The non-profit Florida Association of Mortgage Brokers (FAMB) applauds The Miami Herald for the series of articles, "Borrowers Betrayed."  The series brings to light a long-standing problem in the mortgage industry that we believe needs swift and aggressive resolution.  Criminals masquerading as mortgage brokers have entered the mortgage origination business, in spite of safeguards in place that are supposed to prevent such occurrences.   It is the hope of our 3,000+ members that the other 50,000 mortgage brokers in Florida and the 60,000 unlicensed originators that work for banks and other lending institution are held to the standards in our association's code of ethics.      We believe that originating a mortgage loan is a serious profession and bad actors in the industry can do great harm to consumers.  As such, any person who takes a loan application from a borrower should be licensed and barred from the profession for certain criminal and civil conduct, and be required to complete professional education requirements.  The nature or regulation of the employer should not matter.  Criminal behavior can be committed by anyone regardless of who they work for and state and federal laws should apply to all mortgage originators.