; and (3) a list of all covered persons that use an underwriting process that involves gathering data points and creating applicant profiles, including automated or algorithmic processes, to determine the creditworthiness of an applicant. (d) Definitions In this section: (1) Applicant’s background The term applicant’s background includes data related to or derived from the following: (A) Attendance at an academic institution. (B) Academic majors pursued at an academic institution. (C) Grades or test scores from or used for admission into an academic institution. (D) Educational attainment. (2) Certain educational data The term certain educational data means data, including non-individualized data, that indicates or is created, derived, or inferred from an applicant’s background including whether an applicant has attended any of the following: (A) An eligible institution. (B) A junior or community college. (3) Covered person The term covered person has the meaning given such term in section 1002 of the Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5481 ). (4) Eligible institution The term eligible institution has the meaning given that term in section 371(a) of the Higher Education Act of 1965 ( 20 U.S.C. 1067q(a) ). (5) Junior or community college The term junior or community college has the meaning given that term in section 312(f) of the Higher Education Act of 1965 ( 20 U.S.C. 1058(f) ). III Poverty Alleviation A 10-20-30 30101. Short title This subtitle may be cited as the 10-20-30 Act of 2020 . 30102. Allocation of funds for assistance in persistent poverty counties (a) In general Notwithstanding any other provision of law, of the funds made available (if any) in each of fiscal years 2015 through 2030 in any appropriations Act for each of the following accounts or activities, 10 percent of such funds shall be allocated for assistance in persistent poverty counties: (1) Department of Agriculture, Rural Development Programs . (2) Department of Commerce, Economic Development Administration, Economic