consumers with free copies of any consumer reports and credit scores that they used for underwriting before consumers sign loan agreements. Sec. 606. Requires motor vehicle lenders or indirect auto lenders to provide consumers with free copies of any consumer reports and credit scores that they used for underwriting before consumers sign lease or loan agreements. Sec. 607. Requires residential mortgage lenders to provide consumers with free copies of any consumer reports and credit scores that they used for underwriting before consumers sign loan agreements. Title VII—Banning misleading and unfair consumer reporting practices Sec. 701. Prohibits automatic renewals for consumer reporting and credit scoring products and services offered under promotional terms. Sec. 702. Bans misleading and deceptive marketing related to the provision of consumer reporting and credit scoring products and services. Sec. 703. Ends excessive direct-to-consumer sales by giving the Bureau authority to set fair and reasonable fees on consumer reporting and credit scoring products and services sold by consumer reporting agencies to consumers. Sec. 704. Promotes access to consumer reporting and credit scoring disclosures for consumers with limited English proficiency and visual and hearing impairments to enhance their ability to exercise their rights. Sec. 705. Establishes consumers’ right to shop for the best deal on certain large dollar loans without harming their credit standing. Sec. 706. Ends confusion about whether entities are engaged in consumer reporting practices by creating a nationwide consumer reporting agencies registry. Title VIII—Expanding access to tools to protect vulnerable consumers from identity theft, fraud, or a related crime, and protect victims from further harm Sec. 801. Identity theft report definition. Sec. 802. Credit freeze definition. Sec. 803. Credit freezes for minors and other vulnerable consumers. Sec. 804. Enhances fraud alert protections. Sec. 805. Enhances access to credit freezes, limits the cost of