We are joined by Kelly Cochran, Deputy Director of FinRegLab, a non-profit focused on the use of data and technology in financial services. We examine credit reporting, credit scoring, and underwriting issues arising from COVID-19 and CARES Act requirements, including use of comment codes by furnishers, treatment of forbearance-related information by creditors, and that are likely to arise in the transition from short-term forbearances to long-term arrangements.