Which of the Following Was a Change in Banks' Lending

Multiple Choice

Which of the following was a change in banks' lending practices that contributed to a housing bubble?

A) Lenders began to require borrowers to provide proof of income.
B) Banks began to originate subprime loans they did not intend to keep.
C) Banks developed fixed-rate mortgage loans.
D) Banks began to rigorously check borrowers' credit quality.