Page:United States Statutes at Large Volume 117.djvu/1972

 PUBLIC LAW 108–159—DEC. 4, 2003

117 STAT. 1953

Sec. 312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. Sec. 313. FTC and consumer reporting agency action concerning complaints. Sec. 314. Improved disclosure of the results of reinvestigation. Sec. 315. Reconciling addresses. Sec. 316. Notice of dispute through reseller. Sec. 317. Reasonable reinvestigation required. Sec. 318. FTC study of issues relating to the Fair Credit Reporting Act. Sec. 319. FTC study of the accuracy of consumer reports. TITLE IV—LIMITING THE USE AND SHARING OF MEDICAL INFORMATION IN THE FINANCIAL SYSTEM Sec. 411. Protection of medical information in the financial system. Sec. 412. Confidentiality of medical contact information in consumer reports. Sec. Sec. Sec. Sec. Sec. Sec. Sec. Sec. Sec.

TITLE V—FINANCIAL LITERACY AND EDUCATION IMPROVEMENT 511. Short title. 512. Definitions. 513. Establishment of Financial Literacy and Education Commission. 514. Duties of the Commission. 515. Powers of the Commission. 516. Commission personnel matters. 517. Studies by the Comptroller General. 518. The national public service multimedia campaign to enhance the state of financial literacy. 519. Authorization of appropriations.

TITLE VI—PROTECTING EMPLOYEE MISCONDUCT INVESTIGATIONS Sec. 611. Certain employee investigation communications excluded from definition of consumer report. TITLE VII—RELATION TO STATE LAWS Sec. 711. Relation to State laws. TITLE VIII—MISCELLANEOUS Sec. 811. Clerical amendments. SEC. 2. DEFINITIONS.

As used in this Act— (1) the term ‘‘Board’’ means the Board of Governors of the Federal Reserve System; (2) the term ‘‘Commission’’, other than as used in title V, means the Federal Trade Commission; (3) the terms ‘‘consumer’’, ‘‘consumer report’’, ‘‘consumer reporting agency’’, ‘‘creditor’’, ‘‘Federal banking agencies’’, and ‘‘financial institution’’ have the same meanings as in section 603 of the Fair Credit Reporting Act, as amended by this Act; and (4) the term ‘‘affiliates’’ means persons that are related by common ownership or affiliated by corporate control. SEC. 3. EFFECTIVE DATES.

Except as otherwise specifically provided in this Act and the amendments made by this Act— (1) before the end of the 2-month period beginning on the date of enactment of this Act, the Board and the Commission shall jointly prescribe regulations in final form establishing effective dates for each provision of this Act; and (2) the regulations prescribed under paragraph (1) shall establish effective dates that are as early as possible, while allowing a reasonable time for the implementation of the provisions of this Act, but in no case shall any such effective date be later than 10 months after the date of issuance of such regulations in final form.

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