Any impact from the landmark 21st Century ROAD to Housing Act could take years, with the Republicans proudly touting that the law doesn’t include any new funding.

Historic data appear to show that FICO 10T credit scores are slightly more accurate than VantageScore 4.0 at predicting defaults.

Lenders are adjusting their retail strategies, with some investing more heavily in distributed retail and others looking more closely at wholesale and direct-to-consumer.