The undersigned consumer, civil rights and advocacy groups write to you today because over 38 million consumers are potentially being treated unfairly due to the failure of Federal National Mortgage Association (Fannie Mae) and Federal Home Loan Mortgage Corporation (Freddie Mac) to adopt updated credit score models that better predict credit worthiness for consumers with medical debts and thin files. We urge you to insist that Fannie Mae and Freddie Mac revise these policies immediately. The evidence is in: thirty-eight million consumers cannot wait for Fannie Mae and Freddie Mac to conduct further studies or engage in lengthy delays before changing these policies.