; and (ii) by striking subparagraph (D) and inserting subparagraph (C) ; (B) in subparagraph (B)(ii), by striking consistent with subparagraph (C) ; (C) by striking subparagraph (C); and (D) by redesignating subparagraphs (D) through (G) as subparagraphs (C) through (F), respectively. (b) Notification requirements (1) Adverse information notification (A) In general The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq.) is amended— (i) in section 612 ( 15 U.S.C. 1681j ), by striking subsection (b) and inserting the following: (b) Free Disclosure After Notice of Adverse Action or Offer of Credit on Materially Less Favorable Term Not later than 30 days after the date on which a consumer reporting agency receives a notification under subsection (a)(2) or (h)(6) of section 615, or from a debt collection agency affiliated with the consumer reporting agency, the consumer reporting agency shall make to a consumer, without charge to the consumer, all disclosures that are made to a user of a consumer report in accordance with the rules prescribed by the Bureau. ; and (ii) in section 615(a) ( 15 U.S.C. 1681m(a) )— (I) by redesignating paragraphs (2), (3), and (4) as paragraphs (3), (4), and (5), respectively; (II) by inserting after paragraph (1) the following: (2) direct the consumer reporting agency that provided the consumer report that was used in the decision to take the adverse action to provide the consumer with the disclosures described in section 612(b); ; and (III) in paragraph (5), as so redesignated— (aa) in the matter preceding subparagraph (A), by striking of the consumer’s right ; (bb) by striking subparagraph (A) and inserting the following: (A) that the consumer shall receive a copy of the consumer report with respect to the consumer, free of charge, from the consumer reporting agency that furnished the consumer report; and