; (B) to verify the identity of the individual; and (C) to comply with a legal requirement to record, retain, or transmit the personal information in connection with opening an account or obtaining a financial product or service. (3) Deletion of image A financial institution that makes a copy or receives an image of a driver’s license or personal identification card of an individual in accordance with paragraph (1) shall, after using the image for the purposes described in paragraph (2), permanently delete, within a reasonable amount of time— (A) any image of the driver’s license or personal identification card, as applicable; and (B) any copy of any such image. (c) Disclosure of personal information Nothing in this section shall be construed to amend, modify, or otherwise affect any State or Federal laws that govern a financial institution’s disclosure and security of personal information that is not publicly available. (d) Report Not later than 1 year after the date of enactment of this Act, the Secretary of the Treasury shall submit to Congress a report on— (1) the decrease in the unbanked or underbanked populations through the use of the technology described in this Act in rural communities and underserved populations; and (2) the increased incidence of violations of Federal or State laws described in subsection (c). (e) Relation to State law The provisions of this section shall preempt and supersede any State law that conflicts with a provision of this section, but only to the extent of such conflict.