Federal Housing Finance Agency (FHFA)

How reliable and accurate consumer credit reports make innovative housing solutions a reality

A new analysis finds the FHFA’s decision to allow VantageScore in conforming mortgages could save lenders and borrowers approximately $650 million annually while expanding credit access to millions of additional consumers

The GSE reported $2.8 billion in fourth-quarter net income and $10.7 billion overall for 2025, as lower non-interest income and higher credit provisions tempered earnings despite stable credit performance, portfolio growth, and expanded affordable housing

The CSBS has added Chad Davis as senior vice president of legislative policy, tasking him with leading congressional engagement and shaping the organization’s federal advocacy on behalf of state financial regulators

FHFA has finalized 2026–2028 housing goals for Fannie Mae and Freddie Mac, lowering single‑family low-income benchmarks, while keeping multifamily targets steady to balance affordability and market stability

FICO’s agreement to release long-delayed historical 10T data clears the final obstacle to implementing more modern, inclusive credit scoring models at Fannie Mae and Freddie Mac