; and (B) approve any commercially available credit scoring model that has been approved pursuant to section 302(b)(7) of the Federal National Mortgage Association Charter Act ( 12 U.S.C. 1717(b)(7) ) or section 305(d) of the Federal Home Loan Mortgage Corporation Act ( 12 U.S.C. 1454(d) ). (d) Outreach To the extent practicable, the Secretary shall conduct outreach to lenders and individuals described in subsection (a)(2) to inform such persons of the pilot program. (e) Report (1) In general Not later than two years after the date of the enactment of this Act, the Secretary shall submit to Congress a report on the pilot program. (2) Contents The report submitted under paragraph (1) shall include the following: (A) The findings of the Secretary with respect to the feasibility and advisability of using alternative credit scoring information or credit scoring models using alternative credit scoring methodology for individuals described in subsection (a)(2). (B) A description of the efforts of the Secretary to assess the feasibility and advisability of using alternative credit scoring information or credit scoring models as described in subparagraph (A). (C) To the extent practicable, the following: (i) The rate of participation in the pilot program. (ii) An assessment of whether participants in the pilot program benefitted from such participation. (D) An assessment of the effect of the pilot program on the subsidy rate for loans guaranteed or insured by the Secretary under chapter 37 of title 38, United States Code. (E) Such other information as the Secretary considers appropriate. (f) Termination (1) In general The Secretary shall complete the pilot program required by subsection (a)(1) not later than September 30, 2026. (2) Effect on loans and applications The termination of the pilot program under paragraph (1) shall not affect a loan guaranteed, or for which loan applications have been received by a participating lender, on or before the date of the completion of the pilot program. (g) Insufficient credit