by Eric J. Ellman | Feb 23, 2026
In February 2026, Andrew Davidson & Co., Inc. (AD&Co) released a study showing “how moving from the tri-merge standard to a bi-merge or single-report standard could lead to less accurate mortgage pricing and qualification. This added uncertainty may lead...
by Eric J. Ellman | Feb 12, 2026
On Feb. 11, 2026, the Subcommittee on Housing and Insurance of the House Financial Services Committee held a hearing, Homeownership and the Role of the Secondary Mortgage Market. There were four witnesses: Mr. Michael Bright, Chief Executive Officer, Structured...
by Eric J. Ellman | Feb 3, 2026
In Feb. 2026, the Housing Policy Council (HPC) released hundreds of pages of heavily redacted documents showing that in 2022, FHFA ordered Fannie and Freddie to approve Vantage Score 4.0, over opposition from those entities. The documents also show that the GSEs found...
by Eric J. Ellman | Feb 3, 2026
On Feb. 3, 2026, MBA Newslink had a post, To the Point With Bob: Why It’s Time for Competition for Credit Scores and Reports.
by Eric J. Ellman | Feb 3, 2026
On Feb. 3, 2026, MBA Newslink had a post, Broeksmit: A Strong Start to 2026–And Strong Words Regarding Credit Reporting #MBAIMB26. Broeksmit spoke passionately about MBA’s advocacy for ending the tri-merge and moving to a single-file reporting structure for certain...
