An MLO works in a neighborhood with a large elderly population. She routinely recommends adjustable-rate mortgages with low teaser rates to these borrowers without discussing fixed-rate alternatives, even when borrowers would qualify for competitive fixed rates. This behavior most likely constitutes:

Legitimate product placement, as ARMs typically have lower initial payments Steering, by directing borrowers toward a product that benefits the MLO or lender rather than the borrower Negative amortization abuse, since ARMs can lead to rising balances Redlining, because the MLO is targeting a specific neighborhood