Mr. Colm Kincaid:

A few issues need to be addressed, but if I miss anything please let me know. As the Deputy has said, moneylenders are using relatively informal means to assess creditworthiness, but even within the scope of that they could be doing better in terms of assessing people's ability to repay and so forth. The issue of people saying that they do not recall receiving a rebate is a real concern. As the Deputy has said, there is a statutory right for a person who repays early to receive a rebate, and that is something that we want to look into further.