37877164__Predatory_Lending__June__2006__DEFINITION_OF_CHARACTERISTIC
[CHARACTERISTIC] Steering [DEFINITION OF CHARACTERISTIC] 
The process of referring borrowers who qualify for lower-cost financing to high-cost lenders. Subprime lenders will charge prime borrowers who meet conventional underwriting standards higher rates than necessary.
FDIC OIG: Challenges and FDIC Efforts Related to Predatory Lending, June, 2006
DEFINITION OF CHARACTERISTIC