action taken by the creditor that violated subsection (a). (c) Definitions The terms covered individual , qualified expense or obligation , and shutdown have the meanings given those terms, respectively, in section 631. . (b) Table of contents amendment The table of contents of the Fair Credit Reporting Act is amended by adding at the end the following new items: 630. Prohibitions relating to credit scores during a shutdown. 631. Prohibition on adverse lending determinations for covered individuals. .