; (3) to evaluate the feasibility of a national, government-administered consumer credit reporting system; (4) of any consumer benefits that might reasonably be expected to result from a government-administered consumer credit reporting system; and (5) of any costs that might result from a government-administered consumer credit reporting system in the United States. (b) Publication of findings Not later than 18 months after the date of enactment of this Act, the Comptroller General of the United States shall publish the findings of the study conducted under subsection (a). 7. Effective date Except as otherwise provided in this Act and the amendments made by this Act, this Act and the amendments made by this Act shall take effect on the date that is 180 days after the date of enactment of this Act.