The theme of the Mortgage Bankers Association's (MBA) Annual Convention this year is "Driving Change." There is no question that the landscape in financial services is changing, and rapidly, but one must wonder on who, or what, is driving the change. Agents of change in the current environment include demographics, economic cycles, politics, regulation and technology. The congressional mandate to reshape the financial services industry has pushed regulatory compliance to the forefront as the primary driver of change. Data integrity is the foundation of successful mortgage lending. It is essential to restoring the trust of consumers, investors and legislators. When loan data is accurate, lenders are able to make fully informed credit decisions and sustainable loans. Regardless of whether inaccurate data in mortgage applications are the result of honest mistakes or intentional misrepresentations, these loans, if closed, are defective. Inaccurate data have already cost lenders and insurers hundreds of billions of dollars, and they're not even close to reaching a final tally.