One of the aspects that you mentioned in your question was collateral. One of the things this bill does is it ties guarantees to the contribution limit to political parties or political candidates. I believe the intention of the bill is so that someone can't self-finance or guarantee their own loan. What's the practicality of a guarantee structure like that? Can a bank, for a loan of $25,000 or $50,000, have multiple guarantors? That's an administratively complex proposition that may prove difficult.
On that particular aspect, that would be something that banks would have to assess. Is it something that's a viable option in order to structure a loan in that way?
Collateral, yes, is an element, but according to the terms of this bill, it is tied to the $1,200 contribution limit. That's the maximum you would be looking at for an individual.