Lack of check for user input address != address(0) in Ownable.transferOwnership(), Fees.constructor() and Lender. setFeeReceiver().
Bob calls transferOwnership() with a wrong _owner address, so Bob loses ownership of the contract.
Wrong user input can lead to loss of contract ownership or wrong token addresses in Fees.sol or useless expensive external call costing gas in setFeeReceiver() if the owner has to call it again to set it to the right address.
Manual review
Check that the address is not zero.
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