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If the Treasury Department, Congress and Obama want success your market HAMP program, it is going to have to clamp down harder on these lenders, who are not playing through the rules after receiving and continuing to receive taxpayer loans. The banks have been bailed by helping cover their billions of dollars, are currently being compensated through HAMP for the "cash for keys" and "short sales" programs, will be matched dollar for dollar on reductions of DTI from 38% to 31% and are experiencing funds for modifying payday loans. How much more greed and deceit can there be about the blood and sweat of the American individual?

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