While most mortgage industry participants believe the tri-merge limits competition among the three credit reporting companies, some say it’s a critical tool to maintain the credit quality of mortgages.

The Trump administration plans to reduce certain capital requirements to encourage bank involvement in the mortgage market, according to Treasury Secretary Scott Bessent.

Servicers are anticipating improvements in their recapture rates following the signing of the Homebuyers Privacy Protection Act.

Most industry participants don’t think the GSEs have the tools necessary to accelerate construction by big homebuilders.

FHFA Director Bill Pulte has repeatedly ignored requests for information from Sen. Elizabeth Warren, D-MA, preferring to communicate primarily through his personal X account.

Senate passes the ROAD to Housing Act; layoffs at HUD, CDFI Fund halted; MBA’s annual conference missing some federal officials.

The new option allows tri-merge resellers to calculate and deliver FICO scores directly to customers, bypassing the big credit bureaus. Experian countered with a move involving VantageScore 4.0.

Industry participants favor a proposal from the Federal Housing Finance Agency to repeal fair lending oversight of Fannie, Freddie and FHLBanks. Consumer advocates, meanwhile, were sharply critical.

The new requirements, and the shutdown, are expected to further delay the release of CDFI Fund awards that have already been approved.

The trade group’s priorities include changes to loan originator compensation standards and a higher tax exemption on home sales.