[Christian]

Is this the first time you have worked with this bank??? If its not then you should know how they handle their underwriting. If you dont like how they do it find a bank that is a better fit. Unfortunately the only power we as ISO's have is where we decide to send our business if you want things to change at a bank stop sending deals when they ask you why explain the issues and try to get them worked out

I am aware. But sometimes, there is no backup plan leaving us without leverage.