1. Short title This Act may be cited as the Examining Educational Redlining in Lending Act . 2. Assessment of certain educational data (a) Assessment Not later than 180 days after the date of the enactment of this Act and annually thereafter, the Bureau of Consumer Financial Protection (referred to in this section as the Bureau ) shall, in coordination with relevant executive agencies and national civil rights stakeholders, assess— (1) the use of certain educational data by covered persons in determining the creditworthiness of an applicant; (2) the use of an underwriting process that involves gathering data points and creating applicant profiles, including automated or algorithmic processes, and the risks of such use, by covered persons to determine the creditworthiness of an applicant; and (3) what policies and guidelines are in place to ensure decisions do not result in a disparate impact on a protected class. (b) Report to Congress Not later than 60 days after the completion of each assessment required under subsection (a) and annually thereafter, the Bureau shall submit to the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate the findings of such assessment and any recommendations based on such findings. (c) Publication Not later than 30 days after the completion of the assessment required under subsection (a), the Bureau shall make available on a publicly accessible website— (1) the findings of the assessment under subsection (a); (2) a list of all covered persons that use certain educational data