; (2) a list of all covered persons that use certain educational data; and (3) a list of all covered persons that use an underwriting process that involves gathering data points and creating applicant profiles, including automated or algorithmic processes, to determine the creditworthiness of an applicant. (d) Definitions In this section: (1) Applicant’s background The term applicant’s background includes data related to or derived from the following: (A) Attendance at an academic institution. (B) Academic majors pursued at an academic institution. (C) Grades or test scores from or used for admission into an academic institution. (D) Educational attainment. (2) Certain educational data The term certain educational data means data, including non-individualized data, that indicates or is created, derived, or inferred from an applicant’s background including whether an applicant has attended any of the following: (A) An eligible institution. (B) A junior or community college. (3) Covered person The term covered person has the meaning given such term in section 1002 of the Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5481 ). (4) Eligible institution The term eligible institution has the meaning given that term in section 371(a) of the Higher Education Act of 1965 ( 20 U.S.C. 1067q(a) ). (5) Junior or community college The term junior or community college has the meaning given that term in section 312(f) of the Higher Education Act of 1965 ( 20 U.S.C. 1058(f) ).