Do you penalize lending companies for not following certain standards?

Lending companies get a reduction in their Risk Score (get penalized) on two occasions:

1. Having the latest financial report issued 2+ years ago (as the report will not reflect the most recent performance and a risk assessment based on the old data might yield inaccurate results)
2. The lending company provides only very generic high-level data (as some of the variables are not disclosed, it is not possible to calculate some of the metrics, thus, for those missing the lending company receives 0 points).