To amend the Consumer Financial Protection Act of 2010 to provide consumers with a free annual disclosure of information the Bureau of Consumer Financial Protection maintains on them, and for other purposes.

“(C) Annual disclosure to consumers

“(i) In general—Once during any 12-month period, upon request of a consumer and without charge to the consumer, the Bureau shall clearly and accurately disclose to the consumer, before the end of the 15-day period beginning on the day the request is made, the following:

“(I) All information with respect to the consumer held by the Bureau at the time of the request, except that if the consumer to whom the information relates requests that the first 5 digits of the social security number (or similar identification number) of the consumer not be included in the disclosure, and the Bureau has received appropriate proof of the identity of the requester, the Bureau shall so truncate such number in such disclosure.

“(II) The sources of the information.

“(III) Any person or other Federal department or agency to which the Bureau disclosed information described under subclause (I).

“(ii) Method of request—The Bureau shall allow consumers to make a request under clause (i)—

“(I) online, with a link prominently displayed on the Bureau’s website;

“(II) via United States mail; and

“(III) via a toll-free telephone number established by the Bureau for such purpose.”