by Eric J. Ellman | Sep 18, 2026
In September, 2026, the House Financial Services Committee released its committee report (H. Rept. 119-788) for the Credit Access and Inclusion Act of 2026. The bill is by U.S. Rep. Young Kim (R-CA), the co-chair of the Financial Literacy & Wealth Creation Caucus,...
by Eric J. Ellman | Mar 22, 2026
In February 2026, the Congressional Research Service issued a report, Fannie Mae and Freddie Mac Adopt Alternative Credit Scores.
by Eric J. Ellman | Jan 22, 2025
In January 2025, the Urban Institute issued a report, Including Rental Payment History in Underwriting and Credit Scores Could Expand Access to Credit. The report was authored by Daniel Pang, Laurie Goodman, and Jung Hyun Choi.
by Eric J. Ellman | Feb 28, 2024
In February 2024, the National Consumer Law Center (NCLC) announced a report, Past Imperfect: How Credit Scores “Bake In” and Perpetuate Past Discrimination. The report is mostly a repackaging of old ideas in a new report. The report notes that “this racial...
