; and (2) in the table of contents for such Act, as amended by section 706, by adding at the end the following new item: 635. Fair and reasonable fees for products and services. . 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 The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq.), as amended by section 701, is further amended— (1) by adding at the end the following new section: 633. Fair access to information for nonnative English speakers and the visually and hearing impaired (a) In general Not later than 180 days after the date of the enactment of this section, the Bureau shall issue a rule to require consumer reporting agencies and persons who furnish information to consumer reporting agencies under this title, to the maximum extent reasonably practicable— (1) to provide any information, disclosures, or other communication with consumers— (A) in each of the 10 most commonly spoken languages, other than English, in the United States, as determined by the Bureau of the Census on an ongoing basis; and (B) in formats accessible to individuals with hearing or vision impairments; and (2) to ensure that— (A) customer service representatives, including employees assigned to handle disputes or appeals under sections 611 and 623, who are available to assist consumers are highly familiar with the requirements of this title; (B) such representatives are available during regular business hours and outside of regular business hours, including evenings and weekends