The financial institution?

(There are exceptions to this for small creditors, less than $2 billion in assets and originates less than 500 first liens/year).QM's are institutional paper that Fannie, Freddie, VA, FHA and the like require.

That is an institutional requirement.  

@Joe Tomko, if is a large employer, chances are the funds are institutional share classes, which are almost always much lower expenses than retail funds.  

It's easy to identify the private note holders from the institutional lenders.

18 USC 1344 - Bank FraudWhoever knowingly executes, or attempts to execute, a scheme or artifice— (1)  to defraud a financial institution; or(2)  to obtain any of the moneys, funds, credits, assets, securities, or other property owned by, or under the custody or control of, a financial institution, by means of false or fraudulent pretenses, representations, or promises;shall be fined not more than $1,000,000 or imprisoned not more than 30 years, or both.

I know that China is instituting laws making it illegal to invest outside of the country.

Note that this is not applying to institutional money as that is easily verifiable. 

Also, in hindsight, at the first sign of pests, I should have instituted cleanliness inspections.

I use TD Ameritrade Institutional which is carefully managed by a professional with a minimal fee structure.