I 118th CONGRESS 2d Session H. R. 8099 IN THE HOUSE OF REPRESENTATIVES April 19, 2024 Mr. Torres of New York (for himself and Mrs. Kim of California ) introduced the following bill; which was referred to the Committee on Financial Services A BILL To require the Director of the Federal Housing Finance Agency to assess the costs and benefits of requiring the enterprises obtain 2 rather than 3 credit reports and credit scores, and for other purposes.