The MBA continues to argue that the credit scores provided by Equifax, Experian and TransUnion are now so similar that lenders shouldn’t be required to pull all three. Credit bureaus disagree.

The Basel III re-proposal could include relief for mortgages; FICO to release historical data for 10T score.

The Mortgage Bankers Association has called on lawmakers to end tri-merge requirements for loans sold to the government-sponsored enterprises following reports of increased pricing for credit reports.

The benefits the FHLBank system provides to the financial sector look to outweigh the roughly $6.9 billion federal subsidy they receive via an implicit government guarantee.

The CFPB is seeking to make changes to disparate impact and special purpose credit programs. The regulator also notified a federal court that it will run out of funding in early 2026.

The GSE investor said part of his plan can be accomplished immediately, but ending the conservatorship may take three years.

FHFA Director Bill Pulte touted possibility of a 50-year fixed-rate mortgage. Also under consideration: transferable and portable mortgages.

Federal operations that were disrupted during the shutdown are expected to bounce back, helping lenders with loans stuck in their pipelines.

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

Overall, fair housing complaints increased in 2024, though complaints tied to real estate sales and mortgage lending declined.