; and (II) effectively protecting the interests of children and teens; and (ii) proposals for policy changes that would improve the effectiveness of the safe harbor provisions. (B) Publication Not later than 10 days after the date on which a report under subparagraph (A) is submitted, the Commission shall publish the report on the internet website of the Commission. (f) Effective date This section shall take effect on the date that is 90 days after the date of enactment of this Act. (g) Rule of construction Nothing in this Act may be construed to authorize any action by the Commission that would violate section 18(h) of the Federal Trade Commission Act ( 15 U.S.C. 57a(h) ). 12. GAO study (a) Study The Comptroller General of the United States (in this section referred to as the Comptroller General ) shall conduct a study on the privacy of teens who use financial technology products. Such study shall— (1) identify the type of financial technology products that teens are using; (2) identify the potential risks to teens' privacy from using such financial technology products; and (3) determine whether existing laws are sufficient to address such risks to teens' privacy. (b) Report Not later than 1 year after the date of enactment of this section, the Comptroller General shall submit to Congress a report containing the results of the study conducted under subsection (a), together with recommendations for such legislation and administrative action as the Comptroller General determines appropriate.