Wells Fargo & Company
The FACT Act of 2003: Notice and Request For Public Comment On the Effects of Credit Scores and Credit-Based Insurance Scores on the Availability and Affordability of Financial Products
The answers to many of the questions posed in the request for comment can be found in the book "An Introduction to Credit Scoring" by Edward M. Lewis which I believe is available through Fair Isaac Corporation. I would also recommend the paper published by Martell et al. of Fair Isaac in 1999 entitled "The Effectiveness of Scoring on Low-to-Moderate-Income and High-Minority Area Populations."