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” 4 Starting nearly half a century ago, antitrust law in the U.S. The governmentagencies that dominate mortgage finance 16 currently require a credit report from each of the three major credit reporting bureaus, 17 known as a “tri-merge” report. 15 Credit reports. See [link]. 10 See [link]. See [link].
The borrower of a conventional mortgage benefits tremendously from the evolution of the TBA market, which was not centrally planned or created by legislation but evolved over several decades as a collaboration between government mortgage agencies and the bond trading and investing community. ” [link]. [26]
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