; or (B) if such a term, as defined by a State, affords greater protection to an individual than the protection provided under this section, have the meanings given by the relevant State. . (b) Table of contents amendment The table of contents of the Fair Credit Reporting Act is amended by inserting after the item relating to section 605E (as added by section 105) the following new item: 605F. Adverse information in cases of financial abuse. . (c) Effective date The amendments made by this section shall apply on the date that is 30 days after the date on which the Director of the Bureau of Consumer Financial Protection issues a rule pursuant to section 605F(b) of the Fair Credit Reporting Act, as added by this section. 107. Prohibits treatment of credit restoration or rehabilitation as adverse information The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) is amended— (1) by adding at the end the following new section: 630. Prohibition of certain factors related to Federal credit restoration or rehabilitation (a) Restriction on credit scoring models A credit scoring model may not— (1) take into consideration, in a manner adverse to a consumer’s credit score, any information in a consumer report concerning the consumer’s participation in credit restoration or rehabilitation under section 605D, 605E, or 605F; or (2) treat negatively, in a manner adverse to a consumer’s credit score, the absence of payment history data for an existing account, whether the account is open or closed, where the absence of such information is the result of a consumer’s participation in credit restoration or rehabilitation under section 605D, 605E, or 605F. (b) Restriction on persons obtaining consumer reports A person who obtains a consumer report may not— (1) take into consideration, in a manner adverse to a consumer, any information in a consumer report concerning the consumer’s participation in credit restoration or rehabilitation under section 605D, 605E, or 605F