Competitive customer service call metrics; Robust training programs for onshore and offshore staff; Development of management training programs aimed at frontline management growth and of offshore captive staff; and Servicing metrics that are generally competitive with those of the company's peers and that support our AVERAGE loan administration subranking for all four rankings. We believe regulatory and investor scrutiny or actions have affected Ocwen's operations. These have included consent order actions by the New York Department of Financial Services (NY DFS) and the California Department of Business Oversight (CA DBO), as well as various investor allegations and lawsuits. Various IA results included high-risk findings in key areas of the servicing and default operations. The number and criticality of those findings,
