; (2) recognize that consumers and businesses affected by a shutdown may lose access to credit and face temporary hardship in making payments on debts such as mortgages, student loans, car loans, business loans, or credit cards; (3) consider prudent efforts to modify terms on existing loans or extend new credit to help consumers and businesses affected by a shutdown, consistent with safe-and-sound lending practices; and (4) take steps to prevent adverse information being reported in a manner that harms consumers affected by a shutdown, 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 consumer report in a manner that hurts the creditworthiness of the consumer. (c) Notice of guidance during a shutdown Not later than the end of the 24-hour period beginning at the start of a shutdown, the Federal financial regulators jointly shall issue a press release to alert financial institutions, consumers, and businesses to the existence and content of the guidance issued under to subsection (b). (d) Post-Shutdown report to Congress and updated guidance (1) In general Not later than the end of the 90-day period beginning on the date on which a shutdown ends, the Federal financial regulators jointly shall submit to Congress a report that contains an analysis of the effectiveness of the guidance issued pursuant to subsection (b). (2) Updated guidance Not later than the end of the 180-day period beginning on the date on which a report is issued under paragraph (1), the Federal financial regulators shall update the guidance required under subsection (b) if any shortcomings are identified in the report.