IR Industry News

Industry groups react to proposal to allow single-file credit reports

In a HousingWire article published February 9, 2026, and available behind a paywall, the industry is once again debating whether mortgage lenders should be allowed to use a single file credit report instead of the traditional tri merge. The proposal has drawn support from some trade groups focused on cost and efficiency, while others are urging...

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...

Government Shutdown Delays SSA Orders with Wet Signatures

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

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.

IRS Furloughs Could Slow 4506-C Transcript Processing

FICO Launches Direct Reseller Program, IR to Participate

What happens to 4506C and SSN Verifications if the Government Shuts Down?

What Mortgage Lenders Need to Know Before Trigger Leads End