联邦住房金融局考虑放宽房贷信用报告要求：房利美房地美或只查一至两份报告 贷款价格附加费年内定
据美国银行家协会期刊（ABA Banking Journal）10月19日报道，联邦住房金融局（Federal Housing Finance Agency, FHFA）局长 Bill Pulte 在社交平台X发文表示，该局正研究是否取消房利美（Fannie Mae）与房地美（Freddie Mac）收购单户住宅贷款时沿用的「三合一」信用报告要求，改为只使用一份或两份信用报告。Pulte 写道，此举意在「为美国消费者带来比现有水平更多的节省」。目前，房利美与房地美收购的贷款均要求贷款机构合并三家征信机构的报告进行核查。
Pulte 同时表示，联邦住房金融局正继续研究房利美与房地美收取的贷款级价格调整费（Loan-Level Price Adjustments, LLPA），并预计在今年年底前就是否调整作出决定。今年早些时候，联邦住房金融局与住房和城市发展部（HUD）已宣布，联邦住房管理局（FHA）贷款在沿用经典 FICO 评分的同时，采用 FICO 10T 与 VantageScore 4.0 两种信用评分模型；HUD 当时决定 FHA 贷款保留三份报告的要求。联邦住房金融局此次研究的对象仅限房利美与房地美收购的贷款，尚未公布具体方案或实施时间表。
FHFA Weighs Dropping Tri-Merge Credit Report Requirement for Fannie Mae and Freddie Mac Loans
The Federal Housing Finance Agency (FHFA) is considering requiring only one or two credit reports for single-family loans acquired by Fannie Mae and Freddie Mac, FHFA Director Bill Pulte said in posts on X, according to the ABA Banking Journal on October 19. Fannie Mae and Freddie Mac currently impose a tri-merge requirement, under which lenders pull merged reports from all three credit bureaus. Pulte wrote that the agency is studying the use of just one or two credit reports 'to bring even more savings than we already have to American consumers.'
Pulte also said FHFA is continuing to study the Loan-Level Price Adjustments (LLPAs) assessed by Fannie Mae and Freddie Mac, and that he anticipates a decision on whether there will be any changes before year end. Earlier this year, FHFA and the U.S. Department of Housing and Urban Development (HUD) announced the adoption of the FICO 10T and VantageScore 4.0 credit scoring models alongside Classic FICO for Federal Housing Administration (FHA) loans, while HUD decided to keep the three-report requirement for FHA loans. FHFA has not announced a specific proposal or timetable for the Fannie Mae and Freddie Mac change.
发布：GSM·美国（发布链接）
图片来源：图：美国郊区住宅区航拍（资料图）。David Shankbone 摄，CC BY 3.0，经 Wikimedia Commons 发布。
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