... credit rating agencies adopt the standardization that is the subject of the study. In particular, section 15E(c)(2) of the Exchange Act, added by the Rating Agency Act, provides that Commission ... letter, the Mortgage Insurance Companies of America is an association of the private mortgage insurance industry. 13 other provision of [section 15E] or any other provision of law,” the Commission ... variety of other types of credit ratings and assessments using various scales and measures. Each of the three largest NRSROs has dozens of rating scales. For example, Fitch, among other rating...