Group to Evaluate NC Law’s Effect on Industry, Consumers The Mortgage Bankers Association of America and several multi-state lenders are commissioning a study to gauge the impact of North Carolina’s anti-predatory lending legislation on resident consumers and the state’s subprime lending industry. The study will look into anecdotal reports of lender flight and lending cutbacks as a result of the tough anti-predatory lending measure passed by the state legislature in 1999.