"Mortgage lenders in the U.S. increasingly face a lack of competition when it comes to accessing data and reports needed for loan originations. In many cases, a handful of firms have cornered the market, allowing those companies to levy a tax on every mortgage application or transaction in the country."

https://www.pymnts.com/consumer-finance/2024/cfpb-targeting-lack-of-competition-in-credit-reporting-credit-scores?utm_term=Main+Newsletter