WASHINGTON, D.C. — The Federal Housing Finance Agency’s (FHFA) recent announcement on preserving Tri-Merge credit reports while approving the use of VantageScore 4.0 marks a significant policy development in mortgage lending. Prosperity Now appreciates the Agency’s focus on improving access to home financing and reducing costs for consumers.
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Implementation details will be key. Any changes to credit scoring frameworks—particularly in a market this complex—require clear coordination, consistent guidance, and transparency to ensure stability for lenders, investors, and borrowers alike.
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For households striving toward financial stability in today’s high-cost housing market, predictability in lending and pricing is essential. Expanding access to credit is a worthy goal, and the path to get there must be clear, actionable, and grounded in how the market operates.
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We look forward to additional guidance from FHFA and the GSEs in the weeks ahead. Prosperity Now remains committed to advancing data-driven solutions that increase financial access, protect consumers, and support a resilient, well-functioning housing finance system.

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