<?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="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: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="Equifax">
		<xs:complexType>
			<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:complexType>
	</xs:element>
	<xs:element name="Experian">
		<xs:complexType>
			<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: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="Product">
		<xs:complexType>
			<xs:attribute name="Code" type="xs:string" use="required"/>
		</xs:complexType>
	</xs:element>
	<xs:element name="Spouse">
		<xs:complexType>
			<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: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: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:complexType>
	</xs:element>
</xs:schema>
