As I said in my opening remarks, banks are going to make loans and consider risks under this legislation the way they consider the risks of other kinds of loans, whether they be consumer loans or business loans. They will assess risk. They will consider how they might mitigate risk. They will determine the terms that are associated with the loan. The primary consideration will be an assessment of the ability to repay the loan. It's within that context that banks will decide whether to make the loans or not.
On November 1st, 2012. See this statement in context.