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    <loc>https://fcraland.com/mortgage-rates-fall-to-7-26-as-home-prices-remain-elevated</loc>
    <lastmod>2026-11-04T18:13:10-05:00</lastmod>
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      <news:publication_date>2026-11-04T18:13:09-05:00</news:publication_date>
      <news:title>Mortgage rates fall to 7.26% as home prices remain elevated</news:title>
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      <image:title>Mortgage rates fall to 7.26% as home prices remain elevated</image:title>
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  <url>
    <loc>https://fcraland.com/democratic-takeover-puts-federal-student-loan-caps-back-in-debate</loc>
    <lastmod>2026-11-04T17:13:17-05:00</lastmod>
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      <news:publication>
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      <news:publication_date>2026-11-04T17:13:16-05:00</news:publication_date>
      <news:title>Democratic takeover puts federal student loan caps back in debate</news:title>
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      <image:title>Democratic takeover puts federal student loan caps back in debate</image:title>
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  <url>
    <loc>https://fcraland.com/survey-finds-many-americans-hide-credit-scores-and-debt-from-others</loc>
    <lastmod>2026-11-04T16:13:25-05:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-11-04T16:13:24-05:00</news:publication_date>
      <news:title>Survey finds many Americans hide credit scores and debt from others</news:title>
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      <image:title>Survey finds many Americans hide credit scores and debt from others</image:title>
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  <url>
    <loc>https://fcraland.com/survey-finds-23-4-of-respondents-plan-to-finance-part-of-christmas-purchases</loc>
    <lastmod>2026-11-04T14:13:32-05:00</lastmod>
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      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
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      <news:publication_date>2026-11-04T14:13:31-05:00</news:publication_date>
      <news:title>Survey finds 23.4% of respondents plan to finance part of Christmas purchases</news:title>
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      <image:loc>https://fcraland.com/uploads/ia-fintech-024ad9.webp</image:loc>
      <image:title>Survey finds 23.4% of respondents plan to finance part of Christmas purchases</image:title>
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  <url>
    <loc>https://fcraland.com/fannie-mae-sees-30-year-mortgage-rates-holding-at-7-5-through-2027</loc>
    <lastmod>2026-11-04T13:13:22-05:00</lastmod>
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      <news:publication_date>2026-11-04T13:13:21-05:00</news:publication_date>
      <news:title>Fannie Mae sees 30-year mortgage rates holding at 7.5% through 2027</news:title>
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      <image:title>Fannie Mae sees 30-year mortgage rates holding at 7.5% through 2027</image:title>
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  </url>
  <url>
    <loc>https://fcraland.com/mortgage-applications-slip-as-adjustable-rate-loans-gain-ground</loc>
    <lastmod>2026-11-04T12:13:08-05:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-11-04T12:13:07-05:00</news:publication_date>
      <news:title>Mortgage applications slip as adjustable-rate loans gain ground</news:title>
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      <image:loc>https://fcraland.com/uploads/ia-mortgages-loans-a3e448.webp</image:loc>
      <image:title>Mortgage applications slip as adjustable-rate loans gain ground</image:title>
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  </url>
  <url>
    <loc>https://fcraland.com/credit-card-delinquency-rose-sharply-across-states-in-the-second-quarter</loc>
    <lastmod>2026-11-04T11:13:44-05:00</lastmod>
    <news:news>
      <news:publication>
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      <news:publication_date>2026-11-04T11:13:43-05:00</news:publication_date>
      <news:title>Credit card delinquency rose sharply across states in the second quarter</news:title>
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      <image:loc>https://fcraland.com/uploads/ia-credit-cards-42d5bf.webp</image:loc>
      <image:title>Credit card delinquency rose sharply across states in the second quarter</image:title>
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  </url>
  <url>
    <loc>https://fcraland.com/social-security-sets-nov-18-cutoff-for-early-2027-cola-notices</loc>
    <lastmod>2026-11-04T09:13:18-05:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-11-04T09:13:18-05:00</news:publication_date>
      <news:title>Social Security sets Nov. 18 cutoff for early 2027 COLA notices</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-retirement-6a15b5.webp</image:loc>
      <image:title>Social Security sets Nov. 18 cutoff for early 2027 COLA notices</image:title>
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