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The Bureau issued an interim final rule that adjusted certain model forms under the Fair Credit Reporting Act in light of the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA) amendments to strengthen consumers’ ability to protect themselves from identity theft. To reduce compliance costs and disruption in light of the September 21, 2018, effective date of this amendment, the rule provides various options for amending the affected disclosures to inform consumers that the EGRRCPA created a right to obtain a free "security freeze” from nationwide consumer reporting agencies and extended the length of initial "fraud alerts” that consumers may place on their files with nationwide consumer reporting agencies from 90 days to one year. The interim final rule took effect on September 21, 2018, and the Bureau sought comment on the changes and underlying disclosures.