In this task, you are given text for US Congressional and California state bills, your task is to generate a summary for this bill.

Example Input: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Northwest Straits Marine 
Conservation Initiative Reauthorization Act of 2009''.

SEC. 2. REAUTHORIZATION OF NORTHWEST STRAITS MARINE CONSERVATION 
              INITIATIVE ACT.

    The Northwest Straits Marine Conservation Initiative Act (title IV 
of Public Law 105-384; 112 Stat. 3458) is amended--
            (1) in section 402, by striking ``(in this title referred 
        to as the `Commission')'';
            (2) by striking sections 403 and 404;
            (3) by redesignating section 405 as section 410; and
            (4) by inserting after section 402 the following new 
        sections:

``SEC. 403. FINDINGS.

    ``Congress makes the following findings:
            ``(1) The marine waters and ecosystem of the Northwest 
        Straits in Puget Sound in the State of Washington represent a 
        unique resource of enormous environmental and economic value to 
        the people of the United States.
            ``(2) During the 20th century, the environmental health of 
        the Northwest Straits declined dramatically as indicated by 
        impaired water quality, declines in marine wildlife, collapse 
        of harvestable marine species, loss of critical marine 
        habitats, ocean acidification, and sea level rise.
            ``(3) At the start of the 21st century, the Northwest 
        Straits have been threatened by sea level rise, ocean 
        acidification, and other effects of climate change.
            ``(4) In 1998, the Northwest Straits Marine Conservation 
        Initiative Act (title IV of Public Law 105-384) was enacted to 
        tap the unprecedented level of citizen stewardship demonstrated 
        in the Northwest Straits and create a mechanism to mobilize 
        public support and raise capacity for local efforts to protect 
        and restore the ecosystem of the Northwest Straits.
            ``(5) The Northwest Straits Marine Conservation Initiative 
        helps the National Oceanic and Atmospheric Administration and 
        other Federal agencies with their marine missions by fostering 
        local interest in marine issues and involving diverse groups of 
        citizens.
            ``(6) The Northwest Straits Marine Conservation Initiative 
        shares many of the same goals with the National Oceanic and 
        Atmospheric Administration, including fostering citizen 
        stewardship of marine resources, general ecosystem management, 
        and protecting federally managed marine species.
            ``(7) Ocean literacy and identification and removal of 
        marine debris projects are examples of on-going partnerships 
        between the Northwest Straits Marine Conservation Initiative 
        and the National Oceanic and Atmospheric Administration.

``SEC. 404. DEFINITIONS.

    ``In this title:
            ``(1) Commission.--The term `Commission' means the 
        Northwest Straits Advisory Commission established by section 
        402.
            ``(2) Indian tribe.--The term `Indian tribe' has the 
        meaning given that term in section 4 of the Indian Self-
        Determination and Education Assistance Act (25 U.S.C. 450b).
            ``(3) Northwest straits.--The term `Northwest Straits' 
        means the marine waters of the Strait of Juan de Fuca and of 
        Puget Sound from the Canadian border to the south end of 
        Snohomish County.

``SEC. 405. MEMBERSHIP OF THE COMMISSION.

    ``(a) Composition.--The Commission shall be composed of up to 14 
members who shall be appointed as follows:
            ``(1) One member appointed by a consensus of the members of 
        a marine resources committee established under section 408 for 
        each of the following counties of the State of Washington:
                    ``(A) San Juan County.
                    ``(B) Island County.
                    ``(C) Skagit County.
                    ``(D) Whatcom County.
                    ``(E) Snohomish County.
                    ``(F) Clallam County.
                    ``(G) Jefferson County.
            ``(2) Two members appointed by the Secretary of the 
        Interior in trust capacity and in consultation with the 
        Northwest Indian Fisheries Commission or the Indian tribes 
        affected by this title collectively, as the Secretary of the 
        Interior considers appropriate, to represent the interests of 
        such tribes.
            ``(3) One member appointed by the Governor of the State of 
        Washington to represent the interests of the Puget Sound 
        Partnership.
            ``(4) Four members appointed by the Governor of the State 
        of Washington who--
                    ``(A) are residents of the State of Washington; and
                    ``(B) are not employed by a Federal, State, or 
                local government.
    ``(b) Vacancies.--A vacancy in the Commission shall be filled in 
the manner in which the original appointment was made.
    ``(c) Chairperson.--The Commission shall select a Chairperson from 
among its members.
    ``(d) Meeting.--The Commission shall meet at the call of the 
Chairperson, but not less frequently than quarterly.
    ``(e) Liaison.--
            ``(1) In general.--The Secretary of Commerce, acting 
        through the Under Secretary for Oceans and Atmosphere and in 
        consultation with the Director of the Commission appointed 
        under section 407(a), shall appoint an employee of the National 
        Oceanic and Atmospheric Administration--
                    ``(A) to serve as a liaison between the Commission 
                and the Department of Commerce; and
                    ``(B) to attend meetings and other events of the 
                Commission as a nonvoting participant.
            ``(2) Limitation.--Service of an employee as an appointee 
        under paragraph (1)--
                    ``(A) shall be limited to service as a liaison and 
                attendance of meetings and other events as a nonvoting 
                participant; and
                    ``(B) does not obligate the employee to perform any 
                duty of the Commission under section 406(b).

``SEC. 406. GOAL AND DUTIES OF THE COMMISSION.

    ``(a) Goal.--The goal of the Commission is to protect and restore 
the marine waters, habitats, and species of the Northwest Straits 
region to achieve ecosystem health and sustainable resource use by--
            ``(1) designing and initiating projects that are driven by 
        sound science, local priorities, community-based decisions, and 
        the ability to measure results;
            ``(2) building awareness and stewardship and making 
        recommendations to improve the health of the Northwest Straits 
        marine resources;
            ``(3) maintaining and expanding diverse membership and 
        partner organizations;
            ``(4) expanding partnerships with governments of Indian 
        tribes affected by this title and continuing to foster respect 
        for tribal cultures and treaties; and
            ``(5) recognizing the importance of economic and social 
        benefits that are dependent on marine environments and 
        sustainable marine resources.
    ``(b) Duties.--The duties of the Commission are the following:
            ``(1) To provide resources and technical support for marine 
        resources committees established under section 408.
            ``(2) To work with such marine resources committees and 
        appropriate entities of Federal and State governments and 
        Indian tribes affected by this title to develop programs to 
        monitor the overall health of the marine ecosystem of the 
        Northwest Straits.
            ``(3) To identify factors adversely affecting or preventing 
        the restoration of the health of the marine ecosystem and 
        coastal economies of the Northwest Straits.
            ``(4) To develop scientifically sound restoration and 
        protection recommendations, informed by local priorities, that 
        address such factors.
            ``(5) To assist in facilitating the successful 
        implementation of such recommendations by developing broad 
        support among appropriate authorities, stakeholder groups, and 
        local communities.
            ``(6) To develop regional projects based on such 
        recommendations to protect and restore the Northwest Straits 
        ecosystem.
            ``(7) To serve as a public forum for the discussion of 
        policies and actions of Federal, State, or local government, an 
        Indian tribe affected by this title, or the Government of 
        Canada with respect to the marine ecosystem of the Northwest 
        Straits.
            ``(8) To inform appropriate authorities and local 
        communities about the marine ecosystem of the Northwest Straits 
        and about issues relating to the marine ecosystem of the 
        Northwest Straits.
            ``(9) To consult with all Indian tribes affected by this 
        title to ensure that the work of the Commission does not 
        violate tribal treaty rights.
    ``(c) Benchmarks.--The Commission shall carry out its duties in a 
manner that promotes the achieving of the benchmarks described in 
subsection (f)(2).
    ``(d) Coordination and Collaboration.--The Commission shall carry 
out the duties described in subsection (b) in coordination and 
collaboration, when appropriate, with Federal, State, and local 
governments and Indian tribes affected by this title.
    ``(e) Regulatory Authority.--The Commission shall have no power to 
issue regulations.
    ``(f) Annual Report.--
            ``(1) In general.--Each year, the Commission shall prepare, 
        submit to the Committee on Commerce, Science, and 
        Transportation of the Senate, the Committee on Natural 
        Resources of the House of Representatives, and the Under 
        Secretary for Oceans and Atmosphere, and make available to the 
        public an annual report describing--
                    ``(A) the activities carried out by the Commission 
                during the preceding year; and
                    ``(B) the progress of the Commission in achieving 
                the benchmarks described in paragraph (2).
            ``(2) Benchmarks.--The benchmarks described in this 
        paragraph are the following:
                    ``(A) Protection and restoration of marine, 
                coastal, and nearshore habitats.
                    ``(B) Prevention of loss and achievement of a net 
                gain of healthy habitat areas.
                    ``(C) Protection and restoration of marine 
                populations to healthy, sustainable levels.
                    ``(D) Protection of the marine water quality of the 
                Northwest Straits region and restoration of the health 
                of marine waters.
                    ``(E) Collection of high-quality data and promotion 
                of the use and dissemination of such data.
                    ``(F) Promotion of stewardship and understanding of 
                Northwest Straits marine resources through education 
                and outreach.

``SEC. 407. COMMISSION PERSONNEL AND ADMINISTRATIVE MATTERS.

    ``(a) Director.--The Manager of the Shorelands and Environmental 
Assistance Program of the Department of Ecology of the State of 
Washington may, upon the recommendation of the Commission and the 
Director of the Padilla Bay National Estuarine Research Reserve, 
appoint and terminate a Director of the Commission. The employment of 
the Director shall be subject to confirmation by the Commission.
    ``(b) Staff.--The Director may hire such other personnel as may be 
appropriate to enable the Commission to perform its duties. Such 
personnel shall be hired through the personnel system of the Department 
of Ecology of the State of Washington.
    ``(c) Administrative Services.--If the Governor of the State of 
Washington makes available to the Commission the administrative 
services of the State of Washington Department of Ecology, the 
Commission shall use such services for employment, procurement, grant 
and fiscal management, and support services necessary to carry out the 
duties of the Commission.

``SEC. 408. MARINE RESOURCES COMMITTEES.

    ``(a) In General.--The government of each of the counties referred 
to in subparagraphs (A) through (G) of section 405(a)(1) may establish 
a marine resources committee that--
            ``(1) complies with the requirements of this section; and
            ``(2) receives from such government the mission, direction, 
        expert assistance, and financial resources necessary--
                    ``(A) to address issues affecting the marine 
                ecosystems within its county; and
                    ``(B) to work to achieve the benchmarks described 
                in section 406(f)(2).
    ``(b) Membership.--
            ``(1) In general.--Each marine resources committee 
        established pursuant to this section shall be composed of--
                    ``(A) members with relevant scientific expertise; 
                and
                    ``(B) members that represent balanced 
                representation, including representation of--
                            ``(i) local governments, including planning 
                        staff from counties and cities with marine 
                        shorelines;
                            ``(ii) affected economic interests, such as 
                        ports and commercial fishers;
                            ``(iii) affected recreational interests, 
                        such as sport fishers; and
                            ``(iv) conservation and environmental 
                        interests.
            ``(2) Tribal members.--With respect to a county referred to 
        in subparagraphs (A) through (G) of section 405(a)(1), each 
        Indian tribe with usual and accustomed fishing rights in the 
        waters of such county and each Indian tribe with reservation 
        lands in such county, may appoint one member to the marine 
        resources committee for such county. Such member may be 
        appointed by the respective tribal authority.
            ``(3) Chairperson.--
                    ``(A) In general.--Each marine resources committee 
                established pursuant to this section shall select a 
                chairperson from among members by a majority vote of 
                the members of the committee.
                    ``(B) Rotating position.--Each marine resources 
                committee established pursuant to this section shall 
                select a new chairperson at a frequency determined by 
                the county charter of the marine resources committee to 
                create a diversity of representation in the leadership 
                of the marine resources committee.
    ``(c) Duties.--The duties of a marine resources committee 
established pursuant to this section are the following:
            ``(1) To assist in assessing marine resource problems in 
        concert with governmental agencies, tribes, and other entities.
            ``(2) To assist in identifying local implications, needs, 
        and strategies associated with the recovery of Puget Sound 
        salmon and other species in the region of the Northwest Straits 
        listed under the Endangered Species Act of 1973 (16 U.S.C. 1531 
        et seq.) in coordination with Federal, State, and local 
        governments, Indian tribes affected by this title, and other 
        entities.
            ``(3) To work with other entities to enhance the scientific 
        baseline and monitoring program for the marine environment of 
        the Northwest Straits.
            ``(4) To identify local priorities for marine resource 
        conservation and develop new projects to address those needs.
            ``(5) To work closely with county leadership to implement 
        local marine conservation and restoration initiatives.
            ``(6) To coordinate with the Commission on marine ecosystem 
        objectives.
            ``(7) To educate the public and key constituencies 
        regarding the relationship between healthy marine habitats, 
        harvestable resources, and human activities.

``SEC. 409. NORTHWEST STRAITS MARINE CONSERVATION FOUNDATION.

    ``(a) Establishment.--The Director of the Commission and the 
Director of the State of Washington Department of Ecology, or his or 
her designee, may enter into an agreement with an organization 
described in section 501(c)(3) of the Internal Revenue Code of 1986 to 
establish a nonprofit foundation to support the Commission and the 
marine resources committees established under section 408 in carrying 
out their duties under this Act.
    ``(b) Designation.--The foundation authorized by subsection (a) 
shall be known as the `Northwest Straits Marine Conservation 
Foundation'.
    ``(c) Receipt of Grants.--The Northwest Straits Marine Conservation 
Foundation may, if eligible, apply for, accept, and use grants awarded 
by Federal agencies, States, local governments, regional agencies, 
interstate agencies, corporations, foundations, or other persons to 
assist the Commission and the marine resources committees in carrying 
out their duties under this Act.
    ``(d) Transfer of Funds.--The Northwest Straits Marine Conservation 
Foundation may transfer funds to the Commission or the marine resources 
committees to assist them in carrying out their duties under this 
Act.''.

            Passed the House of Representatives December 7, 2009.

            Attest:

                                            LORRAINE C. MILLER,

                                                                 Clerk.
Example Output: Northwest Straits Marine Conservation Initiative Reauthorization Act of 2009 - Amends the Northwest Straits Marine Conservation Initiative Act to define "Northwest Straits" as the marine waters of the Strait of Juan de Fuca and of Puget Sound from the Canadian border to the south end of Snohomish County, Washington.

Sets forth the membership of the Northwest Straits Advisory Commission. Directs the Secretary of Commerce, acting through the Under Secretary for Oceans and Atmosphere, to appoint an employee of the National Oceanic and Atmospheric Administration (NOAA) to serve as a liaison between the Commission and the Department of Commerce and to attend the Commission's meetings and events as a nonvoting participant. States the goal of the Commission as the protection and restoration of the marine waters, habitats, and species of the Northwest Straits region in Washington to achieve ecosystem health and sustainable resource use. Enumerates the duties of the Commission and establishes benchmarks for its work. Requires the Commission to submit annual reports to Congress and the Under Secretary on its activities and its progress in achieving specified benchmarks.

Authorizes the Manager of the Shorelands and Environmental Assistance Program of Washington's Department of Ecology, upon the recommendation of the Commission and the Director of the Padilla Bay National Estuarine Research Reserve, to appoint and terminate a Director of the Commission. Requires the Director to be confirmed by the Commission.

Provides for the establishment of marine resources committees in specified counties of Washington.

Authorizes the Director of the Commission and the Director of the State of Washington Department of Ecology to establish the Northwest Straits Marine Conservation Foundation as a nonprofit foundation to support the Commission and the marine resources committees established by this Act.

Example Input: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Alexis Agin Identity Theft 
Protection Act of 2013''.

SEC. 2. LIMITATION ON DISTRIBUTION OF DEATH INFORMATION FURNISHED TO OR 
              MAINTAINED BY THE SOCIAL SECURITY ADMINISTRATION.

    (a) In General.--Section 205(r) of the Social Security Act (42 
U.S.C. 405(r)) is amended--
            (1) in paragraph (2), by inserting ``, and to ensure 
        completeness, timeliness, and accuracy of,'' after 
        ``transmitting'';
            (2) by striking paragraph (3) and inserting the following:
    ``(3) The Commissioner of Social Security shall, to the extent 
feasible, provide for the use of information regarding deceased 
individuals furnished to or maintained by the Commissioner, subject to 
such safeguards as the Commissioner of Social Security determines are 
necessary or appropriate to protect the information from unauthorized 
use or disclosure, to any Federal or State agency providing or 
administering Federally funded benefits to individuals, other than 
benefits under this Act, through a cooperative arrangement with such 
agency designed to ensure proper payment of those benefits with respect 
to such individuals if--
            ``(A) under such arrangement the agency provides 
        reimbursement to the Commissioner of Social Security for the 
        reasonable costs of carrying out such arrangement, including 
        the reasonable costs associated with the collection and 
        maintenance of information regarding deceased individuals 
        furnished to the Commissioner pursuant to paragraph (1); and
            ``(B) such arrangement does not conflict with the duties of 
        the Commissioner of Social Security under paragraph (1).'';
            (3) in paragraph (4), by inserting ``or in benefit and 
        pension plans for employees of the States or local 
        governments'' after ``by the States'';
            (4) by striking paragraph (5) and inserting the following:
    ``(5)(A) The Commissioner of Social Security may use or provide for 
the use of information regarding deceased individuals furnished to or 
maintained by the Commissioner, subject to such safeguards as the 
Commissioner of Social Security determines are necessary or appropriate 
to protect the information from unauthorized use or disclosure, 
provided the requirements of subparagraphs (A) and (B) of paragraph (3) 
are met and such information is provided--
            ``(i) to any Federal agency through a cooperative agreement 
        with such agency for the purpose of law enforcement or tax 
        administration; or
            ``(ii) for statistical and research activities conducted by 
        Federal and State agencies.
    ``(B) A Federal or State agency may disclose death information 
obtained from the Commissioner to a contractor for the purposes of 
assisting with such law enforcement, tax administration, or statistical 
and research activities, provided that the agency ensures, at a 
minimum, that the contractor fulfills the requirements of clauses (ii) 
and (iv) of paragraph (7)(E).'';
            (5) by striking paragraph (7) and inserting the following:
    ``(7)(A) For purposes of this paragraph, death information shall 
consist of information regarding deceased individuals maintained by the 
Commissioner of Social Security, except for information furnished to or 
maintained by the Commissioner pursuant to paragraphs (1) or (2), and 
the death information to be provided shall consist only of the name, 
social security number, date of birth, and date of death of a deceased 
individual.''
    ``(B) The Commissioner may disclose death information under this 
paragraph to the Secretary of Defense provided that--
            ``(i) the Secretary uses the information provided solely 
        for the purpose of assisting in the identification of 
        unidentified remains, and
            ``(ii) the Secretary enforces requirements similar to those 
        in clauses (i), (ii), (iv), (v), (vi), and (vii) with respect 
        to any contractor the Secretary hires to assist in such 
        identifications.
    ``(C) The Commissioner of Social Security may disclose death 
information, except for information furnished to or maintained by the 
Commissioner of Social Security pursuant to paragraphs (1) or (2), 
provided the requirements of this paragraph and the requirements of 
subparagraphs (A) and (B) of paragraph (3) are met.
    ``(D) The Commissioner may disclose--
            ``(i) to any entity, information maintained by the 
        Commissioner concerning individuals whose date of death 
        occurred at least 3 calendar years prior to the year that the 
        entity requests such information pursuant to a written 
        agreement; and
            ``(ii) to any entity `certified' by the Commissioner under 
        subparagraph (E), information maintained by the Commissioner 
        concerning individuals whose date of death does not satisfy the 
        requirements of clause (i), pursuant to a written agreement 
        between the Commissioner and the entity.
    ``(E) For purposes of this paragraph an entity is `certified' only 
if the Commissioner--
            ``(i) establishes procedures to certify and decertify 
        entities eligible to obtain such information;
            ``(ii) includes in the agreement with such an entity 
        provisions to require such entity to safeguard the information 
        provided, assure that the information is used only for the 
        purpose which was the basis for the certification, assure that 
        the information is not disclosed by the entity to any other 
        entity, and include contractual penalties, including monetary 
        penalties and loss of certification, for the violation of any 
        requirements imposed by the Commissioner as a condition of 
        receiving the information;
            ``(iii) requires that the entity demonstrate that--
                    ``(I) it has a legitimate business need for the 
                information, which shall include a requirement that the 
                information regarding a deceased individual will aid in 
                preventing financial harm to the entity or to a 
                customer or client of the entity or will aid in 
                permitting the entity to fulfill an obligation to a 
                beneficiary of an individual that is contingent upon 
                the death of such individual; or
                    ``(II) it has a legitimate interest in preventing 
                fraud or unauthorized financial transactions;
            ``(iv) requires that the entity demonstrate that it has 
        infrastructure and procedures in place to prevent wrongful 
        access to or the disclosure of information provided by the 
        Commissioner;
            ``(v) determines that the entity has adequate experience 
        and expertise in maintaining the confidentiality and security 
        of information;
            ``(vi) includes such other requirements and restrictions as 
        the Commissioner deems appropriate to assure the 
        confidentiality of the information; and
            ``(vii) requires that the entity permit periodic and 
        unscheduled audits of the entity to assure compliance with the 
        requirements established by the Commissioner.
    ``(F) The Commissioner shall establish application and other fees 
to be paid by entities seeking to be certified or to maintain 
certification under this paragraph so that the Commissioner is fully 
reimbursed for all costs associated with development of the 
certification process, evaluating applications, auditing compliance 
with the requirements established by the Commissioner, inspecting 
records and assuring compliance with contract requirements, and any 
other costs associated with assuring continuing eligibility for 
certification under this paragraph.
    ``(G) For purposes of this paragraph, the terms `entity' or 
`entities' includes `individual' and `individuals' respectively.
    ``(H) The Commissioner may delegate any of the activities under 
this paragraph to another agency and may perform any activity through a 
contractor, provided that the delegation or contract requires such 
agency or contractor to comply with all requirements of this section 
and of the implementing policies developed by the Commissioner.'';
            (6) by adding at the end the following new paragraph:
    ``(10) Information related to a deceased individual received by the 
Commissioner of Social Security other than as described in paragraph 
(1) shall be treated for purposes of paragraph (6) in the same manner 
as information received as described in paragraph (1).''.
    (b) Report.--Not later than 1 year after the date of the enactment 
of this Act and each year thereafter through 2019, the Commissioner of 
Social Security shall submit to the Committee on Finance of the Senate 
and the Committee on Ways and Means of the House of Representatives a 
report describing the entities certified by the Commissioner under 
section 205(r)(7) of the Social Security Act (42 U.S.C. 405(r)(7)) 
during the preceding year and their compliance with the requirements of 
subparagraph (E) of such section.
    (c) Effective Dates.--
            (1) In general.--Except as provided in paragraph (2), the 
        amendments made by this section take effect on the date that is 
        60 days after the date of the enactment of this Act.
            (2) Exception.--The amendment made by subsection (a)(6) 
        shall take effect on January 1, 2014.
    (d) Sunset.--Subparagraphs (C) through (H) of section 205(r)(7) of 
the Social Security Act (42 U.S.C. 405(r)(7)) (as amended by subsection 
(a)) shall cease to be effective on January 1, 2019, except that--
            (1) clauses (ii) and (iv) of subparagraph (E) of such 
        section shall continue to apply for purposes of section 
        205(r)(5)(B) of such Act (42 U.S.C. 405(r)(5)(B)) (as amended 
        by subsection (a)).
Example Output: Alexis Agin Identity Theft Protection Act of 2013 - Amends title II (Old Age, Survivors and Disability Insurance) (OASDI) of the Social Security Act to revise the treatment of death information furnished to or maintained by the Social Security Administration (SSA). Authorizes the Commissioner of Social Security to use or provide such information to federal and state agencies for statistical and research activities or to any federal agency for law enforcement or tax administration purposes. Authorizes disclosure of such information by: (1) federal and state agencies to contractors to assist with similar activities, (2) the Commissioner to entities concerning certain individuals who died more than three years earlier as well as to entities certified by the Commissioner, and (3) the Commissioner to the Secretary of Defense (DOD) to assist in the identification of remains. 

Example Input: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Control Your Personal Credit 
Information Act of 2018''.

SEC. 2. PERMISSIBLE PURPOSES OF REPORTS.

    (a) In General.--The Fair Credit Reporting Act (15 U.S.C. 1681 et 
seq.) is amended--
            (1) in section 604 (15 U.S.C. 1681b)--
                    (A) by striking subsections (c) through (e) and 
                inserting the following:
    ``(c) Conditions for Furnishing Certain Consumer Reports.--
            ``(1) In general.--A consumer reporting agency may furnish 
        a consumer report for the following purposes only if the 
        consumer provides the consumer reporting agency with 
        affirmative written consent to furnish the consumer report, 
        after furnishing proper identification under section 610:
                    ``(A) An extension of credit pursuant to subsection 
                (a)(3)(A).
                    ``(B) The underwriting of insurance pursuant to 
                subsection (a)(3)(C).
            ``(2) Additional reports; election.--After a consumer has 
        provided affirmative written consent and furnished proper 
        identification under paragraph (1) to a consumer reporting 
        agency, the consumer reporting agency may continue to furnish 
        consumer reports solely for the purposes of reviewing or 
        collecting on an account described in subparagraphs (A) and (C) 
        of subsection (a)(3).
            ``(3) Furnishing reports in connection with credit or 
        insurance transactions that are not initiated by consumer.--
                    ``(A) In general.--A consumer reporting agency may 
                furnish a consumer report to a person in connection 
                with any credit or insurance transaction under 
                subparagraph (A) or (C) of subsection (a)(3) that is 
                not initiated by the consumer only if--
                            ``(i) the consumer provides the consumer 
                        reporting agency affirmative written consent to 
                        furnish the consumer report, after furnishing 
                        proper identification under section 610; and
                            ``(ii) the transaction consists of a firm 
                        offer of credit or insurance.
                    ``(B) Election.--The consumer may elect to--
                            ``(i) have the consumer's name and 
                        addresses included in lists of names and 
                        addresses provided by the consumer reporting 
                        agency pursuant to subparagraphs (A) and (C) of 
                        subsection (a)(3) in connection with any credit 
                        or insurance transaction that is not initiated 
                        by the consumer only if--
                                    ``(I) the consumer provides the 
                                consumer reporting agency affirmative 
                                written consent to furnish the consumer 
                                report, after furnishing proper 
                                identification under section 610; and
                                    ``(II) the transaction consists of 
                                a firm offer of credit or insurance; 
                                and
                            ``(ii) revoke at any time the election 
                        pursuant to clause (i) to have the consumer's 
                        name and address included in lists provided by 
                        a consumer reporting agency.
                    ``(C) Information regarding inquiries.--Except as 
                provided in section 609(a)(5), a consumer reporting 
                agency shall not furnish to any person a record of 
                inquiries in connection with a credit or insurance 
                transaction that is not initiated by a consumer.
            ``(4) Disclosures.--
                    ``(A) In general.--A person may not procure a 
                consumer report for any purpose pursuant to 
                subparagraphs (D), (F), and (G) of subsection (a)(3) 
                unless--
                            ``(i) a clear and conspicuous disclosure 
                        has been made in writing to the consumer at any 
                        time before the report is procured or caused to 
                        be procured, in a document that consists solely 
                        of the disclosure, that a consumer report may 
                        be obtained for such purposes; and
                            ``(ii) the consumer has authorized in 
                        writing the procurement of the consumer report 
                        by that person.
                    ``(B) Authorizations.--The authorization described 
                in subparagraph (A)(ii) may be made on the disclosure 
                document provided under subparagraph (A)(i).
            ``(5) Rule making.--Not later than 180 days after the date 
        of enactment of the Control Your Personal Credit Information 
        Act of 2018, the Director of the Bureau shall promulgate 
        regulations that--
                    ``(A) implement this subsection;
                    ``(B) establish a model form for the disclosure 
                document pursuant to paragraph (4) and define the term 
                clear and conspicuous disclosure;
                    ``(C) establish guidelines that permit consumers to 
                provide a single written authorization as required by 
                paragraph (1) for a specific time period for multiple 
                users for the specified purpose during that time 
                period;
                    ``(D) require a consumer reporting agency to 
                provide to each consumer a secure, convenient, 
                accessible, and cost-free method by which a consumer 
                may allow or disallow the furnishing of consumer 
                reports pursuant to this subsection; and
                    ``(E) require a consumer reporting agency not later 
                than 2 business days after the date on which a consumer 
                makes an election to revoke the consumer's inclusion of 
                the consumer's name and address in lists provided by a 
                consumer reporting agency pursuant to paragraph (3)(B) 
                to implement that election.
            ``(6) Prohibitions.--
                    ``(A) In general.--The method described in 
                paragraph (5)(D) shall not be used to--
                            ``(i) collect any information on a consumer 
                        that is not necessary for the purpose of the 
                        consumer to allow or disallow the furnishing of 
                        consumer reports; or
                            ``(ii) advertise any product or service.
                    ``(B) No waiver.--In the offering of a method 
                described in paragraph (5)(D), a consumer reporting 
                agency shall not require a consumer to waive any rights 
                nor indemnify the consumer reporting agency from any 
                liabilities arising from the offering of such method.
            ``(7) Reports.--
                    ``(A) CFPB.--
                            ``(i) Recommendation.--Not later than 180 
                        days after the date of enactment of the Control 
                        Your Personal Credit Information Act of 2018, 
                        the Director of the Bureau shall, after 
                        consultation with the Federal Deposit Insurance 
                        Corporation, the National Credit Union 
                        Administration, and other Federal and State 
                        regulators as the Director of the Bureau 
                        determines are appropriate, submit to the 
                        Committee on Banking, Housing, and Urban 
                        Affairs of the Senate and the Committee on 
                        Financial Services of the House of 
                        Representatives recommendations on how to 
                        provide consumers greater transparency and 
                        personal control over their consumer reports 
                        furnished for permissible purposes under 
                        subsections (a)(3)(E) and (a)(6).
                            ``(ii) Report.--The Director of the Bureau 
                        shall submit to the Committee on Banking, 
                        Housing, and Urban Affairs of the Senate and 
                        the Committee on Financial Services of the 
                        House of Representatives an annual report that 
                        includes recommendations on how this subsection 
                        may be improved, a description of enforcement 
                        actions taken to demonstrate compliance with 
                        this subsection, recommendations on how to 
                        improve oversight of consumer reporting 
                        agencies and users of consumer reports, and any 
                        other recommendations concerning how consumers 
                        may be provided greater transparency and 
                        control over their personal information.
                    ``(B) GAO.--
                            ``(i) Study.--The Comptroller General of 
                        the United States shall conduct a study on what 
                        additional protections or restrictions may be 
                        needed to ensure that the information collected 
                        in consumer files is secure and does not 
                        adversely impact consumers.
                            ``(ii) Report.--Not later than 1 year after 
                        the date of enactment of the Control Your 
                        Personal Credit Information Act of 2018, the 
                        Comptroller General of the United States shall 
                        submit to the Committee on Banking, Housing, 
                        and Urban Affairs of the Senate and the 
                        Committee on Financial Services of the House of 
                        Representatives a report on the results of the 
                        study under clause (i), which shall include--
                                    ``(I) to the greatest extent 
                                possible, the presentation of 
                                unambiguous conclusions and specific 
                                recommendations for further legislative 
                                changes needed to ensure that the 
                                information collected in consumer files 
                                is secure and does not adversely impact 
                                consumers; and
                                    ``(II) if no recommendations for 
                                further legislative changes are 
                                presented, a detailed explanation of 
                                why no such changes are recommended.'';
                    (B) by redesignating subsections (f) and (g) as 
                subsections (d) and (e), respectively; and
                    (C) by adding at the end the following:
    ``(f) No Fees.--No consumer reporting agency may charge a consumer 
any fee for any activity pursuant to this section.'';
            (2) in section 607(a) (15 U.S.C. 1681e(a)), by inserting 
        ``Every consumer reporting agency shall use commercially 
        reasonable efforts to avoid unauthorized access to consumer 
        reports and information in the file of a consumer maintained by 
        the consumer reporting agency, including complying with any 
        appropriate standards established under section 501(b) of the 
        Gramm-Leach-Bliley Act (15 U.S.C. 6801(b)).'' after the end of 
        the third sentence;
            (3) in section 609 (15 U.S.C. 1681g), by striking 
        subsection (b) and inserting the following:
    ``(b) Scope of Disclosure.--The Director of the Bureau shall 
promulgate regulations to clarify that any information held by a 
consumer reporting agency about a consumer shall be disclosed to the 
consumer when a consumer makes a written request, irrespective of 
whether the information is held by the parent, subsidiary, or affiliate 
of a consumer reporting agency.''; and
            (4) in section 610(a)(1) (15 U.S.C. 1681h(a)(1)), by 
        striking ``section 609'' and inserting ``sections 604 and 
        609''.
    (b) Technical and Conforming Amendments.--The Fair Credit Reporting 
Act (15 U.S.C. 1681 et seq.) is amended--
            (1) in section 603(d)(3) (15 U.S.C. 1681a(d)(3)), in the 
        matter preceding subparagraph (A), by striking ``604(g)(3)'' 
        and inserting ``604(e)(3)'';
            (2) in section 615(d) (15 U.S.C. 1681m(d))--
                    (A) in paragraph (1)--
                            (i) in the matter preceding subparagraph 
                        (A), by striking ``604(c)(1)(B)'' and inserting 
                        ``604(c)(3)(A)(ii)''; and
                            (ii) in subparagraph (E), by striking 
                        ``604(e)'' and inserting ``604(c)(5)(D)''; and
                    (B) in paragraph (2)(A), by striking ``604(e)'' and 
                inserting ``604(c)(5)(D)''; and
            (3) in section 625(b)(1)(A) (15 U.S.C. 1681t(b)(1)(A)), by 
        striking ``subsection (c) or (e) of section 604'' and inserting 
        ``604(c)''.
Example Output:
Control Your Personal Credit Information Act of 2018  This bill amends the Fair Credit Reporting Act to require a consumer's affirmative written consent before a consumer reporting agency may share that consumer's report with third parties for specified purposes. A consumer must provide proper identification when giving this consent. (Currently, this sharing is generally allowed unless a consumer opts out.)  If the consumer provides consent, a consumer reporting agency may share information with a third party for:   an extension of credit, or  the underwriting of insurance.   A consumer reporting agency may provide a consumer report in connection with transactions not initiated by the consumer only if:   the consumer provides affirmative consent, and  the transaction consists of a firm offer of credit or insurance.   The Government Accountability Office must report on how best to protect information collected in consumer files.  Consumer reporting agencies may not charge consumers fees in connection with furnishing consumer reports.  The bill requires consumer reporting agencies to use reasonable efforts to prevent data breaches of consumer reports.