требованиях подзаконных актах и постоянных соответственно нарушениях ЗАКОНА при выдаче ипотечных ссуд?
Все же просто и доступно описано -

Income Verification
A borrower’s income is a key factor in the assessment of their capacity to repay the mortgage loan, and verification of income helps detect and deter fraud. FRFIs should make reasonable inquiries and take reasonable steps to verify a borrower’s underlying income. This includes substantiation of:

Employment status; and
The income history of the borrower.
For borrowers who are self-employed, FRFIs should take reasonable steps to obtain income verification (e.g., Notice of Assessment) and relevant business documentation. In determining the reasonableness of the documentation used to support the income, sound practice suggests that:

The income amount is verified by an independent source;
The verification source is difficult to falsify;
The verification source directly addresses the amount of the declared income; and
The income verification information/documentation does not contradict other information provided by the borrower in the underwriting process.


Что я слышу в ответ? - система не справедлива! Да услышьте же себя уже! Нарушается ЗАКОН. Все об этом знают. Ничего не делается. Вам что всем хочется здесь Рашу и ее беспредел организовать?