The Center for Financial Services Innovation (CFSI) submitted this letter in response to the Federal Housing Finance Agency (FHFA)’s request for input, issued on December 20, 2017, regarding new credit scoring models in mortgage underwriting. Like the FHFA, CFSI believes that the adoption of new underwriting standards by Fannie Mae and Freddie Mac (the Enterprises) carries both benefits and risks for consumers in mortgage markets. CFSI welcomes the opportunity to share our perspective on how the Federal Housing Finance Agency (FHFA) can ensure that the Enterprises’ standards and processes can help consumers improve and maintain their financial health.