Early interest in the VantageScore 4.0 pilot has been strong, but participants note that the new score can be up to 100 points different from Classic FICO.

Versions of the 21st Century ROAD to Housing Act have passed both the House and Senate with broad bipartisan support. However, differences persist.

The final rules clarify that the National Bank Act preempts state interest-on-escrow laws and codify national banks’ powers to maintain mortgage escrow accounts and to set their terms and conditions.