Too many mortgage and finance brokers still act as order-takers for lenders and have not accepted the changes in the industry under National Consumer Credit Protection, according to a leading mortgage broker.Mortgage Choice's compliance manager, Tim Donahoo, said there was a real "change in philosophy" in consumer lending that brokers needed to incorporate into their businesses.Donahoo said that under the responsible lending rules, which have been in place since January, brokers now have to make their own assessment about the creditworthiness of borrowers before putting their applications up to lenders.Brokers have to go to into more detail when they are verifying a customer's income and expense details. "Most brokers are still using some kind of template," he said.Donahoo was speaking at the Credit Law Compliance conference in Sydney yesterday. Another speaker, Credit Ombudsman Service chief executive Raj Venga, said brokers also had to lift their game in dealing with external dispute resolution.Venga said: "We have members who don't respond when we ask them for a complainant's file." The chief executive of aggregator Vow Financial, Tim Brown, said in an interview last month that many brokers and aggregators were still operating on the basis that it was business as usual. "When we do audits of our people we come across a lot of compliance issues. They have not caught up with what they need to be doing under the new regime."Brown believes there are a large number of brokers still to exit the industry.