“ Subtitle D — Consumer Credit Chapter 1 — Credit Reporting Reform Sec. 2401. Short Title. Sec. 2402. Definitions. Sec. 2403. Furnishing consumer reports; use for employment purposes. Sec. 2404. Use of consumer reports for prescreening and direct marketing; prohibition on unauthorized or uncertified use of information. Sec. 2405. Consumer consent required to furnish consumer report containing medical information. Sec. 2406. Obsolete information and information contained in consumer reports. Sec. 2407. Compliance procedures. Sec. 2408. Consumer disclosures. ”

“ Procedures in case of the disputed accuracy of any information in a consumer's file. Sec. 2410. Charges for certain disclosures. Sec. 2411. Duties of users of consumer reports. Sec. 2412. Civil liability. Sec. 2413. Responsibilities of persons who furnish information to consumer reporting agencies. Sec. 2414. Investigative consumer reports. ”

“ Increase in home mortgage disclosure exemption threshold. Sec. 2226. Elimination of stock loan reporting requirement. Sec. 2227. Credit availability assessment. Chapter 3 — Regulatory Micromanagement Sec. 2241. National bank directors. Sec. 2242. Paperwork reduction review. Sec. 2243. State bank representation on Board of Directors of the FDIC. Sec. 2244. Consultation among examiners. Subtitle C — Regulatory Impact on Cost of Credit and Credit Availability Sec. 2301. Audit Costs. Sec. 2302. Incentives for Self-Testing. Sec. 2303. Qualified Thrift Investment Amendments. ”