On behalf of it’s members, the Professional Background Screening Association (PBSA) has filed a formal complaint against the Virginia State Police in response to Virginia Code § 19.2-392.16 and its…

Mortgage Credit Link (MCL), Now XedaLink       San Antonio, Texas — May 27, 2026 — Sarma today issued the following statement regarding the announcement that Xactus has acquired Mortgage Credit Link (MCL), which will now operate under…

Apr 22, 2026 Article from the National Mortgage Professional.com By Czarinna Andres Managing Editor New GSE updates allow immediate use of VantageScore 4.0 and signal shift toward multi-score underwriting environment Editor’s…

Today, NCRA was Quoted in a HousingWire Story   Single-file credit proposal reignites debate over savings vs risks Proponents highlight savings and efficiency for borrowers and lenders; critics warn reduced…

Last week the Community Home Lenders of America updated a 2024 white paper to make clear that it opposes a “Single Credit Bureau Pull model due to many unresolved issues and…

In mortgage lending, more data means better decisions. Authored by Trans Union Insights. A robust credit picture helps lenders assess risk accurately, expand access to credit and protect long-term market…

Why Background Checks Are Critical in the Era of “Ghosting” and Job Scams As we move toward 2026, the employment landscape is shifting dangerously. With the rise of the “ghost…

FICO’s agreement removes final barrier for implementing more modern, inclusive credit scoring models at Fannie Mae and Freddie Mac The Federal Housing Finance Agency (FHFA) and Fair Isaac and Company…

  Effective January 1, 2026, All Mortgage Credit Resellers Applying Pricing Changes Driven By FICO® and National Credit Reporting Agencies   Key Cost Drivers Score Price Hike: FICO®’s new direct…

Introducing Meridianlink’s Latest Encompass EPC Features – November 2025 Release Dear Valued Customers, We are pleased to share our latest updates from the Encompass EPC Release for November 2025, for…

The credit reporting agency affirms its ‘ardent’ support for tri-merge model Luke Baynes  October 20, 2025 TransUnion, one of “big three” credit reporting agencies, remains all in on the tri-merge…

Pricing Changes for VantageScore 4.0 Offered By Equifax Here are the key points: VantageScore Pricing Cut: Equifax has reduced the price of its VantageScore 4.0 mortgage credit scores to $4.50…

FOR IMMEDIATE RELEASE October 2, 2025 CDIA Statement Regarding Changes in FICO Pricing WASHINGTON, D.C. – While the Direct License Program announced by FICO is positioned as a cost-cutting measure,…

The New FICO Program FICO’s new program allows tri-merge resellers (which compile scores from the three credit bureaus) to purchase FICO scores directly from FICO, effectively bypassing the three major…

MBA’s Bob Broeksmit, Provides Updates on GSE Reform, Bevy of Regulatory Issues   The association will also be keeping an eye on issues such as a new proposal related to…

Pres. Trump signed H.R. 2808, the Homebuyers Privacy Protection Act. September 5, 2025 , The law amends the FCRA ((Sec. 604(c), 15 U.S.C. 1681b(c)) to prevent consumer reporting agencies from…

Mortgage Banks Association Discusses Several Key Advocacy Updates August 11, 2025 Trigger Leads Bill Passes: The Homebuyers Privacy Protection Act of 2025 (H.R. 2808) passed both the House and Senate…

Homebuyers Privacy Protection Act protects consumers against unwanted calls and messages The Homebuyers Privacy Protection Act (H.R. 2808) has been approved by the Senate and is heading to the President’s desk…

  Mortgage Brokers and Lenders FAQ’s on score competition   This week, FHFA issued FAQs adding clarity to recent X posts from FHFA Director Bill Pulte on score competition and credit report merging.…

The Mortgage Bankers Association (MBA), American Bankers Association, Housing Policy Council, and Structured Finance Association have issued a joint statement regarding the Federal Housing Finance Agency’s (FHFA) recent decision on…

July 14, 2025 A U.S. District Court in Texas has vacated a rule from the CFPB that would have removed medical debt information from consumer credit reports Court Permanently Blocks…

Pulte: GSEs will allow lenders to use VantageScore 4.0 immediately; tri-merge stays FHFA Director Pulte made an X post earlier today: “Effective today, to increase competition to the Credit Score…

NCRA President calls it “an untested experiment” that could exclude millions of creditworthy borrowers. KEY TAKEAWAYS NCRA President discusses potentially harmful impact on younger borrowers and consumers of color. Better…

Mortgage trigger bills move unanimously     Last week, the U.S. House Committee on Financial Services passed the Homebuyers Privacy Protection Act (H.R. 2808). The bill, largely a ban on…

Earlier this month, the House Oversight and Government Reform Committee held a hearing, The Federal Government in the Age of Artificial Intelligence. During the hearing, Rep. Summer Lee (D-PA), said that…

We reported before how the SSA supported a “comprehensive plan to improve the Electronic Consent Based Social Security Number Verification (eCBSV) service” when it issued a list of accomplishments from Pres. Trump’s…

The Consumer Financial Protection Bureau today released a document that is due to be published in the Federal Register on Monday rescinding and withdrawing 57 different pieces of guidance and interpretive rules…

Lawmakers reintroduce bill aimed at preventing abusive spam calls to homebuyers The Homebuyers Privacy Protection Act, which aims to crack down on the sale of consumers’ contact information by credit…