The Financial Empowerment and Protection Act requires utilities, internet and phone providers, landlords, mortgage lenders, childcare providers, and credit card companies to allow unmarried cohabitating adults to open joint accounts for managing their services and bills. Both adults must consent to the joint account, and the company must provide each person access to account information, bills, and online portals upon request, along with privacy notices explaining what information will be shared. The bill takes effect 180 days after passage and allows individuals harmed by a company's failure to comply to sue for up to $1,000 per violation. Additionally, the legislation amends housing assistance laws to prohibit landlords from charging early lease termination fees to tenants who leave due to domestic violence, dating violence, sexual assault, or stalking.