CRAs have enticed consumers into purchasing products and services that they may not want or need, in some instances by advertising products or services free that automatically converted into an ongoing subscription service at the regular price unless cancelled by the consumer. Although these CRAs must now change their deceptive marketing practices, codifying these duties is an appropriate way to ensure that these companies never revert back to such misleading tactics. (E) Given the ubiquitous use of consumer reports in consumers’ lives and the fact that consumers’ participation in the credit reporting system is involuntary, CRAs should also prioritize providing consumers with the effective means to safeguard their personal and financial information and improve their credit standing, rather than seeking to exploit consumers’ concerns and confusion about credit reporting and scoring, to boost their companies’ profits. (F) Vulnerable consumers, who have legitimate concerns about the security of their personal and financial information, deserve clear, accurate, and transparent information about the credit reporting tools that may be available to them, such as fraud alerts and freezes. 3. Effective date The amendments made by this Act shall take effect 2 years after the date of the enactment of this Act. 4. General Bureau rulemaking Except as otherwise provided, not later than the end of the 2-year period beginning on the date of the enactment of this Act, the Bureau of Consumer Financial Protection shall issue final rules to implement the amendments made by this Act. I Improvements to the Dispute Process 101. Dispute procedures and disclosures relating to reinvestigations (a) In general Section 611(a) of the Fair Credit Reporting Act ( 15 U.S.C. 1681i(a) ) is amended to read as follows: (a) Reinvestigations of disputed information by a consumer reporting agency (1) Reinvestigations required (A) In general Subject to subsection (f), if the completeness or accuracy of any item of information contained in a consumer’s