http://www.theglobeandmail.com/report-on-business/how-foreclosure-mess-got-so-bad/article1756963/

How this situation is reported up here in Canada. So I understand all 50 state governments are looking into this now and charging some of the mortgage lending companies.. Shoddy paperwork, improperly trained employees at some of these firms, lack of corporate governance to engage in ethical business practices and good client relations.

I know that some people here have said there must be more ethics in the workplace, politics (or more God in politics), but the reality is that there are certain industries and business processes that need strong regulatory oversight and penalties.

It literally needs in some cases, to be laid out step by step in writing, for people who are hired to look after people's finances. Then there has to be checks and monitoring on the process, regular audits and appropriate penalties if something goes wrong.