Andrew Davidson quoted in Inside Mortgage Finance article titled "GSEs Publish VS4 Pricing Grids, LLPA Reforms Linger"

Even though FHFA Director Bill Pulte spent much of last year floating the idea of LLPA reform as a way to lower the cost of a mortgage, the new LLPA grids for VantageScore 4.0 were not accompanied by a reduction in fees for Classic FICO loans.