Patrick M. Brenner

couldn't have said it better myself

OPINION: “A single-file system allows lenders to cherry-pick the most ‘flattering’ data, masking true risk and repeating the underwriting failures that led to the 2008 financial crisis,” @pmbrenner91 argues.

@pmbrenner91 Continue reading in @WashTimesOpEd: washingtontimes.com/news/2026/apr/…

@pmbrenner91 Keep reading from the president of @southwestpolicy: washingtontimes.com/news/2026/apr/…

“Saving a borrower $50 on a credit report is a hollow victory if the resulting uncertainty premium adds 0.125% to their interest rate, costing them tens of thousands of dollars over the life of the loan,” @pmbrenner91 writes.

@pmbrenner91 Keep reading from @southwestpolicy's president: washingtontimes.com/news/2026/apr/…

“The affordability of housing is in crisis. Mortgage finance depends on confidence, and confidence depends on data integrity. Tri-merge reporting remains one of the quiet mechanisms preserving both,” @pmbrenner91 argues.

A college degree is no indication of competence.

The Mortgage Bankers Association is pushing to scrap the "tri-merge" credit report to save borrowers a few bucks upfront. But it could cost you tens of thousands in higher interest over the life of your loan. Accuracy is affordability. @MBAMortgage washingtontimes.com/news/2026/apr/…

Proposals to reduce credit data are unfounded and dangerous to the entire mortgage market. Removing the tri-merge standard would ultimately risk higher costs and weaken mortgage finance. @Pulte @MBAMortgage washingtontimes.com/news/2026/apr/…

Great points, Iain, and thanks for the shoutout! Here’s my @WSJopinion piece on Sarbanes-Oxley’s 20th anniversary showing the relative ease of going public before the law was enacted. In the 70s 80s and 90s, companies, including Walmart, Home Depot and Amazon went public with market valuations of less than $10 million, whereas many IPOs today exceed $1 billion, after the law’s burdensome mandates made it nearly impossible for smaller companies to go public. We need to repeal much of Sarbanes-Oxley as well as the abusive lawsuits @ToddZywicki discusses in his WaPo op-ed below. Here’s my piece from WSJ! wsj.com/opinion/the-20…

@MBAMortgage @WashTimesOpEd @WashTimes washingtontimes.com/news/2026/apr/…

The push to replace tri-merge credit reporting with "single-file" alternatives is a dangerous shortcut. Saving $50 upfront is a hollow victory if data gaps lead to higher interest rates and hidden risk. Accuracy is affordability. Full analysis by @pmbrenner91 in @WashTimes.

Here's how ERISA trial lawyers shake down 401(k) plans, even when they have no case: - File lawsuit - Survive motion to dismiss - Threaten years of costly litigation - Collect settlement Plan sponsors win 7 of 8 trials. But most never get that far. @USDOL Asst. Secretary Aronowitz told Congress exactly why that's a problem.

👇👇👇👇

Republicans and the Trump administration are taking action to protect retirees and American savers. EBSA's Assistant Sec. Aronowitz tells @RepWalberg how EBSA is taking decisive action to support fiduciaries and create more options for savers to invest.

Today, @Pinpoint_Policy is running ads in the @wsj_com and @nypost congratulating President Trump on his proposed 401(k) rule by giving all Americans the opportunity to achieve better returns. Here's what we said:

"One small step for man. One giant leap for [Americans]."

Expanding 401(k) access to high-growth alternative investments is a win for hardworking families. For too long, these tools for building generational wealth were reserved for the elite. It’s time to level the playing field for every American.