Thank you, Ms. Jhamb.
I also appreciate that ACORN has shared concerns about the loopholes in draft regulations, specifically loopholes for pawn loans and commercial loans. I think it is a very important time to be sharing those concerns so that those regulations might be amended and improved upon.
I have about a minute or so left. Could you share in this last minute a summary of those concerns around how ACORN would like to see these draft regulations improved so that the experience that Ms. Borden shared earlier...? The intent is that this doesn't happen to folks in my community and others across the country.
Can you briefly share how you'd like to see these regulations improved to get rid of these loopholes?