CONTROVERSIA
Portrait of Fair Isaac

Photo: FICO · Public domain

Headquarters: United States — Credit scoring / analytics / decision management / fraude / logiciels

Fair Isaac

Banking, finance and insurance

Fiche documentée couvrant 7 controverses, dont « Fondation de Fair, Isaac and Company » et « Premier système de credit scoring ».

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Profile No. 5255 · Updated on 13 October 2026

Portrait of Fair Isaac

Photo: FICO · Public domain
7Documented controversies+ 4 background events
8Sources
0Formal charge · all time
0Conviction

§ Legal statuses reflect the documented sources as of the date shown; they replace neither court decisions nor the presumption of innocence. Counts are not a rating. Methodology

I. Documented controversies

01

2020–2026

Actions collectives antitrust contre FICO et les trois bureaux de crédit

Civil / administrative proceedings

Des actions consolidées dans le Northern District of Illinois accusent FICO et les trois bureaux de violations antitrust liées à la distribution des FICO Scores.

State of the evidence
Documented

Sources · 1

  1. [1]
    U.S. Securities and Exchange CommissionFICO Form 10-Q for quarter ended June 30, 2026Regulatory filingVery high reliability

Last verified: 21 September 2026

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02

2025–2026

FHFA ouvre progressivement le marché hypothécaire à VantageScore 4.0

No legal proceedings

La FHFA autorise progressivement VantageScore 4.0 en alternative au Classic FICO pour des prêts vendus aux GSE, tandis que FICO 10T est prévu pour une adoption ultérieure.

State of the evidence
Documented

Sources · 1

  1. [1]
    Federal Housing Finance AgencyCredit ScoresOfficial documentVery high reliability

Last verified: 21 September 2026

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03

9 septembre 2026

VantageScore 4.0 devient disponible à tous les prêteurs approuvés des GSE

No legal proceedings

Fannie Mae et Freddie Mac étendent l'usage de VantageScore 4.0 à tous leurs prêteurs approuvés, tandis que Classic FICO demeure autorisé et FICO 10T n'est pas encore éligible.

State of the evidence
Documented
Legal status — source text
implemented

Sources · 1

  1. [1]
    Federal Housing Finance AgencyCredit ScoresOfficial documentVery high reliability

Last verified: 21 September 2026

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04

2023–2024

Hausse et standardisation des frais de score hypothécaire critiquées publiquement

No legal proceedings

Le CFPB critique publiquement une forte hausse du coût des scores hypothécaires après un changement de tarification de FICO et décrit les frais appliqués via les agences de crédit.

State of the evidence
Documented
Legal status — source text
Not applicable
Attribution
Directly implicated

Sources · 1

  1. [1]
    Consumer Financial Protection BureauPrepared Remarks of CFPB Director Rohit Chopra at the Mortgage Bankers AssociationOfficial statementVery high reliability

Last verified: 21 September 2026

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05

5 août 2002

Fusion avec HNC Software

No legal proceedings

Fair Isaac finalise sa fusion avec HNC Software, intégrant des technologies d'analytics, fraude et decision management.

State of the evidence
Documented
Legal status — source text
completed

Sources · 1

  1. [1]
    FICOFair, Isaac Completes Merger with HNC SoftwarePress releaseHigh reliability

Last verified: 21 September 2026

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06

1989–1991

Déploiement généralisé du score de bureau FICO

No legal proceedings

Le FICO Score est introduit aux États-Unis à la fin des années 1980 et devient disponible auprès des trois grands bureaux de crédit au début des années 1990.

State of the evidence
Documented
Legal status — source text
Not applicable
Attribution
Directly implicated

Sources · 2

  1. [1]
    U.S. Securities and Exchange CommissionFICO Form 10-K for fiscal year ended September 30, 2025Regulatory filingVery high reliability
  2. [2]
    FICOFair Isaac 2006 Annual Report - Key MilestonesReportVery high reliability

Last verified: 21 September 2026

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07

1958

Premier système de credit scoring

No legal proceedings

Fair Isaac développe en 1958 son premier système de credit scoring pour American Investment.

State of the evidence
Documented
Legal status — source text
Not applicable
Attribution
Directly implicated

Sources · 1

  1. [1]
    FICOFair Isaac 2006 Annual Report - Key MilestonesReportVery high reliability

Last verified: 21 September 2026

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II. Documented background

Documented biographical or institutional milestones (elections, appointments, foundings, acquisitions…). These are not controversies and are not counted as such.

  1. 1er octobre 2025

    Lancement du Mortgage Direct License Program

    FICO lance un modèle permettant à des revendeurs tri-merge de calculer et distribuer directement les FICO Scores sans passer par les trois bureaux, avec deux modèles de prix.

    Sources · 1
    1. FICO — FICO Launches Cost-Cutting Direct License Program for Mortgage Lending
  2. 2001

    Lancement de myFICO pour l'accès direct des consommateurs

    FICO lance myFICO.com pour permettre aux consommateurs d'accéder à leurs scores et à des informations de crédit.

    Sources · 1
    1. FICO — Fair Isaac 2006 Annual Report - Key Milestones
  3. juillet 1987

    Introduction en bourse

    FICO réalise son IPO en juillet 1987 à 9,50 dollars par action, d'abord au Nasdaq avant le NYSE en 1996.

    Sources · 1
    1. FICO — Corporate information
  4. 1956

    Fondation de Fair, Isaac and Company

    Bill Fair et Earl Isaac fondent Fair, Isaac and Company autour de l'utilisation analytique des données pour améliorer les décisions.

    Sources · 2
    1. FICO — Corporate information
    2. FICO — Fair Isaac 2006 Annual Report - Key Milestones

III. Constellation of documented links

No documented link with another published profile for now.

Two profiles are linked when a documented controversy of one names the other. The link points to that controversy and its sources; it does not indicate a personal relationship.

IV. Has something changed?

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