联邦住房金融管理局（FHFA）局长比尔·普尔特周一表示，他不会容忍“滥用垄断地位”的行为主导抵押贷款市场。
Bill Pulte, the director of the Federal Housing Finance Agency (FHFA), said Monday he will not tolerate “abusive monopolies” dominating the mortgage market.
“滥用垄断地位的行为将不被允许在抵押贷款市场的任何地方利用消费者，”普尔特在社交平台上写道。普尔特上个月表示，房利美和房地美正在采用 VantageScore 信用指数进行抵押贷款定价。
“Abusive monopolies will not be allowed to take advantage of consumers anywhere in the mortgage market,” Pulte wrote on social platform Pulte said last month that Fannie Mae and Freddie Mac were adopting the VantageScore credit index for mortgage pricing.
个人的 VantageScore 由信用局 Experian、Equifax 和 TransUnion 创建，现在与其 FICO Classic Score 并列。FICO Classic Score 是几十年来抵押贷款行业的标准。
An individuals’ VantageScore, which credit bureaus Experian, Equifax and TransUnion created, is now juxtaposed against their FICO Classic Score, the mortgage industry standard for decades.
“我们正在根据贷款人和消费者的反馈简化抵押贷款定价，”普尔特 9 月在 X 平台上写道。“与其使用两个独立的定价网格——这毫无意义——房利美和房地美特此转为使用一个定价网格，VantageScore 将加入现有的 FICO Classic 定价网格。”普尔特所在的机构监管房利美和房地美，他在 4 月曾指示这两家政府资助企业更新其销售指南，采用 VantageScore 和 FICO Score 10T 指数。
“We are Simplifying Mortgage Pricing following feedback from lenders and consumers,” Pulte wrote on X in September. “Instead of two separate pricing grids, which makes zero sense, Fannie and Freddie are hereby moving to ONE PRICING GRID with VantageScore joining the existing FICO Classic pricing grid.”Pulte, whose agency regulates Fannie Mae and Freddie Mac, had directed the government-backed enterprises to update their selling guides with the VantageScore and FICO Score 10T indexes in April.
随着抵押贷款利率飙升至 7% 以上，这位 FHFA 局长一直在寻求削弱 FICO 对信用评分市场的控制。
The FHFA director has sought to ease FICO’s grip on the credit score market, as mortgage rates soar above 7 percent.
“自 2020 年以来，FICO 将每个人信用评分的价格提高了 1800%。FICO 享受了垄断地位。不再了，”他在 9 月初在 X 平台上写道。
“Since 2020, FICO has increased the price per a person’s credit score by 1,800%. FICO has enjoyed a monopoly. No more,” he wrote on X in early September.
根据房地美的数据，平均 30 年期固定抵押贷款利率上周下降，从 7.4% 降至 7.32%。除此之外，由于伊朗战争导致债券收益率和油价上涨，抵押贷款利率一直在上升。
The average 30-year fixed mortgage rate declined last week, falling from 7.4 percent to 7.32 percent, according to data from Freddie Mac. Mortgage rates have otherwise risen amid higher bond yields and oil prices due to the Iran war.
特朗普政府在中期选举前采取了多项行动以缓解购房难题，因为共和党在选举中面临经济逆风。
The Trump administration has taken multiple actions to ease access to homes ahead of the midterms, as Republicans face economic headwinds at the ballot box.
特朗普总统周四指示普尔特创建一个试点项目，一旦借款人满足权益要求，即取消政府担保抵押贷款的保险费。
President Trump on Thursday directed Pulte to create a pilot program to cancel insurance premiums for government-backed mortgages once a borrower has satisfied equity requirements.
同样在周四，财政部采取行动，禁止华尔街投资者购买独栋住宅——这是国会于6月通过的一项两党住房法案的一部分。
Also on Thursday, the Treasury Department moved to ban Wall Street investors from purchasing single-family homes — part of a bipartisan housing law Congress passed in June.