Federal agency prior to providing such material 
to the Commission. 
‘‘(b) CERTAIN FINANCIAL INSTITUTIONS.—An entity 
described in paragraph (1) of subsection (d) shall, in ac-
cordance with section 5318(g)(3) of title 31, United States 
Code, be exempt from liability for making a voluntary dis-
closure to the Commission of any possible violation of law 
or regulation, including— 
‘‘(1) a disclosure regarding assets, including as-
sets located in foreign jurisdictions— 
‘‘(A) related to possibly fraudulent or de-
ceptive commercial practices; 
‘‘(B) related to persons involved in such 
practices; or 
‘‘(C) otherwise subject to recovery by the 
Commission; or 
‘‘(2) 
a 
disclosure 
regarding 
suspicious 
chargeback rates related to possibly fraudulent or 
deceptive commercial practices. 
‘‘(c) CONSUMER COMPLAINTS.—Any entity described 
in subsection (d) that voluntarily provides consumer com-
plaints sent to it, or information contained therein, to the 
Commission shall not be liable to any person under any 
law or regulation of the United States, or under the con-
stitution, or any law or regulation, of any State, political
subdivision of a State, territory of the United States, or 
the District of Columbia, for such provision of material 
or for any failure to provide notice of such provision of 
material or of intention to so provide material. This sub-
section shall not provide any exemption from liability for 
the underlying conduct. 
‘‘(d) APPLICATION.—This section applies to the fol-
lowing entities, whether foreign or domestic: 
‘‘(1) A financial institution as defined in section 
5312 of title 31, United States Code. 
‘‘(2) To the extent not included in paragraph 
(1) a bank or thrift institution, a commercial bank 
or trust company, an investment company, a credit 
card issuer, an operator of a credit card system, and 
an issuer, redeemer, or cashier of travelers’ checks, 
money orders, or similar instruments. 
‘‘(3) A courier service, a commercial mail re-
ceiving agency, an industry membership organiza-
tion, a payment system provider, a consumer report-
ing agency, a domain name registrar or registry act-
ing as such, and a provider of alternative dispute 
resolution services. 
‘‘(4) An Internet service provider or provider of 
telephone services.’’.
SEC. 9. STAFF EXCHANGES. 
The Federal Trade Commission Act (15 U.S.C. 41 
et seq.) is amended by adding after section 25 the fol-
lowing new section: 
‘‘SEC. 25A. STAFF EXCHANGES. 
‘‘(a) IN GENERAL.—The Commission may— 
‘‘(1) retain or employ officers or employees of 
foreign government agencies on a temporary basis as 
employees of the Commission pursuant to section 2 
of this Act, or section 3101 or section 3109 of title 
5, United States Code; and 
‘‘(2) detail officers or employees of the Commis-
sion to work on a temporary basis for appropriate 
foreign government agencies. 
‘‘(b) RECIPROCITY
AND
REIMBURSEMENT.—The 
staff arrangements described in subsections (a) need not 
be reciprocal. The Commission may accept payment or re-
imbursement, in cash or in kind, from a foreign govern-
ment agency to which this section is applicable, or pay-
ment or reimbursement made on behalf of such agency, 
for expenses incurred by the Commission, its members, 
and employees in carrying out such arrangements. 
‘‘(c) STANDARDS OF CONDUCT.—A person appointed 
under subsection (a)(1) shall be subject to the provisions 
of law relating to ethics, conflicts of interest, corruption, 
and any other criminal or civil statute or regulation gov-
erning the standards of conduct for Federal employees 
that are applicable to the type of appointment.’’. 
SEC. 10. INFORMATION SHARING WITH FINANCIAL REGU-
LATORS. 
Section 1112(e) of the Right to Financial Privacy Act 
(12 U.S.C. 3412(e)) is amended by inserting ‘‘the Federal 
Trade Commission,’’ after ‘‘the Securities and Exchange 
Commission,’’. 
SEC. 11. PRESERVATION OF EXISTING AUTHORITY. 
The authority provided by this Act, and by the Fed-
eral Trade Commission Act (15 U.S.C. 41 et seq.) and 
the Right to Financial Privacy Act (12 U.S.C. 3401 et 
seq.), as such Acts are amended by this Act, is in addition 
to, and not in lieu of, any other authority vested in the 
Federal Trade Commission or any other officer of the 
United States. 
SEC. 12. REPORT. 
Not later than 3 years after the date of enactment 
of this Act, the Federal Trade Commission shall transmit 
to Congress a report describing its use of and experience 
with the authority granted by this Act, along with any rec-
ommendations for additional legislation. The report shall 
include— 
(1) the number of cross-border complaints re-
ceived by the Commission;