Most of the money in the trust would go to the sickest people, with the largest payments exceeding $1 million.
The monthly payments continue as long as the borrower lives in the house, even if those payments exceed the overall value of the home.
Originators may not make loans that would load a borrower with total loan payments exceeding 43 percent of income — not total debt exceeding 43 percent of income.
Data issued last week by the Payments Council showed that July 2014 was the first time that the value of non-cash payments exceeded those made with cash.
At the start of 2012, it generated $12.6m for its artist clients, with December 2012 the first month when payments exceeded $1m.
He responded after the chairman of the trust, Chris Patten, testified to his "shock and dismay" that some payments exceeded contractual obligations.
The inspector general said that payments to consultants, advisers and researchers "pose a substantial risk of fraud and abuse" if the payments exceed "fair market value for the services rendered".
And mortgage originators will in most cases be restricted from charging excessive upfront points and fees, from making loans with balloon payments and from making loans that load a borrower with total payments exceeding 43 percent of income.
On Monday, SoundExchange, a nonprofit group that processes payments for online streams, will announce that it has paid $1 billion to artists and record companies since its founding in 2000, and that this year its quarterly payments exceeded $100 million.
Most of these fees are paid by banks' less well-off customers, industry insiders say, because they are the ones who miss card payments, exceed credit limits or buy loan-payment insurance.
