in which those provisions apply to creditors offering loan products. (i) Civil liability Section 706 of the Equal Credit Opportunity Act ( 15 U.S.C. 1691e ), and the regulations implementing such section 706, shall apply to ISA providers offering income share agreements. (j) Reports by Bureau and Attorney General (1) In general Each year, the Bureau and the Attorney General shall, respectively, submit to Congress reports concerning the administration of the functions of the Bureau and the Attorney General, respectively, under this section, including such recommendations as the Bureau and the Attorney General, respectively, determine necessary or appropriate. (2) Additional information Each report of the Bureau submitted under paragraph (1) shall include the assessment of the Bureau of the extent to which compliance with the requirements of this title is being achieved and a summary of the enforcement actions taken by each of the agencies assigned administrative responsibilities under subsection (f). 502. Prohibition on requiring preauthorized electronic fund transfers under the Electronic Fund Transfer Act Section 913(1) of the Electronic Fund Transfer Act ( 15 U.S.C. 1693k(1) ) is amended by inserting , or the entering into an educational ISA or an income share agreement (as those terms are defined in section 2 of the ISA Student Protection Act of 2023 ) with a consumer after a consumer . 503. Treatment under the Fair Credit Reporting Act (a) In general Section 605 of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ) is amended by adding at the end the following: (i) Income share agreement information With respect to an income share agreement (as that term is defined in section 2 of the ISA Student Protection Act of 2023 ), a consumer report made by a consumer reporting agency— (1) may include a description of the contract terms of the income share agreement and, subject to subsection (a), information with respect to amounts that are owed under the income share agreement