Credit law tracker

Laws about credit reports change every year, and the rules can differ from one state to the next. This tracker explains, in plain English, the state and federal laws that affect what can appear on your credit reports and what rights you have.

It is here for education and to help you monitor your own credit with confidence. We do not offer credit repair. Everything on these pages is something you can do yourself, for free, using the official source linked on each entry.

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Took effect in the last 12 months

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Federal laws and rules

The Fair Credit Reporting Act and federal rules from the CFPB and the FTC apply in every state.

2 entries

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Recently effective and upcoming

FHA INFO 2026-21: VantageScore 4.0 and FICO Score 10T for FHA-insured mortgages

Final rule

Jurisdiction: Federal
Citation:: FHA INFO 2026-21
Effective:: Jan 1, 2027

FHA announced that starting January 1, 2027, lenders may use VantageScore 4.0 and FICO Score 10T, alongside Classic FICO, to underwrite FHA-insured mortgages. Until FHA publishes updated handbook policy, lenders keep following current FHA rules.

What you can do

If you plan an FHA loan in 2027, ask lenders which score models they will accept.

Official sources

HUD: FHA INFO messages

Source checked Sep 29, 2026

Fannie Mae and Freddie Mac: VantageScore 4.0 available to all lenders (Lender Letter LL-2026-06)

In effect

Jurisdiction: Federal
Citation:: Fannie Mae LL-2026-06
Effective:: Sep 9, 2026

Since September 9, 2026, every Fannie Mae and Freddie Mac approved lender can use VantageScore 4.0 without first getting written approval. Classic FICO also remains approved, and FHFA says no retirement date for it has been set. FICO 10T is not yet eligible for delivery, and the tri-merge credit report requirement has not changed.

What you can do

Ask your mortgage lender which credit score model it is using before you apply.

Official sources

Source checked Sep 29, 2026

This is general education, not legal advice. Laws change; check the official source linked on each entry.