The problem of the computerized loan information system, known as a CLI, is very easy to deal with once it is recognized as a separate problem. The major-problem arises when loans are originated in the real estate office, where the consumer can be exploited and consumer protection is needed.

In contrast to a CLI, a computerized loan-origination system, or CLO, originates loans in real estate offices. Further, their charges to customers are contingent on the provision of a loan - no loan, no charge. In this respect, CLOs follow the practice of mortgage brokers and commissioned loan officers, since customers are extremely reluctant to pay anything if a loan doesn't materialize.

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