Dennis Hollier

Fannie Mae published new policies in December, which saw ADUs get treated like other home features or improvements.

Critics say that, by eliminating “prescribed activities,” FHFA has taken the teeth out of the DTS rule, making it difficult to enforce.

The new reporting system will become mandatory in September 2027, but servicers are encouraged to implement it as soon as they are ready.

Last week, the House Subcommittee on Housing and Insurance held its first hearing on the Federal Home Loan Banks since 2011, and there were several suggestions for reform.

The National Community Reinvestment Coalition, an advocacy group representing more than 750 community organizations, said FHFA “must improve the rigor of its proposed rule so it can accurately measure the GSEs’ activities in underserved markets and encourage an increase in those activities.”

Urban Institute researchers believe credit score gaming by lenders will raise scores for 44% of borrowers. Officials at FICO claim shopping appears to be occurring now that the GSEs accept VantageScore.

“Agency MBS investors continue to express a desire for additional loan-level data,” SFA wrote to FHFA regarding disclosures of credit scores used for originating mortgages.

More lenders are looking to be approved for the GSE's pilot program for the VantageScore 4.0 credit score.

Between the end of March and the end of June, the GSEs' combined mortgage portfolios grew just 1.7%, to $313.62 billion.

While the GSEs announced the end of the programs last week, the last single-family green MBS issuance by either GSE was in June 2025.