Former employees of predatory lenders have testified to a consistent pattern of falsified loan documents and forgery. As one ex-employee told a 1998 U.S. Senate hearing: "The pressure to produce loan volume and insurance sales is so great that on many occasions, I've seen finance company employees commit forgery on a massive scale. These employees have forged everything from insurance forms, RESPA documents, income verification forms, and even entire loan files."[24]