Federal Housing Finance Agency (FHFA)

Broeksmit says the compensation rule “isn’t long for this world,” but CFPB’s published agenda sets no firm timetable

Both bureaus introduce ways to purchase credit scores separately from reports, while Equifax reports growing VantageScore adoption and extends $1 pricing through 2028

More than 50 lenders are offering $845,000, $847,440, or $850,000 before FHFA acts, but investor execution and lender overlays determine which borrowers can use them

The rollout gives brokers and correspondent lenders another major outlet for VantageScore 4.0

With an announcement reportedly possible, the fight over two-bureau versus tri-merge credit reports is putting cost, borrower outcomes, and lender choice in the spotlight

Fannie and Freddie are giving some lenders more time to adopt UAD 3.6, meaning mortgage brokers may need to navigate different appraisal requirements across wholesale partners