First of all, Mr. Chair, remember that when banks make loans—let's say they're making business loans—they are effectively making a judgment about the viability of the business. Sometimes they have security, sometimes they have a business plan, and sometimes they have a track record they can look at, but they are making some kind of an assessment about the risk associated with that, and that is an assessment about the success of the business.
The same kind of techniques will be brought to bear here. Banks currently do make political loans. They are making risk assessments in some way, and they will continue to do so. What changes under this bill are some of the parameters, the things that can be considered in making the loan. But in terms of just analyzing risk, assessing risk, mitigating risk—those are all tools that banks already have at their disposal.