The lawsuit centers on two Optimal Blue tools launched in 2019, Competitive Analytics and Competitive Data License, which require lenders to share an unprecedented quantity and quality of non-public, competitively sensitive, granular, real-time data covering every component of their residential Mortgage Pricing and profit margins. Plaintiffs allege this data-sharing arrangement the price of admission to this cartel allowed lenders to coordinate pricing rather than compete, effectively inflating rates and margins.