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- Indexed articles, last 90 days
- 10
- Latest publication
- Sep 16, 2026
- Outlet visibility, for redlandsdailyfacts
- Top 5M sites
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- Jul 17, 2026
Latest articles
VantageScore has entered the mortgage market. How will this affect housing, affordability, and competition? - R Street Institute (opens the original)
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For nearly four decades, the credit score that determined whether Americans could achieve the dream of homeownership came from a single company: the Fair Isaac Corporation (FICO). But recent regulatory changes allowing use of the scoring model VantageScore 4.0 have finally brought competition to mortgage underwriting. Mortgage underwriting: A brief explanation Mortgage underwriting uses a variety of factors gleaned from an individual’s financial history to determine their eligibility to borrow f
Scammers are making the government harder to trust - R Street Institute (opens the original)
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“Your vehicle has an unpaid toll. Pay now to avoid late fees and legal action.” Countless Americans have received some form of this text in recent years. Unfortunately, it is part of a pattern. In 2025, there was an 87% increase in government impersonation scams reported to the FBI. Americans lost about $920 million that year to criminals posing as government agencies, up from $789 million in 2024, according to the Federal Trade Commission (FTC). And now, scammers are impersonating FBI employees
Prediction markets: What is their function, and how should we regulate them? - R Street Institute (opens the original)
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Right now, traders are pricing the odds that a Federal Reserve rate cut happens later this month, whether a particular drug will receive approval from the Food and Drug Administration, and if a nuclear deal with Iran will be reached by a certain date—and it’s all happening on prediction markets. Prediction markets are straightforward in that they put a price on the probability of a future event rather than the price of a stock or a barrel of oil as in traditional financial markets. While the pre
Scammers are making the government harder to trust (opens the original)
Read excerpt
“Your vehicle has an unpaid toll. Pay now to avoid late fees and legal action.” Countless Americans have received some form of this text in recent years. Unfortunately, it is part of a pattern. In 2025, there was an 87% increase in government impersonation scams reported to the FBI. Americans lost about $920 million that year to criminals posing as government agencies, up from $789 million in 2024, according to the Federal Trade Commission (FTC). And now, scammers are impersonating FBI employees
Scammers are open for business. Washington isn't. - R Street Institute (opens the original)
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Your phone buzzes. A text from an unknown number alerts you to an unpaid toll. Next, a call comes in with the name of your bank, claiming your account is compromised. Later, you see an ad for a celebrity-endorsed crypto investment on social media. The problem is, it’s all fraudulent. The bigger problem is, it’s coming from an increasingly sophisticated trillion-dollar criminal scam industry. And the federal government has largely been negligent in its response. The numbers are staggering. The Fe
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