19  The CFPB has proposed a higher spread threshold for first-lien QMs originated by small creditors and for certain types of balloon mortgages. BIS central bankers’ speeches  5  increase in the cost of originating loans to borrowers with lower credit scores.
Money is not the only ingredient required for successful businesses. They need assistance with business acumen and good governance principles. Training, coaching and mentoring, including complying with the laws, are huge challenges.