Answer:
Public Law 109-115
Explanation:
According to the public law, there are several factors that the department and agency could use in order to determine the credit scores of those individuals.
For example, they need to conduct a background check to see whether those individuals have a history of escaping their debt in the past, the ratio of their earning vs their spending, and the collateral that they can afford to back their loan in order to determine their worthiness.
