; ceasing evictions and foreclosures; and providing forbearance; (6) consumers affected by the shutdown, whose income are directly or indirectly dependent on the full operation of the Federal Government, may be experiencing financial and emotional stress through no fault of their own and their creditworthiness should not be impaired because of the shutdown; (7) financial institutions and other companies, such as consumer reporting agencies and companies engaged in the production of consumer scores, should take steps to prevent adverse information being reported and utilized in any manner that harms affected consumers, including by preventing modified credit arrangements intended to help consumers fulfill their financial obligations from being reported to, and coded by, consumer reporting agencies on a person’s credit report in a manner that hurts the creditworthiness of the affected consumers; (8) new products, services, or prudent workout arrangements designed to help affected consumers that are consistent with safe and sound lending practices are generally in the long-term best interest of the financial institution, the consumer, and the economy; (9) financial institutions should work proactively to identify their customers who have been affected by any shutdown and adopt flexible, prudent arrangements to help such customers meet their debt and other obligations; and (10) prudent efforts to adopt flexible workout arrangements for affected consumers should not be subject to examiner criticism or negative examinations.