Surveys since then have yet to provide evidence of unwinding that tightness even for prime mortgages that can be backed by guarantees from Fannie Mae, Freddie Mac, or the Federal Housing Administration. 10  FICO scores are based on information that a credit bureau (for example, Experian, TransUnion, and Equifax) keeps on an individual.
We believe that these proposed enhanced disclosure requirements will help to avoid a recurrence of market uncertainties about the strength of banks' balance sheets related to their capital market activities.