So, our proposal is designed to protect consumers without shutting off access to responsible  6  A YSP is the present dollar value of the difference between the lowest interest rate the wholesale lenders would have accepted on a particular transaction and the interest rate the broker actually obtained for the lender. This dollar amount is usually paid to the mortgage broker.
This can be observed such as in the additional easing in the money market conditions, further decline in short-term interest rates, higher growth in monetary indicators, and the improvement in the fund-raising conditions of firms through the markets.