and report to Congress on the impact of using non-traditional data (a) Study The Bureau of Consumer Financial Protection shall carry out a study to assess the impact (including the availability and affordability of credit and other noncredit decisions, the potential positive and negative impacts on a consumer’s credit scores, and any unintended consequences) of using traditional modeling techniques or alternative modeling techniques to analyze non-traditional data from a consumer report and the inclusion of non-traditional data on consumer reports on the following: (1) Consumers with no or minimal traditional credit history. (2) Traditionally underserved communities and populations. (3) Consumers residing in rural areas. (4) Consumers residing in urban areas. (5) Racial and ethnic minorities and women. (6) Consumers across various income strata, particularly consumers earning below 120 percent of the area median income (as defined by the Secretary of Housing and Urban Development). (7) Immigrants, refugees, and non-permanent residents. (8) Minority financial institutions (as defined under section 308(b) of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 ( 12 U.S.C. 1463 note)) and community financial institutions. (9) Consumers residing in federally assisted housing, including consumer receiving Federal rental subsidies. (b) Additional considerations The study required under subsection (a) shall also consider the impact of the inclusion of non-traditional data on a consumer report and the use of traditional modeling techniques or alternative modeling techniques with respect to— (1) the privacy, security, and confidentiality the consumer’s financial, medical, and personally identifiable information