That is easier said than done. This needed to be stopped by no later than 2004. This stuff wasn't on many peoples radar screen back then. One was labeled as a tin foil hatted old crank if you brought up on FR..
Not to mention a racist if one were to raise flags about risky lending to poorly qualifying potential home buyers. I distinctly recall, in 2006-2007, numerous news stories about how the lending practices of banks were racist based on a data-driven analysis of skin color as a factor when adjusting for credit scores. Rep. Clyburn (D-SC) was all over it and faster than Jessie Jackson at a corporate shakedown.