; and (B) by striking affecting your credit scores and inserting affecting your credit score or scores ; (5) in paragraph (5) (as so redesignated) by inserting or scores after credit score each place such term appears; and (6) by adding at the end the following new paragraphs: (6) Actions not required This subsection shall not require any person to disclose any credit score or related information obtained by the person after a loan has closed. (7) No procurement costs None of the costs to the creditor or lender associated with procuring any consumer reports or scores under this subsection may be charged, directly or indirectly, to the consumer. . 10. Rulemaking Not later than the end of the 2-year period beginning on the date of the enactment of this Act, the Bureau of Consumer Financial Protection shall issue final rules to implement the amendments made by this Act.