amined not later than the end of the 60-day period 
beginning on the date the examination begins; and 
‘‘(2) produce a report of examination or super-
visory letter— 
‘‘(A) not later than the end of the 120-day 
period beginning on the date the examination is 
completed; or 
‘‘(B) if the Director authorizes an exten-
sion and provides a written justification for 
such extension, not later than end of the 180- 
day period beginning on the date the examina-
tion is completed. 
‘‘(d) PROHIBITION
ON
CONCURRENT
EXAMINA-
TIONS.—The Bureau may only perform one limited-scope 
examination of an entity at any one time.’’. 
(b) CLERICAL AMENDMENT.—The table of contents 
under section 1 of the Dodd-Frank Wall Street Reform 
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and Consumer Protection Act is amended by inserting 
after the item relating to section 1026 the following: 
‘‘Sec. 1026A. Examination requirements.’’. 
Æ 
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