; or (ii) indemnify the credit reporting agency with respect to any liabilities that arise from offering the method; and (D) the method may not be used by any person to market or advertise any product or service. (3) Release of information Nothing in this subsection shall affect the ability of a person with whom a consumer has an account, contract, or debtor-creditor relationship to obtain information regarding the consumer for the purposes of reviewing the account or collecting on the account. (b) Regulations Not later than 18 months after the date of enactment of this section, the Bureau shall prescribe regulations carrying out this section. . (b) Table of contents amendment The table of contents for the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq.) is amended by inserting after the item relating to section 605B the following: 605C. Protection of credit information of consumers. . 3. Permissible purposes of credit reports; disclosure to consumers (a) In general The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq.) is amended— (1) in section 604 ( 15 U.S.C. 1681b )— (A) in subsection (a)— (i) in the matter preceding paragraph (1)— (I) by striking Subject to subsection (c), any and inserting Any ; and (II) by striking a consumer report and inserting information from the file of a consumer ; (ii) in paragraph (3)— (I) by striking subparagraphs (A) and (C); (II) by redesignating subparagraph (B) as subparagraph (A); (III) by redesignating subparagraphs (D) through (G) as subparagraphs (B) through (E), respectively; and (IV) in subparagraph (D), as so redesignated, by striking information— and all that follows through the period at the end of clause (ii) and inserting the following: information to review an account to determine whether the consumer continues to meet the terms of the account; or