One proposal targeted liquidity requirements for the GSEs and the other two proposals involved the Federal Home Loan Banks.

FHFA Director Bill Pulte said credit bureaus and VantageScore should follow FICO and take creative and constructive actions.

In the early years of Fannie/Freddie conservatorship, investors were seeking an explicit guarantee of GSE MBS as part of any reform effort. More recently, they have shown an acceptance for maintaining an implicit guarantee.

Some lenders are consistently avoiding delivering certain GSE-eligible mortgages to Fannie Mae or Freddie Mac.

FHA and the GSEs stressed lending and servicing options for individuals facing an employment furlough.

The Supreme Court’s brief order stated that it plans oral arguments on the matter in January.

Pennymac will subservice the MSRs for Annaly.

FICO said its new credit score acquisition option could save lenders up to 50% on certain costs for credit scores.

Originations of home equity loans in 2025 are on track to top HEL production in 2022, which was the post-2008 peak. The HELOC share of home equity lending is down somewhat from 2022 but still dominates. (Includes three data tables.)

Housing legislation with strong bipartisan support could move forward in the Senate as soon as this month.