Should FHFA Scrutiny of Credit Pricing and New Leadership at TruEmpower Require Action From TransUnion (TRU) Investors?

• In early January 2026, TransUnion received public criticism from the Federal Housing Finance Agency over its credit reporting pricing practices, following complaints that mortgage originators were facing sharp increases in credit reporting costs and calls to reduce the number of required reports for some borrowers.
• Around the same time, TransUnion appointed former Capital One executive Francesca Noli to lead its Global Consumer Solutions TruEmpower portfolio, highlighting a push to expand credit education and identity protection offerings using data-driven product development and customer engagement.
• Next, we’ll examine how fresh regulatory scrutiny of TransUnion’s pricing could influence the existing investment narrative built around data, analytics and profitability.

AI is about to change healthcare. These 29 stocks are working on everything from early diagnostics to drug discovery. The best part - they are all under $10b in market cap - there's still time to get in early.

TransUnion Investment Narrative Recap

To own TransUnion, you generally need to believe that its data and analytics platform can keep compounding value despite regulatory and competitive pressures. The FHFA criticism over mortgage credit report pricing speaks directly to near term revenue and margin risk in U.S. mortgage, but it does not appear to alter the broader thesis that earnings growth will be driven by expanding solutions across risk, fraud and consumer products.

The appointment of Francesca Noli to lead TruEmpower looks particularly relevant here, because it reinforces TransUnion’s push into consumer facing credit education and identity protection at a time when traditional mortgage related credit bureau fees are under scrutiny. If those newer offerings gain traction, they could help diversify away from more regulated revenue streams and support the earnings growth that many investors are currently counting on.

Yet for all of that potential, investors still need to be aware that regulatory scrutiny of pricing and data use could...

Read the full narrative on TransUnion (it's free!)

TransUnion's narrative projects $5.6 billion revenue and $869.9 million earnings by 2028. This requires 8.4% yearly revenue growth and an earnings increase of about $478 million from $392.0 million today.

Uncover how TransUnion's forecasts yield a $107.25 fair value, a 28% upside to its current price.

Exploring Other Perspectives

Two members of the Simply Wall St Community currently see fair value for TransUnion between US$107.25 and US$210.46, highlighting a wide spread in individual expectations. When you set those opinions against fresh FHFA scrutiny of credit report pricing, it underlines how important regulatory risk could be for the company’s future performance and why it is worth weighing several viewpoints before deciding how to approach the stock.

Explore 2 other fair value estimates on TransUnion - why the stock might be worth over 2x more than the current price!

Build Your Own TransUnion Narrative

Disagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.

• A great starting point for your TransUnion research is our analysis highlighting 4 key rewards and 1 important warning sign that could impact your investment decision.
• Our free TransUnion research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate TransUnion's overall financial health at a glance.

Want Some Alternatives?

Our top stock finds are flying under the radar-for now. Get in early:

• Outshine the giants: these 26 early-stage AI stocks could fund your retirement.
• The end of cancer? These 29 emerging AI stocks are developing tech that will allow early identification of life changing diseases like cancer and Alzheimer's.
• Uncover the next big thing with financially sound penny stocks that balance risk and reward.

This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com