Financial Consumers' Bill of Rights Act - Amends various Acts to: (1) limit or prohibit certain open-end consumer credit plan (credit card) late fees, fees regarding checks for which there are insufficient funds (bounced checks) (also prohibits certain chargebacks), and electronic terminal (ATM) fees; (2) require a Federal financial supervisory agency's examination of a financial institution to assess the lifeline banking needs of the institution's community; (3) modify requirements regarding termination of a mandated annual report to Congress on bank fees and services; (4) require treating a consumer contract binding arbitration requirement as an unfair and deceptive trade act or practice under Federal or State law; (5) regulate the security, confidentiality, integrity, disclosure, and use of nonpublic personal information held or disclosed by a financial institution; (6) prohibit obtaining financial institution customer information by false pretenses; (7) provide for toll-free telephone numbers (and, for the Federal Trade Commission (FTC), a World Wide Web address) where a consumer can contact a creditor, a consumer reporting agency, or the FTC about potential fraud involving the consumer; and (8) require insured depository institutions to allow each depositor, without charge, at least three transactions directly with the institution's employees each month. Establishes the Federal Commission on Alternative Identifying Numbers to develop a model alternative to the use of Social Security numbers as identifying numbers in public documents, records, and licenses.