; and (3) in subparagraph (C)— (A) by striking not later than— and inserting the not later than 3 days business days after receiving the request directly from the protected consumer or protected consumer’s representative. ; and (B) by striking clauses (i) and (ii). 5. Public record data sources in consumer reports Section 605(d) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c(d) ) is amended by adding at the end the following: (3) Public record data If a consumer reporting agency furnishes a consumer report that contains public record data, such consumer reporting agency shall include the source of such public record data in such report. . 6. Prohibition on including adverse information related to predatory mortgage lending (a) In general The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq.) is amended by inserting after section 605B the following: 605C. Adverse information relating to predatory mortgage lending (a) In general A consumer reporting agency may not furnish any consumer report containing any adverse item of information relating to a covered residential mortgage loan (including the origination and servicing of such a loan, any loss mitigation activities related to such a loan, and any foreclosure, deed in lieu of foreclosure, or short sale related to such a loan), if the action or inaction to which the item of information relates— (1) resulted from an unfair, deceptive, or abusive act or practice, or a fraudulent, discriminatory, or illegal activity of a financial institution, as determined by a court of competent jurisdiction