,,ii  #aac? ,,congress  #a/ ,session    
,s4 #affg  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,novemb] #g1 #bjac,mr4 
,vitt] 7= himself1 ,mr4 ,hell]1 ,mr4    
,kirk1 ,mr4 ,cornyn1 ,mr4 ,b>rasso1 ,mr4
 ,toomey1 & ,mr4 ,enzi7 introduc$ !     
foll[+ bill2 :i* 0 read twice & ref]r$  
to ! ,committee on ,bank+1 ,h\s+1 &     
,urban ,affairs  ,a ,,bill  ,to am5d !  
,consum] ,f9ancial ,protection ,act (   
#bjaj to provide consum]s ) a free      
annual disclosure ( in=mation ! ,bureau 
( ,consum] ,f9ancial ,protection ma9ta9s
 on !m1 & = o!r purposes4  #a4 ,annual  
disclosure to consum]s  7a7 ,9 g5]al    
,section #ajbb7;c77#i7 ( ! ,consum]     
,f9ancial ,protection ,act ( #bjaj 7#ab 
,u4,s4,c4 #eeab7;c77#i77 is am5d$ by    
add+ at ! end ! foll[+3  7,c7 ,annual   
disclosure to consum]s  7i7 ,9 g5]al    
,once dur+ any #ab-mon? p]iod1 ^u reque/
 ( a consum] & )\t *>ge to ! consum]1 ! 
,bureau %all cle>ly & accurately        
disclose to ! consum]1 be=e ! end ( !   
#ae-;day p]iod beg9n+ on ! day ! reque/ 

is made1 ! foll[+3 7,i7 ,all in=mation )
 respect to ! consum] held by ! ,bureau 
at ! "t ( ! reque/1 except t if !       
consum] to :om ! in=mation relates      
reque/s t ! fir/ #e digits ( ! social   
security numb] 7or simil> id5tification 
numb]7 ( ! consum] n be includ$ 9 !     
disclosure1 & ! ,bureau has receiv$     
appropriate pro( ( ! id5tity ( !        
reque/]1 ! ,bureau %all s truncate su*  
numb] 9 su* disclosure4  7,,ii7 ,!      
s\rces ( ! in=mation4  7,,iii7 ,any     
p]son or o!r ,f$]al dep>tm5t or ag5cy to
 :i* ! ,bureau disclos$ in=mation       
describ$ "u subclause 7,i74  7ii7 ,me?od
 ( reque/ ,! ,bureau %all all[ consum]s 
to make a reque/ "u clause 7i7-- 7,i7   
onl9e1 ) a l9k prom95tly display$ on !  
,bureau's website2  7,,ii7 via ,unit$   
,/ates mail2 &  7,,iii7 via a toll-free 
telephone numb] e/abli%$ by ! ,bureau = 
su* purpose4  4  7b7 ,effective date    
,section #ajbb7;c77#i77;,c7 ( ! ,consum]
 ,f9ancial ,protection ,act ( #bjaj 7#ab
 ,u4,s4,c4 #eeab7;c77#i77;,c771 z add$  

by subsection 7a71 %all take effect )   
respect to consum] reque/s made aft] !  
#a-ye> p]iod beg9n+ on ! date ( !       
enactm5t ( ?is ,act4