; or (2) is related to an unfair, deceptive, or abusive act or practice, or a fraudulent, discriminatory, or illegal activity of a financial institution that is the subject of a settlement agreement initiated on behalf of a consumer and that is between the financial institution and an agency or department of a local, State, or Federal Government. (b) Covered residential mortgage In this section, the term ‘covered residential mortgage loan’ means any loan made primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other equivalent consensual security interest on a dwelling (as defined in section 103(w) of the Truth in Lending Act), including a loan in which the proceeds will be used for— (1) a manufactured home (as defined in section 603 of the Housing and Community Development Act of 1974); (2) any installment sales contract, land contract, or contract for deed on a residential property; or (3) a reverse mortgage transaction (as defined in section 103(cc) of the Truth in Lending Act). . (b) Table of contents amendment The table of contents of the Fair Credit Reporting Act is amended by inserting after the item relating to section 605B the following new item: 605C. Adverse information relating to predatory mortgage lending. . 7. Prohibition on including adverse information when financial abuse has been determined (a) In general The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq.), as amended by section 6, is further amended by inserting after section 605C the following: 605D. Adverse information in cases of financial abuse A consumer reporting agency may not furnish a consumer report containing any adverse item of information about a consumer that resulted from intentionally abusive or harmful financial behavior if— (1) a court of competent jurisdiction, in a lawsuit that is not a class action lawsuit, has determined that the consumer is a victim of such intentionally abusive or harmful financial behavior