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

SECTION 1. SHORT TITLE.

This Act may be cited as the ''Personal Information Privacy Act of
1997''.

SEC. 2. CONFIDENTIAL TREATMENT OF CREDIT HEADER INFORMATION.

Section 603(d) of the Fair Credit Reporting Act (15 U.S.C.
1681a(d)) is amended by inserting after the first
sentence the following: ''The term also includes any other identifying
information of the consumer, except the name, address, and telephone
number of the consumer if listed in a residential telephone directory
available in the locality of the consumer.''.

SEC. 3. PROTECTING PRIVACY BY PROHIBITING USE OF THE SOCIAL SECURITY
NUMBER FOR COMMERCIAL PURPOSES WITHOUT CONSENT.

(a) In General.--Part A of title XI of the Social Security Act (42
U.S.C. 1301 et seq.) is amended by adding at the end the following:

''prohibition of certain misuses of the social security account number

''Sec. 1146. (a) Prohibition of Commercial Acquisition or
Distribution.--No person may buy, sell, offer for sale, take or give in
exchange, or pledge or give in pledge any information for the purpose,
in whole or in part, of conveying by means of such information any
individual's social security account number, or any derivative of such
number, without the written consent of such individual.
''(b) Prohibition of Use as Personal Identification Number.--No
person may utilize any individual's social security account number, or
any derivative of such number, for purposes of identification of such
individual without the written consent of such individual.
''(c) Prerequisites for Consent.--In order for consent to exist
under subsection (a) or (b), the person engaged in, or seeking to
engage in, an activity described in such subsection shall--
''(1) inform the individual of all the purposes for which
the number will be utilized and the persons to whom the number
will be known; and
''(2) obtain affirmatively expressed consent in writing.
''(d) Exceptions.--Nothing in this section shall be construed to
prohibit any use of social security account numbers permitted or
required under section 205(c)(2) of this Act, section 7(a)(2) of the
Privacy Act of 1974 (5 U.S.C. 552a note; 88 Stat. 1909), or section
6109(d) of the Internal Revenue Code of 1986.
''(e) Civil Action in United States District Court; Damages;
Attorneys Fees and Costs; Nonexclusive Nature of Remedy.--
''(1) In general.--Any individual aggrieved by any act of
any person in violation of this section may bring a civil
action in a United States district court to recover--
''(A) such preliminary and equitable relief as the
court determines to be appropriate; and
''(B) the greater of--
''(i) actual damages; and
''(ii) liquidated damages of $25,000 or, in
the case of a violation that was willful and
resulted in profit or monetary gain, $50,000.
''(2) Attorney's fees and costs.--In the case of a civil
action brought under paragraph (1) in which the aggrieved
individual has substantially prevailed, the court may assess
against the respondent a reasonable attorney's fee and other
litigation costs and expenses (including expert fees)
reasonably incurred.
''(3) Statute of limitations.--No action may be commenced
under this subsection more than 3 years after the date on which
the violation was or should reasonably have been discovered by
the aggrieved individual.
''(4) Nonexclusive remedy.--The remedy provided under this
subsection shall be in addition to any other lawful remedy
available to the individual.
''(f) Civil Money Penalties.--
''(1) In general.--Any person who the Commissioner of
Social Security determines has violated this section shall be
subject, in addition to any other penalties that may be
prescribed by law, to--
''(A) a civil money penalty of not more than
$25,000 for each such violation, and
''(B) a civil money penalty of not more than
$500,000, if violations have occurred with such
frequency as to constitute a general business practice.
''(2) Determination of violations.-- Any violation
committed contemporaneously with respect to the social security
account numbers of 2 or more individuals by means of mail,
telecommunication, or otherwise shall be treated as a separate
violation with respect to each such individual.
''(3) Enforcement procedures.--The provisions of section
1128A (other than subsections (a), (b), (f), (h), (i), (j), and
(m), and the first sentence of subsection (c)) and the
provisions of subsections (d) and (e) of section 205 shall
apply to civil money penalties under this subsection in the
same manner as such provisions apply to a penalty or proceeding
under section 1128A(a), except that, for purposes of this
paragraph, any reference in section 1128A to the Secretary
shall be deemed a reference to the Commissioner of Social
Security.
''(g) Regulation by States.--Nothing in this section shall be
construed to prohibit any State authority from enacting or enforcing
laws consistent with this section for the protection of privacy.''.
(b) Effective Date.--The amendment made by this section applies
with respect to violations occurring on and after the date which is 2
years after the date of enactment of this Act.

SEC. 4. RESTRICTION ON USE OF SOCIAL SECURITY NUMBERS BY STATE
DEPARTMENTS OF MOTOR VEHICLES.

(a) Restriction on Governmental Use.--Section 2721(b)(1) of title
18, United States Code, is amended by striking ''its functions.'' and
inserting ''its functions, but in the case of social security numbers,
only to the extent permitted or required under section 205(c)(2) of the
Social Security Act (42 U.S.C. 405(c)(2)), section 7(a)(2) of the
Privacy Act of 1974 (5 U.S.C. 552a note, 88 Stat. 1909), section
6109(d) of the Internal Revenue Code of 1986, or any other provision of
law specifically identifying such use.''.
(b) Prohibition of Use by Marketing Companies.--Section 2721(b)(12)
of title 18, United States Code, is amended by striking ''For'' and
inserting ''Except in the case of social security numbers, for''.
Personal Information Privacy Act of 1997 - Amends the Fair Credit Reporting Act to redefine the term "consumer report" to exclude identifying information listed in a local telephone directory (thereby ensuring that the personal identification information in the credit headers accompanying credit reports of unlisted individuals remains confidential).
Amends part A (General Provisions) of title XI of the Social Security Act to prohibit the commercial acquisition or distribution of an individual's social security number (or any derivative of it) as well as its use as a personal identification number without the individual's written consent.
Provides for a civil action in a U.S. District Court by any individual aggrieved by any violation of this prohibition. Provides for civil money penalties for violations as well.
Amends the Federal criminal code to require the uses of social security numbers by State departments of motor vehicles to be consistent with the uses authorized by the Social Security Act, the Privacy Act, and by any other statutes explicitly authorizing their use. Prohibits the use of social security numbers by marketing companies.