Based on the article "10 Key Differences Helped Canada Avoid a US Style Mortgage Crisis" and the principles on "The 5 C's of Credit," identify the ways in which the recent US mortgage lending practices failed to follow the discipline of the 5 C's of Credit.

Link to article can be found below Pages 15- 16

https://www.pewtrusts.org/~/media/assets/2012/06/20/revitalizing_american_housing_market.pdf