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by dibujante
1509 days ago
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Because it's not a search - you're consenting to it as part of something you are doing that is not a right (getting a mortgage, getting a home). The moment the scenario shifts from "this is done to you" to "this is a prerequisite to a thing you are doing" then you have basically no rights. |
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It is something done to you. It doesn't matter whether you and the lender consent to it happening or not, the law _requires_ it. It's a search of your 'papers' at behest of government. Just because the end goal is elective doesn't mean 4th amendment is bypassed. For instance, buying a bottle of water isn't a 'right' but electing to do so doesn't allow the government to inspect your bank account, even by proxy (by requiring the seller).