The CFPB on July 19, 2011 released a report on the variations among credit scores sold to consumers and those used by lenders when making credit decisions. Section 1078 of the Dodd-Frank Act required the CFPB to conduct a study on any differences between these credit scores and to determine whether such variations disadvantage consumers. The Dodd-Frank Act gave the CFPB until July 21, 2011 to deliver the report to Congress. The report notes that many consumers lack an understanding about credit scoring. Additionally, the CFPB indicates that it will conduct a subsequent analysis of data from the nationwide consumer reporting agencies and Fair Isaac Corporation to compare the variations between these credit scores. The report is available online.