; and (2) in the table of contents for such Act, as amended by section 203, by adding at the end the following new item: 632. Fair access to information for nonnative English speakers and the visually and hearing impaired. . 205. Comparison shopping for loans without harm to credit standing Section 605 of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ) is amended by adding at the end the following new subsection: (h) Encouraging consumers To comparison shop for loans by treating grouped enquiries of the same type within a reasonable period as a single enquiry (1) In general With respect to multiple enquiries of the same type made to a consumer reporting agency for a consumer report or credit score with respect to a consumer, any credit scoring model shall treat such enquiries as a single enquiry if the enquiries are made within a 120-day period. (2) Definition of enquiries of the same type With respect to multiple enquiries made to a consumer reporting agency for a consumer report or credit score with respect to a consumer, such enquiries are of the same type if the consumer reporting agency has reason to believe that the enquiries are all made for the purpose of determining the consumer’s creditworthiness for an extension of credit described in one of the following: (A) Any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other equivalent consensual security interest on a dwelling (as defined in section 103(w) of the Truth in Lending Act), including a loan in which the proceeds will be used for— (i) a manufactured home (as defined in section 603 of the Housing and Community Development Act of 1974 ( 42 U.S.C. 5402 )); (ii) any installment sales contract, land contract, or contract for deed on a residential property