; and (2) in paragraph (4)(D), by striking a protected consumer or a protected consumer’s representative under subparagraph (A)(i) and inserting a protected consumer described under subparagraph (A)(ii) or a protected consumer’s representative . 203. Enhances fraud alert protections Section 605A of the Fair Credit Reporting Act ( 15 U.S.C. 1681c–1 ) is amended— (1) in subsection (a)— (A) in the subsection heading, by striking One-Call and inserting One-Year ; (B) in paragraph (1)— (i) in the paragraph heading, by striking Initial alerts and inserting In general ; (ii) by inserting or harmed by the unauthorized disclosure of the consumer’s financial or personally identifiable information, after identity theft, ; (iii) in subparagraph (A), by striking and at the end; (iv) in subparagraph (B)— (I) by inserting 1-year before fraud alert ; and (II) by striking the period at the end and inserting ; and ; and (v) by adding at the end the following new subparagraph: (C) upon the expiration of the 1-year period described in subparagraph (A) or a subsequent 1-year period, and in response to a direct request by the consumer or such representative, continue the fraud alert for a period of 1 additional year if the information asserted in this paragraph remains applicable. ; and (C) in paragraph (2)— (i) by inserting 1-year before fraud alert ; (ii) in subparagraph (A), by inserting and credit score after file ; and (iii) in subparagraph (B), by striking any request described in subparagraph (A) and inserting the consumer reporting agency includes the 1-year fraud alert in the file of a consumer ; (2) in subsection (b)— (A) in the subsection heading, by striking Extended and inserting Seven-Year ; (B) in paragraph (1)— (i) in subparagraph (B)— (I) by striking 5-year period beginning on the date of such request and inserting such 7-year period ; and (II) by striking and at the end; (ii) in subparagraph (C)— (I) by striking extended and inserting 7-year ; and (II) by striking the period at the end and inserting ; and