That is also contingent upon state policy as well. It's kinda weird but in my state, WI, State law trumps federal law because our state laws are more stringent.

That is also contingent upon state policy as well. It's kinda weird but in my state, WI, State law trumps federal law because our state laws are more stringent. It has something to do with our laws being grandfathered in before the federal government ever did anything about commercial lending.