MBA Joint Trades Letter Requesting Data Analysis for Credit Scoring Initiative

2025 Comment Letters Data Security and Privacy Laws Government Lending Government Servicing Policy Issue Residential
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The undersigned organizations are writing to request that the Federal Housing Finance Agency (FHFA) release the analyses performed by FHFA, Fannie Mae, and Freddie Mac (the Enterprises) to assess various aspects of the credit scoring models – FICO 10T and VantageScore 4.0 – pursuant to the Validation and Approval of Credit Score Models Rule (12 CFR 1254.7) and the criteria stipulated in the Enterprise Credit Score Solicitation, as well as analyses conducted to support the shift to bi-merge reporting.

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