; or ; and (iii) by adding at the end the following: (7) Pursuant to the express authorization of a consumer, subject to the method provided under section 605C(a) in the case of a consumer reporting agency described in section 603(p). ; (B) by striking subsection (c); and (C) by redesignating subsections (d) through (g) as subsections (c) through (f), respectively; (2) in section 609(a)(1) ( 15 U.S.C. 1681g(a)(1) ), by striking request, except that— and all that follows through the period at the end of subparagraph (B) and inserting the following: request, without regard to whether the information is held by a parent, subsidiary, or affiliate of the consumer reporting agency. ; (3) in section 612(a)(1)(A) ( 15 U.S.C. 1681j(a)(1)(A) ), by striking once during any 12-month period ; and (4) in section 615 ( 15 U.S.C. 1681m )— (A) by striking subsection (d); and (B) by redesignating subsections (e) through (h) as subsections (d) through (g), respectively. (b) Regulations Not later than 18 months after the date of enactment of this Act, the Bureau of Consumer Financial Protection shall issue regulations carrying out section 609(a)(1) of the Fair Credit Reporting Act ( 15 U.S.C. 1681g(a)(1) ), as amended by subsection (a)(2). (c) Technical and conforming amendments (1) Consumer Financial Protection Act of 2010 Section 1002(12)(F) of the Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5481(12)(F) ) is amended— (A) by striking 615(e) and inserting 615(d) ; and (B) by striking 1681m(e) and inserting 1681m(d) . (2) Fair Credit Reporting Act The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq.) is amended— (A) in section 603 ( 15 U.S.C. 1681a )— (i) in subsection (d)(3), in the matter preceding subparagraph (A), by striking section 604(g)(3) and inserting section 604(f)(3) ; and (ii) in subsection (k)(1)(B)— (I) in clause (iii), by striking section 604(a)(3)(D) and inserting section 604(a)(3)(B) ; and (II) in clause (iv)(I), by striking section 604(a)(3)(F)(ii) and inserting section 604(a)(3)(D)