report by less than 180 calendar days. . (c) Technical amendment Section 604(g)(1)(C) of the Fair Credit Reporting Act ( 15 U.S.C. 1681b(g)(1)(C) ) is further amended by striking devises and inserting devices . 404. Provides credit restoration for victims of predatory mortgage lending and servicing (a) In general The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq.) is amended by inserting after section 605B the following new section: 605C. Credit restoration for victims of predatory mortgage lending (a) In general A consumer reporting agency may not furnish any consumer report containing any adverse item of information relating to a covered residential mortgage loan (including the origination and servicing of such a loan, any loss mitigation activities related to such a loan, and any foreclosure, deed in lieu of foreclosure, or short sale related to such a loan), if the action or inaction to which the item of information relates— (1) resulted from an unfair, deceptive, or abusive act or practice, or a fraudulent, discriminatory, or illegal activity of a financial institution, as determined by the Bureau or a court of competent jurisdiction