; (3) in subparagraph (C), by striking or (B) ; and (4) by redesignating subparagraphs (B) and (C) as subparagraphs (A) and (B), respectively. III Protections for veterans, consumers, and homeowners 301. Protecting consumers' credit Section 605A of the Fair Credit Reporting Act ( 15 U.S.C. 1681c–1 ) is amended— (a) in subsection (a)(1)(A), by striking 90 days and inserting 1 year ; and (b) by adding at the end the following: (i) Free annual freeze alerts