Changing the rules


The subprime mortgage crisis in the US has resulted in some lenders ceasing operations and left many others struggling to originate and sell loans. As of September 2007, more than 60 mortgage lenders and servicers had exited the business. Many were small regional concerns but a number were large nationwide companies, such as New Century Mortgage Corporation and Fremont Loan & Investment.

The US Congress has reacted to this situation by focusing its attention on issues such as underwriting

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