by Eric J. Ellman | Jan 5, 2026
On January 5, FHFA Director Bill Pulte commented on an X post he made earlier in the day to add that “…we are in receipt of the Mortgage Bankers Association letter about concerns with the Credit Bureaus. I have communicated with the credit bureaus CEOs on...
by Eric J. Ellman | Jan 5, 2026
On January 5, 2026, FHFA Director Bill Pulte posted on X: “I do not understand what the credit bureaus are doing with their pricing – they are inviting a lot of scrutiny that is only intensifying by the day.”
by Eric J. Ellman | Oct 23, 2025
FHFA’s Inspector General published a report in September noting that FHFA followed proper procedures in its decision to require that Enterprises replace the tri-merge credit report requirement. FHFA identified, analyzed, and responded to risks impacting its...
by Eric J. Ellman | Oct 15, 2023
In October 2023, several Republican members of the Senate Committee on Banking, Housing, and Urban Affairs called on the Federal Housing Finance Agency (FHFA) to implement reforms to credit scoring models that will expand homeownership opportunities for creditworthy...
by Eric J. Ellman | Jun 6, 2023
In June 2023, S&P Global issued a report, Residential Mortgage Credit Score Snapshot: When Three Bureaus Become Two. In sum: Based on our analysis of a sample of residential mortgage loans from our portfolio of rated RMBS transactions, the variation in score when...
