Through out history, The powerful have taken advantage of the less powerful particularly larger entities taking advantage of smaller one or individuals.  Perhaps it is to little to late however I am pleased to see  The U.S. Consumer Financial Protection Bureau (CFPB) take action against  Flagstar Bank for taking advantage of the customers they are supposed to be serving. The article below discusses a number of violations and inefficiencies. I do not have the details and I am not a lawyer trying to litigate individual injustices however on the surface it does not seem they were providing the services they were hired to perform. The end result is it hurts individual borrowers in need of help and more globally the communities they are in. This puts a burden on all of us,  Just may opinion.