I think the change has to be regulation related for this reason:
The Borg would never interrupt a locked-in income stream (aka Halls making mortgage payments) unless it was forced to do so.
There seems to be new banking legislation steadily kicking in since the downturn of a few years ago.
It could be, like someone posted on this forum, that their lending practices are now opening them up to mandated government scrutiny or disclosure.
And we know they don't like that! They have too many secrets to be inviting govt inspection.
And God forbid (see what I did there) anything possibly create more financial transparency.
My 2 cents...
-TE