Licensing can be expensive, have requirements they can't meet, and will subject all their files to regular expensive audits.

The Federal government audits the lenders and randomly picks out mortgage loan application files for completeness and appropriateness.7.

They may have a greater problem though if they see the audit feature being turned on and off.

I did an energy audit through national grid.

- Contractors can get prosecuted too if they are audited?...

I work in the hvac field and several companies offer home energy audits.

.- Apparently the banks don't always notice the change in the title (they check these things in random audits), but certainly notice when you change insurance.

While a lender will almost always continue with the foreclosure requirements, they may take other actions internally to prepare for a sale, like auditing the account again for a payoff.

They are also subject to random audits by the State.

Like @Kyle Hipp, I have grown to appreciate the audit trail of SMS over telephone conversations, but still prefer e-mail to distribute information and face-to-face meetings to conduct negotiations.