lender, or motor vehicle lender obtains and uses a consumer’s reports or scores for underwriting purposes. . (B) Hyperlink requirements The hyperlink described in subparagraph (A)(i) shall be prominently located on the top of the home page and should link directly to the website of the centralized source established pursuant to section 211(d) of the Fair and Accurate Credit Transactions Act of 2003 ( 15 U.S.C. 1681j(d) ). (C) Modifications The Bureau may modify the disclosure described in subparagraph (A)(ii) as necessary to include other circumstances under which a consumer has the right to receive a free consumer report, credit score, or educational credit score. (2) Nationwide specialty consumer reporting agencies (A) In general Not later than 180 days after the date of enactment of this subsection, each nationwide specialty consumer reporting agency shall prominently display on the Internet home webpage of the agency a disclosure titled Consumer’s Right to Free Consumer Reports and Credit Score or Educational Credit Score (as applicable) under Federal Law . Such disclosure shall include the following statement: Upon request, all consumers are entitled to obtain a free copy of their consumer report and credit score or educational credit score (as applicable) during any 12-month period from each of the nationwide specialty consumer reporting agencies. Federal law also provides further circumstances under which a consumer is entitled to obtain additional free copies of their consumer report and credit score or educational credit score (as applicable) including: (1) When a consumer is unemployed and intends to apply for employment within 60 days. (2) When a consumer is a recipient of public welfare assistance. (3) When a consumer has a reasonable belief that their report contains inaccuracies as a result of fraud. (4) When a consumer files a dispute or an appeal of the results of a dispute with a consumer reporting agency or a person who furnished information to the consumer reporting agency regarding the