The nation’s largest financial institutions have offered “market-based solutions,” including correct implementation of a guaranteed mortgage packaging scheme, to ensure fair and equitable lending. The so-called market-based solutions partly reflect bipartisan anti-predatory lending legislation introduced last week by Reps. Paul Kanjorski, D-PA, and Bob Ney, R-OH. The Consumer Mortgage Coalition said fraudulent, discriminatory or abusive mortgage practices can be eliminated by mortgage reform and other market-based cures, not by restricting the flow of credit.…