123STA T . 1 76 2 PUBLIC LA W 111 – 2 4—M A Y 22 , 2 0 0 9SEC.508 . S TUDYAN D R E PO RTONE M ER G ENCY P I N TEC H NO L OGY. (a)INGE NE RAL.—TheF e d e r a l Trade Com m is sio n, in c ons u l t a - tion w ith the A ttorne y General o f the U nited S tates and the United States Secret Ser v ice, shall conduct a study on the cost-effectiveness of ma k in g availa b le at automated teller machines technology that enables a consumer that is under duress to electronically alert a local law enforcement agency that an incident is taking p lace at such automated teller machine, including— ( 1 ) an emergency personal identification number that would summon a local law enforcement officer to an automated teller machine when entered into such automated teller machine
and ( 2 ) a mechanism on the e x terior of an automated teller machine that, when pressed, would summon a local law enforce- ment to such automated teller machine. (b) C O N T ENT S O F ST UDY .—The study re q uired under subsection (a) shall include— (1) an analysis of any technology described in subsection (a) that is currently available or under development; (2) an estimate of the number and severity of any crimes that could be prevented by the availability of such technology; ( 3 ) the estimated costs of implementing such technology; and ( 4 ) a comparison of the costs and benefits of not fewer than 3 types of such technology. (c) R E P ORT.— N ot later than 9 months after the date of enact- ment of this Act, the Federal Trade Commission shall submit to Congress a report on the findings of the study required under this section that includes such recommendations for legislative action as the Commission determines appropriate. SEC. 50 9 . STUDY AND REPORT ON THE MAR K ETING O F PRODUCTS W ITH CREDIT OFFERS. (a) STUDY.—The Comptroller General of the United States shall conduct a study on the terms, conditions, marketing, and value to consumers of products marketed in con j unction with credit card offers, including— (1) debt suspension agreements; (2) debt cancellation agreements; and (3) credit insurance products. (b) AREAS OF CON C ERN.—The study conducted under this sec- tion shall evaluate— (1) the suitability of the offer of products described in subsection (a) for target customers; (2) the predatory nature of such offers; and (3) specifically for debt cancellation or suspension agree- ments and credit insurance products, loss rates compared to more traditional insurance products. (c) REPORT TO CON G RESS.—The Comptroller shall submit a report to Congress on the results of the study required by this section not later than D ecember 31, 2 0 10. SEC. 5 1 0. FINANCIAL AND ECONOMIC LITERACY. (a) REPORT ON FEDERAL F I NANCIAL AND E CONO M IC L ITERACY EDUCATION P ROGRAMS.— (1) IN GENERAL.—Not later than 9 months after the date of enactment of this Act, the Secretary of Education and the
