; or (B) any interest, charge, fee, or penalty. (3) Consumer reporting No information relating to the liability of a consumer alleged by a creditor to have been established in violation of subsection (a) or (b) may be reported to or received by any consumer reporting agency or included in any consumer report. (e) Regulations Not later than 6 months after the date of enactment of the Deceptive Loan Check Elimination Act, the Bureau shall prescribe final regulations to implement this section. . (b) Clerical amendment The item relating to section 132 in the table of sections for chapter 2 of the Consumer Credit Protection Act is amended to read as follows: 132. Unsolicited credit. . (c) Effective date The requirements of this Act and the amendments made by this Act shall apply to solicitations for extensions of credit made to consumers 180 days after the date of enactment of this Act.