; and (ii) in subparagraph (E), by striking 604(e) and inserting 604(c)(5)(D) ; and (B) in paragraph (2)(A), by striking 604(e) and inserting 604(c)(5)(D) ; and (4) in section 625(b)(1) ( 15 U.S.C. 1681t(b)(1) )— (A) in subparagraph (A), by striking subsection (c) or (e) of section 604 and inserting 604(c)(3) ; (B) in subparagraph (I), by adding or at the end; (C) by striking subparagraph (J); and (D) by redesignating subparagraph (K) as subparagraph (J). (c) Applicability The amendments made by subsections (a) and (b) shall apply to a consumer report, as defined in section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ), furnished after the earlier of— (1) the date on which the regulations promulgated by the Director of the Bureau of Consumer Financial Protection under subsection (c)(5) of section 604 of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), as amended by subsection (a) of this section, require compliance; and (2) the date that is 18 months after the date of enactment of this Act.