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FICO bypasses credit bureaus with new program for mortgage lenders

Fair Isaac Corp. (FICO) has launched a program allowing tri-merge resellers to calculate and distribute its scores directly to mortgage companies, effectively bypassing the three nationwide credit bureaus: Equifax, TransUnion and Experian. The move comes amid intensified competition with VantageScore, owned by the three bureaus, following the Federal Housing Finance Agency’s (FHFA) decision to let...

Home Price Growth Stalls as U.S. Housing Market Shows First Signs of Cooling in 2025

After a strong start to the year, the U.S. housing market hit a patch of weakness in July, with home-price growth slowing to its lowest level in 2025 and signaling that a broader cooling trend may be underway. The S&P Cotality Case-Shiller National Home Price Index rose 1.7% year-over-year in July, down from a 4.1% pace in January. On a month-to-month basis, the non-seasonally adjusted index slipped...

CFPB ends multiple lender consent orders, opens few new cases

Under the Trump administration, the Consumer Financial Protection Bureau (CFPB) has been winding down enforcement actions against lenders and servicers while opening only two new cases. On Sept. 18, the Bureau terminated consent orders against Washington Federal Bank, Planet Home Lending, Apple Inc. and U.S. Bank National Association. The cases spanned mortgage rules, credit cards and bank accounts....

FinCEN delays implementation of anti-money laundering rule

Title insurance firms gearing up for the implementation of the Financial Crimes Enforcement Network’s (FinCEN) Anti-Money Laundering Regulations for Residential Real Estate Transfers Rule can slow their efforts. On Tuesday, FinCEN announced that it was postponing the implementation of the policy from Dec. 1, 2025, to March 1, 2026. The rule requires title firms to report specific details on all-cash...

Record senior home equity is fueling demand for new solutions for older American homeowners

Older American homeowners hold substantial home equity, built over decades of steady ownership. With refinances scarce and mortgage rates still elevated, that stockpile has become the most durable growth story in housing finance—and one of the most practical ways to help older households manage expenses, preserve independence and stay in their homes. The question is not whether the equity exists....

Broker Public Portal becomes Cribio, chooses the consumer’s side

The Broker Public Portal (BPP) is launching a new chapter in its effort to provide an industry-owned alternative to major home search websites — rebranding its national homebuying platform under the name Cribio. Leaders behind the project say the move reflects both a commitment to consumers and a reassertion of trust between brokers, agents and multiple listing services (MLSs). “This is the...

Houston MLS enters data share agreement with DFW counterpart

Transacting business across the Lone Star State just got a bit easier for Texas real estate professionals and consumers. Houston Realtors Information Service, Inc., which is perhaps better known as HAR.com, and North Texas Real Estate Information Systems, Inc. (NTREIS) have entered into a data sharing agreement, according to an announcement on Tuesday.  Through this data share agreement HAR MLS...

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