For years, people have complained that there wasn't a lot of "good faith" in some of the so-called Good Faith Estimates that lenders supplied in order to give borrowers an advance idea of the costs attached to their mortgages.
All too often, consumer activists have charged, homebuyers would show up for their closings and find laid before them a vastly different set of figures than they'd expected -- with little more than a "sorry, that's just the way it worked out" from the lenders.
Sometimes that would be unfortunate, but true. Sometimes, the changed figures would be the result of sloppiness. And sometimes, they represented malfeasance by the lender or loan originator.