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> 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. <P0-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. <P0-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. <P0-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. <P0-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. <SEP> <P1-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. <P1-S1>  Institutions chartered by the OTS are still regulated according to the rules and regulations of Federal Savings Banks. <P1-S2>  Mortgages issued by Federal Savings Banks are pursuant to the provisions of the Home Owners' Loan Act, a U.S. federal statute. <P1-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> <P2-S0> Fiserv, Inc., is an American provider of financial services technology. <P2-S1>  The company's clients include banks, thrifts, credit unions, securities broker dealers, leasing and finance companies, and retailers, among others. <P2-S2>  In October 2015, "American Banker" and BAI ranked the company third by revenue among technology providers to U.S. banks. <P2-S3>  Fiserv reported total revenue of $5.51 billion in 2016. <SEP> <P3-S0>  During the Great Depression, loan transfers, loan assumption, and loan bail out programs took place at the state level in an effort to reduce levels of loan foreclosures while the Federal Bureau of Investigation, Federal Trade Commission, Comptroller, the United States Government and State Government responded to lending institution violations of law in these arenas by setting public court records that are legal precedence of such illegal actions. <P3-S1>  that collect the Escrow that is rightfully the Homeowners but because most Homeowners are unaware of what money is due them and how they can loose their escrow. <P3-S2>  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. <P3-S3>  Legal action taken against institutions that have such business practices can be viewed in State Code of Law and Federal Law on precedent cases that are available to the public. <P3-S4>  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. <P3-S5>  Modifications HMAP HARP were also birthed to help note holders get Justice through reduced mortgage by making terms legal. <P3-S6>  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. <P3-S7>  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. <P3-S8>  Thus the birth of Modifications. <P3-S9>  Many were incarcerated for such illegal actions. <P3-S10>  While such scams were addressed through modifications in 2008. <P3-S11>  Modifications fixed the Notes to proper lower interest, escrow, tax fees that staff typically raised for no reason. <P3-S12>  Prior to modifications loan holders that experiences crisis would use Loan assumptions and Loan transfers to keep the note in the 1930s. <P3-S13>  Loan modifications have been practiced in the United States since The 2008 Crash Of The Housing Market from Washington Mutual, Chase Home Finance, Chase, JP Morgan & Chase, other contributors like MER's. <P3-S14>  FBI Mortgage Fraud Department came into existence.