@Wendy Lavana  If you denied them based on information contained in a consumer report, then you must provide the applicant with an Adverse Action notice (not the actual background report).  

The extent to which consumers and especially financial news media (who should REALLY know better by now) mistakenly believe the fallacy of the Fed dictating mortgage rates is truly unfortunate. ...is overlooking something big. 

There's a way to add text, hotspots, or create a walk-through similar to Matterport, but it's time-consuming and doesn't add any value to the viewer.https://kuula.co/share/collect...I like the video walk-through.

_pageid=44,9487678&_dad=portal&_schema=PORTALThis strategy is very time consuming and not proportionate to effort. 

You guys are so doom and gloom, come on man, the fed (that caused all this btw) is going to save EVERYONE, Banks, credit unions, trust and mortgage companies, investment banks, underwriters, brokerage firms, hard money lenders, stock speculators, the airline, auto, restaurant,hotel, bar, retail, casino, and travel industries,money market funds, the repo market, the global fx market, the stock market (direct purchases soon), the bond market, the derivatives market (oop's sorry ronin capital), consumer spending (helicopter money only 3 weeks away), your local bowling league and oh yea, air bnb.Don't worry the largest financial event of our lifetimes, BY FAR, will be over in a jiff and you will be rested and ready to get back to work!

Adding a "consumer statement" to each of the credit bureaus is another layer of protection.

But we live in a consumer driven world... spenders gonna spend.  

@Marc Winter Isn't inflation a complex interplay between money supply, demand for products and services, lending rate, politics/military conflict, oil prices, consumer confidence in the future to name a few?

However, there were a number of "consumer protection" laws that eventually made this practice untenable.

But Consumer confidence has been shaken (Bloomberg 47% to 34%) and investments in the public securities markets have been hammered (e.g.