The only thing this does is provide income for the state and a false sense of security to the borrower. Texas has had it for years and I can state that there is NO review other than to look at whether or not there were any RESPA violations. The auditors can catch that, because there's specific things to look for. But steering into high-cost loans, fraudulent docs, false identities, kickbacks, all those that we know take place, nope. As long as the paper trail looks clean, they walk away.