; and (B) by striking affecting your credit scores and inserting affecting your credit score or scores ; (5) in paragraph (5) (as so redesignated) by inserting or scores after credit score each place such term appears; and (6) by adding at the end the following new paragraphs: (6) Actions not required This subsection shall not require any person to disclose any credit score or related information obtained by the person after a loan has closed. (7) No procurement costs None of the costs to the creditor or lender associated with procuring any consumer reports or scores under this subsection may be charged, directly or indirectly, to the consumer. . VII Banning misleading and unfair consumer reporting practices 701. Prohibits automatic renewals for consumer reporting and credit scoring products and services offered under promotional terms The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq.), as amended by section 501, is further amended— (1) by adding at the end the following new section: 632. Promotional periods (a) Termination notice With respect to any product or service related to a consumer report or a credit score that is provided to a consumer under promotional terms, the seller or provider of such product or service shall provide clear and conspicuous notice to the consumer within a reasonable period of time before the promotional period ends. (b) Opt-In With respect to any such product or service, the seller or provider may not continue to sell or provide such product or service to the consumer after the end of the promotional period unless the consumer specifically agrees at the end of the promotional period to continue receiving the product or service.