; and (C) a spouse of an individual described under subparagraph (A) or (B). (3) Credit score The term credit score has the meaning given in section 609(f)(2). (4) Qualified expense or obligation The term qualified expense or obligation means any payment, including a partial payment, of a covered individual relating to a mortgage loan, rent, credit cards, medical expenses, automobile purchases or leases, student loans, insurance premiums, utilities, and other recurring payments or expenses ordinarily incurred by such covered individual (as determined by the Bureau). (5) Shutdown The term shutdown means the period of a lapse in appropriations beginning on or after December 22, 2018, and that ends before October 1, 2019. 631. Prohibition on adverse lending determinations for covered individuals (a) Prohibition A creditor (as defined in section 103 of the Truth in Lending Act) may not knowingly deny credit, or knowingly provide credit on less favorable terms than would otherwise be provided, to a covered individual who fails to pay any qualified expense or obligation during the period beginning on the first day of a shutdown and ending on the date that is 60 days after the date on which the shutdown ends, if the covered individual pays the qualified expense or obligation within such period. (b) Enforcement The Bureau may issue a fine or take another enforcement action, as determined by the Bureau, against a creditor that violates subsection (a) if the Bureau determines by a preponderance of the evidence that the fact that the covered individual failed to pay a qualified expense while not receiving pay by reason of a lapse in Federal appropriations, or during the 60-day period immediately following such lapse in Federal appropriations, was a substantial factor in the action taken by the creditor that violated subsection (a). (c) Definitions The terms covered individual , qualified expense or obligation , and shutdown have the meanings given those terms, respectively, in section 631. . (b) Table of contents amendment