This bill mandates that the Bureau of Consumer Financial Protection (BCFP) and the Federal Trade Commission (FTC) conduct a joint study and submit a report to Congress by December 31, 2025. The study's primary objective is to examine the use of additional key factors in credit scoring models and their effect on how creditors evaluate consumer creditworthiness. The report must specifically analyze the inclusion of data points such as rental payment history , utility payment history , and payment history for "Buy Now, Pay Later" installment contracts. It will also consider brokerage account statements, electronic benefit transfer system records, and telecom and subscription-service payment history. Further factors for examination include transaction data from depository institutions and credit unions, payroll deposit information, insurance payment history, and public record data related to property ownership or court filings. The study aims to provide a comprehensive understanding of how these diverse data sources influence credit assessments.