Loan Think

Pushing back on critics, VantageScore's Chief Strategist and Chief Economist says VantageScore 4.0 boosts competition and predicts risk better than FICO.

Allowing the same three companies to control both credit scoring and credit reporting removes one significant check on manipulation or distortion of consumer data, writes the Director of Consumer Reporting and Data Advocacy at the National Consumer Law Center.

FHFA's surprise approval of VantageScore 4.0 raises concerns over data, implementation hurdles, and the politicized push to reform mortgage credit scoring, writes the Chairman of Whalen Global Advisors.

Rolling back PAVE signals a return to evidence-based housing policy and a rejection of flawed claims of systemic appraisal bias, say co-directors of the AEI Housing Center.

The Treasury's need to finance growing debt is the unspoken factor in the discussion of monetary policy and housing costs, the Chairman of Whalen Global Advisors argues.

Rising insurance costs and stricter rules threaten condo affordability, but balanced reforms can preserve access, according to a member of the Community Home Lenders of America.

The president should unwind the federal government's stake in Fannie Mae and Freddie Mac, and direct the proceeds to a housing remainder trust designed to close critical gaps in real estate lending.

As the Trump Administration looks for savings in the bloated federal housing complex, the most obvious opportunity is to return defaulted assets to the private sector, writes the chairman of Whalen Global Advisors.

A new proposal from the Senate Banking Committee for the massive budget bill to eliminate this source of funding for the Consumer Bureau is dangerous, writes the president of the Center for Responsible Lending