Question: Fiserv, Inc., is an American provider of financial services technology, the company's clients includes thrifts, a savings and loan association (S&L), or thrift institution, is a financial institution that specializes in accepting savings, deposits, and making mortgage and other loans, by law, thrifts can have no more than what number percent, of their lending in commercial loans?

<P0-S0> Federal savings associations (also called "federal thrifts" or "federal Savings Banks"), in the United States, are institutions chartered by the Office of Thrift Supervision which is now administered by Office of the Comptroller of the Currency after the agencies merged. <P0-S1>  Institutions chartered by the OTS are still regulated according to the rules and regulations of Federal Savings Banks. <P0-S2>  Mortgages issued by Federal Savings Banks are pursuant to the provisions of the Home Owners' Loan Act, a U.S. federal statute. <P0-S3>  Although the activities of federal thrifts were once confined primarily to taking deposits from consumers and making residential mortgage loans, federal thrifts are now authorized to offer a wide range of financial products and services. <SEP> <P1-S0>  The company's clients include banks, thrifts, credit unions, securities broker dealers, leasing and finance companies, and retailers, among others. <P1-S1>  In October 2015, "American Banker" and BAI ranked the company third by revenue among technology providers to U.S. banks. <P1-S2> Fiserv, Inc., is an American provider of financial services technology. <P1-S3>  Fiserv reported total revenue of $5.51 billion in 2016. <SEP> <P2-S0>  It is yet to date for clarity how theses enforcements came into existence and except b whom, but t is certain that note holders form the Midwest reached out in the Democratic Process for assistance. <P2-S1>  The legal precedents and reporting agencies were created to address the violations of laws to consumers while the Modifications were created to assist the consumers that are victims of predatory lending practices. <P2-S2>  Modification owners either ordered by The United States Department of Housing, The United States IRS or President Obamas letters from Note Holders came to those various departments asking for the Democratic process to help them keep their homes and protection them from explosion. <P2-S3>  This money Note Holders were unaware of is the prize of real estate and the cause of the Real Estate Crash of 2008 where Lending Institutions provided mortgages to people years prior they know they would eventually loose with Loan holders purchasing Balloon Mortgages lending product that is designed to make fast money off the note holder whom is always typically unaware of their escrow, equity and that are further victimized by conferences and books on HOW TO MAKE MONEY IN REAL STATE - when in fact the money is the Note Holder. <P2-S4>  It was in 2009 that HARP, HAMP and Modifications were introduced to stop the victimization of Note Holders. <P2-S5>  The Market relied heavily on Consumers ignorance to prosper, ignorance of real estate terms, ignorance on what they were to be charged properly for unethical financial gain and while staff in real estates lending arenas mingled terms to deceive y deliberate confusion consumers out of cash and homes while the USA Government provided Justice through President Obamas Inception and IRS Inception of Modifications which addressed these unethical profits in Reals Estate. <P2-S6>  The immoral and illegal actions of predatory lending station and their staff began with the inception of balloon mortgages although illegal activity has always existed in the arena, yet the crash created "Watch Dog" like HAMP TEAM, IRS, COMPTROLLER< Federal Trade Commission Consumer Protection Bureau, FBI, CIA, Local Police Department, ICE ( The FBI online Computer crime division receives and investigates computer crimes that record keeping staff from title companies, lending institutional staff, legal staff and others created fraudulent documents to change payments and billing of note holders to obtain the money note holders are typically unaware of) and other watch dog agencies came into existence to examine if houses were purchased through a processed check at Government Debited office as many obtained free homes illegally. <P2-S7>  The key of the crash was not the House, but the loan product used and the interest and money that was accrued form the note holders that staff too immorally. <P2-S8>  During the so-called "Great Recession" of the early 21st century, loan modification became a matter of national policy, with various actions taken to alter mortgage loan terms to prevent further economic destabilization. <P2-S9>  Taking on the Banks that ran USA Government was a great and dangerous undertaking that made America Great Again as Justice for Consumers reigned. <P2-S10>  Modifications HMAP HARP were also birthed to help note holders get Justice through reduced mortgage by making terms legal. <P2-S11>  Lending institutions could make one or more of these changes to relieve financial pressure on borrowers to prevent the condition of foreclosure. <P2-S12>  Most Creditors are unaware that as the note holder that the Note Holder are due a annual or semi annual equity check and again bank or other lending and or legal intuitions staff claim this monies instead. <P2-S13>  Modification were a fix to the crash as litigation has ensued as the lenders reorganized and renamed the lending institutions and government agencies are to closely monitor them. <P2-S14>  The Escrow and Equity that is accursed form the Note Holders payments various staff through the United States claimed as recorded and cashed by all staff in real-estate from local residential Tax Assessing Staff, Real Estate Staff, Ordinance Staff, Police Staff, Brokers, attorneys, lending institutional staff but typically Attorneys who are also typically the owners or Rental properties that are trained through Bankruptcies'. <SEP> <P3-S0> A savings and loan association (S&L), or thrift institution, is a financial institution that specializes in accepting savings, deposits, and making mortgage and other loans. <P3-S1>  The terms ""S&L"" or ""thrift"" are mainly used in the United States; similar institutions in the United Kingdom, Ireland and some Commonwealth countries include building societies and trustee savings banks. <P3-S2>  They are often mutually held (often called mutual savings banks ), meaning that the depositors and borrowers are members with voting rights, and have the ability to direct the financial and managerial goals of the organization like the members of a credit union or the policyholders of a mutual insurance company. <P3-S3>  While it is possible for an S&L to be a joint-stock company, and even publicly traded; in such instances it is no longer truly a mutual association, and depositors and borrowers no longer have membership rights and managerial control. <P3-S4>  By law, thrifts can have no more than 20 percent of their lending in commercial loans — their focus on mortgage and consumer loans makes them particularly vulnerable to housing downturns such as the deep one the U.S. has experienced since 2007.