It's a spectrum, so it doesn't matter what a particular level is called. Claim A wants a reduction in one type of strictness, Claim B wants an increase in a different type.

> which is logically the solution to Claim A "too loose with lending standards".

The idea, for someone making both claims, is that they are being strict about the wrong things.

Being strict about income source is NOT a solution to being loose about income amount.

The mortgage crisis wasn't caused by giving too many loans to high-income contractors.