; and (B) meets the requirements of subsection (d). (2) Execution The Commissioner shall make the modifications necessary to any database that is in existence as of the date of enactment of this Act or similar resource, or develop a database or similar resource, to effectuate the requirements described in paragraph (1). (d) Protection of vulnerable consumers The database or similar resource described in subsection (c) shall— (1) compare fraud protection data provided in an inquiry by a permitted entity against such information maintained by the Commissioner in order to confirm (or not confirm) the validity of the information provided; (2) be scalable and accommodate reasonably anticipated volumes of verification requests from permitted entities with commercially reasonable uptime and availability; (3) allow permitted entities to submit— (A) one or more individual requests electronically for real-time machine-to-machine (or similar functionality) accurate responses; and (B) multiple requests electronically, such as those provided in a batch format, for accurate electronic responses within a reasonable period of time from submission, not to exceed 24 hours; (4) be funded, including any appropriate upgrades, maintenance, and associated direct and indirect administrative costs, by users of the database or similar resource, in a manner consistent with that described in section 1106(b) of the Social Security Act ( 42 U.S.C. 1306(b) )