Should lenders who use abusive or unfair lending practices be punished?

these are just some examples
Failure to disclose loan price is negotiable
Failure to clearly and accurately disclose terms and conditions
Servicing agent and securitization abuses (The servicing agent is the entity that receives the mortgage payment, keeps the payment records, provides borrowers with account statements, imposes late charges when the payment is late, and pursues delinquent borrowers. A securitization is a financial transaction in which assets, especially debt instruments, are pooled and securities representing interests in the pool are issued)

now it is our responsiblity to read everything on the loan document do you think the lenders should be punished for the way they do business?
oh I agree now isn’t the time, I just mean in general
http://en.wikipedia.org/wiki/Predatory_lending

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