Federal Housing Finance Agency
Op-Ed
Stay The Execution Of Tri-Merge
The Mortgage Bankers Association gathered in Chicago last month, where its president, Bob Broeksmit, declared he is “increasingly confident that tri-merge won’t be around for long.” The Federal Housing Finance Agency, expected to follow with a…
Originally published inThe Mortgage Note
Policy Brief
The Tri-Merge Standard: Credit Reporting and Mortgage Market Safeguards
Lower credit-reporting fees improve affordability only if the savings survive their effects on mortgage eligibility, loan pricing, and risk.
Op-Ed
Mortgage rates just fell below a crucial psychological threshold
The difference from a 6 percent rate is tiny, but the appeal to customers is big.
Originally published inThe Washington Post
Policy Brief
Weakening Tri-Merge Would Make Housing Less Affordable
Why cutting credit reporting costs won’t fix housing affordability, and may make it worse.