Predatory Lending Leads to Tighter Due Diligence, New Tools at S&P The proliferation of state and local predatory lending laws means that the securitizers who want their subprime deals rated by Standard & Poor’s will need to jump through a few more hoops in the months ahead. In a conference call held last week, officials at the rating agency outlined an approach to predatory lending laws that aims to get as much information from lenders