{"database": "openregs", "table": "legislation", "rows": [["105-s-1154", 105, "s", 1154, "Dual-Use Debit Cardholder Protection Act of 1997", "Finance and Financial Sector", "1997-09-09", "1997-09-09", "Read twice and referred to the Committee on Banking.", "Senate", "Sen. Reed, Jack [D-RI]", "RI", "D", "R000122", 2, "Dual-Use Debit Cardholder Protection Act of 1997 - Amends the Electronic Fund Transfer Act to impose consumer liability for unauthorized electronic fund transfers only if the issuer has provided a unique identifier, such as a photograph (as under current law), retina scan, and other named devices with which the user can be identified as the authorized person.  Eliminates a signature as such a unique identifier. Cites circumstances under which a consumer shall be liable for an unauthorized electronic fund transfer not exceeding $50 if the transfer did not require the use of a unique identifier, such as a photograph, fingerprint, or retina scan. Precludes consumer liability for unauthorized electronic fund transfers in the absence of a consumer's timely receipt of notice of liability for such transfers, and of the advisability of prompt reporting of any loss, theft, or unauthorized use. Prohibits the issuance of dual-use debit cards to initiate an electronic fund transfer without the use of a unique identifier unless certain statutory requirements are met, and the issuer has provided a clear and conspicuous disclosure that the use of such card may not require the use of a unique identifier.", "2025-08-21T16:14:48Z", "https://www.congress.gov/bill/105th-congress/senate-bill/1154"]], "columns": ["bill_id", "congress", "bill_type", "bill_number", "title", "policy_area", "introduced_date", "latest_action_date", "latest_action_text", "origin_chamber", "sponsor_name", "sponsor_state", "sponsor_party", "sponsor_bioguide_id", "cosponsor_count", "summary_text", "update_date", "url"], "primary_keys": ["bill_id"], "primary_key_values": ["105-s-1154"], "units": {}, "query_ms": 0.33795499984989874, "source": "Federal Register API & Regulations.gov API", "source_url": "https://www.federalregister.gov/developers/api/v1", "license": "Public Domain (U.S. Government data)", "license_url": "https://www.regulations.gov/faq"}