,,ii  #aacth ,,congress  #ast ,session  
,s4 #affg  ,,in ,,the ,,senate ,,of     
,,the ,,united ,,states  ,november #g1  
#bjac,mr4 ,vitter 7for himself1 ,mr4    
,heller1 ,mr4 ,kirk1 ,mr4 ,cornyn1 ,mr4 
,barrasso1 ,mr4 ,toomey1 and ,mr4 ,enzi7
 introduced the following bill2 which   
was read twice and referred to the      
,committee on ,banking1 ,housing1 and   
,urban ,affairs  ,a ,,bill  ,to amend   
the ,consumer ,financial ,protection    
,act of #bjaj to provide consumers with 
a free annual disclosure of information 
the ,bureau of ,consumer ,financial     
,protection maintains on them1 and for  
other purposes4  #a4 ,annual disclosure 
to consumers  7a7 ,in general ,section  
#ajbb7;c77#i7 of the ,consumer          
,financial ,protection ,act of #bjaj    
7#ab ,u4,s4,c4 #eeab7;c77#i77 is amended
 by adding at the end the following3    
7,c7 ,annual disclosure to consumers    
7i7 ,in general ,once during any        
#ab-month period1 upon request of a     
consumer and without charge to the      

consumer1 the ,bureau shall clearly and 
accurately disclose to the consumer1    
before the end of the #ae-;day period   
beginning on the day the request is     
made1 the following3 7,i7 ,all          
information with respect to the consumer
 held by the ,bureau at the time of the 
request1 except that if the consumer to 
whom the information relates requests   
that the first #e digits of the social  
security number 7or similar             
identification number7 of the consumer  
not be included in the disclosure1 and  
the ,bureau has received appropriate    
proof of the identity of the requester1 
the ,bureau shall so truncate such      
number in such disclosure4  7,,ii7 ,the 
sources of the information4  7,,iii7    
,any person or other ,federal department
 or agency to which the ,bureau         
disclosed information described under   
subclause 7,i74  7ii7 ,method of request
 ,the ,bureau shall allow consumers to  
make a request under clause 7i7-- 7,i7  
online1 with a link prominently         

displayed on the ,bureau's website2     
7,,ii7 via ,united ,states mail2 and    
7,,iii7 via a toll-free telephone number
 established by the ,bureau for such    
purpose4  4  7b7 ,effective date        
,section #ajbb7;c77#i77;,c7 of the      
,consumer ,financial ,protection ,act of
 #bjaj 7#ab ,u4,s4,c4                   
#eeab7;c77#i77;,c771 as added by        
subsection 7a71 shall take effect with  
respect to consumer requests made after 
the #a-year period beginning on the date
 of the enactment of this ,act4