; and (B) in connection with a credit transaction or any circumstance described in section 604 of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). (2) Electronic consent requirements For a permitted entity to use the consent of an individual received electronically pursuant to paragraph (1)(A), the permitted entity must obtain the individual’s electronic signature, as defined in section 106 of the Electronic Signatures in Global and National Commerce Act ( 15 U.S.C. 7006 ). (3) Effectuating electronic consent No provision of law or requirement, including section 552a of title 5, United States Code, shall prevent the use of electronic consent for purposes of this subsection or for use in any other consent based verification under the discretion of the Commissioner. (g) Compliance and enforcement (1) Audits and monitoring (A) In general The Commissioner may— (i) conduct audits and monitoring to— (I) ensure proper use by permitted entities of the database or similar resource described in subsection (c); and (II) deter fraud and misuse by permitted entities with respect to the database or similar resource described in subsection (c)