,h4 ,,res4 #gg  ,9 ! ,h\se (            
,repres5tatives1 ,u4 ,s41  ,janu>y #bi1 
#bjai  ,,resolution  ,t x is ! s5se (   
,congress t-- 7#a7 f9ancial in/itutions 
& o!r entities1 su* z l&lords1 consum]  
report+ ag5cies & companies engag$ 9 !  
production ( consum] scores1 %\ld help  
consum]s affect$ by any %utd[n ( !      
,f$]al ,gov]nm5t1 includ+ ! %utd[n t    
began on ,decemb] #bb1 #bjah2  7#b7 ev5 
) ! rec5t conclusion ( ! %utd[n1 ! p]iod
 ( recov]y has j begun & ! negative     
impact ! %utd[n is hav+ on millions (   
consum]s & ! ,u4,s4 economy is          
significant2 = example1 analysis f ,s,p 
,global ,rat+s e/imates t ! ,u4,s4      
economy has already lo/ m ?an #f billion
 z ( ,janu>y #be1 #bjai1 & if ! %utd[n 7
 to resume 9 a few weeks1 ! analysis    
sugge/s !re w\ld be a fur!r r$uction (  
real ,gross ,dome/ic ,product by #a4b   
billion ea* week ! gov]nm5t is %utd[n2  
7#c7 f9ancial in/itutions & o!r         
companies1 su* z consum] report+ ag5cies
 & companies engag$ 9 ! production (    

consum] scores1 %\ld provide            
opportunities = consum]s affect$ by any 
%utd[n--includ+ ,f$]al employees1       
gov]nm5t contractors1 small bus9esses1 &
 o!r individuals--:o are or w be fac+   
f9ancial di/ress to easily contact &    
al]t !m ( _! situation imm$iately2  7#d7
 affect$ consum]s may face f9ancial     
h>d%ip & emotional di/ress 9 mak+ timely
 paym5ts on _! debts1 su* z mortgages1  
/ud5t loans1 c> loans1 cr$it c>ds1 & o!r
 debt1 z well z pay+ = r5t1 food1       
transportation1 s*ool & o!r basic       
necessities1 due to ! tempor>y delay or 
p]man5t loss ( _! income2  7#e7 to      
provide quick relief to _! affect$      
cu/om]s or t5ants1 f9ancial in/itutions 
& o!r entities1 su* z l&lords1          
respectively1 %\ld = ! duration ( any   
%utd[n1 z well z = a reasonable p]iod ( 
"t foll[+ a %utd[n1 consid] waiv+ or    
r$uc+ p5alty1 late paym5t1 & simil>     
fees2 ceas+ evictions & =eclosures2 &   
provid+ =be>ance2  7#f7 consum]s affect$
 by ! %utd[n1 ^: income are directly or 

indirectly dep5d5t on ! full op]ation ( 
! ,f$]al ,gov]nm5t1 may be exp]i5c+     
f9ancial & emotional /ress ?r\gh no     
fault ( _! own & _! cr$itwor?9ess %\ld n
 be impair$ because ( ! %utd[n2  7#g7   
f9ancial in/itutions & o!r companies1   
su* z consum] report+ ag5cies &         
companies engag$ 9 ! production (       
consum] scores1 %\ld take /eps to prev5t
 adv]se in=mation be+ report$ & utiliz$ 
9 any mann] t h>ms affect$ consum]s1    
includ+ by prev5t+ modifi$ cr$it        
arrangem5ts int5d$ to help consum]s     
fulfill _! f9ancial obligations f be+   
report$ to1 & cod$ by1 consum] report+  
ag5cies on a p]son's cr$it report 9 a   
mann] t hurts ! cr$itwor?9ess ( !       
affect$ consum]s2  7#h7 new products1   
s]vices1 or prud5t work\t arrangem5ts   
design$ to help affect$ consum]s t are  
consi/5t ) safe & s\nd l5d+ practices   
are g5]ally 9 ! long-t]m be/ int]e/ ( ! 
f9ancial in/itution1 ! consum]1 & !     
economy2  7#i7 f9ancial in/itutions %\ld
 "w proactively to id5tify _! cu/om]s :o

 h be5 affect$ by any %utd[n & adopt    
flexible1 prud5t arrangem5ts to help su*
 cu/om]s meet _! debt & o!r obligations2
 &  7#aj7 prud5t ef=ts to adopt flexible
 work\t arrangem5ts = affect$ consum]s  
%\ld n be subject to exam9] criticism or
 negative exam9ations4  ,cl]k4