[Chambo]

honestly, when ISO's gripe about lenders calling the merchant, it shows the shadyness of the ISO, they are banging up the merchants credit shipping the deal to 15 lenders at once and keeping the l;ender on the hook just in case something better comes in... ISO's that have strong in house underwriting and know where to place deals don't cry about this, because they are getting paid and doing less work...

Or it is a savvy rep who knows how to keep shady funders in check, as they try to take over the deal and squeeze out the rep by lowering commissions down to zero.

The more the Funders can push out the reps, the more they protect themselves against the deal flipping. If they convince the merchant to cease speaking to rep, they can slowly whittle down commissions to zero on the downsell.