Fair Isaac Corp. shares rose 11% on Thursday, recovering part of a more than 20% drop two days earlier after the Federal Housing Finance Agency, a U.S. housing regulator, introduced competition to FICO Score's longstanding role in the mortgage market. The policy changes place VantageScore and FICO on the same mortgage pricing grid for loans backed by Fannie Mae and Freddie Mac, potentially pressuring FICO's mortgage pricing power. Analysts from Robert W. Baird and Bank of America lowered their price targets in response to the rule changes. Bank of America downgraded the stock to Neutral from Buy and cut its price target to $700 from $1,400, citing risks to score volumes, pricing and market share. FHFA director Bill Pulte said the move was intended to simplify mortgage pricing and later said FICO Scores remained approved.