; model disclosure forms (a) No Bureau general rulemaking authority Except as provided under subsection (b) and section 102(b)(1)(G), the Director of the Bureau of Consumer Financial Protection may not issue regulations under this title or pursuant to any other authority granted to the Bureau of Consumer Financial Protection under the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Public Law 111–203 ). (b) Model disclosure forms (1) In general Not later than 180 days after the date of the enactment of this Act, the Director of the Bureau of Consumer Financial Protection, after engaging in appropriate consumer testing of such forms, shall promulgate a model disclosure form for the disclosures required under section 102(b). (2) Safe harbor Any person who uses the model disclosure form promulgated pursuant to paragraph (1) and includes accurate information required under section 102(b) shall be deemed to be in compliance with the disclosure requirements under section 102(b) and shall not be subject to any State law (including regulations) to the extent that such law imposes any additional or differing disclosure requirements. 104. Truth in Lending Act Any Qualified ISA shall not be considered credit and ISA funders (and their successors in interest) shall not be considered creditors, as those terms are defined in section 103 of the Truth in Lending Act ( 15 U.S.C. 1602 ). 105. Consent to continuing release of taxpayer information under Qualified ISAs and income-share agreements By not later than 180 days after the date of enactment of this Act, the Secretary of the Treasury shall modify Treasury Regulations and guidance to provide for continuing consent to disclosure of an individual’s return information to an ISA funder (or the funder’s successor in interest) under a Qualified ISA or income-share agreement, but only for periods relevant to, and only to the extent the Secretary determines is necessary and appropriate in carrying out the terms of, such Qualified ISA or income-share agreement. II