; or (II) offered credit on materially less favorable terms; and (ii) verify the accuracy of that information; and (B) how to provide the information described in subparagraph (A) while protecting consumer privacy, including procedures to ensure that the information is provided to the consumer at the appropriate address. . 4. Regulatory reform Section 621 of the Fair Credit Reporting Act ( 15 U.S.C. 1681s ) is amended by adding at the end the following: (h) Consumer reporting agency registry (1) Establishment of registry Not later than 180 days after the date of enactment of the Stopping Errors in Consumer Use and REporting Act of 2017 , the Bureau shall establish 3 publicly available registries of consumer reporting agencies, including a registry that contains— (A) each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis; (B) each nationwide specialty consumer reporting agency; and (C) all other consumer reporting agencies that are not included under section 603(p) or 603(x). (2) Registration requirement Each consumer reporting agency shall register with a registry established by the Bureau under this subsection in a timeframe established by the Bureau. . 5. Identity theft protection for minors (a) In general The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq.) is amended by inserting after section 605B ( 15 U.S.C. 1681c–2 ) the following: 605C. Additional protections for credit reports of minor consumers (a) Definitions In this section— (1) the term blocked file means a file of a minor consumer with respect to which, under this section, a consumer reporting agency— (A) maintains with the name, social security number, date of birth, and, if applicable, any credit information of the minor consumer; (B) may not provide any person with a consumer report of the minor consumer; and (C) blocks the input of any information, except with permission from a covered guardian of the minor consumer; (2) the term covered guardian means— (A) the legal guardian of a minor child