I am disappointed the FDIC decides that risk can be purely evaluated on which loan product you offer and worse, taking away methods by which others can borrow a

I am disappointed the FDIC decides that risk can be purely evaluated on which loan product you offer and worse, taking away methods by which others can borrow at competitive rates if at all. I don't see the risk anywhere near as bad as if they had been heavily vested in mortgages. Still there has to be more to the story, I cannot imagine the FDIC just arrives with such orders, especially changing management, without some other red flags. If its merely over to whom they are lending then the FDIC needs to be checked.