; and (2) in the table of contents for such Act, by inserting after the item relating to section 632 (as added by section 701) the following new item: 633. Fair access to information for nonnative English speakers and the visually and hearing impaired. . 705. Establishes consumers’ right to shop for the best deal on certain large dollar loans without harming their credit standing Section 605 of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ) is amended by adding at the end the following new subsection: (h) Encouraging consumers To comparison shop for loans by treating grouped enquiries of the same type within a reasonable period as a single enquiry (1) In general With respect to multiple enquiries of the same type made to a consumer reporting agency for a consumer report or credit score with respect to a consumer, any credit scoring model shall treat such enquiries as a single enquiry if the enquiries are made within a 120-day period. (2) Definition of enquiries of the same type With respect to multiple enquiries made to a consumer reporting agency for a consumer report or credit score with respect to a consumer, such enquiries are of the same type if the consumer reporting agency has reason to believe that the enquiries are all made for the purpose of determining the consumer’s creditworthiness for an extension of credit described in one of the following: (A) A covered residential mortgage loan (as described in section 605C). (B) A motor vehicle loan or lease (as described in section 609(j)). (C) A private education loan. (D) Any other consumer financial product or service, as determined by the Bureau. . 706. Ends confusion about whether entities are engaged in consumer reporting practices by creating a nationwide consumer reporting agencies registry The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq.), as amended by section 704, is further amended— (1) by adding at the end the following new section: 634. Nationwide consumer reporting agencies registry (a) In general Not later than 1 year after the date of