; and (B) an individual was the covered guardian of a minor consumer when the individual was not the covered guardian of the minor consumer as of the date on which the representation was made; (3) on the date of the 16th birthday of the minor consumer; or (4) if the minor consumer becomes emancipated under the law of the State in which the minor consumer resides, on the date of the emancipation of the minor consumer. (d) Regulations The Bureau shall promulgate regulations to carry out this section. (e) Fees (1) In general A credit reporting agency may charge a fair and reasonable fee, as determined by the Bureau, to create a blocked file or to unblock a file. (2) Exemption The Bureau may exempt an individual who suspects that the individual has been a victim of fraud or identity theft from a fee described in paragraph (1). (f) Exceptions Nothing in this section may be construed as requiring a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis to prevent a Federal, State, or local law enforcement agency from accessing a blocked file. . (b) Table of contents amendment The table of contents of 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. Additional protections for credit reports of minor consumers. . 6. Study of a public credit reporting system (a) Study Not later than 180 days after the date of enactment of this Act, the Comptroller General of the United States shall conduct a study— (1) of credit systems in the international credit system with government-administered consumer credit reporting systems; (2) of available information regarding the accuracy of government-administered consumer credit reporting systems that are in existence as of the date on which the Comptroller General begins conducting the study; (3) to evaluate the feasibility of a national, government-administered consumer credit reporting system