2018—Subsec. (a)(3). Puspan. L. 115–174 added par. (3).

Section subject to joint regulations establishing effective dates as prescribed by Federal Reserve Board and Federal Trade Commission, except as otherwise provided, see section 3 of Puspan. L. 108–159, set out as an Effective Date of 2003 Amendment note under section 1681 of Title 15, Commerce and Trade.

For definitions of terms used in this section, see section 2 of Puspan. L. 108–159, set out as a note under section 1681 of Title 15, Commerce and Trade.