; and (2) that relates to the rights of a consumer after a data breach at the consumer reporting agency in which the sensitive personal information of the consumer is lost, stolen, or accessed without authorization. (f) Annual study and report (1) In general Beginning in the first full year after the date of enactment of this section, and annually thereafter, the Bureau and the Federal Trade Commission, in consultation with the Attorney General, shall conduct a study regarding the costs to affected individuals from data breaches at consumer reporting agencies, including— (A) the economic costs to those affected individuals; (B) the effects on— (i) the ability of those affected individuals to obtain credit and housing; and (ii) the reputations of those affected individuals