Oh my God, my head is about to explode right now.  A couple of days ago I saw this headline and thought: what fresh hell is the Biden administration going to inflict upon us now?  In a nutshell, the Federal Housing Finance Agency is looking to eliminate single credit scoring out of the mortgage lending model and trade it for a more equitable process for easier loan access in the name of FAIRNESS.  Immediately my brain spat out “mortgage crisis here we come – do dah, do dah” – good luck getting that tune out of your head.  Sorry.  Then, in the rabbit hole process of finding supporting info, I see that we have a new FHFA director, Sandra Thompson, who is a radical leftist (shocker) who checks all the usual progressive intersectional boxes.