; and (II) if no recommendations for further legislative changes are presented, a detailed explanation of why no such changes are recommended. ; (B) by redesignating subsections (f) and (g) as subsections (d) and (e), respectively; and (C) by adding at the end the following: (f) No fees No consumer reporting agency may charge a consumer any fee for any activity pursuant to this section. ; (2) in section 607(a) ( 15 U.S.C. 1681e(a) ), by inserting Every consumer reporting agency shall use commercially reasonable efforts to avoid unauthorized access to consumer reports and information in the file of a consumer maintained by the consumer reporting agency, including complying with any appropriate standards established under section 501(b) of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801(b) ). after the end of the third sentence; (3) in section 609 ( 15 U.S.C. 1681g ), by striking subsection (b) and inserting the following: (b) Scope of disclosure The Director of the Bureau shall promulgate regulations to clarify that any information held by a consumer reporting agency about a consumer shall be disclosed to the consumer when a consumer makes a written request, irrespective of whether the information is held by the parent, subsidiary, or affiliate of a consumer reporting agency. ; and (4) in section 610(a)(1) ( 15 U.S.C. 1681h(a)(1) ), by striking section 609 and inserting sections 604 and 609 . (b) Technical and conforming amendments The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq.) is amended— (1) in section 603(d)(3) ( 15 U.S.C. 1681a(d)(3) ), in the matter preceding subparagraph (A), by striking 604(g)(3) and inserting 604(e)(3) ; (2) in section 615(d) ( 15 U.S.C. 1681m(d) )— (A) in paragraph (1)— (i) in the matter preceding subparagraph (A), by striking 604(c)(1)(B) and inserting 604(c)(3)(A)(ii) ; and (ii) in subparagraph (E), by striking 604(e) and inserting 604(c)(5)(D) ; and (B) in paragraph (2)(A), by striking 604(e) and inserting 604(c)(5)(D)