Plus that absolves me of any wrongdoing,  not that they had a chance in charging me with any of those things but I'm making extra sure that won't happen. 

Regulations are being changed.After the next election, regulators will again be directed to be lax and they will be under funded, and the banks will be at it again.There will always be wrong doing, it's in the system.

They police about 15,000 licensed realtors plus the public for any wrong doing. 

A violation of the Code is not a basis for a third party to have standing to seek enforcement or use as evidence of wrongdoing.

Do you like lower responsibility or risk of things going wrong?

However, that would also means we admit of wrongdoing.

Typically, banks don't like to lend less than $50k, which means you would need a property bought for $62,500 leaving you with $7,500 for renovation.If you are buying a property cash, then you have nothing to renovate with.I might be reading your post wrong.

I'd be surprised if you went to HIS commanding officer (Major, commander, Colonel), that they wouldn't MAKE him fix his wrong doing. 

Reporters live for this kind of thing: a story where they can shine a light on wrongdoing and, through public pressure, change occurs or an organization that was ignoring the little guy suddenly finds a conscience (albeit for show).

However, it is reckless and unconscionable to continuously and repeatedly make wholly unsubstantiated allegations and insinuations of wrongdoing against an insurance agent for the coverage determinations of an insurer and its TPA.