Lack of zero-address checks might lead to inoperable contract if parameter settings are not handled carefully.
A number of constructors/functions in the codebase do not revert if the zero address is passed in for a parameter that should not be set to zero.
An example can be seen in the setFeeReceiver() function of Lender.sol
If any of the parameters are accidentally set to address zero address, this would easily cause huge impact to the protocol.
Manual Audit
Add zero-address validation for the parameters listed above. Review input validation across components.
For brevity reasons only one instance has been indicated in report but issue occurs multiple times in codebase and should correctly mitigated against in all instances.
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