Why the tri-merge credit mandate is hard to defend

By: Christopher Whalen | Published: 2026-01-22 21:41:58 | Source: www.nationalmortgagenews.com

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In a December 2025 letter to Federal Housing Finance Agency Director Bill Pulte, the Mortgage Bankers Association noted that “the current GSE requirement to obtain a report from each of the three credit reporting agencies creates a situation where…

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Why the tri-merge credit mandate is hard to defend