If the FTC wins its case, the affect on the lenders' cash flow — and profits — might <br> <br> be significant, if not extreme. If the ability to extract <br> <br> payments by the use of digital funds transfers that extend the lifetime of the mortgage while charges rapidly mount is what this <br> <br> trade is constructed on, there may very well be <br> <br> an industrywide shakeout from which the trade could <br> <br> not get well.<br> <br> <br> <br>