; (5) by inserting after subsection (a) the following new subsection: (b) Goal The goal of the pilot program under this section shall be to examine and evaluate the benefits of using such a credit scoring model that uses additional data. ; (6) by inserting after subsection (c) (as so redesignated by paragraph (4) of this subsection) the following: (d) Additional credit information The Secretary shall, after consultation with the Government National Mortgage Association and not later than one year after the date of the enactment of this subsection, select one or more commercially available credit scoring models that will be available under the pilot and that utilize additional data, as the Secretary considers appropriate based on the goals of the pilot program. In selecting the model or models to use, the Secretary shall consider the criteria under part 1254 of the regulations of the Director of the Federal Housing Finance Agency (12 C.F.R. Part 1254) to the extent appropriate. (e) Notification (1) Notice of options The Secretary shall develop a notice for prospective mortgagors, and require mortgagees to provide such notice to prospective mortgagors, that informs prospective mortgagors of— (A) the ability to opt into the use of the credit scoring model selected for use under the pilot program; (B) information on how the pilot program credit scoring model differs from the FHA’s current credit scoring models, including the types of additional data that are included in the pilot program model