; and (2) by inserting negligent, willful, or before knowing . II Prohibition on Misleading and Unfair Consumer Reporting Practices 201. Prohibition on automatic renewals for promotional consumer reporting and credit scoring products and services The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq.) is amended— (1) by adding at the end the following new section: 630. Promotional periods (a) Termination notice With respect to any product or service related to a consumer report or a credit score that is provided to a consumer under promotional terms, the seller or provider of such product or service shall provide clear and conspicuous notice to the consumer within a reasonable period of time before the promotional period ends. (b) Opt-In With respect to any such product or service, the seller or provider may not continue to sell or provide such product or service to the consumer after the end of the promotional period unless the consumer specifically agrees at the end of the promotional period to continue receiving the product or service. ; and (2) in the table of contents for such Act, by inserting after the item relating to section 629 the following new item: 630. Promotional periods. . 202. Prohibition on misleading and deceptive marketing related to the provision of consumer reporting and credit scoring products and services Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ) is amended— (1) in subsection (a)— (A) in paragraph (1)— (i) by striking request, except and all that follows through consumer to whom and inserting request, unless the consumer to whom ; (ii) by striking disclosure; and and inserting disclosure. ; and (iii) by striking subparagraph (B); and (B) in paragraph (6), by inserting or educational credit score (if applicable) under subsection (f) or section 612 before the period at the end