; and (ii) no creditor with respect to a covered transaction discriminates against an applicant with respect to that covered transaction on the basis of any characteristic of the applicant described in subsection (c)(2). (B) Information from other government entities For the purposes of subparagraph (A), the Bureau may rely on information that is collected by another Federal, State, or local government agency and submitted to the Bureau if the Director of the Bureau determines that— (i) relying on that information promotes transparency; and (ii) the information collected by that other agency is substantially similar to the information that is submitted to the Bureau under subsection (e). (2) Enforcement (A) In general The Bureau may take such action as the Bureau determines to be necessary or appropriate to carry out paragraph (1)(A), including by— (i) imposing a civil penalty in an amount described in section 706(b) against a creditor that violates that paragraph