Balking at a definition that could make it riskier – and costlier – to originate subprime mortgages, four industry trade groups have urged regulators to kill controversial guidance to examiners. "We believe that the expanded interagency guidance on supervision of subprime lending will have the significant, unintended impact of reducing available mortgage credit for all of our customers and we ask that it be withdrawn," said America’s Community Bankers in a letter to bank regulators.