,i  #aaf? ,,congress  #b;d ,session  ,h4
 ,r4 #hjci  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,augu/ #ad1 #bjbj,ms4 
,fudge 7= h]self & ,mrs4 ,beatty7       
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,f9ancial ,s]vices  ,a 
,,bill  ,to require ! ,bureau ( ,consum]
 ,f9ancial ,protection to conduct an    
assessm5t ( ! use ( c]ta9 educational   
data 9 det]m9+ ! cr$itwor?9ess ( an     
applicant1 & = o!r purposes4  #a4 ,%ort 
title ,?is ,act may be cit$ z ! ,exam9+ 
,educational ,r$l9+ 9 ,l5d+ ,act4  #b4  
,assessm5t ( c]ta9 educational data  7a7
 ,assessm5t ,n lat] ?an #ahj days aft] !
 date ( ! enactm5t ( ?is ,act & annually
 !reaft]1 ! ,bureau ( ,consum] ,f9ancial
 ,protection 7ref]r$ to 9 ?is section z 
! ,bureau7 %all1 9 coord9ation )        
relevant executive ag5cies & national   
civil rights /akehold]s1 assess-- 7#a7 !
 use ( c]ta9 educational data by cov]$  
p]sons 9 det]m9+ ! cr$itwor?9ess ( an   
applicant2  7#b7 ! use ( an und]writ+   
process t involves ga!r+ data po9ts &   

creat+ applicant pr(iles1 includ+       
automat$ or algori?mic processes1 & !   
risks ( su* use1 by cov]$ p]sons to     
det]m9e ! cr$itwor?9ess ( an applicant2 
&  7#c7 :at policies & guidel9es are 9  
place to ensure decisions d n result 9 a
 disp>ate impact on a protect$ class4   
7b7 ,report to ,congress ,n lat] ?an #fj
 days aft] ! completion ( ea* assessm5t 
requir$ "u subsection 7a7 & annually    
!reaft]1 ! ,bureau %all submit to !     
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives & ! ,committee  
on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! 
,s5ate ! f9d+s ( su* assessm5t & any    
recomm5dations bas$ on su* f9d+s4  7c7  
,publication ,n lat] ?an #cj days aft] !
 completion ( ! assessm5t requir$ "u    
subsection 7a71 ! ,bureau %all make     
available on a publicly accessible      
website-- 7#a7 ! f9d+s ( ! assessm5t "u 
subsection 7a72  7#b7 a li/ ( all cov]$ 
p]sons t use c]ta9 educational data2 &  
7#c7 a li/ ( all cov]$ p]sons t use an  
und]writ+ process t involves ga!r+ data 

po9ts & creat+ applicant pr(iles1       
includ+ automat$ or algori?mic          
processes1 to det]m9e ! cr$itwor?9ess ( 
an applicant4  7d7 ,def9itions ,9 ?is   
section3 7#a7 ,applicant's backgr\nd ,! 
t]m applicant's backgr\nd includes data 
relat$ to or d]iv$ f ! foll[+3 7,a7     
,att5dance at an academic in/itution4   
7,b7 ,academic majors pursu$ at an      
academic in/itution4  7,c7 ,grades or   
te/ scores f or us$ = admission into an 
academic in/itution4  7,d7 ,educational 
atta9m5t4  7#b7 ,c]ta9 educational data 
,! t]m c]ta9 educational data means     
data1 includ+ non-individualiz$ data1 t 
indicates or is creat$1 d]iv$1 or inf]r$
 f an applicant's backgr\nd includ+ :e!r
 an applicant has att5d$ any ( ! foll[+3
 7,a7 ,an eligible in/itution4  7,b7 ,a 
junior or community college4  7#c7      
,cov]$ p]son ,! t]m cov]$ p]son has !   
mean+ giv5 su* t]m 9 section #ajjb ( !  
,consum] ,f9ancial ,protection ,act (   
#bjaj 7#ab ,u4,s4,c4 #edha74  7#d7      
,eligible in/itution ,! t]m eligible    

in/itution has ! mean+ giv5 t t]m 9     
section #cga7;a7 ( ! ,high] ,education  
,act ( #aife 7#bj ,u4,s4,c4 #ajfgq7a774 
7#e7 ,junior or community college ,! t]m
 junior or community college has ! mean+
 giv5 t t]m 9 section #cab7;f7 ( !      
,high] ,education ,act ( #aife 7#bj     
,u4,s4,c4 #ajeh7;f774