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 after the date of the enactment of this paragraph, the Bureau shall provide a financial institution a 3-year period to comply with such rule or guidance, regardless of the date on which such financial institution began its operations. (B) Safe harbor With respect to any rules or guidance issued under this subsection on or after the date of the enactment of this paragraph, beginning on the date after the last day of the 3-year period described in subparagraph (A), the Bureau shall provide a 2-year safe harbor to financial institutions during which each such financial institution is required to comply with the rule or guidance but not subject to any penalties for failure to comply.