But this alone will not be sufficient. Predatory lenders can just go around us. You will be hearing a lot more about this soon. And we look forward to working with the Coalition on this crucial goal. We're also leading the industry in taking the mystery out of loan decisions.
Consumers have a right to understand what is behind a lender's decision.
They have a right to know how they are being judged, on what basis. While automated underwriting has taken the bias out of loan decisions, consumers are still too much in the dark about how these systems work. I believe consumers have a right to know what's in the system. So last January, Fannie Mae revealed the 14 decision factors used by our underwriting system, Desktop Underwriter. But we're going to go farther than that.