,i  #aai? ,,congress  #a/ ,session  ,h4 
,r4 #ejhc  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,septemb] #b1         
#bjbe,mr4 ,fields introduc$ ! foll[+    
bill2 :i* 0 ref]r$ to ! ,committee on   
,f9ancial ,s]vices  ,a ,,bill  ,to      
require ! ,bureau ( ,consum] ,f9ancial  
,protection & ! ,f$]al ,trade           
,commission to conduct a /udy on use (  
additional key factors 9 cr$it scor+    
models1 & = o!r purposes4  #a4 ,/udy on 
use ( additional key factors 9 cr$it    
scor+ models  7a7 ,9 g5]al ,n lat] ?an  
,decemb] #ca1 #bjbe1 ! ,director ( !    
,bureau ( ,consum] ,f9ancial ,protection
 & ! ,*airman ( ! ,f$]al ,trade         
,commission %all jo9tly submit to       
,congress a report on-- 7#a7 ! use (    
cr$it scor+ models t include            
consid]ation ( key factors describ$ 9   
subsection 7b72 &  7#b7 h[ su* models   
affect ! ways 9 :i* a cr$itor evaluates 
! cr$itwor?9ess ( a consum]4  7b7 ,key  
factors ,! key factors describ$ 9 ?is   
subsection are z foll[s3  7#a7 ,brok]age

 acc\nt /atem5ts4  7#b7 ,paym5t hi/ory =
 in/allm5t contracts1 su* z ,buy ,n[1   
,pay ,lat] in/allm5t contracts4  7#c7   
,electronic b5efit transf] sy/em 7z     
def9$ 9 section #ijd7;d77#b77;,a77i7 ( !
 ,electronic ,fund ,transf] ,act 7#ae   
,u4,s4,c4 #afic;b7d77#b77;,a77i777      
transaction records4  7#d7 ,r5tal paym5t
 hi/ory4  7#e7 ,utility paym5t hi/ory4  
7#f7 ,telecom & subscription-s]vice     
paym5t hi/ory4  7#g7 ,transaction data f
 depository in/itution 7z def9$ 9       
section #c7;a7 ( ! ,f$]al ,deposit      
,insurance ,act 7#ab ,u4,s4,c4          
#ahac7;a777 & cr$it union acc\nts4  7#h7
 ,payroll deposit or data on ! frequ5cy 
) :i* an employee makes deposits to an  
acc\nt ( a consum]4  7#i7 ,paym5t hi/ory
 = insurance4  7#aj7 ,public record data
 relat+ to prop]ty own]%ip1 bus9ess     
lic5ses1 & c\rt fil+s relat+ to assets  
or real prop]ty4  7#aa7 ,pe]-to-pe]     
f9ancial transaction activity4  7c7     
,def9itions ,9 ?is ,act3  7#a7 ,cr$it   
scor+ model ,! t]m cr$it scor+ model    

means a model = develop+ a cr$it score  
7z def9$ 9 section #fji7;f77#b77;,a7 ( !
 ,fair ,cr$it ,report+ ,act 7#ae        
,u4,s4,c4 #afha;g7f77#b77;,a7774  7#b7  
,key factor ,! t]m key factor has !     
mean+ giv5 9 section #fji7;f77#b77;,b7 (
 ! ,fair ,cr$it ,report+ ,act 7#ae      
,u4,s4,c4 #afha;g7f77#b77;,b774