What regulations and "laws" would you like see be implemented?

My reccomendations:

1- Registration of REAL lenders. Sift out the "syndication" or "I only fund what I want to fund" lenders.

2- Broker house standards and audits. Whether you lend direct or not, how much personal information is stored unsecured in your office?

3- Training. Everyone is quick to answer forums and say "send it to me- I promise I'll get it funded!" But no one lends their knowledge in teaming up to create something greater. More than half of you don't know what your doing and those that do are hurt by the BS.

Your thoughts? Your concerns? Is anything going in the right direction?