[jess-zhang]

we've a pretty robust compliance team to verify and make sure that our APIs reflect the latest regulatory requirements and state/fed thresholds. we also always go back to the source, ie read all the applicable state & federal laws to cross check everything. i can talk all day about Michigan's Act of Credit 1942 lol

bcus of this, our customers lean on us heavily for compliance - we replace at least 0.5-1 compliance headcount for them, plus all the legal dollars...