; and (B) claiming that an activity is abusive, the Bureau may not claim in the alternative that the activity is unfair or deceptive. . (b) Clerical amendment The table of contents in section 1(b) of the Dodd-Frank Wall Street Reform and Consumer Protection Act is amended by inserting after the item relating to section 1058 the following: Sec. 1059. Unfair, deceptive, or abusive acts or practices enforcement actions. . 207. Look-back provisions for the Bureau of Consumer Financial Protection (a) In general Subtitle B of title X of the Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5511 et seq. ) is amended by adding at the end the following new section: 1029B. Examination period limitations (a) In general When enforcing Federal consumer financial laws, the Bureau may not seek a civil money penalty for any violation that occurred prior to the most recent assignment of a consumer compliance rating that had not been identified in writing as a material finding or supervisory concern at the time the rating was assigned. (b) Exception in cases of fraud or a material misrepresentation Subsection (a) shall not apply to a violation that involved fraud or a material misrepresentation. (c) Rule of construction The limitation described in subsection (a) may not be construed to restrict the ability of the Bureau to seek other forms of legal or equitable relief available under subparagraphs (A) through (G) of section 1055(a)(2). . (b) Clerical amendment The table of contents in section 1(b) of the Dodd-Frank Wall Street Reform and Consumer Protection Act is amended by inserting after the item relating to section 1029 the following: Sec. 1029B. Examination period limitations, . III Small Lenders Exempt from New Data and Excessive Reporting 301. Small business loan data collection Section 704B of the Equal Credit Opportunity Act ( 15 U.S.C. 1691c–2 ) is amended— (1) in subsection (g), by adding at the end the following: (4) Compliance (A) In general With respect to any rules or guidance issued under this subsection on or