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Here's what experts had to say about the evolution of non-QM loans and the challenges and opportunities for their growth in the near future.
White Paper
Fair competition in credit scoring can foster innovation and expand the population of scored consumers. However, the credit bureaus’ ownership of Vantage[1]Score creates anti-competitive incentives that may ultimately harm both borrowers and lenders. With the Federal Housing Finance Agency (FHFA) considering comments on its Notice of Proposed Rulemaking regarding the Validation and Approval of Credit Score Models, this issue should interest anyone concerned about the safety and soundness of the $6.7 trillion conforming mortgage market.
• Data privacy and unregulated credit scores experts answered a Senate Committee’s questions about the impact of data brokers on financial data privacy during this 2019 hearing titled, “Data Brokers and the Impact on Financial Data Privacy, Credit, Insurance, Employment, and Housing.”
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