Page 712 — Public Law 111-203 including PTFA amendments

124 STAT. 2086 PUBLIC LAW 111–203—JULY 21, 2010

(2) in subsection (f), by striking ‘‘Board.’’ each place that term appears and inserting the following: ‘‘Board, jointly with the Director of the Bureau of Consumer Financial Protection.’’. (c) AMENDMENTS TO SECTION 605.—Section 605 of the Expedited Funds Availability Act (12 U.S.C. 4004) is amended— (1) by inserting after ‘‘Board’’ each place that term appears, other than in the heading for section 605(f)(1), the following: ‘‘, jointly with the Director of the Bureau of Consumer Financial Protection,’’; and (2) in subsection (f)(1), in the paragraph heading, by inserting ‘‘AND BUREAU’’ after ‘‘BOARD’’. (d) AMENDMENTS TO SECTION 609.—Section 609 of the Expe- dited Funds Availability Act (12 U.S.C. 4008) is amended: (1) in subsection (a), by inserting after ‘‘Board’’ the following ‘‘, jointly with the Director of the Bureau of Consumer Financial Protection,’’; and (2) by striking subsection (e) and inserting the following: ‘‘(e) CONSULTATIONS.—In prescribing regulations under sub- sections (a) and (b), the Board and the Director of the Bureau of Consumer Financial Protection, in the case of subsection (a), and the Board, in the case of subsection (b), shall consult with the Comptroller of the Currency, the Board of Directors of the Federal Deposit Insurance Corporation, and the National Credit Union Administration Board.’’. (e) EXPEDITED FUNDS AVAILABILITY IMPROVEMENTS.—Section 603 of the Expedited Funds Availability Act (12 U.S.C. 4002) is amended— (1) in subsection (a)(2)(D), by striking ‘‘$100’’ and inserting ‘‘$200’’; and (2) in subsection (b)(3)(C), in the subparagraph heading, by striking ‘‘$100’’ and inserting ‘‘$200’’; and (3) in subsection (c)(1)(B)(iii), in the clause heading, by striking ‘‘$100’’ and inserting ‘‘$200’’. (f) REGULAR ADJUSTMENTS FOR INFLATION.—Section 607 of the Expedited Funds Availability Act (12 U.S.C. 4006) is amended by adding at the end the following: Deadline. ‘‘(f) ADJUSTMENTS TO DOLLAR AMOUNTS FOR INFLATION.—The dollar amounts under this title shall be adjusted every 5 years after December 31, 2011, by the annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers, as published by the Bureau of Labor Statistics, rounded to the nearest multiple of $25.’’.

SEC. 1087. AMENDMENTS TO THE FAIR CREDIT BILLING ACT.
15 USC 1666, The Fair Credit Billing Act (15 U.S.C. 1666–1666j) is amended
1666c, 1666j. by striking ‘‘Board’’ each place that term appears, other than in
section 105(i) (as added by this subtitle) and inserting ‘‘Bureau’’.

SEC. 1088. AMENDMENTS TO THE FAIR CREDIT REPORTING ACT AND
THE FAIR AND ACCURATE CREDIT TRANSACTIONS ACT
OF 2003.
(a) FAIR CREDIT REPORTING ACT.—The Fair Credit Reporting
Act (15 U.S.C. 1681 et seq.) is amended—
(1) in section 603 (15 U.S.C. 1681a)—

LAWS (A) by redesignating subsections (w) and (x) as sub- sections (x) and (y), respectively; and (B) by inserting after subsection (v) the following:PUBLIC with on anorris VerDate Nov 24 2008 18:46 Sep 08, 2010 Jkt 089139 PO 00203 Frm 00712 Fmt 6580 Sfmt 6581 E:\PUBLAW\PUBL203.111 PUBL203