Community Home Lenders of America (CHLA)

HUD says FHA lenders will continue using three-bureau credit reports even as the agency adopts newer scoring models aimed at increasing competition and modernizing mortgage underwriting

The House version softens a controversial provision aimed at large institutional investors

An amended House version of the ROAD to Housing Act removes a controversial build-to-rent selloff mandate while preserving broader supply and affordability measures

New GSE updates allow immediate use of VantageScore 4.0 and signal shift toward multi-score underwriting environment

Calls for greater competition in credit scoring as price increases draw scrutiny

Findings show improved pre-screening could boost efficiency and first-time buyer access amid rising tri-merge costs and pricing shifts