; (III) a description of enforcement actions taken to demonstrate compliance with this subsection; (IV) recommendations on how to improve oversight of consumer reporting agencies and users of consumer reports; and (V) any other recommendations concerning how consumers may be provided greater transparency and control over their personal information. (B) GAO (i) Study The Comptroller General of the United States shall conduct a study on what additional protections or restrictions may be needed to ensure that the information collected in consumer files is secure and does not adversely impact consumers. (ii) Report Not later than 1 year after the date of enactment of the Consumer Credit Control Act of 2023 , the Comptroller General of the United States shall submit to the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives a report on the results of the study under clause (i), which shall include— (I) to the greatest extent possible, the presentation of unambiguous conclusions and specific recommendations for further legislative changes needed to ensure that the information collected in consumer files is secure and does not adversely impact consumers; and (II) if no recommendations for further legislative changes are presented, a detailed explanation of why no such changes are recommended. ; (B) by redesignating subsections (f) and (g) as subsections (d) and (e), respectively; and (C) by adding at the end the following: (f) No fees No consumer reporting agency may charge a consumer any fee for any activity pursuant to or as a result of this section. ; (2) in section 607(a) ( 15 U.S.C. 1681e(a) )— (A) in the third sentence, by striking make a reasonable effort and inserting use commercially reasonable efforts