<?xml version="1.0" encoding="UTF-8"?>
<!-- edited with XMLSPY v5 rel. 4 U (http://www.xmlspy.com) by Robb Murdock (Luxor Technolgies, Inc.) -->
<!--W3C Schema generated by XMLSPY v5 rel. 4 U (http://www.xmlspy.com)-->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" elementFormDefault="qualified">
	<xs:element name="ADDON">
		<xs:complexType>
			<xs:attribute name="MODELID" type="xs:string"/>
		</xs:complexType>
	</xs:element>
	<xs:element name="ADDRESS">
		<xs:complexType>
			<xs:attribute name="TYPE" type="xs:string" use="required"/>
			<xs:attribute name="ADDRESS" type="xs:string" use="required"/>
			<xs:attribute name="CITY" type="xs:string" use="required"/>
			<xs:attribute name="STATE" type="xs:string" use="required"/>
			<xs:attribute name="POSTALCODE" type="xs:string" use="required"/>
		</xs:complexType>
	</xs:element>
	<xs:element name="CMCONSUMERS">
		<xs:complexType>
			<xs:sequence>
				<xs:element ref="SUBJECT"/>
				<xs:element ref="SPOUSE"/>
				<xs:element ref="ADDRESS"/>
			</xs:sequence>
			<xs:attribute name="ECOA" type="xs:string" use="required"/>
		</xs:complexType>
	</xs:element>
	<xs:element name="CMDATASOURCES">
		<xs:complexType>
			<xs:sequence>
				<xs:element ref="EQUIFAX"/>
				<xs:element ref="EXPERIAN"/>
				<xs:element ref="TRANSUNION"/>
				<xs:element ref="PRBC"/>
			</xs:sequence>
		</xs:complexType>
	</xs:element>
	<xs:element name="CMDECISION">
		<xs:complexType>
			<xs:sequence>
				<xs:element ref="PARAMETER"/>
			</xs:sequence>
			<xs:attribute name="PROFILENAME" type="xs:string" use="required"/>
		</xs:complexType>
	</xs:element>
	<xs:element name="CMPRODUCTS">
		<xs:complexType>
			<xs:sequence>
				<xs:element ref="PRODUCT"/>
			</xs:sequence>
		</xs:complexType>
	</xs:element>
	<xs:element name="CMREQUEST">
		<xs:complexType>
			<xs:sequence>
				<xs:element ref="CMREQUESTOR"/>
				<xs:element ref="CMDATASOURCES"/>
				<xs:element ref="CMCONSUMERS"/>
				<xs:element ref="CMPRODUCTS"/>
				<xs:element ref="CMDECISION"/>
			</xs:sequence>
			<xs:attribute name="REFERENCENUMBER" type="xs:string" use="required"/>
			<xs:attribute name="ORDERKEY" type="xs:string" use="required"/>
		</xs:complexType>
	</xs:element>
	<xs:element name="CMREQUESTOR">
		<xs:complexType>
			<xs:attribute name="LOGINNAME" type="xs:string" use="required"/>
			<xs:attribute name="PASSWORD" type="xs:string" use="required"/>
		</xs:complexType>
	</xs:element>
	<xs:element name="CRA">
		<xs:complexType/>
	</xs:element>
	<xs:element name="EQUIFAX">
		<xs:complexType>
			<xs:sequence>
				<xs:element ref="SCORE"/>
				<xs:element ref="ADDON"/>
			</xs:sequence>
			<xs:attribute name="PREAMBLE" type="xs:string" use="required"/>
			<xs:attribute name="SUBCODE" type="xs:string" use="required"/>
			<xs:attribute name="PASSWORD" type="xs:string" use="required"/>
			<xs:attribute name="PROFILE" type="xs:string" use="required"/>
			<xs:attribute name="PURPOSE" type="xs:string" use="required"/>
			<xs:attribute name="PURPOSEUSER" type="xs:string" use="required"/>
		</xs:complexType>
	</xs:element>
	<xs:element name="EXPERIAN">
		<xs:complexType>
			<xs:sequence>
				<xs:element ref="SCORE"/>
				<xs:element ref="ADDON"/>
			</xs:sequence>
			<xs:attribute name="PREAMBLE" type="xs:string" use="required"/>
			<xs:attribute name="SUBCODE" type="xs:string" use="required"/>
			<xs:attribute name="PASSWORD" type="xs:string" use="required"/>
			<xs:attribute name="PROFILE" type="xs:string" use="required"/>
			<xs:attribute name="PURPOSE" type="xs:string" use="required"/>
			<xs:attribute name="PURPOSEUSER" type="xs:string" use="required"/>
		</xs:complexType>
	</xs:element>
	<xs:element name="GETUPDATED">
		<xs:complexType/>
	</xs:element>
	<xs:element name="PARAMETER">
		<xs:complexType>
			<xs:attribute name="NAME" type="xs:string" use="required"/>
			<xs:attribute name="VALUE" type="xs:string" use="required"/>
		</xs:complexType>
	</xs:element>
	<xs:element name="PRBC">
		<xs:complexType>
			<xs:sequence>
				<xs:element ref="GETUPDATED"/>
			</xs:sequence>
			<xs:attribute name="SUBCODE" type="xs:string" use="required"/>
			<xs:attribute name="PASSWORD" type="xs:string" use="required"/>
			<xs:attribute name="PROFILE" type="xs:string" use="required"/>
			<xs:attribute name="PURPOSE" type="xs:string" use="required"/>
			<xs:attribute name="PURPOSEUSER" type="xs:string" use="required"/>
		</xs:complexType>
	</xs:element>
	<xs:element name="PRODUCT">
		<xs:complexType>
			<xs:attribute name="CODE" type="xs:string" use="required"/>
			<xs:attribute name="OPTIONS" type="xs:string" use="required"/>
		</xs:complexType>
	</xs:element>
	<xs:element name="SCORE">
		<xs:complexType>
			<xs:attribute name="MODELID" type="xs:string"/>
		</xs:complexType>
	</xs:element>
	<xs:element name="SPOUSE">
		<xs:complexType>
			<xs:sequence>
				<xs:element ref="CRA"/>
			</xs:sequence>
			<xs:attribute name="SURNAME" type="xs:string" use="required"/>
			<xs:attribute name="FIRSTNAME" type="xs:string" use="required"/>
			<xs:attribute name="MIDNAME" type="xs:string" use="required"/>
			<xs:attribute name="GENERATION" type="xs:string" use="required"/>
			<xs:attribute name="SSN" type="xs:string" use="required"/>
			<xs:attribute name="AGE" type="xs:string" use="required"/>
		</xs:complexType>
	</xs:element>
	<xs:element name="SUBJECT">
		<xs:complexType>
			<xs:sequence>
				<xs:element ref="CRA"/>
			</xs:sequence>
			<xs:attribute name="SURNAME" type="xs:string" use="required"/>
			<xs:attribute name="FIRSTNAME" type="xs:string" use="required"/>
			<xs:attribute name="MIDNAME" type="xs:string" use="required"/>
			<xs:attribute name="GENERATION" type="xs:string" use="required"/>
			<xs:attribute name="SSN" type="xs:string" use="required"/>
			<xs:attribute name="AGE" type="xs:string" use="required"/>
		</xs:complexType>
	</xs:element>
	<xs:element name="TRANSUNION">
		<xs:complexType>
			<xs:sequence>
				<xs:element ref="SCORE"/>
				<xs:element ref="ADDON"/>
			</xs:sequence>
			<xs:attribute name="MARKET" type="xs:string" use="required"/>
			<xs:attribute name="SUBMARKET" type="xs:string" use="required"/>
			<xs:attribute name="SUBCODE" type="xs:string" use="required"/>
			<xs:attribute name="PASSWORD" type="xs:string" use="required"/>
			<xs:attribute name="INDUSTRYCODE" type="xs:string" use="required"/>
			<xs:attribute name="PROFILE" type="xs:string" use="required"/>
			<xs:attribute name="PURPOSE" type="xs:string" use="required"/>
			<xs:attribute name="PURPOSEUSER" type="xs:string" use="required"/>
		</xs:complexType>
	</xs:element>
</xs:schema>
