FOIA documents reveal that in 2022 Fannie and Freddie business assessments determined that a single-bureau credit report would be inferior to either a tri-merge or a bi-merge.

In March, “trigger leads” will come to an end, prompting lenders to come up with new solutions for lead generation.

The trade group representing credit reporting agencies said MBA’s proposal to move to a single-bureau report is more about lowering costs for lenders than saving money for consumers.

The trade group representing Equifax, Experian and TransUnion says they're not the source of rising credit score costs; FICO is.

With the administration considering ways to address affordability, industry trade groups suggested adjusting policies at the GSEs. There’s also debate between MBA and CHLA on credit scoring practices.

The trade group argues that a likely shift to a single-bureau credit pull may not actually lower rates and could add risk to the system.

Treasury Secretary Scott Bessent confirmed industry speculation that President Trump directed the GSEs to purchase $200 billion in MBS to offset Federal Reserve policy.

The MBA and CHLA have issued statements showing mortgage industry support for a new executive order that would limit state regulation of artificial intelligence.

Lenders urged the regulator to spell out the GSEs’ conservatorship-era obligations that could apply even if Fannie and Freddie are released.

Allowing the GSEs, under certain conditions, to purchase up to $300 billion in agency MBS each could reduce mortgage rates by as much as 30 basis points, lender groups say.