I want to know the answer to the following question:
Who policed mortgage originators and maintained relatively high standards prior to 2003?
All the background I'm provided with is that "During a period of tough competition between mortgage lenders for revenue and market share, and when the supply of creditworthy borrowers was limited, mortgage lenders relaxed underwriting standards and originated riskier mortgages to less creditworthy borrowers.". Is that enough to answer the question?
Answer: no