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