legislation: 114-hr-4211

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bill_id congress bill_type bill_number title policy_area introduced_date latest_action_date latest_action_text origin_chamber sponsor_name sponsor_state sponsor_party sponsor_bioguide_id cosponsor_count summary_text update_date url
114-hr-4211 114 hr 4211 Credit Score Competition Act of 2015 Housing and Community Development 2015-12-10 2016-09-27 Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral. House Rep. Royce, Edward R. [R-CA-39] CA R R000487 8 Credit Score Competition Act of 2015 This bill amends the Federal National Mortgage Association Charter Act to authorize the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (government sponsored enterprises, or GSEs) to use credit scores in purchasing residential mortgages only under certain conditions, including that the GSE has established and made publicly available a description of the process it will use to validate and approve credit scoring models. The Director of the Federal Housing Finance Agency may, by regulation, establish standards and criteria for any process used by a GSE to validate and approve credit scoring models pursuant to the Acts. 2023-01-11T13:32:29Z  

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