; (ii) performing unauthorized transfers of customer funds; and (iii) performing unauthorized credit inquiries for purposes of the conduct described in clause (i) or (ii). (C) Lacking adequate oversight of third-party vendors for purposes of risk-mitigation, to prevent abusive and deceptive practices in the vendor’s provision of consumer products or services. (D) Having deficient policies and procedures for sharing customers’ personal identifiable information with third-party vendors for litigation purposes that led to inadvertent disclosure of such information to unintended parties. (E) Violating Federal consumer financial laws with respect to mortgage loans, including charges of hidden fees and unauthorized or improper disclosures tied to home mortgage loan modifications. (F) Engaging in unsafe or unsound banking practices related to residential mortgage loan servicing and foreclosure processing. (G) Violating the Servicemembers Civil Relief Act. (12) Pattern or practice of violations of Federal consumer protection laws (A) In general The term pattern or practice of violations of Federal consumer protection laws means— (i) a pattern or practice of unsafe or unsound banking practices and other violations related to consumer harm