(RECAP: The ranking democrat on the House Financial Services Committee wants to fundamentally change the rules on how lenders report consumer payments and debts to the credit bureaus, which could create a path to homeownership for millions of Americans currently shut out by mortgage lending restrictions. U.S. Rep. Maxine Waters, D-Calif., is introducing a bill that would eliminate medical debt from credit reporting, which accounts for more than half of all unpaid debts in collection. The changes are part of a large shift in mortgage finance reform to open the credit box wider for potential homeowners.)