10月6日：知名信用评分机构FICO于周二宣布，作为整体重组及人工智能整合计划的一部分，公司将裁减约15%的员工。随着企业加速自动化进程并将资金投向技术领域，FICO成为近期又一家实施裁员的美国公司。
Oct 6 : Credit-scoring giant Fair Isaac, known as FICO, said on Tuesday it would trim about 15 per cent of its workforce as part of a broader restructuring and AI integration, becoming the latest US company to cut jobs as businesses automate tasks and redirect spending toward the technology.
FICO在给路透社的一份声明中表示：“这种精简后的架构将助力我们更迅速地开展业务、推出创新产品，从而为客户创造更多价值。”不过公司并未透露具体的裁员人数。
"This simplified structure will allow us to operate and bring innovations to market faster and create more value for our customers," FICO told Reuters in a statement. It did not specify the number of employees laid off.
截至2025年9月底，FICO共有3,811名员工，这意味着此次裁员将波及约570名员工。公司已于本周开始向相关员工发布通知。
Fair Isaac had 3,811 employees at the end of September 2025, meaning the cuts could affect about 570 workers. It began notifying employees this week.
据预计，2026财年第四季度公司将产生约2,700万美元的税前支出，主要用于支付遣散费。整个重组计划预计将于2027财年第三季度基本完成。
It said it expects about $27 million in pre-tax charges in the fourth quarter of fiscal 2026, primarily related to severance. The plan is largely expected to be completed by the third quarter of fiscal 2027.
监管压力重创股价：由于美国监管机构正着手削弱FICO在房贷信用评分领域的长期垄断地位，这家以FICO评分体系闻名的企业股价今年以来已累计下跌约58%。FICO评分体系被众多银行、信用卡发行机构、房贷机构及汽车贷款提供商广泛用作评估消费者信用风险的重要指标。
REGULATORY PUSH WEIGHS ON SHARES Shares of the company — known for its FICO score, a measure of consumer credit risk widely used by banks, credit card issuers, mortgage lenders and auto loan providers — have plunged about 58 per cent this year as US regulators seek to loosen its longstanding hold on mortgage credit scoring.
上个月，美国联邦住房金融局要求房贷巨头房利美与房地美允许所有贷款机构采用由益博睿、艾可菲及环联联合开发的竞争产品——VantageScore作为信用评分依据。该局局长比尔·普尔特还宣布，房利美与房地美将针对FICO评分与VantageScore实施统一的定价标准，此举将使两家评分体系处于同等竞争地位，进而对FICO在房贷信用评估领域的主导地位构成严峻挑战。
Last month, the US Federal Housing Finance Agency (FHFA) directed mortgage finance giants Fannie Mae and Freddie Mac to allow all lenders to use VantageScore, a rival developed by Equifax, Experian and TransUnion, for credit scoring. FHFA director Bill Pulte also said Fannie Mae and Freddie Mac would adopt a single pricing grid for both VantageScore and FICO scores, effectively putting the rivals on equal footing and threatening FICO's dominance as the standard measure of consumer credit risk in mortgage lending.