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.
In a recent press release published by Andrew Davidson & Co., Inc., the firm shared new research highlighting how credit score differences across bureaus could impact costs for both consumers and mortgage investors. The release outlines findings from a large scale dataset that looks at how single bureau reporting could compare to the ...
In December 2025, Freddie Mac issued Bulletin 2025-16, introducing a new governance framework requirement for the use of artificial intelligence (AI) and machine learning (ML) by mortgage sellers/servicers. The new requirements, effective March 3, 2026, are designed to ensure the ethical, transparent, and safe deployment of AI in the ...
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 ...
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 ...
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.
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.
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