; ; (B) in section 916(d)(1), by striking Bureau of Consumer Financial Protection and inserting Consumer Financial Empowerment Agency ; and (C) by striking Bureau each place that term appears in heading or text and inserting Agency . (4) Equal Credit Opportunity Act The Equal Credit Opportunity Act ( 15 U.S.C. 1691 et seq. ) is amended— (A) in section 702 ( 15 U.S.C. 1691a ), by amending subsection (c) to read as follows: (c) The term Agency means the Consumer Financial Empowerment Agency. ; and (B) by striking Bureau each place that term appears in heading or text and inserting Agency . (5) Expedited Funds Availability Act The Expedited Funds Availability Act ( 12 U.S.C. 4001 et seq. ) is amended— (A) by striking Bureau of Consumer Financial Protection each place such term appears and inserting Consumer Financial Empowerment Agency ; and (B) in the heading of section 605(f)(1), by striking board and bureau and inserting Board and Agency . (6) Fair and Accurate Credit Transactions Act of 2003 The Fair and Accurate Credit Transactions Act of 2003 ( Public Law 108–159 ) is amended by striking Bureau each place such term appears in heading and text and inserting Agency . (7) Fair Credit Reporting Act The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) is amended— (A) by amending section 603(w) to read as follows: (w) Agency The term Agency means the Consumer Financial Empowerment Agency. ; and (B) by striking Bureau each place such term appears, other than in sections 626 and 603(v), and inserting Agency . (8) Fair Debt Collection Practices Act The Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) is amended— (A) by amending section 803(1) to read as follows: (1) The term Agency means the Consumer Financial Empowerment Agency.