Act is amended by inserting after the item relating to section 605D the following new item: 605E. Financial abuse prevention. . 107. Prohibits treatment of credit restoration or rehabilitation as adverse information The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq.) is amended— (1) by adding at the end the following new section: 630. Prohibition of certain factors related to Federal credit restoration or rehabilitation (a) Restriction on credit scoring models A credit scoring model may not— (1) take into consideration, in a manner adverse to a consumer’s credit score or educational credit score, any information in a consumer report concerning the consumer’s participation in credit restoration or rehabilitation under section 605C, 605D, or 605E