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  "path": "/articles/mortgage-credit-report-clash/",
  "publishedAt": "2026-02-09T20:13:49.000Z",
  "site": "https://www.housingwire.com",
  "tags": [
    "LendingLife",
    "Mortgage",
    "Origination",
    "Bob Broeksmit",
    "Community Home Lenders of America",
    "credit report",
    "HWmember",
    "Mortgage Bankers Association"
  ],
  "textContent": "A proposal to replace the longstanding tri-merge credit report with a single-file model has reignited debate over borrower costs and systemic risk, placing trade associations on opposing sides.",
  "title": "Single-file credit proposal reignites debate over savings vs risks"
}