; and (4) the potential discriminatory effect or disparate outcomes the use or consideration of such information may have. (c) Report Not later than 1 year after the date of the enactment of this Act, the Bureau of Consumer Financial Protection shall issue a report to the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate containing all findings and determinations, including any recommendations for any legislative or regulatory changes, made in carrying out the study required under subsection (a). (d) Definitions In this section: (1) Alternative modeling techniques The term alternative modeling techniques means statistical and mathematical techniques that are not traditional modeling techniques, including decision trees, random forests, artificial neutral networks, nearest neighbor, genetic programming, and boosting algorithms. (2) Consumer report The term consumer report has the meaning given such term in section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ). (3) Non-traditional data The term non-traditional data means data related to telecommunications, utility payments, rent payments, remittances, wire transfers, data not otherwise regularly included in consumer reports issued by consumer reporting agencies described under section 603(p), and such other items as the Bureau of Consumer Financial Protection deems appropriate. (4) Traditional modeling techniques The term traditional modeling techniques means statistical and mathematical techniques (including models, algorithms, linear and logistic regression methods, and their outputs) that are traditionally used in automated underwriting processes. VI Providing greater consumer access to and understanding of consumer reports and credit scores 601. Credit score and educational credit score definitions (a) In general Section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ), as amended by section 302, is further amended by adding at the end the following new