What reforms would you recommend to a mortgage lender in terms of its employee incentives to ensure it avoids the mistakes of Countrywide? In general, how do you incentivize salespeople who work on...

What reforms would you recommend to a mortgage lender in terms of its employee incentives to ensure it avoids the mistakes of Countrywide? In general, how do you incentivize salespeople who work on commission (as the majority of mortgage brokers did in the run-up to the 2007–2009 financial crisis)? How can a company encourage them to sell products that are in their customers,’ rather than their own, interests?