The modern English word “canard” meaning “lie” came from an old Canadian French proverb which translates “to half sell a duck,” the Canadian French word for “duck” being “canard.”
Instead of ducks being half sold, now houses are.
The law was never intended to cover half-sold houses.
Perhaps the originating lender should be forced to re-eat their mortgage and then take their chances with a foreclosure if the home occupant will not pay.
That sounds pretty reasonable...although half of them are out of business.
Remember the bank sold off the loan to some other entity and made money on it. Do you expect that same bank to foreclose and get the house back to resell it and make money again?