; (B) a change by the creditor in the terms of an existing credit arrangement; or (C) a refusal by the creditor to grant credit to the Federal worker in substantially the amount or on substantially the terms requested. (3) An adverse report relating to the creditworthiness of the Federal worker by or to a person engaged in the practice of assembling or evaluating consumer credit information. (4) A refusal by an insurer to insure the Federal worker. (5) A change in the terms offered or conditions required for the issuance of insurance. (b) Reduction or waiver of fines or penalties If a Federal worker fails to perform an obligation arising under a contract and a penalty is incurred arising from that nonperformance, a court may reduce or waive the fine or penalty if— (1) the Federal worker was furloughed or required to work without pay during a shutdown on the date on which the fine or penalty was incurred; and (2) the ability of the Federal worker to perform the obligation was materially affected by the shutdown described in paragraph (1). (c) Court action upon material affect determination If a court determines that a Federal worker is materially affected by a shutdown in complying with a judgment or an order of a court, the court may, upon the motion of the court, and shall, on application by the Federal worker— (1) stay the execution of any judgment or order entered against the Federal worker