; and (2) in subsection (b)— (A) in paragraph (1)— (i) by amending the paragraph heading to read as follows: Use of consumer reports for employment purposes ; (ii) in subparagraph (A), by redesignating clauses (i) and (ii) as subclauses (I) and (II), respectively (and conforming the margins accordingly); (iii) by redesignating subparagraphs (A) and (B) as clauses (i) and (ii), respectively (and conforming the margins accordingly); (iv) by striking the period at the end of clause (ii) (as so redesignated) and inserting ; and ; (v) by striking agency may furnish and inserting agency— (A) may furnish ; and (vi) by adding at the end the following new subparagraph: (B) except as provided in paragraph (5), may not furnish a consumer report with respect to any consumer in which any information contained in the report bears on the consumer’s creditworthiness, credit standing, or credit capacity. ; and (B) by adding at the end the following new paragraphs: (5) Requirements for consumer reports bearing on the consumer’s creditworthiness, credit standing, or credit capacity (A) In general A person may use a consumer report with respect to any consumer in which any information contained in the report bears on the consumer’s creditworthiness, credit standing, or credit capacity only if— (i) either— (I) the person is required to obtain the report by a Federal, State, or local law; or (II) the information contained in the report is being used with respect to a national security investigation (as defined in paragraph (4)(D)); (ii) none of the cost associated with obtaining the consumer report will be passed on to the consumer to whom the report relates; and (iii) the information contained in the consumer report will not be disclosed to any other person other than— (I) in an aggregate format that protects a consumer’s personally identifiable information