Moody's business, in the face of greater complexity, may be unable to consistently provide reliable ratings, and even one major mis-rating could lead to a significant decline in customer trust. Moody's is currently under a bit of fire given the recent subprime mortgage worries and the company's failure to catch a large part of the credit risk of a number of mortgage backed securities; and the previously successful business model of issuer-paid ratings is under significant regulatory, legal and supervisory scrutiny.