But as the government rolls out tougher rules for home loans, banks have added new financial-verification hurdles, and many of them outsource vetting rather than increasing their own staffs.

WSJ: Mortgage Jobs Sent to India by U.S. Banks

R. 2164, would mandate that all companies use an electronic employment verification system known as E-Verify when hiring new employees or, under a complicated set of rules, sometimes use E-Verify for existing employees.

FORBES: Ways to Create Jobs -- Without Cost to Taxpayers