Read the following excerpt from a US court opinion:
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protect its interest by “do[ing] and pay[ing] whatever is necessary to protect the value of the Property and the Lender’s rights in the property ....” Nothing in these terms requires the lender to purchase the cheapest insurance or the insurance that provides the most value for the borrower. Thus, Standard Mortgage did not act on Robinson’s behalf when it force-placed insurance coverage; it acted to protect its oum interest in the mortgaged property—an interest that Robinson threatened by breaching her own contractual duty to maintain insurance coverage. So although Robinson sprinkles her complaint with the “kickback” label, the commissions and portfolio monitoring that SM Insurance provided to Standard Mortgaged were “not. ,kickback[s] in any meaningful sense.” Cohen, 735 F.3d at 611 ; see also Feaz, 745 F.3d at 1111 (agreeing
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What is the most suitable continuation to the opinion? Your options are:
A. recognizing in a materially similar situation the authority of mortgage electronic registration system inc to assign both the note and deed of trust on behalf of the original lender and the lenders successors and assigns
B. holding lender might be held responsible for buyers alleged damages where facts indicated lenders active participation in the sale of the residence or the existence of a special relationship between the lender and the borrower
C. holding that commission paid to mortgage lenders affiliate for forceplacing insurance was not a kickback when the lender was subject to an undivided loyalty to itself and it made this clear from the start
D. holding that it was not improper for a lender to halt the proposed settlement and discounted payment of plaintiffs loan when the lender believed the loan would otherwise be paid in full
E. holding assignment of a mortgage was not subject to article 9
Reply with [A, B, C, D, E] only.