I recently spoke with the lawyer who is acting as committee for the foreclosing bank on a particular property. 

Every town should have a grievance committee, which is usually made up of officials, business people and realtors.

Some have a vetting process where all residents have to be reviewed by their committee.

They have literally been caught bribing the committee members who regulate them. 

I sat on a committee to write green standards for the national appraisal institute and we wrote a white paper addressing issues such as this

Does he / do they chair any credit industry committees?

Our committee will then meet again and provide the next steps for each Chairperson to help them organize their group.

Banks aren't touching any of this now or in the next few years.More distressed residential and commercial is hitting the market.As a couple of VP's of local and regional banks have told me.Bring in a request for a unsecured line or construction loan to the committee for a vote is the fastest way to get you CANNED.They have too much of this crap defaulted on their books.They want NO RISK lending to offset book losses in the future so that the FDIC doesn't shut them down for not having enough capital and loss reserves.Private money is the way to go.If the project and numbers make sense they will do it.

I do agree that it is probably best for me to at least file a complaint with the state licensing committee.

I am also on the educational committee for the Rich Club in Houston plus friends with nearly every board member, many of which are wholesalers and one of which is a licensed attorney with whom I am good friends.