PUBLIC LAW 104-208—SEPT. 30, 1996 110 STAT. 3009 -438 "(3) FORM OF SUMMARY OF RIGHTS.— For purposes of this subsection and any disclosure by a consumer reporting agency required under this title with respect to consumers' rights, the Federal Trade Commission (after consultation with each Federal agency referred to in section 621(b)) shall prescribe the form and content of any such disclosure of the rights of consumers required under this title. A consumer reporting agency shall be in compliance with this subsection if it provides disclosures under paragraph (1) that are substantially similar to the Federal Trade Commission prescription under this paragraph. "(4) EFFECTIVENESS. — No disclosures shall be required under this subsection until the date on which the Federal Trade Commission prescribes the form and content of such disclosures under paragraph (3).". (2) TECHNICAL AMENDMENT.— Section 606(a)(1)(B) of the Fair Credit Reporting Act (15 U.S.C. 1681d(a)(l)(B)) is amended by inserting "and the written summary of the rights of the consumer prepared pursuant to section 609(c)" before the semicolon. (e) FORM OF DISCLOSURES.— (1) IN GENERAL.— Subsections (a) and (b) of section 610 of the Fair Credit Reporting Act (15 U.S.C. 168Ih) are amended to read as follows: "(a) IN GENERAL.— "(1) PROPER IDENTIFICATION.— ^A consumer reporting agency shall require, as a condition of making the disclosures required under section 609, that the consumer furnish proper identification. "(2) DISCLOSURE IN WRITING.— Except as provided in subsection (b), the disclosures required to be made under section 609 shall be provided under that section in writing. " (b) OTHER FORMS OF DISCLOSURE.— "(1) IN GENERAL.—If authorized by a consumer, a consumer reporting agency may make the disclosures required under 609— "(A) other than in writing; and "(B) in such form as may be— "(i) specified by the consumer in accordance with paragraph (2); and "(ii) available from the agency. "(2) FORM. —^A consumer may specify pursuant to paragraph (1) that disclosures under section 609 shall be made— "(A) in person, upon the appearance of the consumer at the place of business of the consumer reporting agency where disclosures are regularly provided, during normal business hours, and on reasonable notice; "(B) by telephone, if the consumer has made a written request for disclosure by telephone; "(C) by electronic means, if available from the agency; or "(D) by any other reasonable means that is available from the agency.". (2) SIMPLIFIED DISCLOSURE. —Not later than 90 days after 15 USC I68ig the date of enactment of this Act, each consumer reporting °ote. agency shall develop a form on which such consumer reporting agency shall make the disclosures required under section 609(a)
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