SECTION 1. SHORT TITLE; TABLE OF CONTENTS. 
(a) SHORT TITLE.—This Act may be cited as the 
‘‘Consumers First Act’’. 
(b) TABLE OF CONTENTS.—The table of contents for 
this Act is as follows: 
Sec. 1. Short title; table of contents. 
Sec. 2. Findings; sense of Congress. 
Sec. 3. Consumer Financial Protection Bureau. 
Sec. 4. Conforming amendments. 
Sec. 5. Executive and administration powers. 
Sec. 6. Offices of the Consumer Financial Protection Bureau. 
Sec. 7. Consumer Advisory Board reforms. 
Sec. 8. Discretionary surplus funds. 
Sec. 9. Modification of the exemption from certain disclosure requirements. 
Sec. 10. Limitation on providing exemptions from HMDA reporting require-
ments. 
Sec. 11. Limitation on modifying HMDA data fields. 
Sec. 12. Maintaining the HMDA Explorer tool and the Public Data Platform 
API. 
Sec. 13. Report on fair lending investigations and enforcement actions. 
Sec. 14. Debt collection. 
Sec. 15. Credit scores included in free annual disclosures. 
Sec. 16. Report on senior consumers. 
Sec. 17. Report on payday loan and car-title loan investigations and enforce-
ment actions. 
Sec. 18. Effective date. 
SEC. 2. FINDINGS; SENSE OF CONGRESS. 
(a) FINDINGS.—The Congress finds the following: 
(1) The Dodd-Frank Wall Street Reform and 
Consumer Protection Act (Public Law 111–203) 
(‘‘Dodd-Frank’’), was signed into law on July 21, 
2010, in order to, among other things, advance the 
goals of protecting consumers from predatory finan-
cial services practices and products that led to the 
2007–2009 financial crisis. 
(2) Title X of Dodd-Frank established a new 
Federal independent watchdog, known as the Con-
sumer Financial Protection Bureau (‘‘Consumer Bu-
reau’’), with broad authority to ensure that all hard-
working consumers are given clear, accurate infor-
mation that they need to shop for mortgages, credit 
cards, and other consumer financial products or 
services and to protect consumers from hidden fees, 
abusive terms, and other unfair, deceptive, or abu-
sive acts or practices through strong implementation 
and enforcement of Federal consumer financial laws. 
(3) Before the Consumer Bureau was estab-
lished, Federal financial regulators were tasked with 
the dual responsibilities of supervising institutions 
for safety and soundness and compliance with con-
sumer protections under Federal consumer financial 
laws. These agencies often prioritized the profit-
ability of their regulated entities over the protection 
of consumers, even when institutions were found to 
have engaged in practices detrimental to their own 
customers’ financial well-being. 
(4) Congress purposefully created the inde-
pendent Consumer Bureau within the Federal Re-
serve System to address past regulatory gaps in our 
country’s financial regulatory regime—gaps that re-
sulted in the most severe global financial crisis since 
the Great Depression. Among other things, Federal
financial regulators were too reluctant to exercise 
their rulemaking, supervisory, and enforcement au-
thorities to protect consumers from the misdeeds of 
the Consumer Bureau’s regulated entities. In cre-
ating the Consumer Bureau, Congress explicitly laid 
out in statute the Consumer Bureau’s purpose, five 
objectives, and six primary functions. Specifically: 
(A) Section 1021(a) of Dodd-Frank states 
that the Consumer Bureau, ‘‘shall seek to im-
plement and, where applicable, enforce Federal 
consumer financial law consistently for the pur-
pose of ensuring that all consumers have access 
to markets for consumer financial products and 
services and that markets for consumer finan-
cial products and services are fair, transparent, 
and competitive’’. 
(B) Section 1021(b) of Dodd-Frank au-
thorizes the Consumer Bureau, ‘‘to exercise its 
authorities under Federal consumer financial 
law for the purposes of ensuring that, with re-
spect to consumer financial products and serv-
ices—(1) consumers are provided with timely 
and understandable information to make re-
sponsible decisions about financial transactions; 
(2) consumers are protected from unfair, decep-
tive, or abusive acts and practices and from dis-
crimination; (3) outdated, unnecessary, or un-
duly burdensome regulations are regularly iden-
tified and addressed in order to reduce unwar-
ranted regulatory burdens; (4) Federal con-
sumer financial law is enforced consistently, 
without regard to the status of a person as a 
depository institution, in order to promote fair 
competition; and (5) markets for consumer fi-
nancial products and services operate trans-
parently and efficiently to facilitate access and 
innovation.’’. 
(C) Section 1021(c) of Dodd-Frank estab-
lishes the primary functions of the Consumer 
Bureau to be, ‘‘(1) conducting financial edu-
cation programs; (2) collecting, investigating, 
and responding to consumer complaints; (3) col-
lecting, researching, monitoring, and publishing 
information relevant to the functioning of mar-
kets for consumer financial products and serv-
ices to identify risks to consumers and the 
proper functioning of such markets; (4) subject 
to sections 1024 through 1026, supervising cov-
ered persons for compliance with Federal con-
sumer financial law, and taking appropriate en-
forcement action to address violations of Fed-
eral consumer financial law; (5) issuing rules, 
orders, and guidance implementing Federal con-
sumer financial law; and (6) performing such 
support activities as may be necessary or useful 
to facilitate the other functions of the Bu-
reau.’’. 
(5) In doing so, Congress explicitly laid out 
these consumer-focused purpose, objectives, and pri-
mary functions for the Consumer Bureau to ensure 
that all consumers and all communities are pro-
tected. This is of extreme importance to commu-
nities of color who have been disproportionately im-
pacted by the inequities of the financial system, re-
sulting in an extreme racial wealth divide. Decades 
of segregation and discrimination have prevented 
consumers of colors from amassing wealth equal to 
their white counterparts, while predatory financial 
practices of have stripped consumers of color of their 
nominal existing wealth. For example, over the past 
30 years, the average wealth of White families has 
grown by 84 percent—1.2 times the rate of growth 
for the Latino population and 3 times the rate of 
growth for the Black population. In light of histor-
ical practices and current-day disparities in banking
and lending practices, the Consumer Bureau plays a 
key role in protecting communities of color from 
wealth-stripping financial products and ensuring 
their right to wealth building opportunities. The 
agency’s enforcement actions in auto lending, mort-
gages, and credit cards, and its rulemaking efforts 
have sought to address the predatory financial prod-
ucts such as payday loans and prepaid cards that 
are prolific in communities of color. The Consumer 
Bureau is essential in protecting vulnerable commu-
nities from discriminatory financial practices that 
has both perpetuated and exacerbated the racial 
wealth gap. 
(6) Under Dodd-Frank, the Deputy Director of 
the Consumer Bureau shall serve as the Acting Di-
rector in the absence or unavailability of the Direc-
tor, until the President appoints and the Senate con-
firms a new Director. Despite the plain letter of the 
law establishing a succession order to fill a vacancy 
in the Director’s position and the clear legislative 
history underscoring the importance of having an 
independent Federal consumer-focused agency, when 
the Consumer Bureau Director Richard Cordray re-
signed in November 2017, President Trump refused 
to recognize the Deputy Director as the rightful
(E) taking steps that would undermine ef-
forts to promote fair lending and combat dis-
criminatory practices, including by hiring, and 
later refusing to remove, a political appointee 
with a history of racist written commentary to 
oversee the Office of Supervision, Enforcement, 
and Fair Lending, stripping away the enforce-
ment powers of the Office of Fair Lending and 
Equal Opportunity, seeking to curb the Con-
sumer Bureau’s data collection under the Home 
Mortgage Disclosure Act, and indicating the 
Consumer Bureau would reconsider its ap-
proach toward enforcing the Equal Credit Op-
portunity Act; 
(F) changing the role of the Office of Stu-
dents and Young Consumers and, according to 
an August 27, 2018, resignation letter from 
Seth Frotman, the Consumer Bureau’s former 
Assistant Director and Student Loan Ombuds-
man, ‘‘when new evidence came to light showing 
that the nation’s largest banks were ripping off 
students on campuses across the country by 
saddling them with legally dubious account fees, 
Bureau leadership suppressed the publication of 
a report prepared by Bureau staff’’;
(G) abandoning the accepted and efficient 
practice of having its examiners review, as part 
of their routine examinations, creditors’ compli-
ance with the Military Lending Act in order to 
ensure the detection and assessment of risky 
activities that could jeopardize vital protections 
provided to active-duty servicemembers and 
their families; 
(H) creating an Office of Cost Benefit 
Analysis that prioritizes businesses’ expenses 
over harm caused to consumers, and unduly 
constrains oversight of the Consumer Bureau’s 
regulated entities; 
(I) freezing data collection to the detriment 
of supervision and enforcement; 
(J) seeking to block the publication of the 
nature of consumers’ complaints and how enti-
ties resolved them in the publicly available and 
transparent Consumer Complaint Database; 
(K) restricting key input and feedback 
from a wide range of external stakeholders by 
effectively terminating members’ positions on 
three advisory boards, including the statutorily 
mandated Consumer Advisory Board;
(L) proposing policies, including those re-
garding no-action letters, model disclosure pilot 
projects, and product sandboxes, that could put 
many kinds of financial institutions in an en-
forcement-free zone, letting bad actors that 
harm consumers off the hook entirely from en-
forcement, and allowing them to ignore the law; 
and 
(M) neglecting to impose promptly any 
civil money penalty on a bank when it was 
found to be, among other things, improperly ob-
taining consumer reports and furnishing to con-
sumer reporting agencies inaccurate informa-
tion about consumers’ credit. 
(10) The repeated efforts under Mr. Mulvaney’s 
leadership to hamstring the good work, passion, 
commitment, and the capacity of dedicated profes-
sional, career Consumer Bureau staff to fulfill the 
agency’s statutory mission has likely contributed to 
low employee morale. According to a government- 
wide annual survey published in December 2018 
that was conducted by the nonprofit, nonpartisan 
Partnership for Public Service, the Consumer Bu-
reau experienced the largest decline in employee mo-
rale for a government agency of its size. A workplace
with low morale undermines, among other things, 
the agency’s ability to hold bad actors accountable 
when they harm consumers, and if unaddressed, will 
distort the functioning of fair and competitive con-
sumer marketplaces. 
(11) Despite the fact that the agency has been 
referred to as the Consumer Financial Protection 
Bureau since it was created in 2010, Mr. Mulvaney 
opted to change the agency’s well-known name. Al-
though this decision is supposedly intended to ensure 
that the agency is in compliance with Dodd-Frank, 
when this change is viewed in conjunction with the 
other detrimental actions to undermine the effective-
ness of the agency, it can only be interpreted as an 
attempt to reduce the public’s awareness of, and sig-
nificant support for, the agency’s role as the top 
Federal consumer cop as well as to obscure the 
public’s ability to easily identify the appropriate 
Federal agency to contact when faced with predatory 
behavior by financial actors. As such, while some 
may view this particular decision as minor, the ac-
tion served as an important symbolic and literal ma-
neuver by the Trump Administration, through its 
appointment of Mr. Mulvaney, to diminish and un-
dermine the consumer-focused mission of the Con-
sumer Bureau. Director Kathy Kraninger, who was 
duly nominated by the President and confirmed by 
the Senate, announced plans in an email to staff on 
December 19, 2018, to reverse course and return to 
utilizing the agency’s well-known name. However, 
questions remain regarding how this change will be 
implemented and to what extent the agency may 
continue to utilize Mr. Mulvaney’s preferred name in 
certain circumstances. 
(12) During Mr. Mulvaney’s more than 12- 
month tenure running the agency, he only appeared 
once before the House Financial Services Committee 
to discuss his activities at the Consumer Bureau. 
This is despite the fact that the law requires, at a 
minimum, the Director’s testimony before the Com-
mittee semi-annually. This weak congressional over-
sight under the direction of the previous Republican 
Majority pales in comparison to their oversight of 
the Consumer Bureau during former Director Rich-
ard Cordray’s tenure. During Director Cordray’s 
tenure, he and other senior Consumer Bureau offi-
cials testified before Congress more than 60 times; 
the agency was compelled to produce more than 
200,000 pages of documents in response to over 90 
letters of inquiry; more than 20 subpoenas were sent
to the Consumer Bureau; and several of the Con-
sumer Bureau’s former and current employees were 
compelled to sit for depositions over 21 days, that 
lasted 136 hours, and produced 3,194 pages of tran-
scripts. 
(13) Dodd-Frank gives the Director of the Con-
sumer Bureau broad administrative and executive 
powers to, among other things: fix the number of, 
and appoint and direct, all employees of the agency; 
direct the establishment and maintenance of divi-
sions or other offices within the agency; determine 
the character of, and the necessity for, the obliga-
tions and expenditure of funds; and the use and ex-
penditure of funds. These powers, however, are re-
quired to be exercised in a manner consistent with 
carrying out the responsibilities under Title X of 
Dodd-Frank, which includes complying with the enu-
merated Federal consumer financial laws under the 
Title, and satisfying the obligations in other applica-
ble laws. Mr. Mulvaney’s destructive actions have 
demonstrated the need for legislation to reorient the 
Director’s discretionary authority to ensure the 
maintenance of all statutorily mandated policies, 
functions, and offices of the Consumer Bureau re-
gardless of who is leading the agency.
(b) SENSE OF CONGRESS.—The following is the sense 
of Congress: 
(1) The Consumer Financial Protection Bureau 
should meet its statutory purpose in a transparent 
and accountable manner by operating in a way that 
is consistent with both the spirit and plain letter of 
the law. This includes the agency fully carrying out 
the agency’s statutory purpose, objectives, and func-
tions, and the agency being transparent, timely, and 
responsive to all requests from Congress. 
(2) Dodd-Frank underscores that the agency is 
designed to serve as an independent Federal agency 
that is primarily focused on the protection of all con-
sumers, without any undue influence of partisan 
whims and special industry interests, in carrying out 
its responsibilities and duties. 
(3) The official name of the agency should be 
consistent with this mandate, and the agency should, 
figuratively and literally, put ‘‘Consumers’’ first by 
using its better-known name as the ‘‘Consumer Fi-
nancial Protection Bureau’’. Thus, any remaining 
utilization by the agency of the name, ‘‘Bureau of 
Consumer Financial Protection’’, or the acronym 
‘‘BCFP’’, should cease in all forms.
(4) The statute establishing the Consumer Bu-
reau has been grossly misinterpreted under Mr. 
Mulvaney’s leadership, in a manner that is incon-
sistent with the agency’s statutory purpose, objec-
tives, and functions. One example of this was Mr. 
Mulvaney’s inane suggestion that the statutory re-
quirement for the Director to appear before relevant 
Congressional Committees to discuss its semi-annual 
reports could be interpreted as requiring the Direc-
tor merely to attend a hearing and not answer ques-
tions, despite the well-established interpretation of a 
similar statutory requirement for the Chair of the 
Federal Reserve Board of Governors to appear be-
fore the House Financial Services Committee and 
the Senate Banking, Housing, and Urban Affairs 
Committee on a semi-annual basis about the mone-
tary policy report, as required by the Humphrey- 
Hawkins Full Employment Act. In the face of such 
blatant and disrespectful attempts to warp the au-
thorizing and oversight role of the first branch of 
the Federal Government—the United States Con-
gress—by the Trump Administration, Congress 
must, in this instance, now refine the Consumer Bu-
reau’s authority to ensure that the vital role that the 
Consumer Bureau should be playing within the
country’s financial regulatory regime is not effec-
tively destroyed by the agency’s current leadership. 
(5) The Consumer Bureau, now under a new 
Director, should promptly reverse all anti-consumer 
actions taken during Mr. Mulvaney’s tenure, includ-
ing the actions identified by this legislation, to en-
sure that the agency is fully complying with its stat-
utory purpose, objectives, and functions to protect 
all consumers, including communities of color and 
vulnerable populations. One important action is for 
the Consumer Bureau to resume robust fair lending 
enforcement to ensure that every consumer has fair 
and equal access to affordable financial products and 
services. Another demonstration of this would be for 
the Consumer Bureau to immediately resume super-
vision of its regulated entities for compliance with 
the Military Lending Act to ensure for the most ro-
bust 
and 
efficient 
protection 
of 
active-duty 
servicemembers and their families. Other examples 
include the Consumer Bureau significantly revising 
its strategic plan to align it with its statutory pur-
pose, objectives and functions, and for the agency to 
immediately resume coordinating closely with other 
Federal agencies, such as the Department of Edu-
cation and the Department of Defense, and State
regulators, as is required by section 1015 of Dodd- 
Frank to, ‘‘promote consistent regulatory treatment 
of consumer financial and investment products and 
services.’’. 
(6) While the legislation is a direct response to 
address many of the misguided decisions that have 
been orchestrated under Mr. Mulvaney’s leadership 
at the Consumer Bureau that have been exposed to 
the public, as of the date of the bill’s introduction, 
and sharply criticized by numerous Federal and 
State officials, including law enforcement, as well as 
organizations representing servicemembers, senior 
citizens, and other vulnerable consumer populations, 
this legislation should not be viewed as an exhaus-
tive list to fix all the damaging actions that may 
have occurred at this agency since the departure of 
former Director Cordray in November 2017, particu-
larly since detailed information revealing the full 
scope, nature, and extent of the current flawed oper-
ation of the agency, and the adverse impact result-
ing from these actions, may not yet be publicly avail-
able. Rather, this legislation should be interpreted as 
an attempt to highlight and resolve a small sample 
of the publicly known egregious statements, deci-
sions, and actions that have occurred since Novem-
ber 2017. 
SEC. 3. CONSUMER FINANCIAL PROTECTION BUREAU. 
(a) IN GENERAL.—Section 1011(a) of the Consumer 
Financial Protection Act of 2010 (12 U.S.C. 5491(a)) is 
amended by striking ‘‘Bureau of Consumer Financial Pro-
tection’’ and inserting ‘‘Consumer Financial Protection 
Bureau’’. 
(b) DEEMING OF NAME.—Any reference in any law, 
regulation, document, record, or other paper of the United 
States to the ‘‘Bureau of Consumer Financial Protection’’ 
shall be deemed a reference to the ‘‘Consumer Financial 
Protection Bureau’’. 
(c) NAME USE REQUIREMENT.—Section 1011 of the 
Consumer Financial Protection Act of 2010 (12 U.S.C. 
5491) is amended by adding at the end the following: 
‘‘(f) NAME USE REQUIREMENT.—The Consumer Fi-
nancial Protection Bureau shall refer to itself in any pub-
lic communication, including on any website, as the ‘Con-
sumer Financial Protection Bureau’ or the ‘CFPB’.’’. 
SEC. 4. CONFORMING AMENDMENTS. 
(a) IN GENERAL.—The Acts and provisions described 
under subsection (b) are amended by striking ‘‘Bureau of 
Consumer Financial Protection’’ each place such term ap-
pears (including in headings and items in table of con-
tents) and inserting ‘‘Consumer Financial Protection Bu-
reau’’. 
(b) ACTS TO CONFORM.—The Acts and provisions 
described in this subsection are as follows: 
(1) The Alternative Mortgage Transaction Par-
ity Act of 1982 (12 U.S.C. 3801 et seq.). 
(2) The Consumer Credit Protection Act (15 
U.S.C. 1601 et seq.). 
(3) The Dodd-Frank Wall Street Reform and 
Consumer Protection Act (12 U.S.C. 5301 et seq.). 
(4) The Expedited Funds Availability Act (12 
U.S.C. 4001 et seq.). 
(5) The Federal Deposit Insurance Act (12 
U.S.C. 1811 et seq.). 
(6) The Federal Financial Institutions Exam-
ination Council Act of 1978 (12 U.S.C. 3201 et 
seq.). 
(7) The Financial Institutions Reform, Recov-
ery, and Enforcement Act of 1989 (12 U.S.C. 1811 
note et seq.). 
(8) The Financial Literacy and Education Im-
provement Act (20 U.S.C. 9701 et seq.). 
(9) Section 626 of the Financial Services and 
General Government Appropriations Act, 2009 (divi-
sion D of Public Law 111–8; 12 U.S.C. 5538).
(22) Sections 3502(5) and 3513(c) of title 44, 
United States Code. 
SEC. 5. EXECUTIVE AND ADMINISTRATION POWERS. 
(a) OFFICE RESPONSIBILITIES.—Section 1012 of the 
Consumer Financial Protection Act of 2010 (12 U.S.C. 
5492) is amended— 
(1) by redesignating subsection (c) as sub-
section (d); and 
(2) by inserting after subsection (b) the fol-
lowing: 
‘‘(c) OFFICE RESPONSIBILITIES.—Notwithstanding 
subsections (a) and (b), section 1013(a), and any other 
provision of law, with respect to the specific functional 
units and offices described under subsections (b), (c), (d), 
(e), (g), and (h) of section 1013 and the advisory boards 
described under section 1014, the Director— 
‘‘(1) shall ensure that such functional units, of-
fices, and boards perform the functions, duties, and 
coordination assigned to them under the applicable 
provision of section 1013 or 1014; and 
‘‘(2) may not reorganize or rename such units, 
offices, and boards in a manner not provided for 
under the applicable provision of section 1013 or 
1014.’’.
(b) DUTY TO PROVIDE ADEQUATE STAFFING.—Sec-
tion 1013(a)(1) of the Consumer Financial Protection Act 
of 2010 (12 U.S.C. 5493(a)(1)) is amended by adding at 
the end the following: 
‘‘(D) 
DUTY
TO
PROVIDE
ADEQUATE 
STAFFING.—The Director shall ensure that the 
specific functional units and offices established 
under section 1013, as well as other units and 
offices with supervisory and enforcement duties, 
are provided with sufficient staff to carry out 
the functions, duties, and coordination of those 
units and offices.’’. 
(c) LIMITATION ON POLITICAL APPOINTEES.—Sec-
tion 1013(a)(1) of the Consumer Financial Protection Act 
of 2010 (12 U.S.C. 5493(a)(1)) is amended by adding at 
the end the following: 
‘‘(E) 
LIMITATION
ON
POLITICAL
AP-
POINTEES.— 
‘‘(i) IN GENERAL.—In appointing em-
ployees of the Bureau who are political ap-
pointees, the Director shall ensure that the 
number and duties of such political ap-
pointees are as similar as possible to those 
of the other Federal primary financial reg-
ulatory agencies.
‘‘(ii) 
POLITICAL
APPOINTEES
DE-
FINED.—For purposes of this subpara-
graph, the term ‘political appointee’ means 
an employee who holds— 
‘‘(I) a position which has been 
excepted from the competitive service 
by reason of its confidential, policy-de-
termining, policy-making, or policy-ad-
vocating character; 
‘‘(II) a position in the Senior Ex-
ecutive Service as a noncareer ap-
pointee (as such term is defined in 
section 3132(a) of title 5, United 
States Code); or 
‘‘(III) a position under the Exec-
utive Schedule (subchapter II of chap-
ter 53 of title 5, United States 
Code).’’. 
(d) PUBLIC AVAILABILITY OF COMPLAINT INFORMA-
TION.— 
(1) IN GENERAL.—Section 1013(b)(3) of the 
Consumer Financial Protection Act of 2010 (12 
U.S.C. 5493(b)(3)) is amended— 
(A) in subparagraph (A)—
(i) by inserting ‘‘publicly available’’ 
before ‘‘website’’; 
(ii) by inserting ‘‘publicly available’’ 
before ‘‘database’’, each place such term 
appears; and 
(iii) by adding at the end the fol-
lowing: ‘‘The Director shall ensure that the 
landing page of the main website of the 
Bureau contains a clear and conspicuous 
hyperlink to the consumer complaint data-
base described in this subparagraph and 
shall ensure that such database is user- 
friendly and in plain writing (as such term 
is defined in the Plain Writing Act of 
2010). The Director shall ensure that all 
information on the website or the database 
that explains how to file a complaint with 
the Bureau, as well as all reports of the 
Bureau with respect to information con-
tained in the database, shall be provided in 
each of the five most commonly spoken 
languages, other than English, in the 
United States, as determined by the Bu-
reau of the Census on an ongoing basis,
and in formats accessible to individuals 
with hearing or vision impairments.’’; and 
(B) by adding at the end the following: 
‘‘(E) PUBLIC AVAILABILITY OF INFORMA-
TION.— 
‘‘(i) 
IN
GENERAL.—The 
Director 
shall— 
‘‘(I) make all consumer com-
plaints available to the public on a 
website of the Bureau; 
‘‘(II) place a clear and con-
spicuous hyperlink on the landing 
page of the main website of the Bu-
reau to the website described under 
subclause (I); and 
‘‘(III) ensure that such website— 
‘‘(aa) is searchable and sort-
able by both consumer financial 
product or service and by covered 
person; and 
‘‘(bb) is user-friendly and 
written in plain language. 
‘‘(ii) INCLUSION OF COMPLAINTS SUB-
MITTED
WITH
INQUIRIES.—For purposes 
of clause (i), in addition to all complaints
described under subparagraph (A), con-
sumer complaints shall include any com-
plaints submitted with, or as part of, an 
inquiry described under section 1034. 
‘‘(iii) 
REMOVAL
OF
PERSONALLY 
IDENTIFIABLE INFORMATION.—In making 
the information described under clause (i) 
available to the public, the Director shall 
remove all personally identifiable informa-
tion.’’. 
(2) RULE OF CONSTRUCTION.— 
(A) IN
GENERAL.—The Director of the 
Consumer Financial Protection Bureau shall 
ensure— 
(i) that the database and website de-
scribed under section 1013(b)(3) of the 
Consumer Financial Protection Act of 
2010 have, at a minimum, the same avail-
ability, transparency, and functionality 
that such database and website had prior 
to November 24, 2017; and 
(ii) that consumers are able, at a min-
imum, to submit complaints to the Bureau 
with respect to—