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The ecosystem within the lending industry and beyond is a ULS system. Existing business data and process centric standards have very limited governing power over the quality and evolution of such ULS systems. We have helped to develop an initial reference architecture and associated development guidelines for a lending industry e-business standard, to assist in solving current problems and to promote more sophisticated use of the standard in the context of the LIXI ULS system. The nature of such RA should be quality-centric rather than structure-centric. We have proposed a few technical solutions to help achieve this.