Sure.
We are mostly in agreement with the draft regulations, except for the fact that there was an exemption specifically mentioned with respect to pawn loans, for which the amount is equivalent to $1,500 or $1,000, as I recall, or lower.
We spoke to a lot of ACORN members about this issue, and we know that a lot of people who have pawned their gold or whatever have never been able to get it back because of the predatory interest rate that pawn loans carry. It's the argument that pawn loans should be regulated in the same way. As the government further lowers the predatory interest rate, pawn loans should not be exempt.