Washington says it wants to lower costs and expand access to credit. For millions of entrepreneurs, access to credit depends not only on the health of their businesses but also on their personal credit profiles. That is why regulatory decisions that make borrowing more complex or expensive deserve close scrutiny. 

Recent disclosures obtained through a Freedom of Information Act (FOIA) request by the Housing Policy Council raise important questions about the Federal Housing Finance Agency’s (FHFA) decision to require the use of two credit scores for mortgages sold to Fannie Mae and Freddie Mac.

As part of an FHFA-directed details ⇒

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