The direct results of mortgage fraud create an atomosphere of uncertainty within the financial institutions. Budgets become strained because the banks and mortgage companies suddenly find the need to expand their legal and training departments and have to spend time and energy creating and writing company policies to specifically address the topic of fraud and how to handle it within the institution. Those additional expenses in other areas can have a direct affect on the pay rates and benefits made available to the institution's processors. As has been seen in recent years, some financial institutions no longer employ processors on their payrolls but rather require their originators to outsource their file processing. This allows the institutions to save on payroll budgets, benefit budgets and on internal office supply budgets in order to make more funds available to acquire legal help and insurances that come at much higher prices.