Pub. L. No. 115-174, codified in relevant part primarily at 15 U.S.C. 1650, 1681c, 1681c-1, 1681i and 42 U.S.C. 405b
This act includes a number of changes to the Fair Credit Reporting Act and other lending-related laws, many of which affect consumers and the FTC. In particular: Title III amends the FCRA regarding free security freezes, protections regarding veterans' medical debt, free credit monitoring for active duty military consumers, and immunity from suit for certain persons for disclosing suspected abuse of seniors. The FTC must issue a rule implementing the military credit monitoring provisions, and must also provide a webpage linking to mandated consumer reporting agency pages that allow consumers to request security freezes, fraud alerts, and opt-out from credit report disclosure for certain advertising. Section 215 is aimed at reducing synthetic ID theft and is enforced by the FTC with respect to entities under its GLB jurisdiction. Title VI provides protections for student borrowers if a cosigner dies, and for a cosigner if the borrower dies.