I knew of one bank in the mid '70's that gave each newly licensed doctor an unsecured $50K line of credit. Among losses, the program was cancelled within 2 years.
IMHO - What makes physicians so special? Attorneys, CPA's, nurses, pharmacists, financial planners all have advanced degrees with high earnings potential. Plumbers recently joined the $100K per year class too. Why are those groups not part of the exclusive club?
Aside from that, it's been discussed many times that with the changes in medical insurance (which affects doctors heavily) the huge student loans, that doctors have a higher rate of delinquency. Costs for setting up an office are very high, student loans astronomical, and after so many years of austerity, the loan can be a godsend that the bank might have problems collecting, and be a safety and soundness issue.
Back to Fair Lending - find a way to open it up to other professions, or document why it is so exclusive.
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Integrity. With it, nothing else matters. Without it, nothing else matters.