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This bill establishes an Office of Cybersecurity within the Federal Trade Commission to supervise data security at major consumer reporting agencies. It requires the FTC to promulgate regulations setting cybersecurity standards for covered agencies, including requirements for encryption, vulnerability management, and compliance with the National Institute of Standards and Technology cybersecurity framework. The bill also imposes penalties on credit reporting agencies that experience data breaches and requires notification to the FTC, law enforcement, and affected consumers within specified timeframes.
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