of the disclosure published under subsection (a) of this section. . (c) Regulations Not later than 180 days after the date of the enactment of this Act, the Director of the Bureau of Consumer Financial Protection shall issue such regulations as may be necessary to implement the amendments made by subsections (a) and (b). (d) Effective date The amendments made by subsections (a) and (b) shall take effect on the date of the enactment of this Act.