Under the Fair Credit Reporting Act, emotional distress damages from a denial of a mortgage may be quantified by considering factors such as the severity of the distress, the duration of the distress, and any related medical expenses. Additionally, a court may take into account any additional damages that may have resulted from the denial of the mortgage, such as lost wages or damage to credit. However, it’s important to note that the Fair Credit Reporting Act does not provide for damages for emotional distress per se, it’s only allowed under state laws.