Ms Helena Mitchell:

When a book is sold by a regulated entity, it has to inform the consumers of where the loan is going. The unregulated entity then has to appoint a regulated entity to be the interface between it and the consumer. In the scenario the Senator gave, I am not sure if she means the unregulated entity dealing directly with the consumer or whether it was the credit servicing firm. If the latter, we have access, we are on site and we are looking at how it is engaging with consumers.