,,iv  #aaf? ,,congress  #a/ ,session    
,h4 ,,res4 #gg  ,,9 ,,! ,,h\se ,,(      
,,repres5tatives  ,janu>y #be1 #bjai,ms4
 ,wat]s submitt$ ! foll[+ resolution2   
:i* 0 ref]r$ to ! ,committee on         
,f9ancial ,s]vices  ,,resolution        
,express+ ! s5se ( ,congress t f9ancial 
in/itutions & o!r companies %\ld "w     
proactively ) _! cu/om]s affect$ by !   
%utd[n ( ! ,f$]al ,gov]nm5t :o may be   
fac+ %ort-t]m f9ancial h>d%ip & long-t]m
 damage to _! cr$itwor?9ess ?r\gh no    
fault ( _! own4  ,t x is ! s5se (       
,congress t-- 7#a7 f9ancial in/itutions 
& o!r companies1 su* z consum] report+  
ag5cies & companies engag$ 9 !          
production ( consum] scores1 %\ld "w )  
consum]s affect$ by ! %utd[n ( ! ,f$]al 
,gov]nm5t t began on ,decemb] #bb1      
#bjah2  7#b7 ! negative impact ! %utd[n 
is hav+ on millions ( consum]s & !      
,u4,s4 economy is significant & gr[+2 = 
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 & w cont9ue to r$uce real ,gross 
,dome/ic ,product by #a4b billion ea*   
week ! gov]nm5t %utd[n cont9ues2  7#c7  
f9ancial in/itutions & o!r companies1   
su* z consum] report+ ag5cies &         
companies engag$ 9 ! production (       
consum] scores %\ld provide             
opportunities = consum]s affect$ by !   
%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 9 mak+ timely paym5ts on _!      
debts1 su* z mortgages1 /ud5t loans1 c> 
loans1 cr$it c>ds1 & o!r debt1 z well z 
pay+ = r5t1 food1 transportation1 s*ool 
& o!r basic necessities1 due to !       
tempor>y delay or p]man5t loss ( _!     
income2  7#e7 f9ancial in/itutions %\ld 
consid] waiv+ or r$uc+ p5alty1 late     
paym5t1 & simil> fees z well z ceas+    
=eclosures & provid+ =be>ance = !       
duration ( ! %utd[n1 9 ord] to provide  

quick relief to _! affect$ cu/om]s2     
7#f7 consum]s affect$ by ! %utd[n may be
 exp]i5c+ f9ancial /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$ & 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