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One other thing is they want lenders not to focus on collections, but to focus on underwriting that they said

Peter: Yeah, in addition to CFPB have already come out recently with a few brand new recommendations for this or brand new guidelines for this. I’d like to get the thoughts that you just talked about are some of the ones that they’re trying to target and obviously payday where these are predatory loans for the most part on it because the title loans.

I’m yes you can find samples of good actors in this room, but there’s a complete large amount of bad. And you’ve got to understand the borrower a bit more, you’ve got to basically take into account their propensity to be able to repay the loan so I wanted to get your thoughts on the new ruling from the CFPB basically saying. Just what exactly you think about what they’ve done?

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