The undersigned consumer and civil rights groups are pleased to submit the following comments in response to the Federal Housing Finance Administration (FHFA)’s Request for Input Regarding Credit Scores. We thank the FHFA for engaging in this longstanding process, which will benefit many consumers once it is completed. Before addressing these issues, we would like to note that the RFI seems to primarily discuss the needs of, and impact on, lenders, investors and other members of the mortgage industry vis a vis updating scoring models. We urge FHFA to equally consider the needs of and impact on consumers.