; and (2) in the table of contents for such Act, by adding at the end the following new item: 630. Credit scoring models. . (b) Rulemaking Not later than the end of the 2-year period beginning on the date of the enactment of this Act, the Bureau of Consumer Financial Protection shall issue final rules to implement the amendments made by this section. 4. CFPB study and report to Congress on the impact of non-traditional data (a) Study The Bureau of Consumer Financial Protection shall carry out a study to assess the impact (including the availability and affordability of credit and other noncredit decisions, the potential positive and negative impacts on consumer credit scores, and any unintended consequences) of using traditional modeling techniques or alternative modeling techniques to analyze non-traditional data from a consumer report and of including non-traditional data on consumer reports on the following: (1) Consumers with no or minimal traditional credit history. (2) Traditionally underserved communities and populations. (3) Consumers residing in rural areas. (4) Consumers residing in urban areas. (5) Racial and ethnic minorities and women. (6) Consumers across various income strata, particularly consumers earning less than 120 percent of the area median income (as defined by the Secretary of Housing and Urban Development). (7) Immigrants, refugees, and non-permanent residents. (8) Minority financial institutions (as defined under section 308(b) of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 ( 12 U.S.C. 1463 note)) and community financial institutions. (9) Consumers residing in federally assisted housing, including consumers receiving Federal rental subsidies. (b) Additional considerations In assessing impacts under subsection (a), the Bureau of Consumer Financial Protection shall also consider impacts on— (1) the privacy, security, and confidentiality of the financial, medical, and personally identifiable information of consumers