; (B) information on how the pilot program credit scoring model differs from the FHA’s current credit scoring models, including the types of additional data that are included in the pilot program model; and (C) housing counseling agencies in the area that are approved by the Department of Housing and Urban Development. (2) Comparison of lending options The Secretary shall require mortgagees participating in the pilot program to provide information to prospective mortgagors sufficient to allow comparison of the mortgagor’s lending options using the credit scoring model under the pilot program and using the credit scoring model then in effect for mortgagors not opting into the use of the credit scoring model under the pilot program. (f) Underwriting options This section may not be construed to preclude a prospective mortgagor who opts to use an approved credit scoring model under the pilot program under this subsection in connection with underwriting for a mortgage insured under this title from thereafter obtaining a determination of creditworthiness involved in underwriting for such mortgage using information other than that provided under such approved credit scoring model. (g) Protection of proprietary information This section may not be construed to require the disclosure or sharing of any proprietary information. (h) Reporting (1) In general The Secretary shall submit reports to the Congress in accordance with paragraph (2) that provide a detailed evaluation of the effectiveness of the pilot, including data that shows— (A) the number of mortgagors who had the option to opt into using additional credit information and the number of mortgagors who opted into using additional credit information; (B) the total number and percent of mortgagors who opted into the pilot and were subsequently approved for a mortgage