entity for insurance purposes, including use in setting or adjusting a rate, adjusting a claim, or underwriting. (viii) Any person acting pursuant to an authorization from a consumer to use their consumer report for employment purposes. . 3. Enhancement of fraud alert protections Section 605A of the Fair Credit Reporting Act ( 15 U.S.C. 1681c–1 ) is amended— (1) in subsection (a)— (A) in the subsection heading, by striking One-Call and inserting One-Year