Does present case demonstrate that subprime mortgage lenders in early to mid-2000's systematically abandoned underwriting regulations and encouraged low-level mortgage brokers to victimize unsuspecting home buyers by incorporating false information into their loan applications and other loan documents exposing them to wrongful penal liability for mortgage fraud giving rise to exceptional circumstances warranting exercise of discretionary powers of the Court and illuminating need for Congressional action to stop similar conduct now renewing?

QUESTIONS PRESENTED : . I. DOES PRESENT CASE DEMONSTRATE THAT SUBPRIME MORTGAGE : oo LENDERS IN EARLY TO MID-2000'S SYSTEMATICALLY ABANDONED. 4 UNDERWRITING REGULATIONS AND ENCOURAGED LOW-LEVEL MORTGAGE BROKERS TO HOME BUYERS BY INCORPORATING FALSE INFORMATION INTO THEIR LOAN APPLICATIONS AND OTHER LOAN DOCUMENTS EXPOSING THEM TO WRONGFUL PENAL ' LIABILITY FOR MORTGAGE FRAUD GIVING RISE TO EXCEPTIONAL CIRCUMSTANCES WARRANTING EXERCISE OF DISCRETIONARY POWERS OF ; THE COURT AND ILLUMINATING NEED FOR CONGRESSIONAL ACTION TO STOP SIMILAR CONDUCT NOW RENEWING? i II. DOES NEWLY DISCOVERED EXCULPATORY EVIDENCE, VIZ., LOAN : APPLICATIONS, THAT DEFENSE COUNSEL FAILED TO INTRODUCE INTO : EVIDENCE, DEMONSTRATE ACTUAL INNOCENCE GIVING RISE TO AN : EXCEPTIONAL CIRCUMSTANCE WARRANTING THE COURT'S ; : _ DISCRETIONARY POWERS OF LAST RESORT? . 7 . J : i