‘‘(iii) the detriment such failure to 
publish by the required deadline will have 
on consumers and other affected parties. 
‘‘(G) UNIFORM
IMPLEMENTATION
AND
IN-
TERPRETATION.—It is the intention of the Con-
gress that the agencies and authorities described 
in subsection (l)(1)(G) will implement and inter-
pret their enforcement regulations, including any 
exceptions provided under subparagraph (D), in 
a uniform manner. 
‘‘(5) APPROPRIATE EXEMPTIONS OR MODIFICA-
TIONS.—The Secretary of the Treasury, the Board of 
Governors of the Federal Reserve System, and the 
Commission, in consultation with the Administrator 
of the Small Business Administration and the func-
tional regulatory agencies, shall provide appropriate 
exemptions or modifications from requirements of this 
section relating to sensitive financial personal infor-
mation for consumer reporters that do not maintain, 
service, or communicate a large quantity of such in-
formation, taking into account the degree of sensi-
tivity of such information, the likelihood of misuse, 
and the degree of potential harm or inconvenience to 
the related consumer. 
‘‘(6) COORDINATION.— 
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‘‘(A) IN GENERAL.—Each functional regu-
latory agency shall consult and coordinate with 
each other functional regulatory agency so that, 
to the extent possible, the regulations prescribed 
by each agency are consistent and comparable. 
‘‘(B) MODEL REGULATIONS.—In prescribing 
implementing regulations under paragraph (1), 
the functional regulatory agencies agencies re-
ferred to in such paragraph shall use the 
Gramm-Leach-Bliley Act (including the guid-
ance and regulations issued thereunder) as a 
base, adding such other consumer protections as 
appropriate under this section. 
‘‘(l) ADMINISTRATIVE ENFORCEMENT.— 
‘‘(1) IN GENERAL.—Notwithstanding section 616, 
617, or 621, compliance with this section and the reg-
ulations prescribed under this section shall be en-
forced by the functional regulatory agencies with re-
spect to financial institutions and other persons sub-
ject to the jurisdiction of each such agency under ap-
plicable law, as follows: 
‘‘(A) Under section 8 of the Federal Deposit 
Insurance Act, in the case of— 
‘‘(i) national banks, Federal branches 
and Federal agencies of foreign banks, and 
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any subsidiaries of such entities (except bro-
kers, dealers, persons providing insurance, 
investment companies, and investment ad-
visers), by the Comptroller of the Currency; 
‘‘(ii) member banks of the Federal Re-
serve System (other than national banks), 
branches and agencies of foreign banks 
(other than Federal branches, Federal agen-
cies, and insured State branches of foreign 
banks), 
commercial 
lending 
companies 
owned or controlled by foreign banks, orga-
nizations operating under section 25 or 25A 
of the Federal Reserve Act, and bank hold-
ing companies and their nonbank subsidi-
aries or affiliates (except brokers, dealers, 
persons providing insurance, investment 
companies, and investment advisers), by the 
Board of Governors of the Federal Reserve 
System; 
‘‘(iii) banks insured by the Federal De-
posit Insurance Corporation (other than 
members of the Federal Reserve System), in-
sured State branches of foreign banks, and 
any subsidiaries of such entities (except bro-
kers, dealers, persons providing insurance, 
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investment companies, and investment ad-
visers), by the Board of Directors of the 
Federal Deposit Insurance Corporation; and 
‘‘(iv) savings associations the deposits 
of which are insured by the Federal Deposit 
Insurance Corporation, and any subsidi-
aries of such savings associations (except 
brokers, dealers, persons providing insur-
ance, investment companies, and investment 
advisers), by the Director of the Office of 
Thrift Supervision. 
‘‘(B) Under the Federal Credit Union Act, 
by the Board of the National Credit Union Ad-
ministration with respect to any federally in-
sured credit union, and any subsidiaries of such 
an entity. 
‘‘(C) Under the Securities Exchange Act of 
1934, by the Securities and Exchange Commis-
sion with respect to any broker, dealer, or 
nonbank transfer agent. 
‘‘(D) Under the Investment Company Act of 
1940, by the Securities and Exchange Commis-
sion with respect to investment companies. 
‘‘(E) Under the Investment Advisers Act of 
1940, by the Securities and Exchange Commis-
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sion with respect to investment advisers reg-
istered with the Commission under such Act. 
‘‘(F) Under the provisions of title XIII of 
the Housing and Community Development Act of 
1992, by the Director of the Office of Federal 
Housing Enterprise Oversight (and any suc-
cessor to such functional regulatory agency) with 
respect to the Federal National Mortgage Asso-
ciation, the Federal Home Loan Mortgage Cor-
poration, and any other entity or enterprise or 
bank (as defined in such title XIII) subject to the 
jurisdiction of such functional regulatory agency 
under such title, including any affiliate of any 
such enterprise. 
‘‘(G) Under State insurance law, in the case 
of any person engaged in the business of insur-
ance, by the applicable State insurance authority 
of the State in which the person is domiciled. 
‘‘(H) Under the Federal Home Loan Bank 
Act, by the Federal Housing Finance Board 
(and any successor to such functional regulatory 
agency) with respect to the Federal home loan 
banks and any other entity subject to the juris-
diction of such functional regulatory agency, in-
cluding any affiliate of any such bank. 
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‘‘(I) Under the Federal Trade Commission 
Act, by the Commission for any other person 
that is not subject to the jurisdiction of any 
agency or authority under subparagraphs (A) 
through (G) of this subsection, except that for the 
purposes of this subparagraph a violation of this 
section shall be treated as an unfair and decep-
tive act or practice in violation of a regulation 
under section 18(a)(1)(B) of the Federal Trade 
Commission Act regarding unfair or deceptive 
acts or practices. 
‘‘(2) EXERCISE OF CERTAIN POWERS.—For the 
purpose of the exercise by any agency referred to in 
paragraph (1) of its powers under any Act referred 
to in such paragraph, a violation of any requirement 
imposed under this section shall be deemed to be a 
violation of a requirement imposed under that Act. In 
addition to its powers under any provision of law 
specifically referred to in paragraph (1), each of the 
agencies referred to in that paragraph may exercise, 
for the purpose of enforcing compliance with any re-
quirement imposed under this section, any other au-
thority conferred on it by law. 
‘‘(3) USE OF UNDISTRIBUTED FUNDS FOR FINAN-
CIAL EDUCATION.—If— 
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‘‘(A) in connection with any administrative 
action under this section, a fund is created or a 
functional 
regulatory 
agency 
has 
obtained 
disgorgement; and 
‘‘(B) the functional regulatory agency deter-
mines that— 
‘‘(i) due to the size of the fund to be 
distributed, the number of individuals af-
fected, the nature of the underlying viola-
tion, or for other reasons, it would be infea-
sible to distribute such fund or disgorgement 
to the victims of the violation; or 
‘‘(ii) there are excess monies remaining 
after the distribution of the fund or 
disgorgement to victims, 
the functional regulatory agency may issue an order 
in an administrative proceeding requiring that the 
undistributed amount of the fund or disgorgement be 
used in whole or in part by the functional regulatory 
agency for education programs and outreach activi-
ties of consumer groups, community based groups, 
and the Financial Literacy and Education Commis-
sion established under the Fair and Accurate Credit 
Transactions Act of 2003 that are consistent with and 
further the purposes of this title. 
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‘‘(m) DEFINITIONS.—For purposes of this section, the 
following definitions shall apply: 
‘‘(1) BREACH
OF
DATA
SECURITY.—The term 
‘breach of data security’ or ‘data security breach’ 
means any loss, unauthorized acquisition, or misuse 
of sensitive financial personal information handled by 
a consumer reporter that could be misused to commit 
financial fraud (such as identity theft or fraudulent 
transactions made on financial accounts) in a man-
ner causing harm or inconvenience to a consumer. 
‘‘(2) CONSUMER.—The term ‘consumer’ means 
an individual. 
‘‘(3) 
CONSUMER
REPORTER
AND
RELATED 
TERMS.— 
‘‘(A) CONSUMER FINANCIAL FILE AND CON-
SUMER REPORTS.—The term ‘consumer financial 
file and consumer reports’ includes any written, 
oral, or other communication of any information 
by a consumer reporter bearing on a consumer’s 
credit worthiness, credit standing, credit capac-
ity, character, general reputation, personal char-
acteristics, personal identifiers, financial account 
information, or mode of living. 
‘‘(B) CONSUMER
REPORTER.—The term 
‘consumer reporter’ means any consumer report-
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ing agency or financial institution, or any per-
son which, for monetary fees, dues, on a coopera-
tive nonprofit basis, or otherwise regularly en-
gages in whole or in part in the practice of as-
sembling or evaluating consumer financial file 
and consumer reports, consumer credit informa-
tion, or other information on consumers, for the 
purpose of furnishing consumer reports to third 
parties or to provide or collect payment for or 
market products and services, or for employment 
purposes, and which uses any means or facility 
of interstate commerce for such purposes. 
‘‘(4) FINANCIAL INSTITUTION.—The term ‘finan-
cial institution’ means— 
‘‘(A) any person the business of which is en-
gaging in activities that are financial in nature 
as described in or determined under section 4(k) 
of the Bank Holding Company Act; 
‘‘(B) any person that is primarily engaged 
in activities that are subject to the Fair Credit 
Reporting Act; and 
‘‘(C) any person that is maintaining, re-
ceiving, or communicating sensitive financial 
personal information on an ongoing basis for the 
purposes of engaging in interstate commerce. 
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‘‘(5) FUNCTIONAL
REGULATORY
AGENCY.—The 
term ‘functional regulatory agency’ means any agen-
cy described in subsection (l) with respect to the fi-
nancial institutions and other persons subject to the 
jurisdiction of such agency. 
‘‘(6) HANDLED BY.—The term ‘handled by’ in-
cludes with respect to sensitive financial personal in-
formation, any access to or generation, maintenance, 
servicing, or ownership of such information, as well 
as any transfer to or allowed access to or similar 
sharing or servicing of such information by or with 
a third party on a consumer reporter’s behalf. 
‘‘(7) NATIONWIDE CONSUMER REPORTING AGEN-
CY.—The term ‘nationwide consumer reporting agen-
cy’ means— 
‘‘(A) a consumer reporting agency described 
in section 603(p); 
‘‘(B) any person who notifies the Commis-
sion that the person reasonably expects to become 
a consumer reporting agency described in section 
603(p) within a reasonable time; and 
‘‘(C) a consumer reporting agency described 
in section 603(w) that notifies the Commission 
that the person wishes to receive breach of data 
security notices under this section that involve 
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information of the type maintained by such 
agency. 
‘‘(8) NEURAL NETWORK.—The term ‘neural net-
work’ means an information security program that 
monitors financial account transactions for potential 
fraud, using historical patterns to analyze and iden-
tify suspicious financial account transactions. 
‘‘(9) SENSITIVE FINANCIAL ACCOUNT INFORMA-
TION.—The term ‘sensitive financial account informa-
tion’ means a financial account number of a con-
sumer, such as a credit card number or debit card 
number, in combination with any required security 
code, access code, biometric code, password, or other 
personal identification information that would allow 
access to the financial account. 
‘‘(10) SENSITIVE FINANCIAL IDENTITY INFORMA-
TION.—The term ‘sensitive financial identity infor-
mation’ means the first and last name, the address, 
or the telephone number of a consumer, in combina-
tion with any of the following of the consumer: 
‘‘(A) Social Security number. 
‘‘(B) Driver’s license number or equivalent 
State identification number. 
‘‘(C) IRS Individual Taxpayer Identifica-
tion Number. 
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‘‘(D) IRS Adoption Taxpayer Identification 
Number. 
‘‘(E) The consumer’s deoxyribonucleic acid 
profile or other unique biometric data, including 
fingerprint, voice print, retina or iris image, or 
any other unique physical representation. 
‘‘(11) SENSITIVE FINANCIAL PERSONAL INFORMA-
TION.—The term ‘sensitive financial personal infor-
mation’ means any information that is sensitive fi-
nancial account information, sensitive financial iden-
tity information, or both. 
‘‘(12) HARM
OR
INCONVENIENCE.—The term 
‘harm or inconvenience’, with respect to a consumer, 
means financial loss to or civil or criminal penalties 
imposed on the consumer or the need for the consumer 
to expend significant time and effort to correct erro-
neous information relating to the consumer, including 
information maintained by consumer reporting agen-
cies, financial institutions, or government entities, in 
order to avoid the risk of financial loss or increased 
costs or civil or criminal penalties. 
‘‘(n) RELATION TO STATE LAWS.— 
‘‘(1) IN GENERAL.—No requirement or prohibi-
tion may be imposed under the laws of any State 
with respect to the responsibilities of any consumer 
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reporter or the functional equivalent of such respon-
sibilities— 
‘‘(A) to protect the security or confiden-
tiality of information on consumers maintained 
by or on behalf of the person; 
‘‘(B) to safeguard such information from 
potential misuse; 
‘‘(C) to investigate or provide notices of any 
unauthorized access to information concerning 
the consumer, or the potential misuse of such in-
formation, for fraudulent purposes; 
‘‘(D) to mitigate any loss or harm resulting 
from such unauthorized access or misuse; or 
‘‘(E) involving restricting credit reports 
from being provided, or imposing any require-
ment on such provision, for a permissible pur-
pose pursuant to section 604, such as— 
‘‘(i) the responsibilities of a consumer 
reporting agency to honor a request, or 
withdrawal of such a request, to prohibit 
the consumer reporting agency from releas-
ing any type of information from the file of 
a consumer; 
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‘‘(ii) the process by which such a re-
quest or withdrawal of such a request is 
made, honored, or denied; 
‘‘(iii) any notice that is required to be 
provided to the consumer in connection with 
such a request or withdrawal of such a re-
quest; or 
‘‘(iv) the ability of a consumer report-
ing agency to update or change information 
in a consumer’s file as a result of such a re-
quest or withdrawal of such a request; or 
‘‘(v) the responsibilities of third parties 
if information from a consumer’s file is un-
available as a result of such a request. 
‘‘(2) EXCEPTION FOR CERTAIN STATE LAWS.— 
Paragraph (1) shall not apply with respect to— 
‘‘(A) State laws governing professional con-
fidentiality; or 
‘‘(B) State privacy laws limiting the pur-
poses for which information may be disclosed. 
‘‘(3) EXCEPTION FOR CERTAIN COVERED ENTI-
TIES.—Paragraph (1) shall not apply with respect to 
the entities described in subsection (l)(1)(G) to the ex-
tent that such entities are acting in accordance with 
subsection (k)(4)(G) in a manner that is consistent 
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with this section and the implementation of this sec-
tion by the regulators described in subsection (k)(1).’’. 
(b) CLERICAL AMENDMENT.—The table of sections for 
the Fair Credit Reporting Act is amended by inserting after 
the item relating to section 629 the following new item: 
‘‘630. Data security safeguards.’’. 
(c) EFFECTIVE DATE.—The provisions of section 630 
of the Fair Credit Reporting Act (as added by this section), 
other than subsection (k) of such section, shall take effect 
on the date of publication of the regulations required under 
paragraph (3) of such subsection, with respect to any person 
under the jurisdiction of each regulatory agency publishing 
such regulations. 
SEC. 3. NATIONAL SUMMIT ON DATA SECURITY. 
Not later than April 30, 2008, the President or the des-
ignee of the President shall convene a National Summit on 
Data Security Safeguards for Sensitive Personal Financial 
Information in the District of Columbia. 
SEC. 4. GAO STUDY. 
(a) STUDY
REQUIRED.—The Comptroller General 
shall conduct a study to determine a system that would pro-
vide notices of data breaches to consumers in languages 
other than English and identify what barriers currently 
exist to the implementation of such a system. 
(b) REPORT.—The Comptroller General shall submit 
a report to the Congress before the end of the 1-year period 
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beginning on the date of the enactment of this Act con-
taining the findings and conclusion of the study under sub-
section (a) and such recommendations for legislative and 
administrative action as the Comptroller General may de-
termine to be appropriate. 
SEC. 5. ENHANCED DATA COLLECTION ON DATA SECURITY 
BREACHES AND ACCOUNT FRAUD. 
In order to improve law enforcement efforts relating 
to data security breaches and fighting identity theft and 
account fraud, the Federal Trade Commission shall compile 
information on the race and ethnicity of consumers, as de-
fined and volunteered by the consumers, who are victims 
of identity theft, account fraud, and other types of financial 
fraud. The Commission shall consult with the various inter-
national, national, State, and local law enforcement officers 
and agencies who work with such victims for the purpose 
of enlisting the cooperation of such officers and agencies in 
the compilation of such information. Notwithstanding any 
other provision of law, such compilation of information 
shall be made available exclusively to the Commission and 
law enforcement entities. 
SEC. 6. CLARIFICATION RELATING TO CREDIT MONITORING 
SERVICES. 
(a) IN GENERAL.—Section 403 of the Credit Repair 
Organizations Act (15 U.S.C. 1679a) is amended— 
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(1) by striking ‘‘For purposes of this title’’ and 
inserting ‘‘(a) IN GENERAL.—For purposes of this 
title’’; and 
(2) by adding at the end the following new sub-
section: 
‘‘(b) CLARIFICATION WITH RESPECT
TO CERTAIN 
CREDIT MONITORING SERVICES UNDER CERTAIN CIR-
CUMSTANCES.— 
‘‘(1) IN GENERAL.—Subject to paragraph (2)— 
‘‘(A) the provision of, or provision of access 
to, credit reports, credit monitoring notifications, 
credit scores and scoring algorithms, and other 
credit score-related tools to a consumer (includ-
ing generation of projections and forecasts of 
such consumer’s potential credit scores under 
various prospective trends or hypothetical or al-
ternative scenarios); 
‘‘(B) any analysis, evaluation, and expla-
nation of such actual or hypothetical credit 
scores, or any similar projections, forecasts, 
analyses, evaluations or explanations; or 
‘‘(C) in conjunction with offering any of the 
services described in subparagraph (A) or (B), 
the provision of materials or services to assist a 
consumer who is a victim of identity theft, 
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shall not be treated as activities described in clause 
(i) of subsection (a)(3)(A). 
‘‘(2) CONDITIONS
FOR
APPLICATION
OF
PARA-
GRAPH (1).—Paragraph (1) shall apply with respect 
to any person engaging in any activity described in 
such paragraph only if— 
‘‘(A) the person does not represent, expressly 
or by implication, that such person— 
‘‘(i) will or can modify or remove, or 
assist the consumer in modifying or remov-
ing, adverse information that is accurate 
and not obsolete in the consumer’s credit re-
port; or 
‘‘(ii) will or can alter, or assist the 
consumer in altering, the consumer’s identi-
fication to prevent the display of the con-
sumer’s credit record, history, or rating for 
the purpose of concealing adverse informa-
tion that is accurate and not obsolete; 
‘‘(B) in any case in which the person rep-
resents, expressly or by implication, that it will 
or can modify or remove, or assist the consumer 
in modifying or removing, any information in 
the consumer’s credit report, except for a rep-
resentation with respect to any requirement im-
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posed on the person under section 611 or 623(b) 
of the Fair Credit Reporting Act, the person dis-
closes, clearly and conspicuously, before the con-
sumer pays or agrees to pay any money or other 
valuable consideration to such person, whichever 
occurs first, the following statement: 
‘‘ ‘NOTICE: Neither you nor any-
one else has the right to have accurate 
and current information removed from 
your credit report. If information in 
your report is inaccurate, you have the 
right to dispute it by contacting the 
credit bureau directly.’; 
‘‘(C) the person provides the consumer in 
writing with the following statement before any 
contract or agreement between the consumer and 
the person is executed: 
‘‘ ‘Your Rights Concerning Your Con-
sumer Credit File 
‘‘ ‘You have a right to obtain a free 
copy of your credit report once every 12 
months from each of the nationwide con-
sumer reporting agencies. To request your 
free annual credit report, you may go to 
www.annualcreditreport.com, or call 877– 
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322–8228, or complete the Annual Credit 
Report Request Form and mail it to: An-
nual Credit Report Request Service, P.O. 
Box 105281, Atlanta, GA 30348–5281. You 
can obtain additional copies of your credit 
report from a credit bureau, for which you 
may be charged a reasonable fee. There is 
no fee, however, if you have been turned 
down for credit, employment, insurance, or 
a rental dwelling because of information in 
your credit report within the preceding 60 
days. The credit bureau must provide some-
one to help you interpret the information in 
your credit file. You are entitled to receive 
a free copy of your credit report if you are 
unemployed and intend to apply for em-
ployment in the next 60 days, if you are a 
recipient of public welfare assistance, or if 
you have reason to believe that there is in-
accurate information in your credit report 
due to fraud. 
‘‘ ‘You have the right to cancel your 
contract with a credit monitoring service 
without fee or penalty at any time, and in 
the case in which you have prepaid for a 
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credit monitoring service, you are entitled 
to a pro rata refund for the remaining term 
of the credit monitoring service. 
‘‘ ‘The Federal Trade Commission regu-
lates credit bureaus and credit monitoring 
services. For more information contact: 
‘‘ ‘Federal Trade Commission 
‘‘ ‘Washington, D.C. 20580 
‘‘ ‘1–877–FTC-HELP 
‘‘ ‘www.ftc.gov.’; and 
‘‘(D) in any case in which the person offers 
a subscription to a credit file monitoring pro-
gram to a consumer, the consumer may cancel 
the subscription at any time upon written notice 
to the person without penalty or fee for such can-
cellation and, in any case in which the consumer 
is billed for the subscription on other than a 
monthly basis, within 60 days of receipt of the 
consumer’s notice of cancellation, the person 
shall make a pro rata refund to the consumer of 
a subscription fee prepaid by the consumer, cal-
culated from the date that the person receives the 
consumer’s notice of cancellation until the end of 
the subscription period.’’. 
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(b) CLARIFICATION OF NONEXEMPT STATUS.—Section 
403(a) of the Credit Repair Organizations Act (15 U.S.C. 
1679a) (as so redesignated by subsection (a) of this section) 
is amended, in paragraph (3)(B)(i), by inserting ‘‘and is 
not for its own profit or for that of its members’’ before 
the semicolon at the end. 
(c) REVISION OF DISCLOSURE REQUIREMENT.—Sec-
tion 405(a) of the Credit Repair Organizations Act (15 
U.S.C. 1679c) is amended by striking everything after the 
heading of the disclosure statement contained in such sec-
tion and inserting the following new text of the disclosure 
statement: 
‘‘ ‘You have a right to dispute inaccurate infor-
mation in your credit report by contacting the credit 
bureau directly. However, neither you nor any ‘‘credit 
repair’’ company or credit repair organization has 
the right to have accurate, current, and verifiable in-
formation removed from your credit report. The credit 
bureau must remove accurate, negative information 
from your report only if it is over 7 years old. Bank-
ruptcy information can be reported for 10 years. 
‘‘ ‘You have a right to obtain a free copy of your 
credit report once every 12 months from each of the 
nationwide consumer reporting agencies. To request 
your free annual credit report, you may go to 
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www.annualcreditreport.com, or call 877–322–8228, 
or complete the Annual Credit Report Request Form 
and mail it to: Annual Credit Report Request Serv-
ice, P.O. Box 105281, Atlanta, GA 30348–5281. You 
can obtain additional copies of your credit report 
from a credit bureau, for which you may be charged 
a reasonable fee. There is no fee, however, if you have 
been turned down for credit, employment, insurance, 
or a rental dwelling because of information in your 
credit report within the preceding 60 days. The credit 
bureau must provide someone to help you interpret 
the information in your credit file. You are entitled 
to receive a free copy of your credit report if you are 
unemployed and intend to apply for employment in 
the next 60 days, if you are a recipient of public wel-
fare assistance, or if you have reason to believe that 
there is inaccurate information in your credit report 
due to fraud. 
‘‘ ‘You have a right to sue a credit repair organi-
zation that violates the Credit Repair Organization 
Act. This law prohibits deceptive practices by credit 
repair organizations. 
‘‘ ‘You have the right to cancel your contract 
with any credit repair organization for any reason 
within 3 business days from the date you signed it. 
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‘‘ ‘Credit bureaus are required to follow reason-
able procedures to ensure that the information they 
report is accurate. However, mistakes may occur. 
‘‘ ‘You may, on your own, notify a credit bureau 
in writing that you dispute the accuracy of informa-
tion in your credit file. The credit bureau must then 
reinvestigate and modify or remove inaccurate or in-
complete information. The credit bureau may not 
charge any fee for this service. Any pertinent infor-
mation and copies of all documents you have con-
cerning an error should be given to the credit bureau. 
‘‘ ‘If the credit bureau’s reinvestigation does not 
resolve the dispute to your satisfaction, you may send 
a brief statement to the credit bureau, to be kept in 
your file, explaining why you think the record is in-
accurate. The credit bureau must include a summary 
of your statement about disputed information with 
any report it issues about you. 
‘‘ ‘The Federal Trade Commission regulates cred-
it bureaus and credit repair organizations. For more 
information contact: 
‘‘ ‘Federal Trade Commission 
‘‘ ‘Washington, D.C. 20580 
‘‘ ‘1–877–FTC-HELP 
‘‘ ‘(877 382–4357) 
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