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IR Industry News

This blog curates key headlines from trusted sources and adds expert insights from the Informative Research team to help lenders make smarter decisions, manage costs, and stay ahead of change.

Credit

Fannie Mae removes minimum credit score requirements from DU

In a Fannie Mae Selling Guide update released November 6, the agency announced that it will eliminate the minimum 620 credit score requirement from its Desktop Underwriter (DU) system starting November 16, 2025. The change is part of a broader update that also expands Day 1 Certainty offerings and revises documentation requirements for certain...

Nov 7, 2025

Government Shutdown Delays 4506-C Orders with Wet Signatures

Following up on our earlier post about potential IRS disruptions, the current government shutdown is now directly impacting processing of 4506-C tax transcript requests. The IRS division that handles wet-signed forms has been furloughed, causing delays for those orders.

Nov 6, 2025
Credit Score Models

Credit Bureaus Issue Statements Following FICO’s New Mortgage Pricing Announcement

Following FICO’s recent announcement of a new direct licensing model and updated pricing for mortgage credit scores, all three national credit bureaus—Equifax, Experian, and TransUnion—have released statements outlining their respective responses and updated offerings for lenders.

Oct 17, 2025
Bank Data

Open Banking Fees and What They Mean for Mortgage Verification

In a HousingWire article published August 21, 2025, Brian Francis of Informative Research explains how new, fee based data access models from large banks, including JPMorgan Chase, could reshape open banking for mortgage verification. It looks at what these models could mean for consumer permissioned data, lender workflows, and borrower costs. ...

Aug 25, 2025
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