; and (4) the institution is in substantial compliance with all applicable Federal consumer protection laws. (b) Guidance The Consumer Bureau, in consultation with the relevant Federal and State regulator and law enforcement agencies, shall issue final guidance on the content, form, and method of delivery of the annual certification required under subsection (a) within 6 months of the date of the enactment of this Act. (c) Criminal penalties Any individual who certifies and submits an attestation described under subsection (a) that contains a false statement— (1) if done knowingly, shall be fined not more than $1,000,000 or imprisoned not more than 10 years, or both