Page:United States Statutes at Large Volume 124.djvu/2125

 124 STAT. 2099 PUBLIC LAW 111–203—JULY 21, 2010 section 303(2)(A) which is not otherwise referred to in this paragraph; ‘‘(C) the National Credit Union Administration Board with respect to credit unions; and ‘‘(D) the Secretary of Housing and Urban Development with respect to other lending institutions not regulated by the agencies referred to in subparagraph (A) or (B). ‘‘(3) RULES FOR MODIFICATIONS UNDER PARAGRAPH (1).— ‘‘(A) APPLICATION.—A modification under paragraph (1)(E) shall apply to information concerning— ‘‘(i) credit score data described in subsection (b)(6)(I), in a manner that is consistent with the pur- pose described in paragraph (1)(E); and ‘‘(ii) age or any other category of data described in paragraph (5) or (6) of subsection (b), as the Bureau determines to be necessary to satisfy the purpose described in paragraph (1)(E), and in a manner con- sistent with that purpose. ‘‘(B) STANDARDS.—The Bureau shall prescribe stand- ards for any modification under paragraph (1)(E) to effec- tuate the purposes of this title, in light of the privacy interests of mortgage applicants or mortgagors. Where nec- essary to protect the privacy interests of mortgage applicants or mortgagors, the Bureau shall provide for the disclosure of information described in subparagraph (A) in aggregate or other reasonably modified form, in order to effectuate the purposes of this title.’’; (C) in subsection (i), by striking ‘‘subsection (b)(4)’’ and inserting ‘‘subsections (b)(4), (b)(5), and (b)(6)’’; (D) in subsection (j)— (i) by striking paragraph (3) and inserting the following: ‘‘(3) CHANGE OF FORM NOT REQUIRED.—A depository institu- tion meets the disclosure requirement of paragraph (1) if the institution provides the information required under such para- graph in such formats as the Bureau may require’’; and (ii) in paragraph (2)(A), by striking ‘‘in the format in which such information is maintained by the institu- tion’’ and inserting ‘‘in such formats as the Bureau may require’’; (E) in subsection (m), by striking paragraph (2) and inserting the following: ‘‘(2) FORM OF INFORMATION.—In complying with paragraph (1), a depository institution shall provide the person requesting the information with a copy of the information requested in such formats as the Bureau may require.’’; and (F) by adding at the end the following: ‘‘(n) TIMING OF CERTAIN DISCLOSURES.—The data required to be disclosed under subsection (b) shall be submitted to the Bureau or to the appropriate agency for any institution reporting under this title, in accordance with regulations prescribed by the Bureau. Institutions shall not be required to report new data under para- graph (5) or (6) of subsection (b) before the first January 1 that occurs after the end of the 9-month period beginning on the date on which regulations are issued by the Bureau in final form with respect to such disclosures.’’; (4) in section 305 (12 U.S.C. 2804)— Regulations.