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1 H.R. 123, Alternative Data for Additional Credit FHA Pilot Program Reauthorization Act, as Ordered Reported by the House Committee on Financial Services on September 20, 2019 1 (November 18, 2019)

handle is hein.congrec/cboaltdad0001 and id is 1 raw text is: I Congressional Budget Office Cost Estimate November 18, 2019 By Fiscal Year, Millions of Dollars 2020 2020-2024 2020-2029 Direct Spending (Outlays) Revenues Increase or Decrease (-) in the Deficit The bill would * Authorize appropriations for the Federal Housing Administration (FHA) to create a pilot program for a credit- scoring system using alternative data * Permit FHA to insure mortgages for homebuyers who meet credit score requirements that are based on that alternative data Estimated budgetary effects would primarily stem from * Spending funds authorized to be appropriated * Increases in the premiums collected from mortgagors with FHA insurance Detailed estimate begins on the next page. See also CBO's Cost Estimates Explained, www.cbo gov/publication/54437; How CBO Prepares Cost Estimates, www.cbo.gov/publication/53519; and Glossary, www.cbo.gov/publication/42904. 0 0 0

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